23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by XXXX XXXX XXXX XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. XXXX placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report. 

On XX/XX/XXXX I was contacted by AFNI Collections about the same {$1200.00} fraudulent XXXX account. It appears the XXXX resold my debt after they received proof that it was fraudulent.
Product: Credit card or prepaid card

Conflicting fraud Investigations and lies from their investigators. Credit report correction. 
Since I found this random credit card account describe as SYNB/PPC on my credit report, I did some research to find out what exactly was the origin of this account. I come to find out that this is a PayPal Credit Card that was supposedly open in XXXX. The account has no balances or anything. However, the issue here is I never once sign any documents or given my information for a credit card for a paypal credit card. I immediately informed the credit bureaus that this was fraud. After Synchrony bank completed their investigation. They sent my a letter XX/XX/XXXX that informed me that they would be closing this account and removing this from the credit bureaus. Ill attach this letter with this post. Everything seems to be going well with the credit bureaus flagging the SYNCB/PPC account as fraud and removing it. However, a few days letter I get another mail that says that they are unable to approve my claim because I accepted responsibility for the charges???? Never have I once signed or spoke with anyone where I stated that I accepted this account. Just more lies from this bank. Second they stated that I failed to cooperate with their investigation which is another lie since they never reached out to me or anything. I called them on more than one occasion and they informed me that the investigation is on going and they will give me an update. Lastly, which XXXX me off the most, the letter stated I knowingly released the account information which is again not true since I have no idea what the account number for this fraudulent account. To their credit, they did closed this account which is a good thing. However, at this point they need to follow through on their original conclusion to this claim since they have no proof or any documentation that I opened this account. This has become frustrating and I will consider contacting a lawyer if this is not resolved.
Product: Credit reporting or other personal consumer reports

I was offered a loan to pay for this car monthly in 2019. Although, I made a down payment I did not give permission to this company to add this on my credit. By law they need my permission to add anything on my credit report from law FCRA section 605 ( b ).
Product: Debt collection

Collection Information Bureau reports to the credit bureauan account for {$36.00} and {$70.00} unknown to methereby preventing me to get a mortgage and forcing me to pay the debt
Product: Credit card

I received a letter in the mail from a collections agency regarding a past due amount of XXXX on my Macy 's account serviced by Department Stores National Bank. Upon review of my previous statements by loging in online I saw that my last purchase was in XX/XX/XXXX. At this time I called Macy 's customer service department to determine why I had not received any bills or notices of a delinquent account. I was told I was signed up for paperless billing and that my e-bill 's had been sent but rejected by my email. Every subsequent bill was therefore sent to this same email and was also not received. So after 6 months of being past due, with late fees and interest incurring, my bill was sent to a collection agency. I continued to receive coupons in the mail as well as coupons in my email but not bills. Not once did I receive any written communication in the mail, a bill in the mail or a phone call. I was told by the customer service agent that I would now have to settle the debt with the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Debt collection

On XX/XX/XXXX, I moved out of New York and notified National Grid to close my account at my previous residence in XXXX, NY. I assumed my account was closed, as I no longer resided at the property. 

In XXXX, I began receiving notices about an outstanding balance. I contacted XXXX XXXX and informed them that I had moved out in XXXX and was no longer responsible for the account. However, they failed to properly investigate and continued reporting a balance. 

Now, Transworld Systems has started collection efforts for a {$6300.00} debt that I do not owe. Despite my dispute, they have failed to provide proper debt validation, which is required under the Fair Debt Collection Practices Act ( XXXX  ), XXXX XXXX Code XXXX. 

I have provided proof that I moved out in XXXX, including my Georgia drivers license ( issued in XXXX ), my lease from XXXX, and a Social Security letter from XXXX, yet both National Grid and Transworld Systems have continued collection efforts. 

Additionally, during the XXXX pandemic, utility disconnection moratoriums XXXX have contributed to this billing error by allowing charges to continue accumulating after I had already moved. 

I am requesting CFPBs assistance in ensuring that : ** XXXX XXXX and Transworld Systems provide full validation of this debt. 
XXXX efforts are stopped if they can not prove I am responsible. 
Any inaccurate reporting to the credit bureaus is removed. 
I have made multiple attempts to resolve this, but neither company has provided a valid response. I now seek regulatory intervention to correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I sent my first dispute letter to Experian to dispute two fraudulent accounts that are on my consumer credit report. After sending three more dispute letters in the months of XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian has yet to furnish copies of an original signed consumer credit card application with my signature. This is a violation of the Fair Credit Reporting Act which I have notified Experian that this company is in violation of Section 609 ( a ) ( 1 ) ( A ) states, '' the credit reporting agency is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a consumer 's credit report ''. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I am asking that the Consumer Financial Protection Bureau intervene on my behalf to have these two fraudulent accounts removed from my consumer credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with Shellpoint mortgage. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from Shellpoint for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info.
Product: Credit reporting or other personal consumer reports

Remove all inquiries on my credit report not attached to any accounts. 
Also requesting from the companies according to FCRA to pay {$1000.00} per inquiries on my report. 

XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THIS IS MY 2ND AND LAST REQUEST TO THE CRA 'S REQUESTING THE INACCURATE AND INCOMPLETE INFORMATION DELETED. ISENT MY LAST LETTER ON XXXX TO TRANSUNION, XXXX, AND XXXX AND I HAVE NOT RECEIVED ANYTHING FROM THEM CONCERNING MY REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have had identity theft. I'm not sure the reason behind this but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items as soon as possible.
Product: Credit reporting

As of XXXX XXXX, 2016, FICO lists my credit score as over XXXX, but today, XXXX XXXX, Experian lists my score at XXXX which is not correct. I have an excellence payment record for years now, but I can not understand this problem with Experian and am making a formal complaint about it. The score should be more in line with the FICO score.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Debt collection

Today XX/XX/XXXX XXXX XXXX location services called my parents house. They are calling on behalf of Barclays cars who has my information but they did not call me. They are reaching out to family that I do not live with. They harassing my family and harassing me. They are giving out my information. Phone number is XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX  and we are all on board to short sale but need time to process the offers and market it to be sold. Please don't allow parents hard work be taken, we are cooperative and sending in all docs to help facilitate a short sale with XXXX XXXX
Product: Credit card

I have a charge off on my redit report for {$4.00} from XXXX. thisi s a XXXX XXXX card thru SYNCB. this {$4.00} shows late XXXX days. I can assure you I pay my XXXX credit cards off monthly with a much bigger balance. this is abusrd that I am being penalized for never recieiving a statement. Once discovered of course Immeidaltely paid this {$4.00} charge. However, I am now looking to purchase a home and this {$4.00} is hurting my FICO score. I am asking the creditor to DELETE this charge off from my credit and send notice of such deletion to all XXXX bureaus. Ihad no idea I had a charge off ever filed against me until XXXX XXXX XXXX pulled my credit. I feel completely mislead and taken advantage of for a mere {$4.00}. the charge off is showing PAID however becasue of the category of charge off my fico score is down XXXX points. I want this rectifed ASAP!
Product: Student loan

This is the second complaint I have filed against Sallie Mae. I took out several loans between XXXX to attend school overseas at XXXX University. After studying I was married and moved overseas once again with my husband for the military. Finding work here is scarce and we are relying solely on a single paycheck. I have now been dealing with attempting to repay Sallie Mae since XX/XX/XXXX, I am clearly frustrated and at loss of what further action to take! I have been attempting to make payments which have been reversed/not accepted and my total balance and interest are constantly increasing to unreasonable heights. After being forced into forbearance multiple times, and paying hundreds of dollars that will never be applied to my loans, I am now being threatened with the default of my loans. I have asked numerous times for the amount to be reduced to an achievable payment and this request was, of course, denied as well. This company will not work with me, only against me, and I am feeling quite out of options at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and made a police report and I have disputed more than 15 accounts that do not belong to the 3 credit bureaus but I experience it is the only company that has not eliminated these accounts, I have been sending you a police report for more than 6 months personal information and they say they can do nothing if the creditor does nothing and that the creditors confirm that it is me. I have called the creditors but they say that they do not receive anything from Experian to dispute the account and that they do not have to certify to Experian that I am the owner of the account because they do not have a photo of my ID or any contract. This is hurting me and experian is not complying with the processes established by law. All the representatives give me different information and no one wants to help me
Product: Credit reporting or other personal consumer reports

Dear Transunion, please help me my identity has been stolen from me and used in such a horrible way. I was left with so many inquiries and collections that doesn't belong to me. I am asking that I can receive help I am a mother of XXXX and a XXXX XXXX this is so unfair to me to have 19 inquires with 5 collections that I never consent of opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT EDXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX 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, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedAFFIRM INC PBDJ****
Product: Credit card or prepaid card

After experiencing financial hardship in the form of two job losses due to the pandemic, as well as extreme medical issues - XXXX, XXXX, XXXX  XXXX, and subsequent XXXX  that resulted in the XXXX XXXX of my son, who was placed in the NICU, I fell behind on my card payments. I attempted to make these payments, but was locked out of my account and required the full account number to regain access. Since my family was forced to move after two job losses, all documentation/physical bills were in moving boxes and inaccessible for a time. I contacted Bank of America on XX/XX/2020 to request help unlocking my online account and to bring my account current. I spoke with 2 customer service representatives on the XXXX, and at no point was I informed that my account had been closed as of XX/XX/2020. I discovered the account was closed while monitoring my credit report. Even now when logging in to my online account there is no indication that my account has been closed with the home page reflecting a total credit limit of {$3600.00}. Had I known on XX/XX/XXXX the account had been closed, I would have requested that day that it be reopened. I have been in regular contact with Bank of America regarding this issue, spending multiple hours on hold and finally requesting a call-back from a manager. I waited several days for this call-back, only to be told that, now that more than 60 days has gone by, the account can not be reopened. Had I been informed on XX/XX/2020 it was closed, or on XX/XX/XXXX, when I called and spoke with 2 different representatives, I would have immediately began the process of advocating for its reinstatement. My requests to open the account began within that 60 day period, only to be ignored.
Product: Credit reporting or other personal consumer reports

i have unauthorized inquiries on my XXXX, XXXX and XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my 3 credit bureau XXXX didnt provide any proof to comply with the Federal credit reporting act. HAS not provide to any of the 3 credit bureau and me with proof of the original contract with my signature showing that Iam the owner. XXXX XXXX keep hiring different collection agencies to contact me and put information on my credit report. when to small claims in 2 different counties in massachussetts knowingly didnt send me notification of the small claims court date the court granted since I didnt know about this court dates however after I contact the court both court Westfield distriict court of and Greenfield district court reversed the judgement. However XXXX XXXX XXXX keep giving those reverse judgement to the credit bureau agencies knoiwing they are not valid and doesnt provide proof of any of the document I request under the FEDERAL CREDIT REPORTING ACT. Moreover Iam a customer of credit one credit card I have my credit card with credit one which LNVN Allegely both 2 accounts from credit one, Iam in good standing with XXXX XXXX XXXX. I never done any transaction with XXXX XXXX XXXX. I need XXXX Funding to deleted that information from my credit bureau is in violation of the FCRA>
Product: Debt collection

I have a payday loan with CheckMate I got into financial trouble and they refused to help me at all they didn't even offer me a payment plan to get me out of the debt they refused to work with me, and they took money out of my account when I asked them not I told that I revoke the ach payment and don't take it out of my bank they took {$300.00} from my bank and caused my bank account to go negative..
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Equifax and Experian around XXXX XXXX, XXXX. In the reports from Equifax and Experian, I found several mistakes : 1, In both, there are two XXXX credit cards but only one is actually mine. 
2, In Experian, there are two reported names but I only use one name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only one card associated with my social and name. Somewhat relieved, I filed two disputes with Equifax and XXXX in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of Equifax and XXXX  because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again yesterday ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have one credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/equifax provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not XXXX. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because XXXX/Equifax would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from XXXX/Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX as well as XXXX, XXXX and Transunion. XXXX  has removed some of the accounts but there are still 5 posted on my credit report. Transunion and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XX/XX/2017 to no avail.