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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax - The following inquiries were not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Walmart Credit card in my name in the mail. I called the fraud dept and was told that since I was added as an authorized user to an account, my ex husband added me without my permission, I would be responsible for any unpaid balance and it would be reported on my credit. I was also told that I could not remove myself from the account even though I didn't sign up as an authorized user. He was my ex fiance and knows all that information so how can I be held responsible because he added me as an authorized user and doesn't want to pay his bill? 
The Fraud department states the all you need to add someone as an authorized user is their SS number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which  would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.
Product: Student loan

Recently it has come to our attention that our student loan through Wells Fargo has been increasing the amount of our remaining loan principal despite making payments monthly. The initial loan amount for one of the loans was {$17000.00} and that went into repayment on XX/XX/XXXX. The interest rate on this loan is a variable interest rate and is currently at 11.24 % interest. However, in nearly 7 years of making payments the balance on the loan as of the last statement for XX/XX/XXXX is {$17000.00}. We believe that this is a result of predatory lending. On the statement it even shows that we have paid a total of {$20000.00} with {$6000.00} of that supposedly going towards principal. 
Our second loan also went into repayment on XX/XX/XXXX but that initial loan amount was for {$8000.00}. The variable interest rate on this loan is currently 5.25 %. As of the XX/XX/XXXX statement it has said that we have paid a total of {$5800.00} with {$3300.00} of that being principal. However the remaining loan principal on this account is {$6100.00}. 

We believe that both of these loans were included in the XXXX predatory lending case, but were never sent any information about a class action. 
Wells Fargo will not talk to us as the primary acou t holders and ONLY contact the co-signers. 
Just going off of simple math, we shouldnt still have balances that high.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Act. The List Of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX # XXXX, Account : XXXX XXXXXXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

On XX/XX/2018, my insurance company paid {$120.00} to the creditor, XXXX XXXX XXXX. The result amount owed was {$30.00}, and I would be liable for absolutely no more than that as stated in the insurance company claim. However, on XX/XX/2018, XXXX XXXX, the collection agency, wrote in my credit report that I owed a sum of {$390.00} to XXXX XXXX XXXX. This is illegal under the Fair Credit Reporting Act, and they should be held accountable for this.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed accounts that I have no knowledge of being reported to my profile. In XXXX my wallet was stolen during a work trip, the credit bureaus were notified and a fraud alert was placed on my account. I contacted the credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX, notifying them of the fraudulent accounts being reporting on my profile. Per 15 USC 1681B accounts that I have not given any written consent nor permission should be reported to my profile.

Reporting fraudulent accounts further violates 15 USC 1681c-2. 
I also requested that the credit reporting agencies remove all fraudulent addresses and credit inquiries that I have not authorized or given permission to be reported. 

These accounts being placed on my profile without my knowledge are hurting my ability obtain any credit in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated Report : Utility service registered with my personal information as a result of an identity theft event. Please remove this record off my credit report : XXXX XXXX XXXX. XXXX XXXX. Balance : {$590.00}. 

Someone in the State of XXXX XXXX rented a residential property in XXXX during the XXXX XXXX pandemic, using my personal information and I was XXXX the same year due to failure to pay rent. I have never been in the State of XXXX XXXX nor I have never signed any residential lease for any property in the State of XXXX XXXX I have been living in the XXXXXXXX XXXX XXXX since XXXX of XXXX. At the time of this event I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a XXXX XXXX XXXX  managed by XXXX XXXX XXXXXXXX XXXX ( ph : XXXX ) and my employer was located in XXXX XXXX as well. Updated XXXX : I have noticed another negative record on my credit report as a result of this incident - XXXX  {$590.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : WELLS FARGO XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit card or prepaid card

My credit account was closed today because according to CITI they said i had to many recent inquiries on my account after telling me in many conversations that im a valued customer and they value my business. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, a collections company called I.C. System, Inc has " flagged my account as Collections ''. This alert claims I have an unpaid balance to a " XXXX XXXX XXXX ''. 

There is a remark listed as " Affected by natural disaster. '' This utility company claims I have an unpaid balance in the amount of {$690.00} that has been due since XXXX of XXXX. I have absolutely no idea what this is about, whether or not it's a legit company with a legit charge for somebody else, or its an illegitimate company with a fraudulent charge. Either way, I have no idea how this ended up on my XXXX and XXXX  credit reports and it needs to get removed and this company cited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Checking or savings account

My checking account - Bank of America # XXXX was closed back in XX/XX/XXXX. The ATM debit card ending in XXXX was the associated debit card to this checking account. 

On XX/XX/XXXX, XXXX XXXX issued a refund on a cancelled flight in the amount of {$370.00} and I was advised to contact Bank of America. I contacted Bank of America and they said they had " no where to post the money '', so they issued a refund back to XXXX XXXX and that I would have to contact them. I contacted XXXX XXXX and they said they have never received any refunds back from Bank of America. 

XXXX XXXX gave me XXXX XXXX XXXXXXXX ( I do not know what this number is for ) Last Dept I spoke with was Bank of America # XXXX Dept- Recovery Bank of America has my money and has done nothing to cooperate in investigating the issue of my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

Its fixed with them I have a TDP for all ofmy loans!
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Mortgage

Hello and good day, I have made several attempts to request a pay off statement from XXXX XXXX my current mortgage lender. They have spent countless days delaying me every step of the way for this document. 
last attempt - XXXX XXXX : pm EST XX/XX/year> - called customer service delayed and had the try to make me stay wit teir company. 

On XX/XX/year> I submitted a request for my mortgage payoff statement via phone call and email. This document is crucial as I am in the process of closing on a new home, and the closing date is approaching rapidly.
Product: Debt collection

Upon reviewing my credit report, there is a medical collection from XXXX XXXX XXXX of an amount of {$130.00}. I have sent Equifax a dispute back on XX/XX/2021, it has been more that 30 days and they still have not verified the account. Per the fair credit reporting act law, they had 30 days to verify and if they are unable to they must delete it. I also NEVER received a letter from XXXX regarding a verification of debt. Now they have a derogatory on my credit report which is affecting me on getting credit because of this negative item.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and i contacted EQUIFAX in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor reported an incorrect date of first late payment and incorrect account balance. Disputed item XX/XX/2020. I requested creditor delete account from credit file creditor did not and did not verify there reporting information. Creditor should remove this account my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Nc. XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Notice of Dispute for Charge-Offs Dear Equifax, XXXX am writing to formally dispute XXXX charge-offs listed on my credit report that have been verified through both a provisional investigation and a reinvestigation. Despite these processes, the items in question remain marked as verified, which I believe is inaccurate and unjust. 
The charge-offs I am disputing are as follows : XXXX  # XXXX Last reported are inaccurate see exhibit ( A ) Delete this account for inaccurate reporting. 
XXXX XXXX # XXXX Date last active is inaccurate see exhibit ( B ) Delete this account for inaccurate reporting. 
I assert that Equifax has not fulfilled its obligation to conduct a fair and accurate investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). The repeated verification of these accounts without adequate consideration of the supporting evidence I provided is unacceptable. 
It is my understanding that as a credit reporting agency, Equifax is required to ensure the accuracy of the information it reports. The failure to take appropriate action on my dispute demonstrates a lack of diligence in your responsibilities. 
I kindly request that you delete the above referenced accounts, immediately. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2022, Bridgecrest was notified that I was refinancing my car loan. On the day that I received an email that Bridgecrest would be reporting a delinquency to the credit bureau, I learned that the pay-off check from my new loan servicer, XXXX XXXX XXXX , had been lost in the mail. Upon calling Bridgecrest and after speaking with two supervisors the only solution that I was continuously provided was that I had to make a payment. While I did make two payments, one to each loan servicer, I explained to Bridgecrest that because I am already making monthly payments to XXXX XXXX XXXX I could not also make a monthly payment to them for the same vehicle. Because the only solution to not reporting me as delinquent to the credit bureau was to make two car payments each month, this appears to be an inequitable, predatory, and unfair approach to dealing with customers who want to resolve a matter that is beyond their control.
Product: Credit reporting or other personal consumer reports

USAA reporting different information for same account across XXXX XXXX Continues to report XXXX delinquency and missed payment though the account has been charged off for XXXX years Reporting high credit utilization No statements provided to me as a consumer
Product: Credit reporting or other personal consumer reports

I appreciate you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few records that require to be FIXED. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX Account XXXX : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Title : Identity Theft - Unknown Entity Applying for Credit Card with Bank of America On XX/XX/2023 I received two emails at XXXX and XXXX ( EST ). 

The first email was sent from what appeared to be Bank of America : XXXX, subject line read " Verify your email address '', the body of the email gave a link to confirm email address. 

The second email was also sent from what appeared to be Bank of America : XXXX, subject line read " Your Credit Card Application Has Been Received '', the body of the email read : " Your credit card application has been received, We wanted to let you know that we've received your application for the Free Spirit Travel More World Elite Mastercard. We're currently reviewing your information and you can check your application status online at any time. Your application reference number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   '' I then contacted Bank of America credit fraud services- which they cancelled the credit card application and filed a fraud report, which they told me it will remove from my credit report. 

I then contacted XXXX, to update them and create a fraud report for the inquire that was made in my name. 

I have also changed my email password immediately after identifying the concern.
Product: Credit reporting or other personal consumer reports

There is inquires on my credit report that I have no knowledge of and I did not provide them with my information.

Here are the names & dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$2800.00} XXXX XXXX XXXX {$2800.00} 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

The information on my student is currently incorrect. The loans from the schools XXXX University ( which is now XXXX XXXX ) and XXXX University Should of been remove and forgiven from my account due to a class action lawsuit. The amount of student loans is around XXXX in loans. Instead the loan amount is double to over a XXXX because XXXX student XXXX calculated the Consolidated student loans as additional student loans. The only loans that should remain on the account is the student loan from XXXX XXXX in the amount of {$3600.00}. When I spoke to the loan servicer Nelnet they said the information base on the what they receive from XXXX XXXX aid. I have paperwork from the school and bankruptcy courts stating the XXXX loan amounts are incorrect. I also have ledge from Bankruptcy that shows that I paid over XXXX in student loans while in Chapter XXXX bankruptcy. XXXX XXXX loan show no information on this on the site. Due to the bankruptcy payment I should get that refunded to me minus the XXXX I own to XXXX XXXX. Not sure why this is happening but it is also damaging my credit file.