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

Consumer name : XXXX XXXX. Social security # XXXX XXXX XX/XX/XXXX this complaint is for all three credit bureaus XXXX, XXXX, Experian I have made multiple complaints about this company. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX under account XXXX, XXXX XXXX XXXX opened up XX/XX/XXXX under account XXXX XXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXXXXXX XXXX XXXX  opened XX/XX/XXXX under account XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a form I received from XXXX XXXX  account # XXXX that has my name incorrectly as well that need to be Removed from my credit report immediately as it is false information thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened a credit card with XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX. In fact, I never heard of them until they showed on my credit report around XX/XX/2022. I contacted them several times to inform them that the account is not mine and to remove it from my Credit Report. I also contacted the XXXX  about this issue and the business attempted to solve the issue, the account recently showed back up and I started getting mail from a collection agency XXXX XXXX XXXX about this account. THE ACCOUNT IS NOT MINE AND IT MUST BE REMOVED FROM MY CREDIT REPORT AND ALL COLLECTION MUST STOP ON THIS ACCOUNT. I already disputed the account with the collection agency and filled out an Affidavit. 

XXXX  Account Number : XXXX XXXX XXXX Collection Account Number : XXXX. 

This account is not mine and is a result of confirmed identity theft.
Product: Credit card or prepaid card

Hello im am writing to get assistance resolving a charge dispute for the amount of {$820.00} to my synchrony XXXX credit card. The amount reflect the cost of XXXX XXXX XXXX XXXX purchased through XXXX via a second party vendor XXXX XXXX XXXX The charge is in error due because the items weren't delivered nor received. 

I was tracking this purchase via XXXX website in order to make sure I was home when delivered, On the day of expected delivery XXXX a message was posted that the delivery was delayed and expected on XXXX. Next day XXXX I received a notification that it was delivered after midnight. After looking around my property there was no package and also checking my security camera during the time frame of so call delivery I was convinced it must have been an error message. I immediately contacted XXXX via the website chat on the afternoon of XXXX. At first they emailed the refund department to check on the return and issued me a refund.. After no resolution in their part I reached out again to XXXX  and was told to contact the seller because it appears that the items was delivered, I contacted the seller and he advised me that the refund was issued on XXXX to XXXX. Once again I contacted XXXX via chat and advised the that the seller issued the refund on XXXX in which they directed me to contact Synchrony bank and open a charge back dispute due to the fact I bought the items with my XXXX credit card. After contacting synchrony and opening a charge back dispute they concluded that im responsible for the charges because it states that the item was delivered. I sent them documents showing the sellers response writing that a refund was issued in the full amount and gave them access to my chats with XXXX but again they closed the dispute saying the item was delivered. According to synchrony because the item is labeled delivered they can not issue the credit. I tried to have XXXX and synchrony and the seller communicate with each other and resolve this issue but have no luck. This should be an easy resolution the seller admits the refund was issued I don't know what the issue is I sent every document concerning this to all parties. I even sent bank statement and XXXX receipt to show I repurchase the same set tire via XXXX ..This is pretty much my last resort to resolving this matter I've been dealing with this for 6 months I will include all documents sent to XXXX and synchrony with this complain and will await any emails concerning or requesting more documents from me.. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

Hello, I noticed that Comenity Capital Bank had placed several inquiries on my credit reports in the last 12 months ( XXXX, XXXX, XXXX, XX/XX/2020 ), which I did not apply or show interest to open a credit card with them nor authorize them to pull my credit information. 

And the most recent inquiry was a hard inquiry with prefix code ( XXXX ) on the XXXX credit report. I did not apply for the card or any other cards from Comenity Capital Bank. 

I called the company Customer Care Department and spoke to the Account Protection team at XXXX PST on XX/XX/2020 to confirm no active/pending applications with my SSN. Then I requested them to correct the inquiry on my credit report, they refused and told me to contact the credit bureaus. 

I found that Comenity Capital Bank is using my credit information in improper ways : 1. I did not give consent or submit an application to open their credit cards, how did they get my information? ; 2. They did not take responsibility to investigate further whether this is a fraud situation ; 3. I requested a way to stop using my personal information in the future, I was advised that there is no such policy in place ; 4. When I requested them to correct the hard inquiry, they refused to take responsibility - The Account Protection Rep was saying that they won't pull credit info without an application. I did not submit an application, if this is a fraud or someone is trying to submit the application on behalf of me, with my score is over 800, they should be able to open a new credit card account successfully. But, I only see new inquires from Comenity Capital Bank and no new accounts are opened. So logically speaking, this is more like Comenity Capital Bank just pulls my credit information in the last 12 months for marking purposes or for preapproval applications instead of identifying theft. It doesn't align with what their Account Protection Rep claimed that they will not pull my credit info without an application. They are trying to get more business and using my information in an improper way but refused to take responsibility to correct it. 

I suspect that Comenity Capital Bank has used my personal information for marketing purposes in an improper way. When I tried to look for further information, their reps just not educated enough to provide me any satisfied or factual answers. All I was told is to contact the credit bureaus directly, one by one, to find out and investigate the situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid in full the balance owed to midland credit management via a court ordered garnishment in XXXX. My last payment to fulfil the balance was XX/XX/XXXX23. I have disputed account as account paid in full, and the company declined mine request and noted on XXXX I failed to make a payment for XX/XX/XXXX2023 and XX/XX/XXXX2023 when that information is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX after my credit score dropped almost 60 points Navient reported my loans 90 days past due but I did a deferment. I was not notified by Navient before deferment ended. I submitted a dispute the same day Navient put a forbearance in place that I was not aware that I had available to me. On each loan with XXXX and XXXX XXXX I placed reporting wrong and in forbearance. Yesterday XXXX sent me a notification that my dispute was completed and Navient changed nothing and left all loans as is. I called XXXX and they told me to upload proof so I did. This morning I got another notification that another dispute was opened giving Navient another 30 days to fix it. I brought this to Navient attention yesterday and quickly they reported to XXXX XXXX that my loans were current. Also I called Navient about the Settlement list and they would not provide any information at all. I called the Sc Attorney General 's office in SC and got a call this morning stating I wasn't on the list and I have loans that were private and also loans for for-profit schools. And again Navient will not give me any information. I have had nothing but headaches with Navient since they were Sallie Mae. I did a rehabilitation in XXXX for Navient loans and was told by XXXX the guarantor that I could have those loans transferred to my other servicer who is wonderful but that never happen. For the damage to my credit I would like to sue Navient and XXXX. The loans for XXXX XXXX also belong to once was XXXX XXXX. In XXXX I believe XXXX XXXX switched the name to XXXX XXXX. I only had a few months left until I finished and they made me start all over again and take out loans for classes I already took. XXXX  XXXX took a numerous amount of financial aid from me and when my step dad passed I took a short break and when I tried to return I was denied entry. The dean said I had attended too many colleges???? I just attended there almost a year????? They were also a for profit school that closed down along with XXXX. My XXXX  XXXX loans are with XXXX I believe. I asked Navient for the forms for forgiveness on those loans and they stated they didn't have the forms and that if the school did not close I probably wouldn't get. I am so so upset and tired of Navient.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against Kinum Inc. for unlawfully listing a debt on my XXXX credit report. On XX/XX/year>2024 I checked my credit report and saw Kinum Inc has falsely stated that I have an open balance of {$5100.00} and that the original creditor is Kinum Inc. I have never owed any debt to Kinum Inc., nor have I had any accounts with this company. Despite this, they have falsely reported a collections account and a huge amount owed on my credit report and listed themselves as the original creditor. 

I have literally never heard of this company and when I searched it up they are listed in XXXX as " a debt collection agency in XXXX & XXXX  XXXX can recover funds owed to your company. '' If they are a debt collection agency how in the world are they on my report as if they've extended me credit??? 

This action by Kinum Inc. is a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681s-2 ( a ) : This section mandates that furnishers of information to consumer reporting agencies must provide accurate information. By reporting a debt that I do not owe and listing themselves as the original creditor, Kinum Inc. has failed to comply with this requirement. 

2. 15 U.S.C. 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. XXXX has evidently failed to verify the legitimacy of the debt reported by Kinum Inc., resulting in the inaccurate listing on my credit report. 

3. 15 U.S.C. 1692e : Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of any debt. Kinum Inc. 's false claim that I owe them a debt and their listing as the original creditor constitute deceptive practices under this section. 

These inaccuracies have caused significant harm to my credit score and financial well-being. I request immediate removal of the false debt from my XXXX credit report and demand that Kinum Inc. cease reporting this erroneous information. 

Furthermore, I seek an investigation into Kinum Inc. 's practices and request that they be held accountable for their violations of the FCRA and FDCPA. 

Resolution Sought : 1. Immediate removal of the erroneous debt listing from my XXXX credit report. 
2. Confirmation that Kinum Inc. will not report any false information on my credit reports in the future. 
XXXX. Appropriate sanctions against Kinum Inc. for their violations of the FCRA and FDCPA.

Please find attached copies of my credit report showing the false listing, along with any additional documentation you may require to facilitate this complaint. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reviewing my credit report and noticed an account had been charged off that was not familiar to me. I looked through my XXXX updates and saw an account was opened with ACIMA XXXX FKA SIMPLE with a balance of {$4800.00} on XX/XX/XXXX. My credit had been compromised in XXXX of XXXX and I contacted XXXX and had fraud protection placed on my account as a result of confirmation I was a victim of identity theft. Somehow someone was still able to open an account in my name in XXXX. The account was charged off on XX/XX/XXXX, for failure to pay. I filed a dispute with XXXX on XX/XX/XXXX. They advised on XX/XX/XXXX I needed to settle the dispute with ACIMA. I reached out to ACIMA via chat on XX/XX/XXXX. They advised because I was disputing the charges they could not help me. They told me before they could assist me, I needed to file a police report and then send a copy to the fraud department. I contacted XXXX and they advised I could file a report online as I'm out of town. I filed a report and received a copy on XX/XX/XXXX. I submitted that report to ACIMA. They responded via email saying because the report was redacted ( my personal information is hidden ) they could not assist me. They said I need to provide an FTC report and a copy of my ID. At this point I feel like they're giving me the run around. I am proceeding with the FTC report which has led me here.Any help you can provide in getting this issue resolved would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and found out that informs on my credit wasnt accurate. I did a dispute and Experian sent me back my results saying the accounts I disputed was verified. I then went to smalls claims court and filled a lawsuit for {$5000.00} and for tradlines to be deleted. Im willing to do a settlement offer if there willing to negotiate.
Product: Debt collection

Resurgent Capital Service was sent two certified letters requesting debt validation pertaining to a debt letter from them which was physically mailed to my residency. The letter stated I owed LVNV Funding Debt Collection for an unpaid XXXX XXXX Credit Card. I wrote back to Resurgent Capital Service, debt management agency for LVNV Funding asking both companies to validate the debt by mailing me a signed contract with my signature and their signature for conducting business with them as well as the ledger of invoices pertaining to the debt they are claiming from me.

I have not received the signed contract with my signature nor any invoices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Section 602 A. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address
Product: Credit reporting, credit repair services, or other personal consumer reports

After over 4 hours of phone conversations on 4 separate times about page 8 of my hard copy of my credit report. PDF versions do NOT show soft inquiries. 
1. Being told - can't file a dispute on soft pulls. 
2. Told the nasty comment on the soft pull has been changed to Account Review Inquiry. 
3. Told me there is nothing I can do to fix this nasty comment on my soft inquiry credit report. 

Original line reads " XXXX XXXX LA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX. 
The credit union above did an investigation with my phone call and said they did NOT do an inquiry to Equifax. They called Equifax and ask them to remove it. Equifax refused. 
Someone is using their name, XXXX, to try to obtain my credit file information. I have had a freeze on my Equifax Credit Report since the XXXX Breach. This doesn't stop soft inquiries. 

This is fraud! Equifax will NOT cooperate with me or the XXXX XXXX to do further research. 
Equifax did agree to change " LOSS MITIGATION '' to " ACCOUNT REVIEW INQUIRY '' What gives Equifax the right to change it to a less nasty comment on a fraudulent soft inquiry? Who is using XXXX 's name to get my file? Why does Equifax cooperate with illegal operations or a breach? 

I can NOT file a dispute with this type of fraud entry - why? Told over and over again, no disputes on soft inquires. There is no mention of XXXX anywhere else in my credit report. There is no other negatives on my report also. I have lived overseas for the last 15 years and have no need of credit from XXXX. 

What give Equifax the right to change it and why are they not required to investigate it? Does FCRA Sec. 1692 parts D and E demand investigation? Removal if fraud? Contact law enforcement for illegal breach of my credit file. 
I contacted two mortgage lenders who told me this entry has to be removed to process a mortgage application. Equifax is breaking the law, by not removing a entry on my hard copy mailed to me and not investigating it. The credit union also told me- Equifax would NOT cooperate with this type of soft inquiry entry to be removed. 

Equifax is clearly helping fraud and doing almost nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

a mortgage account was opened in XXXX for {$35000.00}. It was settled to {$28000.00} in approximately XXXX. I called the company, SPS to ask them to fix the mistake that was on my credit report, I was told ( as per the company ) that the account has been sold. However, it is now listed on my credit account as being owed at {$100000.00}. I called the company, SPS in XX/XX/XXXX and was told that it was sold to XXXX   XXXX XXXX. They are listing their original loan along with the XXXX XXXX XXXX loan in one account with an account number and amount that is not accurate. I complained to SPS and did not get assistance. They have yet to rectify the account amount with the 3 credit reporting agencies. The credit agencies have not removed the accounts from my report.
Product: Credit card

In XX/XX/XXXX I got a secured credit card from Wells Fargo with a deposit of {$4000.00}. I was told that this secured credit card would be turned into an unsecured credit period if after a year I had maintained the card in good standing. I subsequently got another secured credit card from XXXX under the same terms. One year later XXXX returned my deposit and upgraded my account to unsecured, but after 16 months, Wells Fargo refuses to upgrade my card and return my deposit. When I questioned the reason for the refusal, they say that my credit report does not meet the standards to upgrade the card, yet they wo n't tell me what exactly is required in order to upgrade - just that my account is unsatisfactory. When I escalated the grievance I spoke with XXXX, ID # XXXX with Wells Fargo Credit Card Executive office, he told me that he shared the guidelines with me and that 's why they could n't upgrade the card, but he did NOT share the guidelines, he refused to tell me what it was that was preventing the card from being upgraded, he only stated that it was unsatisfactory. I have no way to get this deposit back other than close the account, which will adversely affect my credit score. Wells Fargo will not tell me why they wo n't give my deposit back, but XXXX did without even asking for it. I have no recourse - I am at the mercy of Wells Fargo deciding that someday my credit might be good enough to have the deposit returned and the card upgraded to an unsecured card. Customers have no recourse and they refuse to tell me what the requirements are. What can I do to get them to return the deposit and upgrade the card, or at least tell me exactly what on my credit report is preventing this.