23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to freeze my credit with Experian to no avail. The imposter posing as me and applying for dozens of fraudulent loans also created a fraudulent account using my name, my social security account, but the wrong email ( the email she used is slightly redacted but i've attached a screenshot of it ). I am unable to get a hold of Experian in any way ( have tried calling and emailing ) but no representative is accessible. They only have robots. Please help!!!
Product: Credit reporting or other personal consumer reports

My account is showing 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I was not late. My account was up to date due to forbearance
Product: Prepaid card

XX/XX/year> I am guessing cause its been a while I just cut the card up and threw it away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get a collection account removed from my credit report since around XXXX or XX/XX/2022. There were 2 inaccurate accounts and one was removed, but these Credit Bureaus have failed to notify me of why the other one hasn't been deleted. Their investigation has taken more than 30 days, and they are willfully allowing Identity Theft inaccurate information to remain on my reports and damage my credit score. 

I am legally entitled to have this account listed as XXXX, removed. 
XXXX XXXX XXXX collection account listed says I owe {$2500.00} yet no one has furnished any proof bearing my signature not any other type of validation or verification. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX..., has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I need this removed immediately. Equifax and XXXX are not complying with the Federal Credit Reporting Laws. 

I have been trying for months and the laws are being violated that they, credit bureau, should be abiding by. They haven't provided proof or anything in the legal timeframe. It can't be verified because obviously it's not something I did or owe.
Product: Checking or savings account

I have an account with chase bank. I reported a dispute on XX/XX/2020 for a little over 700 dollars. These disputed charges included a XXXX XXXX restaurant charge, atm withdrawals from 2 different locations including one in XXXX. I reported the dispute after noticing the charges in the middle of the night. I called chase and the automatic machine directed me to lost/stolen cards division to report the dispute. One week later the dispute was denied, and the reason was due to me not informing that the card was stolen. This was false because I did report it stolen, even when directed by the automatic machine. I appealed this dispute many times, and later was moved to the executive branch department to handle. The executive branch at chase still denied my dispute. I feel like this is very unfair to be charged for something that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX checking my credit report I noticed that their are multiple accounts I dont recognize And multiple accounts listed for {$63.00} that are not mine
Product: Money transfer, virtual currency, or money service

I lost my funds when the scammers stole them from me and Chase did absolutely nothing to warn me and protect me.
Product: Credit reporting or other personal consumer reports

I am writing this letter to formally dispute the collection account listed on my credit report, which has been attributed to your company, XXXX XXXX XXXX XXXX. The account in question pertains to an alleged debt from XXXX XXXX with the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with an original amount owed of {$400.00}. The details of the account are as follows : Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$400.00} Amount : {$400.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : CABLE_OR_CELLULAR Date of First Delinquency : XXXX XXXX, XXXX I would like to assert that I have no knowledge of this debt and have never had any dealings or contractual agreements with XXXX XXXX that would result in the debt you claim to be owed. Furthermore, I believe that this collection account has been reported in violation of several laws and regulations, and I am prepared to take the necessary legal actions to rectify this situation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is my right to request validation of the alleged debt and to ensure the accuracy of the information being reported on my credit report. I demand that you provide me with the following information within 30 days of receiving this letter : Written proof of the debt 's validity, including a complete accounting of the alleged debt and all supporting documentation. 
Verification that your company is licensed to collect debts in my state.

Verification of your legal authority to collect the debt on behalf of XXXX XXXX. 
A statement confirming that this alleged debt will be removed from my credit report and that no further negative information will be reported if you can not provide sufficient validation within the allotted time. 
Failure to comply with this request will leave me with no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General office. I will also seek legal counsel to pursue any appropriate legal action against XXXX XXXX XXXX XXXX for violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts under my name that is a result of Identity Theft as well as unverified items wrongly placed in my credit report. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX : I have never taken a course or class from this institution that put a charge on my account. I have proof. Nor do they have proof I took any class from them. I have tried several times to have this removed from my account the only thing left is to sue due to the loss of home and income and harassment.. this charge was wrongfully put on my account. I want it removed from my credit reports
Product: Credit reporting or other personal consumer reports

I sent a letter to all 3 major credit bureaus, demanding that they remove fraudulent inquires from my credit report. XXXX complied with my request, but XXXX and Equifax did not. I never authorized, nor was informed of these inquires.
Product: Vehicle loan or lease

I my first vehicle from USA auto sales ... XXXX FL... In the beginning of XXXX,, a XXXX XXXX. Withing a week the engine went out... I went through the process of with XXXX XXXX. They had my car for 10 days,, the motor was bad,, us auto said they wouldn't fix it .... I asked for my down payment back, they refused,,,,... they pressured me,, and tricked me to get another car... They said they would put me into another car,, but I told them the only way I will is if they give me a extended warranty on my car to insure it would get fixed, they agree... they put me in another vehicle,,, within a week the brakes went out... I contacted us auto sales,,, also the mechanic shop contacted them about the warranty, they denied my warranty,, said they wasn't going to fix it... The next week after that thay closed there business,,, they sold me a XXXX car,,, but didn't give me a XXXX XXXXar warranty .... false business practice,, deceptive tactics, ,three months later, ,while I have a car with no brakes,,,, I notice they Transfered my loan to a debt collector,,, Westlake Portfolio... which made my credit score drop significantly ..... So I called the new Westlake Portfolio to see if they would honor my extended warranty,, they also denied to fix the vehicle,, .. it's the same occuring brake problem on the vehicle, ,it not safe to drive,,, I recently lost my job XXXX,, because the mechanic shop had it for another 10 days,,, when they denied to fix my vehicle ... .this car is a lemon ... .. Also my balance that I pay on my vehicle has moved,,, I think they were double billing me,,, I still owe the same thing I owed when I first got the vehicle ..... I also have other people who been deceived by the same company..
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a natural born person I am the actual person submitting this dispute. This is not a third party. After reviewing my credit profile I identified multiple discrepancies with accounts listed as United Auto Credit CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are reporting inaccurate last activity date and high balance to all Credit bureaus. A validation and update to my report has been requested. 

15 U.S.C 1681s-2 Responsibilities of furnishes of information to consumer reporting agencies ( a ) Duty of furnishes of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge if errors.

15 U.S.C 1681e States ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX the amount of {$460.00} and XX/XX/XXXX the amount of {$220.00} there was 2 fraudulent accounts opened using my personal information with XX/XX/XXXX-XX/XX/XXXX on XX/XX/XXXX there was a auto loan for the amount {$15000.00} taking out with XXXXXX/XX/XXXXusing my personal information. on XX/XX/XXXX there was an account opened with merchant ad for the amount of {$1100.00} fraudulent using my personal information
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts and Id like to dispute this inaccurate information. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error that the banks sent the wrong statements to the wrong address and I seek your immediate intervention to rectify it. The banks associated with these accounts confirmed the errors when I talked to them via phone call and assured me they will correct my accounts. Please CORRECT these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I apply for a PPP loan with Arvest bank and they make me waste my time and never get the second PPP loan due to their negligence in submitting my application. now they just sent me an email saying that sba run out of money for this loans.
Product: Debt collection

XX/XX/XXXX  : Recieved a notice of Garnishment from local court from XXXXXXXX XXXX XXXX. I had not been previously contacted by them for possible legal action. 
XX/XX/ : Finalized repayment plan to avoid garnishment, {$75.00} bi-weekly. 
XX/XX/ : Notified that a garnishment was taken out of XXXX from my paycheck for XX/XX/. I also recieved a letter that same day stating XXXXXXXX XXXX XXXXXXXX was going to debit {$75.00} from my bank account. 
XX/XX/ : XXXXXXXX XXXX XXXXXXXX is refusing to apply the XXXX that was already taken via garnishment from my paycheck and refuses to refund me that money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This account isn't mine. I have no knowledge of the account it was opened fraudulently under my identity. It had negatively impacted my credit report and credit file.
Product: Checking or savings account

I'm trying to reach out to anyone who can help me. I wired money to our title company on Monday for the closing costs on my home and the money has been in limbo since then. I have spent hours on the phone with representatives at Marcus Goldman Sachs to no avail. I have even asked for my money back so that I can send it to another bank and they have not don't so. I'm going to lose the house that I have already put earnest money toward and I am without a home currently because I can not get the keys until the bank gets the money. Please let me know what else I can do. I've never been given the run around as much as I have these past XXXX days.
Product: Student loan

In XXXX ' I was directed by Sallie Mae ( now XXXX ) to take out Private loans instead of Federal. During my XXXX year I had applied for a loan and was approved. Looking back after investigating it looks as though they also approved a loan a month later in almost the same amount totaling $ XXXX. After school I struggled to find a job and was told to deffer my student loans which capitalized interest. My total borrowed was XXXX and is now XXXX. I make my student loan payments on time but am buried under the student loan debt. I have tried to get answers from Sallie Mae regarding the XXXX I feel we never received and have never received an answer or know what to do. I am currently paying on a " payment plan '' but with the debt and interest payments, I will probably never pay them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit that is currently listed as Midland Funding LLC the original creditor is XXXX XXXX XXXX. I have reached out to the third party company on numerous occasions for a validation of debt with the original signed agreement by me. The credit bureau 's along with the company continues to verify this information as accurate. This debt was also charged off and on my credit the status still says " open ''. Under the FCRA any company that fails to provide this information of validating a debt within 30 days is required to be removed. I am asking for this to be removed from my all three of my credit reports.
Product: Debt collection

I have a payment plan with them i missed one time and I continue to get calls two three times per day including Sat and Sundays.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a purchase with my Venmo card to XXXX for {$95.00}, which was immediately taken out of my Venmo account. Two days later on XX/XX/XXXX, they ( Venmo ) charged me another {$95.00} and called it " account recovery payment. '' I can show that the money came out on the XXXX when I authorized it to. I can show that I did not make another purchase for {$95.00}. Venmo stole my money for no reason. Then I started looking online and I found that they have done this to a lot of people for no reason and with no explanation. People are furious including myself, and this is not okay. They are supposed to be a " bank. ''
Product: Debt collection

Received a call from a person representing PayPal Credit. Was immediately attacked by the representative about the number of voicemails they have left on my phone, at which time I notified her that was impossible as my phone does not have voicemail set up. Which she then acknowledgeed that I was correct. She continued to explain that payment has not been made for XXXX or something to that affect and at XXXX today they would be taking legal action, if I did not make a payment " right now. '' I informed her that my wife handles the account, at which poinnt she stated rather aggressively, " WELL IT DOESN '' T APPEAR ANYONE IS HANDLING THE ACCOUNT! '' I told her if she continued to talk to me in this fashion I would be hanging up, at which point she appeared to be gearing up for another round of attack and I hung up on her. This all occurred at about XXXX on XXXX.
Product: Mortgage

I have received on XXXX/XXXX/2015 letter dated XXXX/XXXX/2015 from OCWEN LOAN SERVICING , LLC informing that my Mortgage number XXXX was transfer to another Finance Company XXXX XXXX XXXX, XXXX. 
Information from the new Company XXXX XXXX XXXX, XXXX is incomplete and is not allowed to contact any body from that Company to continue my payments. 
Attached you can see letter received. 
Additional problem is OCWEN LOAN SERVICING , LLC has not clarified information requested before for payment modification that includes additional amount for {$710.00}. 
Could you please help me to : a ) Ash them to clarify where I Can pay my mortgage loan, because was due date XXXX/XXXX/2015 and they did not accepted my payment for XXXX. 
b ) Review all information for the modification that was not clarified for the additional amount for {$710.00}. 
ThanksXXXX XXXX XXXX XXXX, XXXX, Tx. XXXXXXXXXXXX
Product: Debt collection

The debt company has been calling me for the last few weeks. So on XX/XX/XXXX at XXXX I called the number ( XXXX ) and they are telling me that in XX/XX/XXXX XXXX there was a payday loan taken out in my name. They had my bank name but not the right acct. number and my S.S. #. They would not tell me who singed for the loan or how much it was for. I have never taken out a payday loan. I would like to get this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to alleged identity theft on my credit reports pursuant to section 605B of the Fair Credit Report Act. I never received any notifications in regards to the investigation results and still have yet to receive any response.
Product: Credit card or prepaid card

New Complaint! I filled a prior Complaint against Discover and this issue has arisen since then.

Firstly, in my agreement with Discover, any disputes are supposed to go to arbitration, which I requested and Discover has not done.

Next, I got a letter from Discover telling me if I made the minimum monthly payment timely, 3 months in a row. which I did they would consider my account current which they have not.

Next, although Discover told me differently, my written agreement with Discover specifically provides if I am not satisfied with a purchase made with my card, Discover will protect me! 
I didn't know when I filled the previous Complaint, but the Company where the purchase was made, XXXX XXXX, in an administrative proceeding with the State of Michigan Secretary of State, arising out of this purchase committed fraud when they told the State I received documents required by State law on XX/XX/2018, when factually in violation of State law I didn't receive the required documents for almost a month after that date, a violation of State law, and evidence why the sale was fraudulent. 
Therefore, under my agreement with Discover, I am disatisfied with purchase I now have evidence was fraudulent and under my agreement with Discover I am unhappy with fraudulent purchase I made with my Discover Card, which Discover should reimburse me for under my written agreement with Discover.
Product: Vehicle loan or lease

Honda Financial Services ( hondafinancialservices.com, account number XXXX, Automatic monthly payments have been setup and mostly operating successfully since the XXXX XXXX was purchased new in XXXX. In XX/XX/XXXX, the automated payment of {$260.00} failed. The XXXX  XXXX XXXX checking account used for the automated payments had over {$11000.00} in checking in XX/XX/XXXX. We typically keep a significant balance in this account to pay this and other automated bill payments. When we became aware of the error, we paid Honda Finance {$520.00} in XX/XX/XXXX, and {$530.00} in XX/XX/XXXX, to resolve any unpaid amounts and fees. Honda Finance posted a negative report to financial reporting agencies, which has significantly lowered my Credit Score and rating. Honda Finance is unwilling to resolve this issue. I can not qualify for a new Home loan because of this negative credit report, which I do not believe I should be responsible for.
Product: Credit reporting or other personal consumer reports

Please review and investigate the accounts that are not completely accurate. I kindly request the immediate removal of all incorrect entries from my credit report.