23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus 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 the following items completely from my Credit Reports : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B requires the deletion of any incorrect accounts from my credit report. Please look into the documents as there are inaccuracies in the reporting, amounts, and dates for some accounts.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate reports unresolved. The Consumer Financial Protection Borough ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, And failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the disputed accounts, as experience in action violates federal law and my rights as a consumer.
Product: Mortgage

I started a application with Amerisave mortgage company. On XX/XX/XXXX I sent a text to this company and asked XXXX XXXX to cancel my application and to refund the {$550.00} he asked for. I put it on credit XX/XX/XXXX. 
He will not respond to my request, instead he is continuing forward with this mortgage loan. And he has not refunded my {$550.00} back on my card. No appraisal was done with Amerisave.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX XXXX  certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the XXXX XXXX  XXXX  collection account removed from my credit report on XXXX, XXXX, and Experian. XXXX XXXX and XXXX never sent me documentation for years letting me know that I had an account that was getting escalated to collections. I also never received any itemized document showing what exactly these charges are so that I can make sure they arent fraudulent. I have attempted to contact these parties and they have not sent in any proof showing why the other person on the lease or I owe anything. The only things they have sent are statements from a different apartment complex that they are running a collection for- but that is not THIS account. XXXX and XXXX BOTH removed the XXXX  collection from my credit report and the other person on the lease- but somehow the charges reappeared on ONLY my credit ( and not on the JOINT persons ) and its a whole new amount that they are charging!? This is fraudulent activity and XXXX, XXXX, and Experian need to do their due diligence with their investigation. If XXXX XXXX  can not produce pictures from our move out date from XXXX  XXXX  ( which was back in 2021 ), provide an itemized statement showing why we owe this money, and have documentation or some way to show they contacted us to make us aware of these charges/photos/itemized charges. I want this collection off of my credit report due to inaccurate information. How would you know you are accurately reporting a total of charges when you dont know what each charge is for?
Product: Debt collection

Re : Victim of identity theft this is not sent in error, and not a material misrepresentation. 

The account below is in my credit file from unauthorized use of my social security number and card. Specifically, XXXX XXXX has defrauded me. I have no business with them or any member of their organization. The Lease Loan or account was placed on my account without any connection to any vehicle I own. I disputed this fraudulent account last year ( XX/XX/XXXX ), and it was removed from my credit report -- -due to fraud. I have a police report and an affidavit supporting that this is a fraudulent debt I never owed. 

XXXX XXXX XXXX XX/XX/XXXX Was notified by XXXX XXXX of the change Equifax has placed this account on my credit report. And this is fraud -- still. Attached is a police report and affidavit verifying the account was and is fraudulent. 

Equifax is reporting an " ok '' status of being paid while also saying it is a charge off??? I've never made a payment because I do not owe this debt, nor is it mine debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not allow me to dispute inaccurate credit information by not allowing me to log in. They keep replying that my password is incorrect even after I am allowed to go through their Forgotten Password protocol.
Product: Debt collection

Several phone calls a day from ( XXXX ) XXXX. They never leave a message and sometimes hang up after 2-3 rings. 

I looked up this company online and they are located in Texas. But, the area code is XXXX ( an Arizona area code ). 

Additionally, I have called them a few times and it seems like an overseas call center.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to commit Fraud. I have already advised Equifax over three different times, and complaints that I am a VICTIM of True - Name Fraud, and Identity theft after my wallet was stolen. I have provided Equifax with a copy of a law enforcement document to provide proof of Identity theft. Equifax refuses to follow the FCRA laws put in place to protect consumers whom are a victim of identity theft. Per the FCRA requirements if you provide a law enforcement document FTC Report which is a legal document. Providing proof to the company of identity theft, and requesting the fraudulent accounts be blocked. The credit bureau legally has an obligation to do so. In the State of Texas we follow the FCRA laws. Equifax continues to violate the FCRA laws, has not provided resolution. In fact Equifax is committing fraud themselves by placing the Fraudulent information on my report and not blocking it, knowing these are fraudulent accounts. You havent verified anything. The addresses these companies have do not relate to me. The XXXX XXXX XXXX have been blocked with XXXX, and XXXX. The XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX account and XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX/XXXX account has been removed from the Company on XXXX and XXXX  as fraud. The XXXX  XXXX XXXX closed account has been removed from XXXX  and XXXX. Yet Equifax knowingly has a law enforcement signed document and continues to keep the fraudulent information on my reports. I am going to have to forward this to my lawyer since legally I have rights to protect me as a consumer and Equifax refuses to follow any laws.
Product: Mortgage

Once again, I have filed numerous complaints concerning Ocwen and still they have not responded to my direct issues. They have not given me my deed to my condo free and clear and have not reimbursed me for the {$25000.00} they paid my condo association while we were still in litigation and nothing had been settled. Ocwen is still a mortgage collection company that has disrupted many lives not just mine. They need to be stopped and pay for their wrong. They can start with me.
Product: Credit card

There are XXXX transactions on my XXXX XXXX XXXX  that I did not do. They are for a small about XXXX XXXX dollar tranctions. Evidence of terrible customer service. Not part of my complaint just being used as evidence. They closed XXXX of my Fortiva accounts and refuse to send me a letter of why they were closed after multiple attempts. Im not sure why they refuse me customer service on fraud report filed on XXXX through chat. They had no record and supposedly refiled it on XXXX. But to me cause a supervisor screwed up not my fault so XXXX is the date.
Product: Debt collection

Cfpb, This is my dilemma... XXXX XXXX sent my account to debt collector IC systems without sending mailing me any correspondence.. I opened my account with XXXX on XX/XX/XXXXXXXX XXXX XXXX and I closed it in XXXXXXXX XXXX XXXX due to functionality issues with my purchased device on their network. Upon closing my account, I specifically asked their customer service team if I can continue to make payments on XXXX even though my account is closed. The customer service team responded with a yes and I continued to do so. On XX/XX/ I received an update from XXXX XXXX that my XXXX account has been sold to IC systems and my credit score dropped by XXXX points. Below I've attached pdf directly from XXXXXXXX XXXX  site proving that I never stopped paying on the debt of my device ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Mortgage

I contacted select portfolio, explained that a repayment arraignment would not work I needed a modification. I was told additional documents were needed. I received a request in writing of the documents with a date needed by. Prior to this date I receive another repayment plan. When I called and told the customer service agent what happen they said thats all I was getting, I explained all documents that were requested had not been submitted I was told " not neededI already have what they are offering ''. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention CFPB THIS IS NOT A DUPLICATE .CFPB COMPLAINT # XXXX. 
This complaint involves Wachovia na banking officer XXXX XXXX authorized an account in my name. This us going to be a substantial link to my identity theft. file # with the FTC # XXXX. 
PLEASE issue an appeal in this matter. I have never submitted this complaint as such. Why would the cfpb mark this as a duplicate. Please explain. Please resubmit t Wachovia na. 
Respectfully
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against XXXX regarding the unauthorized reporting of my account as a charge-off on my credit report. I believe this action violates my rights under 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681 ( Fair Credit Reporting Act ). 

I did not authorize XXXX to report my account as a charge-off, and this action has negatively impacted my credit standing. The lack of proper communication regarding this significant adverse action raises serious concerns about compliance with federal regulations. 

Additionally, I request validation or proof of any written correspondence from me that would authorize XXXX to report this charge-off of {$620.00}. To my knowledge, I have not granted permission for such reporting, which further underscores the need for a thorough investigation. 

I urge you to look into this matter and assist in ensuring that XXXX rectifies the situation by removing the unauthorized charge-off from my credit report. It is essential for consumers to have protections in place against unauthorized negative reporting that can harm their financial well-being. 

Thank you for your attention to this important issue. I look forward to your response and any assistance you can provide in resolving this matter.
Product: Credit card or prepaid card

I placed an online order for a couch on Ashley Furniture 's website XX/XX/XXXX but at the end of the transaction the confirmation page listed the color brown but I ordered taupe. The purchase total was {$1900.00} and put on my Ashley Advantage credit card financed through Synchrony Bank. I telephoned Synchrony Bank at XXXX XXXX XXXX XXXX  ( 2 hours later ) to explain the situation and completely cancel the online order, stating I'd visit the local store instead. I spoke to a male representative with a heavy XXXX accent and was guaranteed all was cancelled, " no further action needed. '' No merchandise was delivered due to the Vance of this order. However, in looking at my credit reports on XXXX XXXX it showed a balance of the {$1900.00} owed to Synchrony Bank for Ashley Furniture credit card. I've lost count of how many times I've disputed this charge! They continue to insist I owe-without explanation or proof and the disputes get closed. In fact, 1- they said I stated " fraud '' at 1 point, closed the account and sent me a new card- of which I never activated! That account number now has the {$1900.00} on it! The last call I made to Synchrony was yesterday XX/XX/XXXX. I asked the status f my last dispute and they said it would be 60-90 days and that I just " re-disputed by phone to them 2 days prior, XX/XX/XXXX! I DID NOT CALL OR COMMUNICATE WITH THEM 2 DAYS AGO!!?? In addition, my credit reports are showing PAYMENTS HAVE BEEN MADE ON THIS ACCOUNT WITH COMMENT - PAID AS AGREED.. 
I never pay d them a dime for anything because I received nothing! Isn't that FRAUD??! 
We are going on a year and I'm getting nowhere with them! XXXX also filed a dispute on my behalf following my call to them for assistance. No explanation or proof of receipt of goods has ever been presented! I said come! I still don't have furniture!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor XXXX XXXX XXXXY ) XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX : {$81.00} ( Original Creditor : ) XXXX Balance : {$100.00} XXXX CARD XX/XX/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: Student loan

Since graduating, Navient representatives have called only to request payment or advise I put my loans into deferment or forbearance ( increasing the loan amount exorbitantly ). I have been on the XXXX plan and need to recertify every year. I recently received an email saying I had to recertify and when I go to student aid.gov to do so, the link is frozen ( it does not work ). The " request a call back '' feature ALSO does not work. I submitted two complaints and emailed the company as well requesting guidance regarding rectifying the XXXX issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open a XXXX XXXX credit card on XXXX/XXXX/2021. I did not use, authorize, or consent to my information being used to open this account.XXXX, XXXX, Experian have not removed it from my report. XXXX XXXX XXXX has not responded to my inquires about this account. I want this removed from all XXXX of my credit reports.
Product: Mortgage

on or about XX/XX/XXXX I called the mortgage department at Wells Fargo and asked if I could get the HUD RISK-BASE MTG INS PAYMENT waived since I was {$2000.00} from the {$110000.00} amount to have it removed. I was polite and listened to the lady tell me NO. Here is my complaint and believe me when I say, PEOPLE truly do not like Wells Fargo and their Business practices. I have been talking with a lot of unhappy customers. We have had our loan with Wells Fargo since 2012. Wells Fargo PURCHASED our loan and the we were told we had to pay a HUD RISK INS PREMIUM. WE have NEVER had to pay this before. I was told at that time when my loan got to {$11000.00} that it would be removed or if we had NO LATE fees for 5 years and we were in good standing. WELL we have only had 1 late payment in 7 years of owning this home and that was right at the beginning of 2012. SINCE then I have either paid more than the monthly amount and NEVER BEEN LATE. The lady told me it was 80 % of my loan, while the loan I got was for $ XXXX so that would mean at {$120000.00} I would have this {$110.00} REMOVE. I am very disappointed and distraught that Wells Fargo continues to harm us as a consumer, who is paying their loan on time and more than the required amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed the above account for all three CRAS including you TransUnion including with the original creditor.According to the FCRA there must be written consent to furnish any information on my credit report. See CFPB Complaint # XXXX for referenced investigation. Please no consent is Identity theft and since my report has person information, sharing my information is an infringement on my rights to privacy. 
Dept. of Ed/XXXX was advised that this information would be no longer reporting this account because it violated internal policies. See Exhibit 1. This is a confirmation sent from to me on XX/XX/2022 verifying that this above account was removed by XXXX. This was removed because it violated my privacy and an act of Identity thief. According to the FCRA if information is removed or block that in fact, should be reported to the other 2 reporting agencies. Dept. of EdXXXX failed to pass this information on and instead they continued to report the above account verified. 
On XXXX XXXX I submitted another complaint see CFPB complaint # XXXX. You TransUnion stated that you opened a reinvestigation and that the above account was verified. Once I requested the steps of the reinvestigation, I was denied the process and never received requested information which is a direct violation of Federal law. A FTC Identity theft Report has been Filed against you TransUnion as the CRA and a FTC Report against Dept. of EdXXXX  ( See Exhibit 2 & Exhibit 3 ) .Considering that this information was removed because it was in direct violation of privacy according to 15 U.S. Code 1681c2. Please revisit Exhibit 1 for verified proof of block.

Attachments -Affidavit of Truth -Exhibit 1 ( Confirmation of blocked/removed Acct ) -Exhibit 2 ( XXXX XXXX XXXX FTC Report ) -Exhibit 3 ( TranUnion FTC Report )
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an entry on my credit report attributed to Sunrise Credit Service, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account in question has negatively impacted my credit history despite previous successful disputes with XXXX and XXXX. 

Specifically, I initiated disputes regarding this account on XX/XX/XXXX, with XXXX and on XX/XX/XXXX, with XXXX. Both credit bureaus confirmed the removal of this account from my credit report. However, as of XX/XX/XXXX, this account has reappeared, causing undue derogatory effects on my credit profile. 

Furthermore, if Sunrise Credit Service has engaged in any illegal activities resulting in the improper reporting of this account, I request to be compensated for the harm it has caused to my creditworthiness. 

Enclosed with this letter are copies of the correspondence from XXXX and XXXX confirming the removal of the disputed account for your reference. 

Please investigate this matter promptly and provide me with information regarding the steps being taken to rectify this issue. I look forward to your swift response and resolution of this dispute. 

Thank you for your attention to this matter.