23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I switched my family 's cell phone line from XXXX XXXX to XXXX a few years ago on a promotion where XXXX promised to pay off the phone lines at XXXX XXXX. When I switched to XXXX XXXX tried to collect {$2800.00} from me for the lines that we closed and XXXX said they had done everything to pay off the old lines but XXXX refused to cooperate and communicate with them. I have been trying to resolve this for years over many many calls ( over XXXX ) but XXXX refuses to cooperate. As I have tried again recently they will only accept communication through mail and will not communicate with XXXX over the phone or email which XXXX has said they can resolve quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/year> I received a call from the Well Fargos customer service number. ( XXXX ) with a representative stating I have a fraudulent charge on my account. She read all the charges within my account. Which I was looking at in the mobile app. She then proceeded to tell me that I had to verify myself by communicating with one of my last XXXX transaction recipients, whom she would send a verification code to, and we would confirm my identity. But instead of a verification, it was a fraudulent XXXX transaction being committed through XXXX and Wells Fargo systems. I did not receive any warning signs that stated to confim my transaction through XXXX and when I filed a fraud report. The bank stated that the fraudulent activity was my fault since I was a victim of the fraud. They did not treat my unauthorized transactions as errors, nor did they investigate the fraud. My user ID and password were also changed for the mobile app to which I had no longer had access. I spent almost 65 days trying to get my funds put back into my account. Only a bank manager that I had known for years stepped up and helped me, stating that several people had fallen for this fradulent activity. No further actions were taken from the bank other than to deny my fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery -XXXX : Express Recovery is collecting on a debt I do not owe. I never received a letter or call from them. As soon as I saw this on my credit report, I called an paid it. Since I never received any correspondence regarding this matter, it is in violation of my 30 day right to dispute opportunity. Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I XXXX XXXX, a real person, called Equifax. I was directed to the their Specialist XXXX. I expressed they were reporting inaccurate information on my credit profile. The initial dispute was regarding my car loan from XXXX XXXX XXXX. The account # for the late payments is # XXXX. She gave me the confirmation for this dispute as # XXXX. XXXX XXXX stated I had been late in the past on my car payments and that she could proceed with the dispute but it will not guarantee it will be removed. Well I am now aware of my rights and this is a clear violation under the FCRA, under 15 U.S. Code 1666b ( a ). This law states : Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor ( ME ) has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A credit card is defined under 15 U.S. Code 1681a means ANY CARD, PLATE, COUPON BOOK, or either credit device existing for the purpose of obtaining money, property, labor, or services on credit. I had to give my Driver License to proceed with the purchase of the vehicle, which is a CARD in fact. Please remove this inaccurate information as it it damaging my credit worthiness to lenders, as I am in the process of purchasing a home. If this is not removed, I will seek remedy under 15 USC 1681n for damaging my credit profile. We all know what I can sue for so just delete the items. I would also like a letter stating it was deleted and it be sent to the correspondences to email : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXX TRANSWORLD SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX XXXX Subject : Dispute of Incorrect Account Opening Date Dear TRANSWORLD SYSTEM INC, I am writing to formally dispute the incorrect account opening date reported on my credit report with your institution. According to my records, the account was opened on [ XX/XX/XXXX ], but my credit report ( or your records ) incorrectly lists the opening date as [ XX/XX/XXXX ]. According to my records, the original creditor ( XXXX XXXX XXXX states that the financial history in regards to the collection started on [ XX/XX/XXXX ] This discrepancy may negatively impact my credit history, and I kindly request that you investigate this matter and update your records accordingly. Enclosed, I have included copies of relevant documents, such as account statements or confirmation letters, to support my claim. 

Please correct this error and notify the credit bureaus of the updated information. Additionally, I request a written confirmation once the correction has been made. If any further information is needed, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. I appreciate your assistance in ensuring the accuracy of my account information. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I didnt not authorized any hard inquiries on my credit report from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JPMCB card XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 usc 8, owe no debt, this company is violating my consumer right to privacy pursuant to usc 1681-B2 company had no permission to report my informatio
Product: Credit reporting or other personal consumer reports

I checked my credit report last month XXXX and I noticed several inquiries that I didn't recognize or apply with. I immediately disputed these inquiries to both creditors and Equifax for possible ID theft. I sent a letter to Equifax last XX/XX/2023, along with the FTC report and proof of identity but they didn't budge to investigate. They said the documents were invalid and needed to be resubmitted. I asked specifically which part of the documents were invalid but they could not pinpoint the error. Here are the unauthorized/fraud inquiries that I have disputed with Equifax. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notification that two new collections have been reported on my credit report by I.C. System, IncXXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone number XXXX. To date, I have not had any phone, email, or mail communication from this company. I do not know what the reported debt is, am unable to verify it, and my credit is being hurt as a result of these new collection accounts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account name : NAVY FCU Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Harley Davidson Credit has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B ( a ) Creditor may not treat a payment on a Credit Card account under an open end Consumer Credit Plan as late for any purposes.
Product: Debt collection

The collection called a family member on there job and gave full disclosure regarding an alleged debt. This family member was not my spouse.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my LexisNexis consumer report. While I was trying to take out insurance for my car, they kept increasing my quote to take out insurance because there are four accidents on my report. I have never been in an accident or reported an accident. I requested a copy of my consumer report and someone with a different last name is on my report. Even though I have proof, XXXX will not let me start a policy with them without paying an outrageous amount because of my report. They charged me more than they should have during my last policy and will not refund me.
Product: Credit reporting or other personal consumer reports

Contacted each credit bureau to try and correct wrong information no change to report. 

Name Address Closed and open acct Amounts of alleged debts
Product: Mortgage

We have a mortgage with Seterus ; it is an interest only loan ; We were contacted in XXXX XXXX that they changed the terms in XXXX XXXX without notify us. At that time I asked for the details on this and contesting the loan, which by the terms of the loan stop all late fees and additional interest at that time. I have, in writing both via letter and fax sent them the request for this and it took them until XXXX XXXX to get me the details, and then only after the Attorney General of MN office had been contacted and was working on this case. During this time Seterus called us weekly and we always took the calls and we always explained what needed to happen and that we are contesting the loan. Once we received the information it was identify they sent the information to the wrong address. We have continue to pay the old monthly payment and will do so until they correct their mistake. We have continue to ask them to remove all late fee 's and interest charged in XXXX because of their mistakes. Our mailing address did NOT change in XXXX or XXXX and this as a mistake do to Seterus record keeping errors NOT ours. We also have asked them to correct all the negative reporting to credit agencies and provide us with a report showing us that this has been done with a letter stating it was their fault incase an agency comes asking in the future. We have been contesting the lone until this point and due to terms of the loan they should have stop late fees and foreclose process. On several cases including the following I was told the case was being contested and ALL late fees would be on hold- Including-On XXXX XXXX XXXX said she was doing this ; XXXX XXXX said she was doing this on XXXX, also XXXX XXXX XXXX said she was. Please understand this has been more than XXXX faxes and Seterus HAS confirmed they have received them.
Product: Debt collection

this agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means. I have previously attempted to address these issues directly with them. They are infringing on my rights, and I am entitled to {$1000.00} for each violation I have outlined. They must either compensate me or promptly delete these accounts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

My identity was compromised while oversees from XXXX to XXXX. During this time a fraudulent account was opened in my name by BMO Harris. I demand that this item be removed from my XXXX  report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to each credit reporting agency and also called. They did not provide me with any information or help for these unauthorized inquires : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a certified letter to XXXX and the Collection Agency to verify/validate the debt by sending proof of verification that I owe this debt, it is not enough for the Collection Agency to simply send me a print out of an amount allegedly owed. 

If they are unable to verify this debt, they are not allowed to continue listing this debt on my credit report. I have made a dispute with the credit bureaus as well and they still are reporting this on my report without having verified this debt belongs to me. 

Please assist me with having this company remove the listing from my credit report. Thanks.
Product: Credit reporting or other personal consumer reports

While filing a dispute on inaccurate personal home address information discovered today and I made an attempt for this to be corrected by me, I was advised to contact the company who provided the Inaccurate information. Therefore they denied my action to correct with them. In conclusion, I advised I would be filing a complaint with CFPB. Because I never received an email, or call, or letter ASKING FOR VERIFICATION. They automatically accepted the information provided and made the change to my credit report that was incorrect. Can you help me please?
Product: Student loan

My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady. Something needs to be done about these predators.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit was pull from this company I don't recall and don't recognize the name of the company is Equifax Mortgage Services XXXX XXXX, NJXXXX
Product: Credit card or prepaid card

On XXXX XXXX XXXX on a payment of {$4700.00}, I was scammed on the website : XXXX XXXX. The name of the scammers or sellers, ( whatever you prefer to call them ) is XXXX XXXX XXXX. I had purchased what was described as sXXXX XXXX XXXX by their respective actors. However, what I received was fake XXXX XXXXs with fake signatures and a fake and XXXX certification company. I have countless proof that the items the sellers sent me were fake and not as described per the listings. Attached you will see pictures of how they demonstrated and told me the items were authentic and legit. However, you will see that I used a reputable third party to check and they told me the auto was unlikely to pass any verification. Their so called " authenticator '' is a company based in XXXX ( for american autographs ), whose site site ends in " .net '' The sellers also claimed to be from the XXXX XXXX however upon arrival of the items the invoices said they were from XXXX XXXX XXXX XXXX and even used XXXX to deliver. XXXX is usually only used for International shipments. Furthermore, not only were all the items counterfeit but I already returned them all to the seller and have proof of delivery however sellers refuse to send my money back so I am left without the fake merchandise and my money. Almost {$5000.00} was stolen from me in this manner. Whats more? XXXX XXXX ( the website ) and my bank ( Chase ) instructed me to return the items to the merchant. And now the sellers have not returned my money. Chase did not even look at the dispute the first time even though it was extremely clear the merchants were scammers. Then they for some reason let it slide or just ignored my dispute to which I had to appeal and open a new dispute just for them to say after months of waiting that the time period was over. I have been extremely cheated by Chase and will seek legal action if needed.
Product: Debt collection

Disputed Collection with XXXX Credit Bureau and have not received any Information on the Debt. Debt were removed by XXXX Credit Bureau initially but added back. Disputed Debt with XXXX XXXX on XX/XX/year>.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/year>
Product: Credit card

In XXXX of 2011 I signed up for CareCredit ( GE Capital Retail Bank XXXX in my dentists office to help pay XXXX. I accepted the interest-free financing credit card and was given a {$500.00} limit. I used the full credit limit on the spot to help cover the bill for XXXX that I received that day. The card was received a few weeks later in the mail. I paid on the card for over a year without missing a payment. I then discovered my CareCredit account balance jumped up hundreds of dollars. Found out shortly after seeing this that the interest was added for the full financed amount of {$500.00}. I was not aware and not informed that I would have to pay 26.99 % interest rate on the full amount financed if not paid in full within 12 months. My complaint is that I was not aware that I would be charged for interest and not at such a super high rate. I thought it was an interest free medical credit card. I discovered that there was a class action lawsuit filed against CareCredit in which this creditor was court ordered to reimburse customers for interest charge to there accounts. I never received information what this do to having moved from the address that was on file with CareCredit before the lawsuit was brought against them. The court order states that consumers that signed up for this promotional credit card in a dental or medical office have 60 months from the time of the transaction to file a complaint to be reimbursed for the interest charges. My account was sent to collections do to inability to pay because of financial hardship. Account is now owned by XXXX XXXX and they are requesting payment of {$800.00} to satisfy account. Last amount I owed before interest was added was less then {$300.00}. I Would like to file a complaint with CareCredit to make sure this collection amount is lowered to that which I owed without added interest.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated a dispute with EQUIFAX to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my EQUIFAX credit report. 

Reporting Inquiry : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX