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

In accordance with the Fair Credit Reporting act XXXX Account for Experian accounts is # XXXX, which 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 Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX, XXXX XXXX on the date XX/XX/XXXX, and XXXX XXXX XXXX in which was XX/XX/XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX and the date of inquiry XX/XX/XXXX. I noticed a total of three unauthorized hard credit checks by XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Another company unauthorized pulled my credit known as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) marked a negative inquiry affecting my credit score. Next, a company called XXXX  XXXXXXXX XXXX XXXX unauthorized checked my credit. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, XXXX  XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, the inquiry date was XXXX and XXXX XXXX, XXXX XXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and XXXX are unrecognized credit companies to access my credit report for this reason. A recent company that goes by XXXX XXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is XXXX dispute confirmation number provided by XXXX is XXXX. For all the hard inquiries mentioned above, I didn't give the companies authorized to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. I've contacted all the credit bureaus and credit reporting agencies pior to submitting this claim The dispute confirmation number is XXXX.
Product: Payday loan, title loan, or personal loan

I received e-mails today from 6 different companies stating my loan request had been denied but I did not apply anywhere for a loan so someone else is trying to get money using my information. 
The e-mails came from the following companies XXXX One Main Financial  Reference # : XXXX One Main Financial Reference # : XXXX UXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection account in full to XXXX XXXX XXXX XXXX in the amount of {$1600.00} on XX/XX/2020. The account is still listed on my credit report under collections & does not reflect paid as agreed. I contacted XXXX to ask that it be removed & they would not comply. I have also disputed the information with Experian & provided proof, but it was not updated.
Product: Debt collection

UNDER HOUSE JOINT RESOLUTION 192 ALL DEBTS ARE PAID Original Creditor XXXX XXXX XXXX DATE ASSIGNED : XXXX / XXXX / XXXX  Agency - LOCKHART MORRIS & MONTGOMERY DATE REPORTED : XXXX / XXXX XXXX XXXX Creditor Classification - XXXX XXXX ORIGINAL AMOUNT OWED- {$900.00} Original Creditor - XXXX XXXX DATE ASSIGNED : XXXX / XXXX XXXX XXXX  Agency - LOCKHART MORRIS & MONTGOMERY DATE REPORTED : XXXX XXXX XXXX XXXX XXXX Creditor Classification - XXXX XXXX ORIGINAL AMOUNT OWED- {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently received my credit report and upon viewing, noticed some fraudulent activity on my report. I've filed an idenity theft report ( reference number,XXXX ) in regards to these unauthorized accounts. I've disputed these accounts with XXXX, XXXX and experian, which they said its been verified. I don't know what else to do but file a complaint, because these inquiries are unauthorized. The following accounts must be removed immediately ; XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX and XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX . Futhermore my information was used and I recieved no benefit, these must be deleted immediately. Idenity theft report number again is XXXXthis is harming my character and i will seek counsel for suit if not removed and updated and sent a copy of credit report showing the updates of deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started a Credit Monitoring Service because my wife noticed a large amount of mail coming to the house which we usually just dismissed as wrong address or wrong person. We travel extensively overseas and never use credit much at all to keep from accumulating debt. We have been overwhelmed as we look at her credit file and my own to find erroneous accounts that have accumulated over the years un-noticed by us. We are going to have to check all our personal accounts both here an abroad as well as our personal information immediately for fraudulent activity. We are filing this affidavit as a first step to protecting our personal information from this day further. We hope that this will assure us of protecting our good names in the future.
Product: Debt collection

XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  Prog Fin Srv   XXXX   XXXX    XXXX   XXXX , AZ  XXXX   XXXX  : Acct #  XXXX  To Whom It  May  Concern : This letter is regarding account  XXXX , which you claim I owe {$390.00} This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( or ever had ) s ome contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   )  from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.   I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Se ction 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Sect ion 623-b ) Pl ease Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Attorney Generals Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an issue with XXXX, my credit score was lowered by 6 points because of a credit card that i never had. I called the bank that had placed my name of the credit card " Pinnacle Bank " and they said they would fix the issue because it should have never been on my credit report. I never filled out any paperwork asking for the credit card and they said they do not know how it happened. They said it was resolved. Well it is not, i saw on my credit report that the dispute was resolved and the case is closed. IT IS NOT CLOSED. It has lowered my score and it is not fair to me as the consumer. i am requesting that you resolve this issue and give me back my high credit score. it is truly hurtful when a person has to constantly prove that they did not do anything and you all ask like it is nothing. If it were you wouldn't you like your credit reinstated ....
Product: Credit reporting or other personal consumer reports

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XX/XX/2022 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, credit repair services, or other personal consumer reports

I have contacted Experian several times via phone. I have submitted disputes. They refuse to remove addresses that do not belong to me. My only address is XXXX XXXX XXXX XXXX XXXX XXXX. I would like for them to remove XXXX XXXX XXXX XXXX XXXX XXXX. I also want them to delete XXXX XXXX XXXX XXXX XXXX XXXX. I have made them aware that I am worried about identity theft. Reporting addresses that are not mine is not only illegal, but it causes mail to be sent to people that are not me. Exposing me to identity theft at the fault of Experian. According to 15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Experian KNOWS they are reporting incorrect addresses because I told them multiple times, in multiple ways. I uploaded proof of my current address ( utility bill and bank statement ) to the Experian Dispute Center. To remedy this matter, I would like Experian Information Solutions Inc. to remove these 2 erroneous addresses immediately. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my wife 's debit card account was compromised by scammers. My wife never gave out her password nor did she ever lose her card. Her account was linked to our joint checking account. They transferred {$10000.00} from our joint account to her debit card account. Then they withdrew more than XXXX individual withdrawals of {$39.00} on some sort of an XXXX XXXX card. We notified Wells Fargo bank of the fraud before they ever contacted us. My wife does not have nor has ever had any kind of XXXX XXXX. The accounts were with Wells Fargo Bank and we have tried to get our money back through Wells Fargo. They have insisted that my wife actually withdrew the money and therefore Wells Fargo will not return our {$10000.00}. There is no evidence that they have provided to back up the fact that they insist we withdrew the money. 
I will be happy to provide more detailed information if it is requested.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX Account # XXXX Bal : {$0.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have been a victim of identity theft. Unauthorized individuals have fraudIulently used my personal information without my consent. I am not responsible for any transactions, accounts, or actions taken in my name without my authorization. I am taking all necessary steps to report and resolve this matter with the appropriate authorities and Financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft in the past. Time went on and I started seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contact each of the Bureaus. Its been well past 60 days and they have yet to correct the this situation. 
XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX BANK XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX, 2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX BANK XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian today, XX/XX/XXXX, to dispute this old account and they are refusing to remove it. The " until record '' date listed on my credit report for this account is XX/XX/XXXX ( see attached credit report dated XX/XX/XXXX ). 

Old Account : XXXX XXXX, Account # XXXX Auto Loan On record date until : XX/XX/XXXX Credit Report Pages 54-55
Product: Consumer Loan

My daughter goes to school at XXXX in XXXX, HI ; she is XXXX years old. She wanted to buy a car so I told her I would co-sign on a loan for her. I received and filed out a credit application form from Pentagon Federal Credit Union ( PENFED ). Some time later I learned from her that she had gone in to the dealer and signed the load papers and left with the car. They had not sent the promissory note to me to sign. I was, in fact, not going to sign the load until we negotiated the price down. I believe she paid about {$1500.00} to much for the car. I talked to one XXXX XXXX ( spelling? ) XXXX XXXX XXXX at PENFED and he told me he found the promissory note and he could see my daughters signature and where I was supposed to sign it was blank. I then contacted XXXX and their records indicate that I am on the loan with PENFED as sole owner of the loan. I also filled a dispute with them. Basically it seems to me that I am an owner of a loan that I did not sign for. This seems like fraud to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

reported late payment are not true and must be removed from my credit report.I have disputed with XXXX and problem was not fixed FMC-OMAHA SERVICE CTR XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX There system is wrong and these dates shoudl not have been posted, it was a mistake and must be fixed. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with XXXX 2. XXXX is inaccurately reporting my student loan dept as a credit card debt! 
4 XXXX  switch their invoicing method to paperless with notifying me 5. I did not authorize XXXX to switch my billing to paperless 6. I was not notified by XXXX that my payment was past due 7. I appemtepted to make payments via their website as directed by XXXX 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. XXXX is still reporting account that were paid in full as open 11. XXXX is reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with XXXX spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

HELP!!
Product: Checking or savings account

On XX/XX/29, I received a series of 6 emails that a new account had been opened using my information : Bank of America XXXX XXXX Banking Account # : XXXX. I did not open this account and do not wish to have any accounts at Bank of America. 

I never verified the email address or phone number, but the person who opened the account was able to pass through all verification steps and successfully open a checking account in my name. I feel as though safety mechanisms did not work here. 

Further, I have called Bank of America 3 times today and have been transferred to a " Fraud '' department where I have been on hold for >1 hour each time. It's absurd that I can't speak to someone to report this fraudulent activity and close the account. 

Finally, the person who opened the account changed the contact email and phone number, so I have no means of logging into the account at all. Each rep has asked me if I can log in and to see the full account number for their investigation, but I obviously can't do that. 

The six emails attached were all sent within a 6 minute span from XXXX XXXX to XXXX XXXX. It's absurd that an entire account and all related emails/verifications can be worked through that quickly.
Product: Student loan

On XX/XX/18 I contacted XXXX XXXX , XXXX, the company that handles payments and loan servicing, for Citizens One student loans. I expressed to them that I could no longer afford their payment and need to talk about options on how to do so. I informed them that we had recently completed a bankruptcy and would not qualify to refinance. XXXX expressed that there were no options available for me get payment relief and that they were following lender guidelines. I requested to talk to a manager and received the same information. This time she told me my only option was to go back to school atleast half time and that my loan payments would be deferred. At what point does it make sense to defer payments, accrue daily interest, and increase my payments when the loan goes back into repayment. I can't afford the payment as is. The best XXXX could do was file a complaint with Citizens One. So I called citizens one. I spoke with a woman and then a manager. The manager was willing to conference in XXXX and discuss options with me. This was nice. However, it ended in the same result. Nothing could be done. I am a willing consumer wanting to pay my loan, but can't afford the payment. Neither company wants to help. They both kept saying I wish there was something I could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical incident back in XXXX and only a portion of the bill was taken care of which I had been unaware of for 2 years and was sent to XXXX XXXX unknowingly. The {$1200.00} bill plus interest was finally paid early XXXX XXXX  XXXX and I was reassured multiple times by employees at Experian that due to this unpaid bill not being my responsibility and the responsibility of my past employers insurance, my credit score would increase about the same amount that it went down. I also filed a few disputes regarding my credit score yet nothing was changed as they reported everything to be accurate. Its been 2 years now and I have been giving the benefit of the doubt but now I realize I was lied to and my credit score will not be going up after I was assured via phone call that it would. I should have never been sent to collections, I sent ALL documentation to workers compensation like I was supposed to yet Im the one that gets penalized for someone elses mistake.
Product: Debt collection

I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to XXXX and XXXX penalties. 
I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX