23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian kept reporting inaccurate information about a XXXX XXXX account. Company claims I owe debt. I called. Disputed I owed nothing. I asked them to send proof. The account number is incorrect from the records I have from XXXX emails.The debt was sold to another 3rd party collector ( illegal ), XXXX  as seen in the attachments I have provided. 
Experian may have sold my information to 3rd parties as well which I did not consent to and also provided a revoked POA for Experian as well as these said companies.
Product: Credit card or prepaid card

On XX/XX/2021 While checking to see if my automatic payment from my checking account post ] ed to my PayPal master credit card, the system stated to me I needed to contact customer. Immediately, I contact my credit card company which Synchrony bank to see what's going on. First representative, stated to me I reported my card lost or stolen. I then replied and stating I never called to report that, my card is here in my hand. I asked to get my call escalated to a supervisor. I spoke to a supervisor, she informed me that the prior rep gave me the wrong information. However, they were informed my account was fraudulent opened and I ask who informed your company that, That's not true. I opened my account and I actually had to fully verify myself by scanning my face and the front and back of my state issued DL prior to getting an approval. She said she's very sorry that I experienced this issue and she will help to get my account verified. She then sent me a link via text where again I had to do the same process as before when I applied a few months ago, scanned my face and front and back of my ID and then give her the code that was sent after. She then, fully verify me and made a note to send to the investigator on the case. She advised me that a new card will be issued and to destroy the one I have in my hand. I asked if I can get a reference number to follow up, she said no there's not one to be given. I asked can I have the investigator 's name and number to follow up with this issue, she said she can't give out that information. She said however, I can call and provide the customer service rep with the last 4 of my card and they can help with any of my concerns. Today, I receive notice from XXXX, XXXX, and XXXX  that my account was closed. Immediately contact customer line to inform them of this and have them to reopen my account. Called over 5 times and no one was able to help or transfer me to the right department. This is a mistake on their behalf, I would like my account to be reopened in good standing and report this account to all reporting credit agencies with the report of my prior payment history. This is a huge inconvenience and their customer service agents sucks.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX XXXX Dear Credit Bureau I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ) High XXXX : {$6900.00} ( XXXX, XXXX ), {$0.00} ( Experian ) Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian, XXXX ) Balance XXXX : {$0.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account XXXX : Paid ( XXXX ), Derogatory ( Experian, XXXX ) Account XXXX : Individual ( all three ) Dispute Status : Account not disputed ( all three ) Creditor Type : Bank Credit Cards XXXX XXXX XXXX Experian XXXX, National Credit Card XXXX XXXX XXXX XXXX Account XXXX : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Payment after charge off/collection, Settled - less than full balance ( XXXX ), Account legally paid in full for less than the full balance, Unpaid balance reported as a loss by the credit grantor ( Experian ), Settlement accepted on this account, Paid charge off ( XXXX ) Payment Amount : {$0.00} XXXX all three ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Term Length : -- ( all three ) Past Due Amount : {$0.00} ( all three ) Account Type : Credit Card ( XXXX, Experian ), -- ( XXXX ) Payment Frequency : -- ( all three ) Credit Limit : {$6000.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : XXXX. High Balance : Different amounts reported by XXXX ( {$6900.00} ), Experian ( {$0.00} ), and XXXX ( {$6900.00} ). 
XXXX. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
XXXX. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
XXXX. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 











Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 

Enclosed are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 

Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I was lead on with a closing date! Get a phone call 30 min before closing on the day of saying that they were goin to have to push the date back! The only reason I have been gave is because one of my check stubs didnt add up to what the job stated I worked.. the reason my check stub was short is bc we had been off due to inclement weather. Who sends out closing disclosures give a closing date then basically deny the entire process 30 min before time.. leaving me and my children homeless!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was diagnosed with XXXX  for the XXXX time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/23 submitted a dispute to remove or show that my XXXX student loan was paid in full. Experian told me that my dispute did not specify what I wanted them to do so I had to submit another one. I also submitted verification of the debt being paid in full which I had a letter from Department of Education detailing this back in XX/XX/2023. I submitted another dispute in XX/XX/XXXX which again verification was submitted. I contacted experian today ( XX/XX/23 ). I was told that documentation was never submitted to verify that my loan was paid in full by the first agent. I requested to be sent to another agent to reprocess the dispute. I spoke with this other agent who was able to see the documents that were uploaded prior but did not provide a reason why it was not sent before. 
In the mix of everything I had already spoke with XXXX approximately 2 weeks prior and I was told that the credit bureaus would be notified by XX/XX/2023 that the debt was paid in full. XXXX and XXXX have already sent me letters last week confirming that the debt has been paid in full but for some reason Experian has not. I do not appreciate the way this has been handled by Experian
Product: Debt collection

Deville Asst Management this company did not send me a letter or bill, they fail to notify me. The only way I found out this debt is thru my credit report. And the information they have on XXXX XXXX is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Checking or savings account

My business checking account was charged a fee on XX/XX/2021 for {$46.00} R/P Same Day - Low Value and {$75.00} R/P Same Day - High Value. I called into your business customer service line and was transferred to business online. I spoke with a young lady that was unprofessional and rude. I waited on hold for over 20 minutes each time I was placed on hold. I was placed on mute and not on hold. After 20 minutes she told me to go into the branch because she couldnt find out why I was being charged the branch setup the charges which is completely untrue. I asked her could she remove the charges if she wasnt aware where they came from or get a supervisor on the line. She place me on hold and never returned to the phone. That is very unprofessional to blow a customer off thats concerned about charges on their account. I run a business I dont have time to keep going to the branch about charges I can easily call customer service about and the answer be provided or the issue resolved. This is horrible! Please this needs to be resolved immediately. That representative needs feedback and training.
Product: Debt collection

I missed 1 payment of about {$100.00} due to illness and I just forgot. I got my next monthly statement on XXXX/XXXX/XXXX stating that my payment was late and that my next due date was XXXX/XXXX/XXXX. But a few days later I began receiving calls at work 2 to 3 times a day for about 4 days. The. they called this past Saturday & Sunday too. This has been the only payment I 've been late on in about 5 years. I consider their actions harrasment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor did I authorize these merchants to conduct an inquiry. Also, there are names and addresses that I don't recognize on my profile.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - SELF EMPLOYED Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Employer - XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

On Tuesday,XX/XX/2018 at XXXX I was contacted by D & A Services on behalf of XXXX XXXX , I was threatened with a lawsuit if I did not make a promise to pay to debt. I was repeatedly told the call was recorded. I asked her to please stop threatening me with a lawsuit she did not stop the scare tactic.

Also on a previous call, they informed me that they had checked my credit to see that I had been settling other accounts and told me I need to settle with them or they would take to me court and garnish my wages.
Product: Debt collection

I called Franklin Collections on XX/XX/2021 about a dispute and the representative failed to state the FDCPA. I called to inquire about having a debt removed once paid and at this point since she violated I shouldn't be held responsible for it
Product: Credit reporting, credit repair services, or other personal consumer reports

These aren't my accounts. I am trying to refinance my home for a favorable rate and it's destroying my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi allowed fraudulent credit card accounts to be opened in my name without my authorization. I notified Citibank N.A That I was a victim of Identity theft, and advised which accounts were fraudulent as I have not opened a credit card with Citibank. Citibank responded to my complaint advising that I called in Advising all of the credit cards were valid and that I received these cards. Never once did I make any calls into Citibank and in fact I believe I have received 1 call from them total, that I did not answer and was left a message for. Yet Citibank continues to provide false accusations without proof or evidence of said calls. I am requesting at my legal right to have proof of these calls that are supposed me calling in to verify credit cards that I never received ever. The address that the accounts were opened with do not match my addresses, Isn't on my credit reports and isn't on my public records. So Again Citibank is fraudulently reporting fraudulent accounts on my credit profile, I will continue to dispute these fraudulent accounts with the Credit Bureaus as these were opened as a result of identity theft, and I never received any of the cards they are listing. As Stated, I have received one phone call from citibank " XXXX XXXX XXXX '' that I never called back nor ever responded to. 
FRAUDULENT - Accounts Opened by Identity THIEF that Citibank refuses to actually investigate nor resolve. 
Costco Anywhere Visa Citi Double Cash Account ending in XXXX Account ending in XXXX Citi / AAdvantage Platinum Select World Elite Mastercard Account ending in XXXX I never verified these accounts being mine, Because they are not. I never once called in to verify this, and If citibank is trying to falsely accuse, I want proof by recorded call where I stated these were my accounts, I never once called in and said this but I want proof of the call since they are clearly trying to prove the fraud based on fraudulent calls that never occurred. Again I did not apply 22 Times, I have not applied with your bank for a credit card at all. These accounts are fraudulent, and per law 603 ( B ) I am requesting my right as an Identity Theft Victim for these Fraudulent accounts to be blocked with all 3 credit bureaus effective immediately. Citibank is not conducting any investigations, and Do not care about victims of fraud. They do not assist with fraud and continue to report fraudulent accounts, and accuse actual victims of fraud. These tactics are shady and discrimination.
Product: Student loan

My daughter is not able to pay on loans that Discover claims that we ( my husband and I ) cosigned with XXXX and were then purchased by Discover. I have contacted XXXX, and they can not help me other than to state that it was once very easy for the student to respond to an email and you were then the cosigner, but steps have been taken in the past five or more years to ensure that the cosigner does know and is willingly cosigning. There is no evidence of our signatures on any documentation, only the printed words " electronically signed ''. 

My daughter defaulted on XXXX loans for which my husband is listed as the cosigner, which is ruining his credit, and we were never notified. We found out after it was already in default because of a credit check. Discover claims that they did not have to notify him because telling the cosigner is " only a courtesy '' and they are not required to do so. 

My daughter admits that she just responded to an email that listed us as the cosigner but did n't realize that she was doing anything wrong because she was following XXXX 's instruction. She does not make enough money to pay back her loans and still survive ( XXXX a month payments on XXXX loans ) and Discover does not consolidate. She tried to consolidate them through a bank but because of the default no one will help her and every time a bank runs an inquiry her score drops even further. 

No one will help us. I 'm being forced to make the payments on the XXXX loans where I am listed as cosigner just to keep decent credit. Discover has a policy that if six payments are made on time that the cosigner can be released, but only if the student has good credit, and that is likely not going to happen quickly. No one at Discover will even talk to my husband about the XXXX loans that defaulted. They can ruin his credit but not talk to him. It 's ridiculous.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, fraudulent accounts and inquiries have been added to my credit report without my consent or knowledge. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all of the following accounts and inquiries be blocked and deleted from my credit file : Fraudulent Account : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Vehicle loan or lease

I had contacted credit acceptance in 2020 due to hours being reduced at work regarding the covid 19 shutdown/ reduce hours of operation and was told that I was unable to reduce or extend the length of the loan and was at 23.99 % interest I was also unable to refinance through credit acceptance to reduce interest I had already been paying for 2 years on the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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

Today, I am writing this complaint to THE BUREAUS INC regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My wife and I went to the bank in BB & T in XXXX XXXX XXXX XXXX PA XXXX Last XX/XX/2018 we went to see if we could increase our line of credit HELOC account from {$80.00} to XXXX after waiting and calling we were approved after couple weeks we got the letter in the mail our HELOC interest rate went up from 4.25 % to 5.99 % .. what they did they close our HELOC account line of credit {$80000.00} without informing us.. and they open a new line of credit wich is 5.99 % .. the only reason that we ask the bank of our HELOC account to increase the amount from {$80000.00} to {$110000.00}
Product: Credit reporting

2010 I attended an online college called XXXX college, which was suppose to be located in XXXX, Ohio, but later found out it was located in XXXX XXXX, Fl. I found out they were taking out student loans months after I had withdrawn from there. I have been accruing hundreds and hundreds of dollars over the past XXXX yrs. from these student loans that I never approved or signed for, because of the student aid advisor who was actually a student himself that was fraudulently scamming me by taking out loans without my approval and who knows how many other people who attended this fraudulent online school.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I called the credit reporting agencies and let them know that this Open/ Collection account that's being reported in the documents included below is not supposed to be visible on my consumer report. I never gave them written consent to report them. Under 18 U.S. Code 1028A ( 1 ) you are in violation of Aggravated identity theft by reporting these accounts without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for mortgage with a company and I have information that I am currently disputing on my credit report, but company keeps pulling hard credit report report which appears that I have nurmurous inquires and lowering my credit score.  should seek permission for updates and I am going through consumer fiance to resolve issues in an effort not to dicress my scores