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

THIS ACCOUNT at XXXX XXXX XXXX and this Loan was fraudulent. XXXX  and XXXX removed the account but Experian refuses. I have FTC Fraud Report and Police Report. Plus I have asked XXXX  to produce proof of loan and they can or will not.

Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you  do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B  ). 
I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities  when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, Fraud Victim Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files EXPERIAN STATEMENT XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$9100.00} Balance Updated XX/XX/XXXX Credit Limit {$8000.00} Monthly Payment - Past Due Amount {$9100.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - FRAUD NOT MINE
Product: Debt collection

XXXX originally billed me for services after I turned off my service more than 10 years ago in XXXX. I contacted XXXX and I was told I did not owe it. XXXX XXXX  XXXX turning this over to collections with direct companies, the latest being Southwest credit, and I have disputed it on all three credit bureaus. It was taken off of one but they refuse to remove it completely and they keep changing the date so that this last attempt says the debt is from XXXX  XXXX and this is just a lie. I placed a statement on my XXXX  credit report. I want XXXX and Southwest credit system to remove this permanently and stop harassing me.
Product: Credit reporting or other personal consumer reports

the consumer reporting agencies ; Experian, XXXX and XXXX have responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Experian, XXXX and XXXX Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Experian, XXXX and XXXX to verify the collection account information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Experian, XXXX and XXXX to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Credit reporting or other personal consumer reports

TRANSUNION IS REPORTING INCORRECT INFORMATION ON THIS ACCOUNT XXXX XXXX XXXX, WE ASK TO VERIFY THIS ACCOUNT AND ALSO THE INFORMATION THEY ARE REPORTING IS INCORRECT. DATE DO NOT CONQUER WITH THE OTHER CREDIT AGENCIES REPORTS, THEREFORE THE INFORMATION IS NOT BEING VERIFIED BY TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid sallie mae student loan when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX XXXX then became Navient who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for XXXX and XXXX XXXX for my information/identity leak. I worked for XXXX and was an XXXX XXXX
Product: Debt collection

I C SYSTEM ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$380.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with I C SYSTEM. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, I C SYSTEM has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Credit card or prepaid card

On XX/XX/2019, I withdrew/transferred {$75.00} to my bank account. I had an overdraft fee from a courtesy pay that I was covering because I knew I had another withdrawal that needed to come out on XX/XX/XXXX and I needed it to be covered by my courtesy pay. The withdrawal never happened, it didnt even show on my account transactions, so I called Amex Serve Card on XX/XX/XXXX because the transfer never took place and my courtesy pay could not pay my transaction, so I ended up with another bounced check fee and the bill that courtesy pay would have covered didnt get paid. When I called Amex they told me it could take up to 5 business days for a transfer to take place. I told them I have done this many times and it never takes more than 2 days for the transfer to take place. Then when I checked my transactions this morning XX/XX/XXXX it is on my transactions for XX/XX/XXXX, even though they deducted the money from my account on XX/XX/XXXX. Now I cant even dispute the transaction with the bank based company n the  transaction date, which was before the auto pay date. So I have charges from the bank, my car payment company and my car payment didnt get paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, I recently pulled my credit report and say inquiry that I did not authorize. I instantly called XXXX XXXX XXXX and notified that it was not me that authorized for my credit to be ran and it was fraud. The company withdrew application and stated that they can't remove inquiry and fraud department would reach out. Fraud department failed to reach out, so I called again and was told I would get a return call within 48hrs. I have yet to receive the call. I would like for this company to send me verification with my signature authorizing for my credit to ran. If they can't provide me with necessary proof that it was in fact XXXX XXXX, then I would like for this inquiry to removed off my profile because my consumer rights are currently being violated.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX
Product: Mortgage

In XX/XX/XXXX, I closed on my $ XXXX condo. Before I could refinance the mortgage, which is an 80/20 loan from Chase Bank, the housing bubble occurred. Currently, I have tried multiple times to refinance, using the terms and conditions set forth in HARP, and have been unable to do so due to to the fact that my loan is not a XXXX XXXX or XXXX XXXX backed loan. The loan belongs only to Chase. Multiple mortgage brokers have attempted, even with my circumstances meeting HARP criteria, without success. The last attempt at refinance was denied today ( XX/XX/XXXX ). I have made multiple attempts to go into Chase and talk about getting my mortgage refinanced and have simply been told that the 80/20 loan I have is a program that is no longer in effect. I am stuck with a 20 % " home equity '' loan at over 9 % interest. My 80 % loan has an ARM which is at current interest rates, but will change with the market. Chase receives my biweekly direct deposit so the ability to pay is not in question but the loan conditions and inability to refinance are. Furthermore, my credit score has been > XXXX for the last 10 years, so I am a good " risk '' to refinance, even though my loan is still upside down. 
The loan that I have was sold to me but the mortgage broker did not explain that it was an interest only loan. I have not paid off a full $ XXXX on the original purchase price due to this. I have also been advised that this my mortgage is considered a predatory loan.
Product: Credit reporting

I investigated XXXX through XXXX XXXX about 1 1/2 month ago and this item was deleted. I just check my credit report through XXXX XXXX and this creditor is reporting once again which brought my credit score down XXXX points. What 's is sense of a consumer going through a 30 day investigation when the derogatory credit is being reported once again on their credit bureau report.
Product: Credit card or prepaid card

I have never received this reported Credit Card account nor ever used it. 
This account is not mine at all. 
Therefore Please clear my Record Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2022 I disputed XXXX XXXX XXXX ( XXXX XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof. 
I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation. 
Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2
Product: Checking or savings account

I signed up for the {$400.00} bonus for $ XXXX deposit offer that they had on XX/XX/2020. I signed up over the phone, and I told them to withdraw $ XXXX from my account. I gave them all my info. and it was supposed to happen. Then they kept telling me they had problems with me signing up, they wanted another signature card. Long story short, they dragged out the process, it took over a month ( there time window for the offer ) for them to deposit my money into there account and they did it for {$7500.00} not the {$15000.00} that was supposed to be done with. When I called them about the promotion they said it's been over a month and that I didn't qualify anymore! If you're signing up for some kind of promotion that they have beware!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  used a hard inquiry on my credit report. I do not have a  XXXX  account.   However my name is associated with my mothers account and I changed from  XXXX  to  XXXX  and there is no reason for them to have run a hard inquiry on my credit.   In fact after cancelling the account she had no contract they still took money out of her account for the next month when the service had been discontinued. The service however is under her name and she pays for it. So again there should be no reason  XXXX   XXXX  filed a hard inquiry under my credit.
Product: Credit reporting or other personal consumer reports

Kia charged off an amount of debt in XX/XX/year>. Theyre reporting a charge off for multiple months on my credit. A charge off is XXXX time, they can not report multiple charge offs when there was only XXXX debt charged off.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, attempting to collect a debt in the amount of {$740.00}. It stated that I had a XXXX XXXXXXXX XXXX  credit card with account number ending in XXXX and as of XX/XX/XXXX I owed {$740.00}. I have never had a XXXX XXXX XXXX  credit card, so I was alarmed to receive this letter. I called and spoke with a representative who informed me that the credit card was opened in XX/XX/XXXX. The letter listed Reference # XXXX. 

I then received a letter from Resurgent Capital Services, Reference ID : XXXX. It stated that in order for them to further investigate my dispute, I needed to provide additional documents. On XX/XX/XXXX, I filed a police report with the XXXX Police Department. Report # XXXX. The Identity Theft Passport number assigned was XXXX and a copy of the report is on file with the XXXX Attorney General 's Office. I faxed a copy of the police report to Resurgent Capital Services on XX/XX/XXXX. I received notice from Resurgent Capital Services that they did not approve my dispute. 

On XX/XX/XXXX I faxed a notarized Identity Theft Affidavit, another copy of the police report, identity theft letter and passport, as well as a letter stating that I am disputing the credit card charges because it is not my debt. According to the documents mailed to me by Resurgent, the credit card was opened in California and also used in California. I have never lived in California, and was not traveling in California during the dates the card was used. My credit score has been impacting severely because this debt continues to show as an unpaid balance each month. I have reached out to the XXXX credit bureaus and placed a freeze on my my credit. It has been emotionally taxing to watch my credit score drop from excellent to good to currently fair. I would like to see Resurgent Capital Services acknowledge that I have been the victim of identity theft and remove this debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to EXPERIAN. I wrote to them the inaccuracies of my credit report including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it its over 30 days. As I checked and reviewed my credit report seems nothing has changed and no action has been taken. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy.15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

On XX/XX/XXXX, the customer service represented said they would remove my late fee. On XX/XX/XXXX they had not removed my late fee and gave me another late fee for the month of XXXX. I immediately called and explained the phone call on XX/XX/XXXX and asked them to pull the phone call as I told the first late fee was to be waived. Today is XX/XX/XXXX none of the late fees have been removed. Now is a balance of {$95.00} including interest and additional late fees. I have called several times to resolve this and have my phone calls pulled. With no help other then them telling I'm past due. These charges are complete bogus.
Product: Mortgage

The concern is with TRUIST BANK IN XXXX XXXX XXXX XXXX the occurrence as to date XXXX XXXX XXXX is not being Mey in spite of documents being signed and submitted as XXXX. The nuance of emails that were to be sent has not been adhered to.
Product: Debt collection

This account was placed for collection with this company on XX/XX/2017. I disputed this debt with company on numerous occasions. What was sent to me by this company does not demonstrate proof of it being valid. I requested a original copy of my ssn or Identification and original signatures matching my correct full name. I also requested the method in which was taken to prove that this my account.I am requesting the practices Act section 809 ( b ). I will not submit any information to this company as proposed. If all is valid then they the company should be able to provide full disclosure not some assumed information.
Product: Credit reporting or other personal consumer reports

I have requested for all three of the CRAs and Dept of Education to remove all 18 student loans off my consumer report due to the Privacy Act of 1974 ( 5 U.S.C 552a ) : The Privacy Act of 1974, 5 U.S.C. 552a, is a federal law that regulates the collection, maintenance, use, and dissemination of information about individuals by federal agencies12. The law provides US citizens or permanent resident aliens with a right of access to information concerning themselves that is kept in systems of records by any agency in the Executive Branch of the federal government2. The law also establishes a code of fair information practices to protect the privacy of individuals.

You do not have the legal authority to report any of these student loans on my account, per the disclosure provided by the Department of Education/Nelnet under Section F : Gramm-Leach Biley Act Notice and Privacy Act Notice, that was supplied from the direct subsidized loan and direct unsubsidized loan MPN. No section indicates that these loans ( 18 total ) should be reported in my consumer report ; I have attached proof and require that you delete my consumer report immediately.

As a consumer, I have the right to privacy according to the Privacy Act of 1974 ( 5 U.S.C. 552a ), which requires that the following notice be provided to you ; The authority for collecting the requested information from and about you are 451 et seq. of the Higher Education Act ( HEA ] of 1965, as amended ( 20 U.S.C. 1087a et seq. ] and the authorities for collecting and using your Social Security Number ( SSN ) are 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1091 ( a ) ( 4 ) ) and 31 U.S.C. n01 ( b ). Participating in the William D.

Ford Federal Direct Loan ( Direct Loan ) Program and giving us your SSN are voluntary, but you must provide the requested information, including your SSN, to participate.

The principal purpose for collecting the information on this form, including your SSN, is to verify your identity to determine your eligibility to receive a loan or a benefit on a loan { such as a deferment, forbearance, discharge, or forgiveness ] under the Direct Loan Program, to permit the servicing of your loan { s }, and, if it becomes necessary, to locate you and to collect and report on your loan ( s ) if your loan ( s ] become delinquent or in default. We also use your SSN as an account identifier to permit you to access your account information electronically.

I am requesting that you send me the legal documents and disclosures required by the E Oscar database that show that you have legal rights to report all items on my credit report that I did authorize you to register.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax, XXXX  and XXXX to certify and verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. The following below is listed on my credit report and should be removed. If not removed I will file lawsuit XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Made a payment to WellsFargo credit card using a XXXX XXXX  checking account on Monday XXXX XXXXXXXX 
As of Thursday XXXX credit card is not showing the availability of the funds and was told today by calling the customer service on dated XXXX XXXXXXXX, that funds are on hold and will be released on Friday XXXXXXXX, due to making sure funds clear from the other bank. 
It is not a fair practice to hold the money for that long, there should have been any alert or notification regarding the hold while making the payment or even after the payment. So I could have managed my financial obligations accordingly. 
There was no communication even after the payment but email was stating The following payment will be effective as of XXXXXXXX  but stating anything regarding hold on funds, which is misleading and unfair practice, it causes me not to able to make the payments using this credit card, the payments I planned and promised to made in next couple of days.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, on XX/XX/XXXX became aware of the issue when I noticed unauthorized transactions and inaccurate information on my credit report after I just received my first Social security on XX/XX/XXXX and irregular activity on my credit report. I immediately took steps to report the identity theft and limit the damage. I have reported the incident to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and have completed an Identity Theft Report, including an Identity Theft Affidavit, to officially document the fraud andor identity theft to law enforcement. I have also taken measures to rectify the situation by contacting the relevant financial institutions and credit reporting agencies to dispute the unauthorized charges and correct any inaccuracies on my credit report. I have enclosed proof of my identity, a copy of the Identity Theft Report, and any other relevant documentation to support my claim. 

Below are the mentioned reports : Account Name XXXX XXXX XXXX XXXX Collection Date opened XX/XX/XXXX Collection account. {$460.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened XX/XX/XXXX Collection account. {$710.00} past due as of XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX Debt Buyer Date opened XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, 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. The last letter sent to the 3Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX