23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Collection Accounts on My Equifax Credit Report Dear Equifax, I am writing to formally dispute several collection accounts that are inaccurately appearing on my credit report. These accounts do not belong to me, and I believe their inclusion on my credit file is an error. As such, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to request an immediate investigation and removal of these erroneous accounts from my credit report. 

Disputed Accounts : Creditor Name : XXXX XXXX XXXX - {$790.00} Creditor Name : XXXX XXXX, XXXX - {$100.00} Creditor Name : XXXXXXXX XXXX XXXX  - {$340.00} Creditor Name : XXXXXXXX XXXX XXXX  - {$100.00} These collection accounts are not mine, and I have never had any association with these creditors. The inclusion of these accounts is causing harm to my credit score and financial reputation, and they must be corrected as required by law. 

FCRA Rights and Obligations : 15 U.S.C. 1681i Dispute Resolution Process : I am disputing the accuracy of these collection accounts in accordance with the FCRA. I request that Equifax initiate an investigation to verify the legitimacy of these accounts. If they can not be verified, they must be deleted from my credit report. 

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy : The FCRA requires credit reporting agencies to maintain maximum possible accuracy in the information they report. The presence of inaccurate collection accounts violates this provision, and I demand their immediate removal to ensure the accuracy of my credit file. 

15 U.S.C. 1681c Limitations on Reporting : According to the FCRA, consumer reporting agencies must remove obsolete or unverifiable information from credit reports. Since these collection accounts are neither accurate nor verifiable, they must be deleted in compliance with this law. 

Actions Requested : Immediate investigation into the accuracy of the disputed collection accounts. 
Verification of the accuracy and legitimacy of the accounts. If they can not be verified, they must be deleted. 

Written confirmation of the results of your investigation and an updated copy of my credit report showing the removal of these incorrect accounts. 

Supporting Documentation : To assist in your investigation, I have enclosed the following : A copy of my credit report with the disputed collection accounts highlighted. 
A copy of my government-issued ID for verification of my correct identity. 

Please ensure this dispute is resolved within the 30-day investigation period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to address this issue may result in further actions, including formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my credit report has been corrected. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity. I am requesting the following actions to rectify this situation : I kindly request that you promptly remove the aforementioned fraudulent items from my credit report. It is crucial that they are deleted as soon as possible to mitigate the harm to my credit score. I request that a thorough investigation be conducted into the authenticity of the disputed items. I have provided substantial evidence to support my claims of identity theft, and I urge you to take this matter seriously. Please liaise with the relevant creditors to ensure that they are made aware of the fraudulent nature of these accounts and update their records accordingly. I am asking for your assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reached out and reported an inaccurate debt to Experian, XXXX, and XXXX. When I request debt validation from them they provided a document that was not accurate or validating that it is indeed related to me in any way. The document showed a persons name that I do not recognize. In addition to not recognizing the charges or the names listed, there is no signatures on the document. This debt is invalid and not related to me and I would like it to be removed from my name completely since it was inaccurately reported to the Experian, XXXX, and XXXX.
Product: Debt collection

I was sent an offer letter to collect a debt resulting from checking account bank fees related to a closed account with XXXX. I did not have time to verify the debt but paid it given based on the offer to reduce the debt with XXXX payments of {$64.00} ( {$320.00} total ). I paid {$65.00} x XXXX times and {$63.00} for the last payment ( totaled {$320.00} ). However, the collection agency did not acknowledge the offer they made and wanted to collect the entire balance of {$800.00}. I sent XXXX requests to acknowledge that I accepted the offer with the last XXXX payments but did not receive any response.
Product: Mortgage

I was current with the previous mortgage servicer XXXX Home Loans until the COVID 19 pandemic hit and was placed on a COVID forbearance starting XX/XX/XXXX and as a United States XXXX XXXX XXXX I was suffering due to the restrictions placed by COVID as I was doing work for a church but it closed because of social distancing guidelines The forbearance continued until XX/XX/XXXX and I was approved for a deferment of 10 months of payments I starting paying Calibur in XX/XX/XXXX and continued to as they were updating my loan to reflect current My loan never updated before the service transfer to Fay servicing on XX/XX/XXXX but XXXX continued to have me pay because they knew it was a matter of time and my loan would reflect current When my loan transferred to Fay servicing it was a completely different mortgage servicing experience and Fay would not accept my payments I mailed one in for the month of XX/XX/XXXX but Fay sent a Returned Funds notice dated XX/XX/XXXX saying I was in active foreclosure in spite of the face Calibur approved me for a deferment I sent a copy of the agreement to Fay several times and it took Fay servicing until about XX/XX/XXXX to apply the deferment but for the 6 months they refused to accept payment Fay servicing refused to assist me and forced me to apply for a loan modification even though I was already approved and was paying my monthly payment before the service transfer my loan became delinquent due to the error in servicing by Fay in not updating my loan and not accepting payments
Product: Credit card

On XX/XX/XXXX I moved and used XXXX XXXX XXXX when they left I called the company right away they did not complete the service. They did not bring a larger truck they said it was being used even though I used them 3 prior times with the same Amount of furniture. In XXXX I use my chime card for a XXXX deposit to secure the date. So XX/XX/XXXX They left all my kitchen stuff and some bedroom And lied and said that I was not ready and they were just sitting around. On XX/XX/XXXX placed that purchase of XXXX on my bank XXXX XXXX debit card. I received the full {$1000.00} Because the services were not completed. After 9 times of calling chime they continue to say The case is closed I have documentation of everything thank you
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint regarding fraudulent accounts that have been wrongfully placed on my credit report. These accounts were opened in my name following the widely publicized XXXX  data breach at your institution, which resulted in the compromise of my personal information. These accounts were opened without my knowledge or consent, and the resulting damage to my credit and financial standing is unacceptable. This matter constitutes identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. 

The fraudulent accounts that need immediate removal from my credit report are as follows : XXXX XXXX Account Number : XXXX, Balance : {$6000.00} XXXX XXXX Account Number : XXXX, Balance : {$3500.00} Additionally, I have XXXX accounts reporting under XXXX XXXX XXXX XXXX for the same account, XXXX of which reflects an available credit balance of {$240.00} with a minimum balance of {$54.00}. I demand the immediate removal of the XXXX XXXX XXXX XXXX account showing an available credit balance of {$240.00}, as it is the duplicate. The other XXXX XXXX XXXX XXXX account, which is showing a XXXX balance, should remain on my credit report. 

These fraudulent accounts have caused unauthorized hard inquiries, adverse collection actions, and significant harm to my financial reputation. The damage is real, and the burden of these fraudulent activities is not mine to bear. The continued delay in addressing this issue is inexcusable.

Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Furthermore, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. These laws are clear, non-negotiable, and demand your immediate attention.

Final Demand for Resolution This issue arises directly from your failure to adequately protect consumer data during the XXXX  breach. This is not merely an issue of fraud ; it is a consequence of gross negligence on your part, and you bear full responsibility for rectifying the situation.
Product: Debt collection

I have recently started learning about credit, so I made a XXXX XXXX   account. There I saw a list of collection accounts that I have no knowledge of. 

I fear that I may be victim of identity theft.
Product: Credit reporting or other personal consumer reports

Inquiries due to identify theft/fraud. Equifax did not help or remove hard pull inquiries after sending letters and correspondences. 

DATE OF INQUIRY COMPANY ADDRESS XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I contracted service from  XXXX  for a  SIM ca rd to be used in an iPad for cellular connection purposes. The signal was very poor at my place of residence due to interference. I returned th e SIM c ard and closed the account.  XXXX  refunded my money and i considered that to be the end . 5 W eeks later i received a bill from a collection agency by the name of  XXXX   XXXX  ; I called  XXXX  and they corrected my account to show that no money was owed to them. Following month another bill was sent from CONVERGENT  OUTSOURCING INC. f or the same amount. I have called  XXXX  to clear this situation but they say the show no traces of my name in their records. I do not wish to contact the  collectors company for fear that they are just going to verify my name and address and sell my name to other data collecting agencies. Please Help.
Product: Checking or savings account

I was refused service based on the way I pronounce my name over the phone. 
XXXX refused service on XX/XX/2023 at XXXX XXXX XXXX XXXX XXXX a supervisor - confirmed refusal of service at XXXX on XX/XX/2023. 
I clearly stated the way I pronounce my name - multiple times. 
Both stated that I have to pronounce it " differently ''. 
Both are Americans. I am a foreigner, born in another country, and forcing me to pronounce my name the way they see fit I consider a discrimination by national origin.
Product: Checking or savings account

I had a dispute that was taken care of and credited to me on the XXXX of XXXXThen less than 8 hours someone hacked my account again and I disputed it on XXXX the XXXX for $ XXXXThey said they couldnt find anything wrong.
Product: Credit reporting or other personal consumer reports

Full Name should only appear as : XXXX XXXX XXXX Only address should be : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX
Product: Debt collection

This is another medical debt that was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XXXX of 2015 along with XXXX other debts.
Product: Debt collection

XX/XX/XXXX Attention : TransUnion Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : po box XXXX, IL XXXX Phone:XXXX Reason : THIS IS INACCURATE Account Name : XXXX Account number : XXXX Date Filed:XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, FL XXXX PHONE:XXXX Reason : THIS IS INACCURATE Account name : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, IA XXXX Reason : THIS IS INACCURATE Type Of Account : INQUIRY Account name : XXXX XXXX Date filed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Product: Checking or savings account

On XX/XX/2024 I had lost my phone and someone was able to get into it and drain my bank account through my XXXX XXXX. I contacted the bank to let them know it was fraudulent and they gave me my money back. On XX/XX/2024 they reversed it saying I authorized the transactions. So after they did that I I submitted evidence showing I had a theft alert on my phone and someone tried to access my account. After that all these charges came in which was given to them to show as proof and they said it was still authorized. I went to XXXX XXXX for help and they agreed it was fraud and reverse the charges. Currently Chase is not accepting that and will not give me my money back and will not take the reversal from XXXX XXXX. Due to the bank failure to stand by their customer my account is now overdrawn because they took money back that they should not have and incurring numerous overdraft fees because of the bank 's actions. Nobody at the bank seems to want to help me so I figured I'd come here to try to get a resolution
Product: Debt collection

The bank that my husband owned they trying to make me pay for it because I was just a card holder never signed anything the wouldnt even give me credit and the reason the trying to make me pay cause my husband passed away in XXXX of this year it Care credit Synchrony Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am filing a formal complaint regarding the inaccurate reporting of an account on my credit report, which I am requesting be removed entirely. The account in question is a XXXX  account, where I was listed as an authorized user. Below are the account details : Account Name XXXX XXXX  Account Number : [ If available, you can include the last XXXX digits of the account number here ] Reported Balance : {$5200.00} Last Reported Date : XX/XX/XXXX Credit Limit : {$2100.00} Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX The issue at hand is that this account was reported as closed with a balance of {$5200.00} on XX/XX/XXXX, despite my role as an authorized user and not the primary account holder. Furthermore, the dispute resolved status showing " subscriber disagrees '' is entirely inaccurate. As an authorized user, I do not hold responsibility for the balance, and the statement is misleading. 

I request the immediate removal of this account from my credit report. The account has been inaccurately reported, and its inclusion is harmful to my XXXX XXXX and financial well-being. 

Legal Basis for Request : Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ), furnishers of credit information are required to provide accurate and complete information to credit reporting agencies. The current reporting of this account violates the FCRA in the following ways : Inaccurate Reporting : The account was reported as a closed account with an outstanding balance. As an authorized user, I have no legal responsibility for the balance, and this should be reflected in the reporting. 

Dispute Status : The " subscriber disagrees '' status is inaccurate and misleading. This indicates a dispute that I did not initiate or resolve, which is a violation of the FCRA 's requirement for accurate information. 

Failure to Correct Information : The FCRA mandates that credit reporting agencies and furnishers correct any inaccuracies in a timely manner. The failure to accurately report the account as authorized user status rather than primary account holder is a violation of this obligation. 

Due to these violations, I am requesting that this entire account be removed from my credit report. The incorrect reporting of this account has caused significant harm to my credit and financial standing. 

Potential Legal Action : Should this matter not be resolved in a timely manner, I will consider pursuing legal action for damages under the Fair Credit Reporting Act ( FCRA ), as I have suffered harm due to inaccurate reporting. Under the FCRA, I am entitled to seek compensatory damages, including actual damages, statutory damages, and punitive damages for the failure to accurately report my credit information. 

I will also explore the option of engaging an attorney who specializes in consumer protection law and credit reporting disputes. A law firm such as The Law Offices of XXXX XXXX XXXX, which specializes in credit report disputes, FCRA violations, and consumer protection, can assist with this matter and pursue appropriate legal remedies if necessary.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate balances & payments please remove from my credit report because the furnisher is reporting a charge-off repeatedly in the payment history on a closed account and this is reaging the debt.How are you allowing this to happen?
Product: Student loan

On  XXXX   XXXX ,   XXXX  , I called Navient 's customer service eline to explain my current financial situation and the ending of my  Rate Reduction Plan, which lowered my interests for my private loans. Since my plan is coming to an end, I called to re-apply, but the representative told me I do n't qualify anymore even though in the beginning a different representative told me I can reapply with a form. Navient did n't want to give me the form to re-apply because according to them I do n't qualify anymore even though they do n't know my current financial situation or what I am going to put in the form. They just assumed because of my credit score ... They did n't care if I have  no income coming in ... I am going to be unemployed in a few weeks and ca n't afford my payment plan outside of the rate reduction program. The representative did n't provide me with any more help. I had to keep asking her questions like what can I do now? And she told me absolutely nothing. I then told her " is n't there a deferment? '' and then she told me there is. So I 'm like why did n't you tell me that in the first place, do i have to keep bringing things up that you should have brought up to me in the first place? The representative did n't bother to give me any options. She did n't help in getting me any other assistance until I brought it up to her. This has happened to me for the past 4 years dealing with Navient. I have to research on my own for help myself instead of turning to them. I am now facing unemployment with no ability to pay my {$480.00} dollar loan because there is no other option for me to pay it beside s DYING, which is absurd. I I want to pay my loan, but I ca n't afford to do the full payment. Navient offered me no  other assistance or help.
Product: Checking or savings account

On XXXX we received a letter from Marcus by Goldman Sachs that stated your account ( in my wife 's name ) has been closed as it was open for 60 days and there had been no deposits. We have no accounts with them and have never had any dealings with them. We have never received any correspondence from them regarding the fraudulent account until we received an account statement on XXXX showing {$0.00} dollars in the account for the month of XX/XX/XXXX. On contacting Marcus by Goldman Sachs they had stated that the account had been opened in XX/XX/XXXX. They asked my wife for her date of birth and the last XXXX digits of her social security number which were accepted. The phone number they had was from a land line that had been disconnected in early XXXX. They said that they would investigate this matter. I don't understand the complete lack of communication when the account was opened as they obviously had our home address. Also we have XXXX  monitoring and there were no inquiries made before whoever opened the account. It seems very lax to not thoroughly ID whoever opened the account. Our XXXX credit files are now locked by us and we have submitted an identity theft report to XXXX. We are awaiting the investigation results from Marcus by Goldman Sachs.
Product: Debt collection

My ex spouse took dog to vet to XXXX XXXX  XXXX XXXX in XXXX KY and they let him leave without paying. They then billed him at his address, which he didn't bother to pay or open because I am sure it had my name on it. The vet office used my account for the visit instead of his XXXX XXXX. I then starting getting collections phone calls for something I had no knowledge of. I went to the vet office to investigate and was told what it was. I mailed a check for more than the balance just to get the phone calls to stop. The bill was XXXX I mailed XXXX they are still trying to collect XXXX for the visit. I have disputed it over and over. I am tired of it being on my credit even after I paid for the visit.