23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am disputing a paid collection that is being reported on my credit report by Equifax from a company named XXXX XXXX XXXX. This company has no legal right to report this false information. This account was closed from XXXX XXXX XXXX and returned to the original creditor XXXX XXXX XXXX who has the legal right to do with the account as they see fit. A lot can happen in a little over 4 years including account ownership. 

I have attached a copy of a bank statement, clearly Showing that XXXX XXXX XXXX was never at any time paid anything as well as the method of payment, the dates and amount tender. Also at various times you all have claimed this account had been sold to which there is no proof of such a sale. I have also attached additional bank statements showing that this account is alive an active to this date, yet in your reporting you list it as paid and closed. How is that possible? It clearly shows that both XXXX XXXX XXXX as well as the CRA 's have no idea of the transactions that have transpired to this date, it also shows that on previous disputes you the CRA 's have fail to do a reasonable investigation. 

I am also requesting the method of verification, which is my right under the FCRA section XXXX ( a ) ( XXXX ). 

Also I assume that each of the CRA 's are fully aware of the agreement that was reached with the XXXX of the state of XXXX and XXXX with the state of XXXX falling under the XXXX agreement. 

The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). 

The CRAs shall implement a process designed to effectively remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. Such efforts may include, but are not limited to, sharing best practices for key words and screening procedures designed to identify debt that did not arise from any contract or agreement to pay. 

I am requesting under this agreement that proof be shown that this so called paid collection resulted from a contract or agreement to pay. This information should be readily available since this so called debt was sold as well as reported. 

You can not have a so called paid collection and reported as closed when this very Account is used to this date and in good standing. Your paperwork and so called reporting Do not match up with what are the facts. 

Please remove this false and inaccurate reporting immediately from my report.
Product: Debt collection

Ive been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have XXXXXXXX XXXX XXXX  listed on my credit file, immediately I contacted XXXX XXXX XXXX to report fraud. When I call in XXXX XXXX XXXX they can not verify my address or my name as I write it only my SSN and not my correct address or date of birth. Recently I provided this information to them for to dispute debt. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only when I call with the account belongs to me, Ive sent out multiple letters with no response from the company. I get transferred to multiple departments with no resolution. I sent a police report to company with no debt validation or due diligence on their end. I contacted them with all of my info including copies of my ID and asked that they provide the information they were given this way I can take to the police department. Today I called in and they said I had to pay debt even though I completed the fraud packet and was able to provide police report, fraud affidavit and all documents they requested. 

I also let them knows on my credit file there were no payments made on this account at all. They were also able to verify no payments were made on this account and no information for my identification. I also asked why they didnt follow my credit file and bypassed credit freeze. All of new credit must call me via phone to verify I am the person requesting credit. Representative stated no record in file of FCRA verification requirement. 

Please remove from my credit file. I refuse to pay a debt that doesnt belong to me. This is very stressful. I continuously am being targeted and this company is not following FCRA fraud requirements. 

XXXX XXXX XXXXXXXX refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas. The information they are reporting is not mines. My XXXX  shows someone else other than me has been using my Information Im sure theres more fraud to come. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

Thank you.
Product: Credit card

I had unemployment insurance on my Capital One account and they marked my account late 6 times on my credit report.
Product: Student loan

XXXX. During my transition from REPAYE to SAVE on around XX/XX/XXXX, MOHELA rightfully placed my loan account in Administrative Forbearance for 60 days processing but also erroneously billed and collected payment from my direct debit account during the same period. I was later contacted by MOHELA in XX/XX/XXXX about this issue and I was offered the choice of a refund for the premature billing/payment I made during that processing administrative forbearance period or I can be reinstated to an equivalent administrative forbearance period which is eligible towards my PSLF counts for the same period to rectify MOHELA 's mistake. I opted for the administrative forbearance reinstatement which the attached documents verifies my administrative forbearance from XXXX to XXXX by MOHELA. I called FSA and was told to submit a document from MOHELA which I obtained and submitted as evidenced and referenced by FSA as Feedback Case # XXXX on XX/XX/XXXX. FSA has not acted and still erroneously classifying my payments of XX/XX/XXXX and XX/XX/XXXX as regular forbearance which does not count towards my PSLF eligibility. 
Expected resolution is that FSA update my loan payment history to make my payments months of XX/XX/XXXX and XX/XX/XXXX qualify and count as Administrative Forbearance as the evidence provided my MOHELA shows which counts towards my PSLF eligibility. 

XXXX. I made full payment for my student loan due for XX/XX/XXXX to MOHELA but on FSA website, XXXX out of my XXXX loans does not reflect my XX/XX/XXXX payment and does showing I missed a payment although for the past 15 years, I made only I payment and its distributed among the XXXX loans which are consolidated into XXXX payment. I have submitted evidence from MOHELA to FSA evidenced by FSA PSLF Reconsideration request case # XXXX but had no response or resolution from FSA despite multiple follow up calls to MOHELA and FSA. 
Expected resolution is that FSA update my loan payment history to reflect all XXXX parts loans of my consolidated student loan payment was made for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, has violated my right. 

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. 


XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau has in correct information on account. I am requesting how who and where they got the information from.
Product: Credit reporting or other personal consumer reports

Pro collect phone representative stated they wouldn't remove the closed account information on the credit reporting agencies as it was a debt that I had incurred at one point in time.
Product: Debt collection

Hunter Warfield is a debt collector that purchased a debt from XXXX, an apartment complex in XXXX. In XX/XX/2016, they fraudulently placed a collection account on my credit reports. Upon obtaining the account documentation from Hunter Warfield, it was clear that the account was fraudulent, and not only did I not ever owe XXXX ( and accordingly Hunter Warfield ) any money, they actually owed me money. However, my attorney made Hunter Warfield an offer of settlement - remove the collection from my credit reports, and I would not pursue recovery of the funds owed to me ( plus attorneys ' fees ). 

Although Hunter Warfield never responded to my attorney 's numerous emails and calls, they did remove the account from my credit report. Now, more than 6 months later, they have re-reported the same debt, which they know to be both fraudulent and non-collectible. This is a clear violation of both state and federal debt collection practices, and is only an attempt to extort me for the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a business card and agreed to use the credit card for the sole purpose of the business. I have a personal and business account with XXXX and the personal and business accounts are separate. XXXX has been inaccurately reporting to my personal credit, the reporting dates are not accurate across the board with all bureaus as well as the dates that they began reporting on my credit. One report states that they were reporting to my personal report as of XXXX and the other credit bureaus has XXXX as the starting dates for reporting. My personal credit score has been adversely, tremendously damaged because of the high usage for my business needs and proof has been submitted. I have submitted a letter displaying that they have acknowledged that I have a business and the booklet that was sent to me enclosed with my credit card that clearly states that the business credit card account XXXX was issued for business purposes only. I agreed to that statement and have upheld to that agreement. Also I had a previous dispute asking for this account to be removed, XXXX, experian responded by stating that that account and the requested inquiries were removed but they have not been removed. I also submitted a request for a few other things that has been reporting over 7 years ( XXXX XXXX XXXX  which has been closed, both XXXX XXXX XXXX XXXX  accounts and a duplicated XXXX XXXX XXXX  account ) they just keep responding that the accounts has been verified which is not what I requested.
Product: Mortgage

I have been working in good faith on a short sale with Wells Fargo. They initially drug their feet causing my first buyer to walk away. They only approved the sale after my first CFPB complaint. By then it was too late. Then we submitted a new offer for a sale and again Wells Fargo delayed the process only to deny the sale using a XXXX that was XXXX XXXX XXXX for a value. I again filed a CFPB complaint. They assured me they would do a new value if I found a new buyer. I have a new buyer and again Wells Fargo is dragging their feet, asking for documents over an over again. In the mean time I have received nearly XXXX denial letters stating they could not offer assistance because of no change in my circumstances? Also, when I call, they tell me nothing has been in review since XXXX, yet then ask for more documents. Which is it? Is there an active short sale or not? Now they have a sale date scheduled and their attorney some how obtained a judgement without every notifying me of the court hearing. I believe Wells Fargo is keeping the Short Sale " inactive '' so they can dual-track.
Product: Credit card

Fraudulent 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 I am writing to formally dispute the presence of fraudulent accounts and inquiries on my credit report. My personal information has been used without my authorization, and the following items on my credit report are fraudulent : These accounts were not opened by me nor were they authorized. I am a victim of identity theft and am actively working to resolve this matter. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, I respectfully request the immediate removal of these fraudulent accounts from my credit file.

Under Section 605B of the FCRA, credit reporting agencies are required to block fraudulent information from appearing on a consumers credit report within four business days of receiving the appropriate documentation. Furthermore, under the Identity Theft and Assumption Deterrence Act, victims of identity theft are protected from being held responsible for accounts opened fraudulently in their report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1666 B. A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested that equifax remove multiple inquiries on my credit file that I did not approve or sign for. ON XX/XX/XXXX equifax closed the investigation stating that INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX did not provide an any information about their investigation into the fact that I did not authorize these inquires. With the quickness in which the dispute was denied I can only conclude that no such investigation took place.
Product: Credit reporting or other personal consumer reports

I have previously disputed the accuracy of payment to XXXX  XXXX as reporting this account as late for 120 days. I was never late on this account and it is damaging to my credit profile. This account need to be updated to a positive payment history immediately. This account was updated with XXXX and XXXX but Equifax isn't being helpful at all and continues to report negative and unverified payment history that are very damaging to my credit profile.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to this company requesting validation of a contract in which I have never signed up with this company, I have sent several certified letters to the reporting agencies showing them proof that this debt is not validated from this company, I have never agreed or signed up to be extended any credit with this company they are reporting an account # of XXXX
Product: Bank account or service

I received the following email from Wells Fargo. This is not my account or my name : XXXXXXXXXXXX XXXX XXXX ( 5 days ago ) to me Dear XXXX : Thank you for your continued business with us. Your relationship is important to me and I appreciate having the opportunity to assist you. My goal is to help you succeed financially and to provide you with an exceptional level of service, while ensuring your service requests are met. 
If you have questions, or would like assistance or information, please call me using the information below. 
Thank you. We appreciate your business. 
XXXX XXXX XXXX ( CSSR, Personal Banker ) Office : XXXX XXXX XXXX Direct : XXXX XXXX XXXX XXXXXXXXXXXX My reply : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 2 days ago ) to XXXX. 
This is not my account. I am not XXXX XXXX. Please correct this. 
And his : XXXXXXXXXXXX XXXX XXXX ( 34 minutes ago ) to me Thank you for your respond, we will correct this right away. 
Thank you again. 
XXXX XXXX XXXX I am concerned because of recent findings that Wells Fargo has opened accounts illegally ; I do have a checking and a savings account with them but not as described in that email. Thank you, XXXX XXXX
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 any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of 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 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  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I was signing up for Experian XXXX to hopefully raise my credit score. They kept asking for names of other financial institutions where I have accounts. I gave them access to XXXX XXXX XXXX, and they omitted XXXX accounts that have {$60000.00} dollars in them.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00}
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, THE FOLLOWING ACCOUNTS ARE CLAIMING TO BOTH OWN THE SAME DEBT WITH A BALANCE. AS YOU KNOW, THIS IS NOT POSSIBLE AND ALSO A VIOLATION OF MY RIGHTS. BECAUSE OF THIS, BOTH ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO NOT PROPERLY VALIDATING THE INFORMATION IN WHICH A COMPANY HAS PASSED TO YOU. PLEASE DELETE IMMEDIATELY. 

WHEN THE REQUESTED ABOVE DELETIONS ARE MADE, PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT ACCOUNT XXXX  XXXX  XXXX