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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX  XXXX
Product: Credit reporting

Experian unilaterally decided a compliant did not come from me and refused to move forward on requested corrections and disputes
Product: Mortgage

Ocwen Loan servicing refused to accept my mortgage payments via XXXX XXXX and over the phone. They said it was 3 months late and I must pay all that is due to prevent foreclosure. The problem is that I was not yet 3 months behind. I was 2.5 months behind. I told the agent this and I was told by him that he can not accept my payment. It seems like they just want to foreclose on my house. They 're crooks.
Product: Credit card

I over paid my account back I believe it was XX/XX/XXXX of 2024. I did this as Synchrony bank Home. said payment had been cancelled so I kept reprocessing it. I did not realize that all the payments had gone Through. I immediately called I. Asked them to refund me the overpayment of {$6300.00}. They told me it would be a paper check as it could not be refunded to the bank I had paid from. I have called over XXXX times. The account was shared with my sister XXXX XXXX. XXXX has called and has received the same song and dance the checks been mailed it will take XXXX to XXXX business days its now approaching XXXX  months. I have a case number XXXX. I want my money refunded like overnight the check for gods sake. I believe you charge like XXXX percent on accounts so I think I should get the same interest refunded on top of my money. Please tell me how I can get what's mine. Sincerely XXXX XXXX
Product: Debt collection

I am filing a complaint against Portfolio Recovery Associates on XX/XX/XXXX for falsely reporting collection accounts on my credit report as " opened. '' I have never entered into any agreement with these debt collectors, nor have they provided proper validation of the debt as required by law. 

I previously disputed these accounts with the credit bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, but the accounts were not removed. The collection agencies have failed to provide sufficient documentation to substantiate their claims. Reporting unverifiable or inaccurate information violates the FCRA, 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ). 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg ( b ), I requested validation of the alleged debt, but the collectors have failed to provide the required documentation proving that I owe the debt or that they have the legal authority to collect it. Any attempt to collect or report a debt without proper validation is a violation of my rights under the FDCPA.
Product: Debt collection

I recently contacted the collection agency LVNV Funding about the " alleged '' debt for {$820.00}. I disputed the debt via certified letter and asked that they send me the verification documents certified mailed and the collection failed to verify the debt based on my request. They sent me a letter clearly stating that the documents enclosed were not from the original creditor XXXX did it bear my signature that I agreed to pay for the " alleged '' account. I furthermore DO NOT have a contracual agreement with any collection agency and request that the account be returned to the original creditor to resolve. 

According to my rights according FDCPA and according to 15 U.S. Code 1692g the proper channels were not taken in order to report the major credit bureaus. 

I have attached detailed copies of all correspondence and would REQUEST that this account be deleted immediately from all MAJOR credit bureaus in violation of my " consumer '' rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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 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
Product: Mortgage

I went through the entire process, submitted everything that I was asked, signed a contract, filled out application, got my credit pulled twice and basicall did everything I was asked to do. While waiting for the process to be completed, I sensed that there was something wrong with the process. I signed my contract the XXXX of XXXX XXXX and my credit was pulled, which was n't a problem, however the representative XXXX XXXX XXXX also known as XXXX ) asked me for my bank statements and check stubs every month ( even up until XXXX of this year XXXX XXXX ) ). The amount of excuses I received and the lack of professionalism was what made me realize that something is seriously wrong. Myself and my boyfriend, who was applying with me, made contact with another lender who explained the process but it still never added up to the amount of time spent doing the process. I asked that everything that the company did for my loan be sent to a lender who I trusted to look over everything and Now 7 months down the company is telling me they are not closing my loan and that the company is not renewing their license for the XX/XX/XXXX year. Apparently, there seems to be a lot of fraudulent activities that has been going on with the employees or persons for International City Mortgage. I also went as far trying to find someone else to close the loan but i will have to do the entire process over, which i would have done but the company ( ICM ) is refusing to remove any of the hard inquires that they placed on my credit. I learned they are not even Licenses in the XXXX XXXX to do business. However, throughout the process I asked that everything be put in writing or email to me therefore I have XXXX trail on everything. There is just a lot that 's been going on with this company and the people that are a part of it. 

If you need any of the emails, I would be happy to forward them to you.
Product: Credit reporting

I signed up for credit reporting with Experian not understanding that I would be charged a monthly {$20.00} fee for the credit report. The month after I signed up, I called my bank and disputed the charge to my credit card. They explained to me that this was a common complaint, and Experian was difficult to work with and ultimately resolve the $ XXXX/month charge. They recommended that I cancel my credit card and avoid working with Experian in the future. I did this. The following month, under my new credit card, the charge appeared again. I had not contacted Experian with my new credit card number. Therefore, Experian used my social security number to locate my personal information and charge me for a service that I did not want. I called Experian and complained that they misused my personal identifiable information and requested the resting the charge on my credit card. They refused and said the charge was legitimate. I demanded to speak to the Experian representative 's supervisor to resolve the issue and I was turned down. I am deeply disturbed, not for the monthly charge on my credit card, but because my PII was used inappropriately. I am lucky because I monitor my credit card charges closely. I 'm sure there are many Americans who are unable to keep close watch on their financial information and in a similar situation, would miss the charge in their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment due date on this vehicle purchased through Ally Auto finance was changed and was never updated on my credit bureau so my report shows XXXX late payments. I tried resolving this issue with the creditor to no avail. The vehicle has since been off in full.
Product: Credit reporting or other personal consumer reports

Request for Certification of Accuracy of Information ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } Grounds to Sue. 
Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of Authorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXX XXXX XXXX  XXXX. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX : # XXXX : Balance : {$320.00} | Date XXXX XXXX : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago
Product: Checking or savings account

Wells Fargo has acted in a discriminatory and XXXX manner against me. They have illegally and fraudulently close my checking account stating that I filed too many fraud. Claims Wells Fargo has been at the forefront of many lawsuits for their deceptive business practices and consumer fraud to their very own customers. 

I demand that they keep my bank account open, and that they get fined for this heinous behavior towards me a XXXX XXXX XXXX XXXX XXXX XXXX. 

Every single claim that Ive ever filed with Wells Fargo is backed up with a police report an FTC report for identity, theft, and evidence that I was either hospitalized with XXXX or that I was not even in XXXX at the time that any of the charges took place on my account They can not simply close my account because I inconvenience them and they have to be forced to do their job every time they have rejected accepting supporting documents from me and now theyre going to blatantly lie and close my checking account saying that I filed too many claims this is discriminatory behavior and I demand That they take responsibility for what theyve done to me. They are victimizing me a victim, and they are criminalizing me and away as well closing my checking account for saying that I have too many claims is like blaming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will be filing an FDIC complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and upon checking my credit report it shows XXXX XXXX  on my XXXX  report 20 times as credit inquiries.. the problem is this I have a few accounts with XXXX XXXX   however these inquires that I see I did not authorize and I would like for XXXX to remove these items from my credit file. 
XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get a free annual credit report from Equifax and XXXX, the prompts are telling me that my info can not be found in their database when I just unfroze my credit with Equifax with no probs the last couple years untold XXXX XXXX. The last time this issue came up is when someone was using my personal info to obtain credit and I became a victim of identity theft in XXXX and my credit was wiped clean my credit score fell from the upper 700s to 300s in no time, I again found bogus accounts on my credit reports ( XXXX ) ( XXXX ) That I had XXXX dispute for me and took off in XXXX, Im just now getting my credit back and now I suspect its happening again I had a initial fraud And credit froze at all 3 bureaus and now they re telling me my info isnt in database and I have to mail proof of my identity to XXXX and Equifax, I haa as d no prob with XXXX. I Am allowed my free 3 annual credit reports and I cant get to my info and it was fine last XX/XX/XXXX. I got a loan to get my car. Now Im having issues to unfreeze my credit at Equifax on Monday XXXX XXXX for a much needed loan. I am so fed up with this, you all had just got XXXX   to unlock my info so I could get to it, I couldnt get to it for 6 years until you all got in touch with them last year. Now its starting again. I want this XXXX XXXX resolved please and for them to stop letting other people view my credit I take it, I am a victim of I am a victim of identity theft and have the documents to back this up since XXXX. My ssn # was compromised and used to file numerous tax form 1040 and the IRS caughgg Th it because I dont have a tax filing status and I am having trouble with my local Social Security Administration in XXXX NC, they will not issue me a new number, my ssn # is out there and the person or persons keep doing this when they get angry at me for whatever, a detective told me it is a revenge act that was done to me we have our suspects but not been able to prove it, my ex husbands family we suspect, but I know my current ssn # will always be tagged to me but at least maybe they wont steal the new number if I was issued a new one. The only way I know this matter will be solved permanently, thank you for your time.
Product: Credit reporting or other personal consumer reports

Please dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Product: Student loan

I looked up the address to make a payment to my salliemae loan. 

This link popped up https : XXXX/ I sent my check of XXXX XXXX, XXXX dollar to this address below. {$1800.00} Payment address : Sallie Mae XXXX XXXX  XXXX XXXX, PA XXXX Now they are saying they can't find my check for my student loan and the payment won't be applied in time because of these XXXX. These XXXX gave me a late payment before on my credit for there mistake and now these XXXX have an address that is no longer active up on the site for payments!!! If they payment is not reported on time then I will be at fault because of the XXXX  and there unprofessional antics
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of 2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

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

Requested credit line increase from XXXX XXXX XXXX on XX/XX/2023. 

It was denied. The reason provided in the letter : " Based on your credit lines with XXXX XXXX, your credit score isn't high enough for an increase. See the back of this letter for more details. '' Credit score shown : " XXXX Date : XXXXSource : Equifax Information Services XXXX The information is out-of-date and/or inaccurate and therefore, XXXX XXXX lacked sufficient basis to deny my request. 

My XXXX XXXX score is XXXX, based on a credit report from XXXX XXXX pulled XX/XX/2023. 

My XXXX XXXX score is XXXX, based on a credit report provided by XXXX XXXX XXXXXXXX XXXX XXXX, who recently approved an increase in my credit line due to my higher credit score. 

Clearly my credit score is high enough but for some reason, XXXX XXXX cherry picked the lowest score. It is unusual in light of the credit line increases granted by XXXX XXXX XXXX XXXX Bank ) XXXX XXXX should take the opportunity to review my request for a credit line increase based on current, not dated information. But when I called, I was not referred to any person who could give me a straight answer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Experian requesting an investigation into inaccurate items on my credit report. In my dispute letter, I explicitly requested that Experian provide specific information on how they verified the accuracy of the disputed items, including : The date they contacted the creditor/furnisher. 
Contact information for the creditor/furnisher. 
Name of the person who verified the item. 
Method of communication used to verify the information ( phone, email, mail ). 
Whether the creditor provided my SSN, address, and date of birth. 
However, I have not received any response from Experian regarding my request. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, the bureau is required to provide the consumer with the results of the investigation, including specific details on the verification process if requested. 

Experians failure to respond to my dispute and provide the requested verification details is a violation of the FCRA. As a consumer, I have the right to accurate information in my credit report and to receive a thorough investigation into any disputed items.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX - Balance {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX - Balance {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$1500.00} XXXX # XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since, XXXX, I have made an effort to pay off my debt, before then I was able to get a credit card with a debt of XXXX and many missed payments prior and a low end job. Now, I cleared my debt in XXXX of either XXXX or XXXX. I even had a higher paying job in XXXX of XXXX making over XXXX in addition to child support thats roughly XXXX for over a year. However, I was unable to get a credit card. I haven't been able to get 1 since XXXX. Now, I recieved my score and experian claim its in the XXXX 's. There's no way possible when my debt is only XXXX dallors I have supposedly 10 late payments, some to which include payments in XXXX. Which should be deleted. I'm tired what of what Istrongly believe is bias and discrimination. 

Last 4 digits of Social # XXXX, the option below is not working