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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number : XXXX Reference Number : XXXX Dear XXXX XXXX XXXX  XXXX I am writing to formally dispute the debt that you are claiming I owe. I request that you provide the following information for verification and validation of this debt : XXXX. **Purchase Agreement** : Please provide a copy of the original purchase agreement between you and the original creditor showing the transfer of the debt. 
XXXX. **Cancellation of Debt** : If the original creditor has canceled the debt, please provide documentation to confirm this. 
XXXX. **Chain of Title** : I request the full chain of title for the debt, including any assignments, sales, or transfers from the original creditor to you. 
XXXX. **Payment History** : Please provide details on when the last payment was received on this account, including the date and amount of the last payment. 
XXXX. **Judgment** : If there is any judgment against me regarding this account, please provide documentation to substantiate this claim. 
XXXX. **Statute of Limitations** : Kindly confirm whether the statute of limitations on this debt has expired. If it has, I request that you cease all collection activities immediately and update any credit reporting related to this account. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information and expect a prompt response. If you can not provide adequate documentation, I request that you cease collection activities and remove this account from my credit report. 
Please consider this letter a formal request for all communications regarding this matter to be in writing. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

In XXXX I attempted to make an online account with Experian. I found that an account was already created under my name and SSN fraudulently. I have spent the last XXXX months trying to get this resolved. This is preventing me from opening new credit applications, new loans and most importantly refinancing while also allowing someone else to use my name fraudulently. I have called over XXXX different times over the last XXXX months with little to no progress made. All the information I have is that my SSN and name was used to open the online credit managemnet account and that there is a " XXXX XXXX '' XXXX account created as well. Below is a log of interactions with Experian for case number XXXX XX/XX/XXXX I called and explained the issue to experian. I was asked to mail or Fax a my a copy of my license, proof of address and a letter with my case number describing what the issue was and how it should be corrected. I faxed the info immediately as I was told it was quicker than mail in. This took a multiple tries because I was given the wrong Fax number the XXXX time. 
XX/XX/XXXX I called to check on the status of my claim and they told me they received no documents and I should submit them online. This was not given to me an option the first time. I uploaded immediatly. 
XX/XX/XXXX I called to check on the status again and was told the claim was closed ( but not resloved ). They could not tell me why it was closed. 
XX/XX/XXXX called again. Case closed again. Was told they needed my SSN card copy which was new information to me. I submitted this online immediately. 
XX/XX/XXXX called again, no progress made. They escalated the case. Was told XXXX hours would be resolved possibly XXXX due to holiday. 
XXXX Was told case was closed. " Account already exists and can not create a new one. '' Informed them that's not what I need and the letter I submitted stated that. I was hung up on. I contacted the BBB. 
XXXX Called again. Was given a new number for the fraud department ( whom I had already spoken with multiple times before ) and transfered to them by the membership department. XXXX departmnet told me nothing could be done until the savings account associated with my name was deleted by the membership department. Membership told me they could not do anything until the XXXX  department reviewd and updated my information. 
XX/XX/XXXX Called again, no update given. Was told there is no timeline. 

As you can see the staff are not coordinated and all give different information showing they are unorganized. As mentioned I have called over XXXX times and I have had probably XXXX different conversations showing there is no consistancey to their agency. Additionally, I have to go through an automated phone system for multiple minutes everytime to reach a person to help me. I have frequently been hung up on and/or transfered to an automated system that hangs up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems , Inc . Spoke with XXXX XXXX at XXXX. 

I received an alert from my credit monitoring company on Friday, XX/XX/2022, that an update to my credit file was available, when checking my account, I found that National Credit Systems , Inc. had placed a collections account on my credit file, which instantly dropped my credit score by approximately XXXX points. I contacted XXXX XXXX and explained that I had received calls and letters from his company and spoke with them and told them and XXXX XXXX that this account was not mines. I explained that I have only lived in XXXX  and that my daughter, resides in XXXX XXXX and that we do have the same first and last name, but our Social Security numbers are not the same. XXXX XXXX stated that the leasing company XXXX XXXX hired National Credit Systems , Inc. to collect the outstanding lease balance due and gave him information with my name, social security number, address and phone number. He also stated that my daughter used my social security number to secure the lease property. He stated that he could not provide me with any documentation that shows that her application for this lease that was applied for and approved on-line, but that my daughter needed to contact the leasing company. I told XXXX XXXX that I am familiar with skip tracing practices and that is the only way that he could have tied my personal information with that of my daughter based on us having the same name and that she once resided in XXXX. I asked XXXX XXXX to supply me with documentation that proves that my daughter used my personal information on line to be approved for this lease and he stated that he did not have anything from the leasing company other than my personal information. XXXX XXXX asked me to supply him with a copy of my Driver 's license, Social Security Card and Credit Report. I did not feel comfortable submitting any documentation to him, because it is not my debt. XXXX XXXX told me that I only had two choices, one was to pay the debt myself and try to get my daughter to own up to the fact that she used my identity, or to file a fraud/felony report on my daughter and threatened that she would be arrested and prosecuted. XXXX XXXX could not provide me with any documentation to prove that my personal information was used to apply for the rental home. Again, I believe that some sort of skip tracing was used to trace the aforementioned to me and my personal information. THIS IS NOT MY DEBT AND I WANT THIS REMOVED FROM MY CREDIT REPORT. I AM A XXXX XXXX AND I FEEL THAT SCARE TACTICS WERE USED BY XXXX XXXX TO TRY AND GET ME TO PAY FOR A DEBT THAT IS NOT MINE. HE EVEN TRIED TO GET ME TO PAY BY CREDIT CARD STATING THAT HE WOULD REDUCE THE AMOUNT OWED BY {$2000.00} IF I AGREED TO PAY THE DEBT. PLEASE INVESTIGATE AND HAVE THIS REMOVED FROM MY CREDIT REPORT, BECAUSE THIS IS NOT MY DEBT!
Product: Student loan

due to history of unfortunate and unknown lack of management of my loans due to ex-spouse failure to pay my loans were neglected for years and accrued penalties and interest resulting in approx.  XXXX  in owed loans. I have been in an IBR with  XXXX  for over 10 years and head regularly and timely paid my monthly payment. I did not believe the total amount of the loan was correct and have spend hundreds of hours with attorney, investigating and working with the  Ombudsmen pr ogram to determine if i the penalties and interest accrued could be correct. I am a   XXXX   XXXX   XXXX   and as i make more income i become increasingly unable to manage the loan payment. The ombudmen program suggested i consider a  DIRECT r epay loan which would cap at a lower monthly amount. I was told to look at the student.gov site and  pick one. I want ed to determine all options and requested loan information  from Navient .  I fill out online and received two notification with loan repayment three times the amount of my current payment. I asked Navient on my calls if  i was under any obligation for the loan, as i was just reviewing all options and was told NO. I made a third call this week to inform that i still was unaware of what the payment would be under this payment plan compared to my prior plan and they were still computing the amount having finally received my pay stub. When i spoke to the Navient rep i informed that I had had 9 years of payment in my other plan that went toward the 25 year forgiveness which i now lost. I to ld Navient that i did not sign for the loan but was simple inquiring on options and they informed that the online application was binding and i had 10 days to cancel this consolidation. I was misinformed by both us.gov and Navient and need assistance in canceling this conversion. I will now re=start 25 years toward forgiveness for a loan that will never get paid due to the amount and type of payment plan. I am diligently trying to manage this debt and have reached out to congress and other legislatures to review the laws that do NOT protect the borrower. Pl.ease let me know how i can receive some assistance with this loan that I did not intent to commit to and was intentionally misinformed.
Product: Credit reporting or other personal consumer reports

Experian Credit reporting agency. 
1. I am not able to obtain nor reset my Password to their website. There is NO human I can talk to either to resolve this issue.

2. there are Social Security # variations listed on my credit report that are not mine. These need to be removed. There is no one to speak to at Experian, so I am stuck.

3. there are phone # 's listed on my account/ under my correct SS # that I have never used nor been associated with - those need to be deleted.

4. there is work history stating that I have worked at XXXX  XXXX, which I have never worked at, This erroneous data needs to be deleted/ cleaned up. Of course there is no one to speak with at Experian, so i am hitting a brick wall. 
All other Credit reporting agencies have an easy way to fix these issues, but Experian does not unfortunately. 
Thanks for your help, XXXX XXXX XXXX XXXX cell XXXX
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE FRADULENT ACCOUNTS ON MY CREDIT REPORTS
Product: Credit card or prepaid card

RE : Acct XXXX Synchrony Bank / Steinmart Credit Card Dear Sir or Madam : I have been trying to get a resolution for over 6 months on a fraudulent charge. Last time I spoke with a customer service representative with Synchrony, I was told to " Just pay it ''. I did not make the charge and can not get anyone to help. Please see my synopsis below : I am writing to dispute fraudulent charges on my account in the amount in the amount of {$200.00} on XX/XX/XXXX. 
I did not make these charges. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
I am listing the calls I have made to your fraud department trying to rectify this situation. 
XXXX XXXX reported fraud to my account XX/XX/XXXX called again XXXX, XXXX, XXXX XX/XX/XXXX ( on or about ) I also went to Steinmart in XXXX, TX on the XXXX and XXXX of XXXX and spoke with XXXX ' the assistant manager. She was going to 'look into it ' for me. I have not heard back. 
XX/XX/XXXX Received a letter from Synchrony banks stating they had closed my account and notified the major credit bureaus. 
XX/XX/XXXX Received a letter from Synchrony Fraud Team stating " I had accepted responsibility for the charges ... .I had benefited from the purchase ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and requesting the following fraudulent inquires to be removed from my credit profile. These fraud inquires have were never authorized by me. XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back in XX/XX/2018 & XX/XX/2018 I was having financial hardships and unable to pay my bills due to being out of work ; therefore, causing my late payments. The job I was working at the time was seasonal. 

My card was activated in XXXX of 2018, and since that time I have had 28 on-time payments. I've also maintained a more permeant job position.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : 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. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/1995), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Mortgage

I am XXXX XXXX XXXX, I passed out and could not make It to work so I was fired. While I was trying to look for work covid happened. I was on forbearance for XXXX because of my health and I am a single mother. I work in the health section so I was really scared to step out. I was married but he never paid a dime in my house. He was on the mortgage. I needed is signature for partial modification but he refuse to sign it. I filed for divorce he claimed he wanted my house to be foreclosed. He did everything and still doing so I can lose my house. I took him to court the judge awarded the house to me and gave me 1 year to remove his name. My credit is very bad at the moment because of all the late payment. I am back to work now but I still needed assistance to save my home because it in foreclose with the bank.
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 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: Money transfer, virtual currency, or money service

I AM FEELING A COMPLAINT AGAINST CASH APP ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken auto-loan from firsttech credit union in XX/XX/XXXX. I had auto-pay set to my Auto-loan account since XX/XX/XXXX. While auto-pay worked for a year, it failed for the month of XXXX XXXX. The reason being my first tech savings account ran out of money. I was not notified by the firsttech for any auto transfer failure or payment missed in my loan account for 3 months. After 3 months i learned about this when my credit score dropped by XXXX pts and then mail came from firsttech at the same time that i have been missing payment from 3 months. I emailed to Firsttech on XX/XX/XXXX that i had not received any communication about missed payment or late fee until 3 months. At the same time I pre-payed my auto-loan to reduce the balance loan as well as paid the account balance to make it current. On XX/XX/XXXX the auto-pay also started going to the loan account for remaining balance. The auto loan account status was current by XXXX XXXX. 
In response to my complaint Firsttech sent email on XX/XX/XXXX that they filed a dispute and i should get report in 30 days. I later got a letter that they can not revert the late payment from my account. On XXXX despite the loan account being current my credit score dropped again by XXXX in XXXX report stating Auto-loan account is 30 day late and Auto-loan balance increased despite of me pre-paying the principal. I contacted Firsttech by phone to report the same to which they told i should contact the credit union. I filed dispute to XXXX via XXXX XXXX account as well. I don't know which institution XXXX or Firsttech are wrong but despite my compliant to firsttech and dispute via XXXX XXXX wrong reporting is done. Both XXXX and Firsttech should be in sync about the current state of my auto-loan account.
Product: Credit reporting or other personal consumer reports

Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by me.
Product: Credit reporting or other personal consumer reports

After being contacted numerous times by the creditor seeking an alleged debt which is against the law and violates my right of privacy, I've then reached out to them asking them to verify the debt with the proper documentation. The documentation that I asked for included signed signatures and agreement between me and the creditors in which failed to provide me. I have no knowledge of the creditors seeking this debt in which they unlawfully reported to the credit reporting agencies. Equifax is reporting this account to my consumer report but the accounts and information listed in my dispute letter does not belong to me nor have the permission to be reporting. I am aware that in order for any account or information listed on a consumer report must. be verifiable and accurate ion which these accounts aren't. By Equifax reporting this inaccurate information, my credit score is being negatively impacted which impairs with my ability to obtain housing or funding or have any potential relationships with banks or lenders. I am asking that Equifax investigate my dispute letter and remove any information that's not verified or accurate. I understand that consumer reporting agencies. must do what's fair and equitable for the consumer in which them reporting information that has no legal right to report isn't fair nor equitable for me. Never id Equifax have the right to furnish a consumer report on my half which is a violation. Attached to this complaint is a copy of my dispute letter with the accounts and Information that I'd like removed from my consumer report. 

Violations committed by Equifax and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit it 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Student loan

XXXX XXXX placed my loans in deferment because I was returning to school for graduate education. However, I never requested this change. I was not asked to accept or decline this change. Therefore, for the last three months, my auto debit stopped and extra interest has been accruing. I would like something done because, if I allowed this issue to continue longer, the accrued interest could become significant.