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

XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX These accounts are all fraudulent accounts opened in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when my identity was stolen and being used to open fraudulent accounts. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. My only address should be XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. When I came home it was to my home address of XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

Spoke to 3 different reps, the first one was rude right off the bat and yelled at me. The second one XXXX seemed like he wanted to help while talking to him then he put me on a 45 minute hold period so I can try to figure it out. Called back and spoke to my collections rep XXXX who was very rude, told her to not call my job and she told me well how are we suppose to get the funds? I told her under the fair debt collection law if I saw dont call a number you cant call for her to say ok Ill put down you refused to pay. I told her Ill keep calling because I did not say that. I called back and was transferred back to her I correct her on his mispronouncation of my name for her to say is very sarcastic back and how me telling her not to call my job wouldnt do no good. Told her I wanted to speak to XXXX but told me he was busy then she eventually transferred me over to him. Told him how extremely rude she was and all he said was ok Im sorry. Told him someone needs to go over customer service skills with her on how she talked to me, for him to get loud/yell at me and tell me Im wasting my time talking to him and I need to be figuring out how to get the money I owe. Then I told him not to call my job either and under the fair debt collections act you cant call if I say so for him to get loud/yell again. Told him I was going to talk to a lawyer because I feel like my rights under the collection act have been violated he said how are you going to get a lawyer if you cant pay us back and he can tell Im the type of person to owe them money. Told me I owe a little over 1400, told him I only received a letter for XXXX and wanted proof of the XXXX. XXXX told me he would email it to me, gave him my email never received anything.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX contacted me regarding a collection debt for monies owed to XXXX XXXX XXXX XXXX for an account I cosigned ( I was informed all amounts due on the account were paid in full ). I responded on XX/XX/XXXX in writing to verify debt and never heard back later learning they reported me to the credit bureaus. I contacted them and they acknowledge receipt of letter with 30 days but did nothing to verify. On XX/XX/XXXX I received a letter from National Recovery Agency ( XXXX XXXX XXXX, XXXX, PA XXXX ) providing an itemized bill which did not show what was owed clearly. I sent them a letter on XX/XX/XXXX requesting back-up to verify amounts on the bill that were not clearly valid. I have never heard back from them to date and learned they reported me to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I mailed a request to XXXX and XXXX  I havent received any documents back about the in accurate account not mine being removed theres no proof these are accurately my accounts. 

Convergent {$350.00} reporting from XXXX and XXXX Mailed dispute to XXXX. 

I have mailed dispute to XXXX  and still reporting XXXX Merchants Credit {$150.00}.
Product: Credit reporting or other personal consumer reports

XXXX has failed to full fill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has filed a lawsuit against experian alleging systematic issues such as failing to forward consumer provided information to furnishers, accepting unreliable responses and failing to notify consumers or responses. These failures align with my experience with experian. XXXX has not corrected nor removed any of the mis reported accounts or information. I am requesting immediate removal or amend the disputed accounts and information as experian inaction violates federal law and violates my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/24 there was an inquiry made on my credit report from a XXXXXXXX XXXX in XXXX and also Chase Bank for a credit card that was not done by me. I have reached out to both companies to have inquiry removed and to put a stop to applications. They granted the termination of application, however, they said they can not remove inquiry from my credit report
Product: Credit reporting

In XXXX 2015 I applied for a mortgage. This mortgage company ran my credit multiple times resulting in several " Inquiries '' on my reports with all XXXX major credit bureaus. Same thing happened with a car dealership they ran my credit XXXX times with in 2 days resulting in XXXX " inquiries '' on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX and 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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has taking about two weeks to finally receive a copy of my consumer report from Early Warning. I looked over the report and saw that there are two inaccurate accounts being reported on the consumer report and there are a large amount of inquiries from various banks. Two years ago I asked them to put a freeze and a security freeze on my consumer report to stop this but apparently they didn't abide by my wishes and I again have fraudulent reports on my consumer report. I sent in a dispute on XX/XX/19 and today XX/XX/19 I received a letter from Early warning stating that the dispute that I sent over will not be recognize as a dispute because each item you dispute must have a seperate dispute letter. I am livid because it is always something with this place that keeps you from being able to dispute or obtain your consumer report in timely manner and also in the manner that you want to receive like via email. Please just remove the two items that I requested to be removed and put the alert on the report and stop with all the deflections and nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter stating that my information was compromised back in XXXX with the division of family services. i reached out to credit beauras and i was told that all had been verified. credit inquiries are still showing up and i have put a fraud alert on my credit. they keep running my information through the same companies, seeing that its really hurting my credit..
Product: Checking or savings account

I submitted an application to open a checking account. The bank sent me a card and I activated it and started making deposits. I deposited {$470.00} in total. 

However, the account was locked because I apparently had not submitted some additional documents - Social Security card, utility bill. Unfortunately I need to order a replacement social security card and won't have a utility bill with my current address for a few weeks since I just moved. 

So I called Citibank and asked if I could just close my account and get my funds back since this was really too inconvenient for a bank account that was supposed to be a convenient way of tracking weekly spending. They said I could go to a branch and close the account and receive my money. 

I did that and the bank refused to give me my money, claiming that they would not distribute my funds until I provided my social security card and a utility bill. 

I believe it is patently unjust that an account would be active enough to accept my despisers but not active enough to give me access to my funds. I just want to get my {$470.00} back and be done with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is Reporting fraudulent Addresses on my credit report.
Product: Credit reporting or other personal consumer reports

I did not receive the credit " boost '' as promised after downloading the app and instead got unsolicited offers. I still haven't received the credit boost as promised.
Product: Credit reporting

NAVIENT is in direct violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My complaint is very simple, once I am granted a deferment on any student loan, NAVIENT automatically reports the account as 90 days late. Now how can that be without a 30 and 60 day late payment history before it. It 's because NAVIENT uses the credit reporting system illegally, using it as a means to destroy a person 's personal credit history without merit or recourse. This practice has been consistent for decades, and I will seek private counsel to file suit if necessary. My student loans are now and have been in payment deferment since I obtained them. 
NAVIENT IS VIOLATING MY FCRA AND FDCPA RIGHTS. I DEMAND A CFPB INVESTIGATION ON THIS ABUSIVE CREDIT REPORTING PRACTICE TO CEASE THIS ACTIVITY ON AMERICAN CONSUMERS!!! 
NAVIENT MUST DELETE ALL NEGATIVE CREDIT HISTORIES ON ME IMMEDIATELY AND PERMANENTLY!!!
Product: Payday loan, title loan, or personal loan

I opened the account upon recommendation from XXXX. I used the line of credit to payoff some expenses, then paid by balance off in full in XXXX. A week later, I received an email from the company showing a balance of {$76.00}, I called and spoke with a representative who told me " on a recorded line '' they would waive the balance and close my account, per my request. I continued to receive emails regarding the balance and continued to contact them. They claim they listened to the original call and I was never told the interest would be waived. I said then confirm closure of my account as my bank account was already drafted for the charge. I was told by multiple representatives it would be closed. then I started to get emails again regarding a balance due of {$1.00}. So the cycle of emails and calls to the company began. I contacted my bank and they have blocked all further withdrawal authorizations from Upgrade. As of today, my account is still open against my request and they continue to charge interest. I want this to stop.
Product: Credit reporting or other personal consumer reports

Im requesting to credit bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 different unauthorized credit pulls. 
1- Capital One Auto Finance XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time 2- XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls 3XXXX Amps/Route XXXX XXXX XXXX Every time I called I was placed on hold and. 
Nobody picks the phone up. 
XXXX XXXX XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
XXXX XXXX mortgage XXXX. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX, XXXX XXXX does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX during Covid 19 Pandemic was not able to make online payments on my mortgage, due to problems with the lenders online platform. I instead made payments by check thru certified mail. I have spoken with lender multiple times and they do not correct the error on there behalf. I still do not have access to my accounts online, and I am now suffering from the negative reporting that should had never been on my file to begin with. I was told that the late payment was going to be removed months ago. 

Transunion : XXXXXXXX XXXX XXXX  Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 XXXX : XXXX XXXX XXXX  Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 XXXX : XXXX XXXX XXXX  Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/ 2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Owed : {$240.00}, XXXX XXXX Balance XXXX : {$0.00}, XXXX XXXX Balance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall XXXX XXXX information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

According to 15 USC XXXXC you have violated my rights by unlawful communications please remove this collection off my credit report Thank you.
Product: Debt collection

I received a collection notice from FCS First Collection Services for XXXX ( XXXX ) for {$260.00}. I have n't been operating my business for the last 3 years. I regularly advertised with XXXX XXXX while I had my business and paid that bill monthly. I never advertised with XXXX.
Product: Checking or savings account

On XX/XX/XXXX I received a call from someone posing to be a USAA associate. They called from USAA 's phone number ( XXXX ). They told me my checking account had suspicious activity and needed me to verify my account. I proceeded to verify by giving them my account password, not knowing they were scammers. Immediately I logged in to see what was going on. Scammers then told me to give them XXXX business days to investigate. So the next day I checked my account again and it was - {$10000.00} and that's when I called USAA and reported it. USAA told me I was scammed and that they needed to investigate. So XXXX days passed and they called and told me that it was my fault because I gave them my phone password. I told USAA that they called from your number so I thought it was USAA. I am a XXXX XXXX  who gets XXXX pavements from the XXXX XXXX and the XXXX. So the XXXX of XXXX, USAA held my XXXX payments to put towards the XXXX. I feel that this wasn't my fault because the scammers called from USAA number. If they would've called from any other number I would've known I was being scammed. USAA also didn't put the checks on hold when they were deposited and the checks were pretty much blank. The scammers only filled in the dollar amount and scribbled a signature. I also believe USAA shouldve seen that this was bogus and stopped the transaction, instead they let it go through. They are talking about closing my accounts and making me pay back the money the scammers stole from them. USAA sent me copies ofthe checks that will I attach. I also filed a police report with NY State Police. I need your help in trying to overturn their decision and get my XXXX payments back. 
( XXXX ) XXXX. Call me if need be. I was trying to upload documents but the file was too big.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
Product: Credit reporting or other personal consumer reports

I am being ignored and the FCRA is being disregarded. I have sent my formal notice regarding information that is being reported about me that is inaccurate and has not been fully verified by physical documentation as I requested.
Product: Payday loan

I received a {$500.00} loan from Kickstand Lending that was deposited into my checking account. I called my bank and them right away. They agreed to remove the {$500.00} from my account and stated they would remove the fraudulent inquires on my credit reports. All but XXXX has removed the inquiries. This is very degrading on my report! I have no reason to ask for a payday loan and do not want that reporting as it is fraud. I filed a few complaints with XXXX about this and they have yet to remove it. I have great credit and charge and pay my bills. I do not want my creditors thinking that I 'm asking for a cash loan of any kind. 
Can you please help me with this? I would really like it removed completely from my XXXX report. You can check to make sure it is fraud. I greatly appreciate all of your help in the past and in the future. You 're doing a great justice for many! 
I can also supply my bank statement with this deposit if necessary. 
Thank you. 
Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent lvnv funding A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. LVNV funding is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to LVNV funding not ceasing communication through all mediums
Product: Credit reporting or other personal consumer reports

this account was reported as my but its not, I've tried to contact them many times without respond
Product: Credit reporting or other personal consumer reports

Submitted multiple disputes through Experian with no change on the inaccurate account negatively impacting my credit. The account should be deleted. Also have court documentation this is an ex spouse responsibility and that I as the petitioner that Petitioner shall be held harmless on all of the debts set aside to Respondent in the original Judgment.