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

I am filing a complaint against XXXX, Experian, and XXXX for reporting inaccurate information on my credit report. Despite my repeated attempts to correct this, the incorrect data remains, significantly harming my credit score.

XXXX XXXX  : - Creditor : XXXX XXXX - Account Number : XXXX - Status : Voluntary repossession initiated in XXXX, closed since XXXX **Complaint** : - Credit Acceptance refused my voluntary repossession request in XXXX. 
- A court judgment was awarded in my favor, and the account has been closed since XXXX. 
- The account is still being reported as open and late, which is inaccurate. 

This continued misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ). I have made numerous attempts to correct this with the credit bureaus, providing necessary documentation, but they have failed to update my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some Credit cards that have not shown up on my credit as being paid on. When I contacted the companies, i.e., XXXX XXXX, I asked them why is it that you reported to Equifax I made my payment if XXXX but not the other two. The contract that binds between the credit card company and the credit card holder specifically states the credit card company will report to all three credit bureaus. This is not the only company I am having problems with. It is directly affecting my credit score. When I asked XXXX XXXX to show me and ask for proof that they did report to all three credit companies they refused to provide me with any proof.
Product: Credit reporting or other personal consumer reports

In my consumer report I have XXXX  reporting an account, I sent them an opt out letter and they confirm that they will not be sharing my nonpublic personal information anymore.
Product: Credit reporting or other personal consumer reports

This morning, I saw that my credit report had incorrect accounts, and I have no clue why. During my routine check, these discrepancies appeared out of the blue. I tried refreshing my browser, hoping it was a glitch, but the incorrect accounts didn't disappear. Because of this, I am asking for a detailed review of the documents Ive sent to avoid future worries.
Product: Vehicle loan or lease

I filed bankruptcy last year, and during the filing through the months of XX/XX/XXXX and XX/XX/2019, Fifth Third Bank, which is where my auto loan is through, wouldn't allow me to make a payment. I was then allowed to make my XX/XX/XXXX payment and have made every payment since. We hadn't heard anything from them since. A week ago my wife was contacted by Fifth Third and they told us that we had to payoff the rest of our loan or they were coming to take our car. I called them back and they said they wouldn't talk to me and I had to talk to a lawyer. Since then, we've had people calling nonstop, threatening us that they were coming to take our car. I have no idea what to do because we can't afford to make that massive of a payment and the bank won't talk to us other than telling us to pay them or they're taking our car.
Product: Student loan

I obtained a private student loan from Navient in XX/XX/XXXX for {$1400.00} to attend the XXXX XXXX XXXX at XXXX. I have been paying on this loan since XXXX and then attended school and restarted paying again in XXXX. Navient has been raising the interest rate on this loan every few months, making it hard to get the student loan paid out. I am currently at a 16.250 % interest rate. I believe Navient is providing unfair business practices. Here we are in XXXX, and I owe {$3000.00} on my XXXX Signature Student loan. It appears like I never paid on the student loan because they are constantly raising the interest rate. This is very unfair. Navient does not provide many repayment options for private student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX, and Equifax to verify the accounts thats showing on my credit report as negative. I have no knowledge of the accounts and every request has came back verified without a proper investigation. I asked for dates, balances, and signed contracts. I have haven't received any proper verification that the accounts belong to me. The accounts don't match up and some are all there with the same account number twice but a different balance. I'm just asking for a veritication for the following accounts listed. 

XXXX XXXX  Acc # XXXXXXXX XXXX Acc # XXXX XXXX Acc # XXXX Equifax XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX If after any reinvestigation under paragraph ( i ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress.

I first noticed the late open accounts issue. Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it.

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report.
If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$210.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$10.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$220.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$440.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$16000.00}.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM XXXX THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT XXXX, WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX  XXXX  OF DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I made a {$1000.00} prepayment for a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) using my Apple Card. XXXX later canceled the order on XX/XX/year>, after informing me that my temporary driver 's license without a photo did not meet their identity verification requirements. This critical requirement was not disclosed prior to making the prepayment. 

XXXX 's failure to disclose the necessity of a drivers license with a photo ID constitutes a violation of the Truth in Lending Act ( XXXX ), which mandates the upfront disclosure of all material terms. If XXXX had informed me of this requirement, I would not have proceeded with the transaction, knowing my identification was insufficient. 

Additionally, XXXX did not deliver any product or service in return for the {$1000.00} payment. As a result, I initiated a dispute with Apple Card under XXXX Reason Code XXXX ( Goods or Services Not Provided ) and the Fair Credit Billing Act ( XXXX ), which protects consumers from charges for goods or services that were never delivered. Despite providing all necessary documentation and explaining these facts, Apple Card denied my dispute without offering any explanation. 

I seek assistance in recovering the {$1000.00} prepayment due to XXXX failure to disclose material terms and the non-delivery of goods or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry placed on my account. This inquiry was fraudulent in nature. However I was able to contact the vendor who ran my credit. The vendor also agreed that this was indeed a fraudulent attempt and agreed to remove the hard inquiry from my account, even going so far as to email me an official letter stating just that. The inquiry was only made with equifax. I used the equifax online dispute tool to file for removal. A few days later i received an email stating that my dispute was completed. However, upon attempting to check the results i found myself locked out of equifax.com/dispute. I then called and was told that my dispute was COMPLETE and the item on my credit report in question will indeed stay present for up to two years. I then was told to have this removed I would need a police report as if the vendors letter and request was not enough. How is this so? Where is the protection for the consumer? I then asked the equifax representitive for documentation of the policy that states that i need a police report to have inaccurate information removed. Silence. I also asked for the process in which determined that this mark on my credit report was accurate and valid. The Equifax rep stated that there will be no investigation and that there was no investigation. So what criteria was used to determine the validity of this inquiry? Who decided? And why wasnt i asked for any evidence to support my dispute? This is highly unlawful and a violation of my rights in accordance to the fair credit reporting act. In addition to the lack of examination of my dispute i was also locked out of my own file restraining me from submitting a statement on my credit file. Another violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing inaccurate information with Experian Credit Bureau Agency and providing supporting documentation. They have failed to remove information from my credit report.This is affecting me getting employment in this time in XXXX where inflation is high. According to the FCRA Act, EXPERIAN is in violation of the law. I have provided them with supporting details use laws supporting my dispute that are in FCRA Act. I ask they delete this information from my credit report.
Product: Checking or savings account

On Sunday, XX/XX/year>, I received a series of emails from Wells Fargo that I had changed my password & contact information with them which I did not actually do. I immediately called them and told them that I did not initiate that change. I realized that accounts had been opened in my name when they asked which account I was calling about ( checking or savings ) neither of which I have with Wells Fargo. I informed them that I also received a phone call from XXXX XXXX XXXXXXXX on Friday about someone trying to open checking and saving accounts with them. Wells Fargo told me that they had closed the accounts but could not provide me with the date that they'd been opened or any account information. I was informed that no transactions had yet been processed on the account. Since it is the weekend, I will not receive communications from the fraud department until tomorrow ( Monday ). They would not allow me to change my email address back to the correct one without the account information.
Product: Student loan

I am unable to afford the monthly payments under my current income based repayment plan, so I have tried several times to submit the form on Mohela 's site to change my plan to the standard repayment plan. For any of my attempts I did not receive any update at all on the status of my requests. The only communication I receive from Mohela is that my account is now delinquent.
Product: Debt collection

This letter is to provide you with knowledge of intent to sue. 
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 
Over XXXX  days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within XXXX  days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Experian for violation of the Fair Credit Reporting Act and Defamation Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX Date openXXXX Account Number XXXX Reason for dispute_IDENTITY THEFT___ Account AmountXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.
Product: Credit reporting or other personal consumer reports

I have never approved those companies to run my credit and I was never approved for a credit card from them.
Product: Student loan

Excess payments are applied toward future payments and there is not a simple way to apply the payments toward principal reduction. I have contacted the lender as well as attempted to have the excess payments applied to no avail. The funds are currently held in " escrow '' and the loan is paid through XX/XX/XXXX which negates the purpose of what I am trying to accomplish. The lender told me that the excess funds would be applied toward the principal after a phone call but I found that was not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was Transunions problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted Transunion in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.
Product: Vehicle loan or lease

While I was XXXX from XXXX XXXX XXXX, someone utilized a fake Identity, to open a fraudulent auto loan account with Carmax Auto Finance XXXX When I spoke with the Carmax representative, they informed me the name that was used was a transposed verison of my last name, meaning the individual that opened the account used an ID that displayed a transposed version of my last name. My birth certificate and drivers license has only ever displayed my last name as XXXX.
Product: Credit card or prepaid card

On XX/XX/2018 I received an email alert from American Express stating my account was cancelled and closed. I immediately looked online to my account and saw over 10 payments returned as NSF. I then went and checked with my bank account which I had already had to dispute transactions with and saw none of those accounts had those payments trying to show as coming through. I started to look further and saw my other cards were compromised I then looked online at my credit report and saw many inquiries and I confirmed that my identity had been compromised. I then contacted American Express and let them know of the issue and was told since this has just started or that the account was just closed it would be more sufficient to wait 24-48 to appeal the closure and send in supporting documentation. I wanted to dispute the cancellation of my credit card as this mess was created due to identity theft. Not only with fraudulent payments being made but also fraudulent charges were also added to my account. I have attached the police report, FTC Affidavit and I printed the statement for the past three months and marked off the disputed activity.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to access my account so I could pay off my credit card balance. 

I was not allowed to login to the account. 

The website allows " guest login '' for the exclusive purpose of JUST PAYING the account balance. It won't allow me to do that so I am effectively blocked from paying my account which I am eager to pay so that my credit history will not be damaged. 

If Syncrony Bank does not want me as a customer that is perfectly fine, but at least they should let me pay my outstanding balance.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and found that I have accounts opened in my name and two collection I was only XXXX at the time these accounts where open and I did not give my consent nor did I open these accounts. I contacted all three credit bureaus and they verified the information as true. The following accounts I did not open and they are either fraud or someone else information is on my credit report. The following accounts need to be removed and investigated as soon as possible. 
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 I reached out to all credit bureaus and they sent back information being verified without information on how it was verified because I don't understand how that can be so because I did not open these accounts.
Product: Credit reporting 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items 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 are the following items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any 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: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}