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

I am a single mom with XXXX kids who suffered extreme XXXX XXXX XXXX XXXX by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- Mr. XXXX however , they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, Equifax was notified of unauthorized inquiries that were reporting on my credit report in a letter that was dated, and time stamped ( enclosed ). After XXXX  months these inquiries still persist. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply. Your agency is in violation, and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have attached the invoice for the violations and the payment is to be remitted to the address on the invoice within 10 days along with the removal of the inquiries below : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Collection company had never contacted me when I lived in XXXX, where my debt was originally signed. Upon moving to XXXX, and after I contacted XXXX to repair my credit, it seems XXXX has purchased ALL of my debt in addition to my husband 's. I have court summon, which I settled but they refused to take my XXXX into consideration when agreeing to an amount and refused to accept monthly payment arrangements that I could afford. This company has come after us now. I explained to collection company 's attorney that I am XXXX and this credit delinquency arose due to a XXXX for a year. I also expressed to attorney that I contacted each original creditor from hospital via telephone to arrange payments and even offered medical documentation but to no avail. Now this company is unbending in their debt collection and, has explained that they will continue reporting on my credit for years to come. Also, they have stated that even though they will " settle in FULL '' upon agreed amount, they will further report me to the IRS for any difference above {$600.00}. I do not know if all of this is legal. I do n't see how any of this is fair. I am XXXX ... I contacted original creditor to avoid this very issue ... they did not care to work with me. XXXX XXXX collection company is probably a partner with XXXX XXXX credit repair company because the timing of all of this is too coincidental. I changed my address with XXXX so I am hiding from nobody only XXXX XXXX has contacted me now over year after having acquired my debt and precisely at the time XXXX XXXX became involved.
Product: Debt collection

This company is in violation of multiple FDCPA laws.I have sent a validation debt letter and cease and desist letter over 45 days ago. I demand that this company cease all forms of communication with me through any and all mediums.
Product: Debt collection

Someone fraudulently entered into a lease arrangement with XXXXXXXX XXXX in XXXXXXXX XXXX using my SSN, TX Drivers License, Current Address and DOB. 

Move in date was XXXX  on the applicant is 100 % not mine. 

I have never been to XXXX XXXX nor lived in XXXX in general. I have visited XXXX one time in XXXX for work. But never ventured to XXXX. 

XXXX is the is the parent company or managing company of/for XXXX XXXX was entered XX/XX/XXXX. I have never received any correspondence from XXXX or XXXX even though they have my current address listed as prior address. 

Collections was entered XX/XX/XXXX for the amount of {$12000.00}. 

The debt is fraudulent and caused by identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : FST PREMIER # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to file a formal complaint regarding fraudulent activities that have taken place involving my ex-fiance. On XX/XX/year>, I discovered unauthorized accounts and transactions on my credit report from your company, which I believe are a result of fraudulent actions by my ex-fiance. 

Furthermore, I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments.Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment
Product: Debt collection

I called XXXX XXXX on Monday, XX/XX/year> at XXXX to discuss a violation with the city. I believe the collections attempt is invalid and as the letter states, I must write back contesting the validity of the debt if I want to get them to stop collections efforts. The letter has a few different addresses, so I wanted to make sure I had the correct address. When I called, I asked the agent for the address. He gave evasive answers and started to ask me about the debt. He wouldn't give an answer about the right address of where to send my note contesting the debt. I pointed out that he wasn't giving me the address, despite the fact that I asked for it multiple times. He said contesting it was just a " legal procedure '' and I shouldn't focus on that. I told him that I was familiar with the Fair Debt Collections and Practices Act and that I just needed the address so I could contest the validity- as he pointed out, that is a legal step I should take. The agent was combative, but more importantly repeatedly tried to get me not to send a letter contesting the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

Hello, its been a year and I have not receive response from Transunion stating that the debt is mine. Can you please remove debt off my credit report.
Product: Student loan

Hello, I recently applied for XXXX seperate things PSLF and the REPAYE program. I was told that I was not eligible for the public service forgiveness and it was like they never received my REPAYE application. Based on where I work, a XXXX helping veterans, it was told to me that I was eligible. I am a little confused on that. As far as the REPAYE issue, I have applied for it twice. I have heard nothing back, and they just placed me in the standard income driven plan. Please look into this for me.
Product: Checking or savings account

Wells Fargo sent me a promotional email ( targeted ) to open checking account which reads -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Enjoy a {$320.00} checking bonus* Thank you for choosing Wells Fargo for your financial needs. 
To show our appreciation, we want to invite you to take advantage of this special offer a {$320.00} thank you bonus for opening a new eligible Wells Fargo checking account with {$1000.00} in qualifying electronic deposits. 
Only Everyday Checking is available to open from this email. 
How to avoid the $ 10 monthly service fee** Your bonus offer code is XXXX You must use your bonus offer code at account opening by XX/XX/year>. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Following the email, I opened the account. I just stated that it will check from social security administration. which I agreed.

Even then my application was rejected. 

If wells fargo has to reject my application- why they sent me a targeted offer like this?
Product: Credit card or prepaid card

There was a fraudulent credit inquiry that I was made aware of in XX/XX/XXXX with CBNA Sears that happened on XX/XX/XXXX. I initially called Sears CBNA in XX/XX/XXXX when I conduct my annual credit report check and was made aware of the fraudulent activity, and was transferred around multiple times by different representatives getting the run around, I was told to mail my police report to the CBNA Sears office in South Dakota, and now they are asking for a account number that does not exist as the store card that was fraudulently applied for in my name was denied. I mailed out the letter and waited a few weeks for a response from Sears ; I received a letter from CBNA Sears XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX on XX/XX/XXXX, the letter stated that since I did not have a account number they could not process my request to have the hard inquiry for a Sears Store Card removed from all of my credit reports. I sent them a police report stating I was a victim of identity theft and they are not handling the situation at all. I want the fraudulent credit inquiries removed from my credit report on all three credit bureaus. 

Thank You
Product: Debt collection

I was served with a court summons for a debt originally with XXXX XXXX. First, Portfolio Recovery Associates , LLC never contacted me whatsoever prior to this court summons. I received not a single call, email or mail correspondence from them and they provided no such documentation in the court documents. Second, I contacted XXXX XXXX over a year ago, in roughly XXXX of XXXX to report a fraudulent line of credit and charges that occurred out of state that were not mine. I was told by XXXX XXXX that the account was closed with a XXXX balance ( I was also told this by XXXX XXXX yesterday XX/XX/XXXX ). I have been locked out of this XXXX account for over 2 years therefore having no view of any additional activity that may have occurred and Portfolio Recovery Associates , LLC also provided no such documentation in the court documents they had me served with. I have no access whatsoever and have not had so, to any itemized list of charges for at least 2 years. After investigating this more on XX/XX/XXXX, Portfolio Recovery also added a {$5100.00} debt to my credit report, again after never contacting me about this! 

I did not open a line of credit with XXXX XXXX whatsoever and both this line of credit and the charges, especially out of state charges, as due to identity theft. I report was filed with the FTC Identity Theft Dept. and the report number is XXXX. A complaint was also filed here against XXXX XXXX for mishandling this situation over a year ago. 

I spoke to XXXX, Manager of the XXXX XXXX Fraud Department yesterday, XX/XX/XXXX, with an employee ID of XXXX who apologized for this issue as again, he showed my account was closed, showed a XXXX balance and confirmed I've had no access to the account, didn't even have access to a XXXX XXXX account number ) the only number I have is the last 4 digits Portfolio Recovery Associates , LLC included in their court documents- the full account number hasn't ever been provided to me ). XXXX XXXX has once again opened a claim as fraud and advised I'd receive a letter from them confirmed the investigation is underway. The results of the investigation, however, can take up to 60 days. 

I attempted to reach out to Portfolio Recovery Associates to inform them of this situation and they will not take my call. As soon as someone answers, they hang up on me! I don't have an email address that I can find to reach out that way.
Product: Debt collection

Ally financial continues to call my home and cell phone number to collect a debt from someone who is not a member of my household. This frequent and repeated calls happens multiple times a day despite me telling them that I do not know where this person is or how to find them. I tell the representatives of this company not to call me again but they continue to do so even though I have no information to provide them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus Experian, XXXX, XXXX regarding the following accounts. 
- XXXX XXXX XXXX- this is not my account- {$4900.00} - XXXX  - this is not my account- {$11000.00} - XXXX  - this is not my account- {$9600.00}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous items in my report. You must correct and update these items that were opened without my knowledge, consent, or authority within XXXX business days.These items are damaging my file and needs to be updated or deleted. 

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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

I canceled my XXXX XXXX XXXX XXXX XXXX service in XXXX and switched over to XXXX. During that switch over their was a problem with XXXX XXXX XXXX switching my home phone number over to XXXX. I could not cancel my XXXX XXXX XXXX service until this was completed because of my age and health, I nee a land line. A day after the phone number was switched I cancelled by XXXX XXXX XXXX service. XXXX XXXX XXXX continued to bill me for service that I did not want, need or used during this time. I contacted them numerous times and one accounts supervisor said he would reverse the charge and close out my account. This never happened and my account was turned over to Credence XXXX XXXX debt collector ). I received a letter from them trying to collect this unpaid balance and I wrote back and explained the situation to them. During this time Credence reported by account as delinquent even though it was being disputed, {$250.00}. My credit rating has dropped from just under XXXX to XXXX because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint regarding the removal or blocking of these items : XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The aforementioned items 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 or items in my credit record that came about due to alleged fraud or extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX New Mexico XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. After reviewing my report, I have found several items that I believe are inaccurate and do not belong to me. 

Firstly, I am unaware of an account with XXXX XXXX XXXX  ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I request that it be deleted from my credit report. 

Secondly, I have no recollection of an account with XXXX XXXX XXXX ( Account Number : XXXX ). Therefore, it is not possible for you to update an account that I have no recollection of belonging to me. I demand that this account be removed immediately from my credit report. 

Thirdly, I can not recognize the business of XXXX XXXX ( Account Number : XXXX ). I request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Fourthly, I have no recollection of an account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Additionally, I have no recollection of authorizing credit inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand that these inquiries be removed from my credit report as they were not authorized by me. 

Lastly, to the best of my knowledge, my account with XXXX XXXX XXXX ( Account Number : XXXX ) has never been paid late. Therefore, your reporting of my account is completely inaccurate, and it is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

I would appreciate your prompt attention to these matters and request that you provide me with written confirmation once these issues have been resolved. Thank you for your assistance in this matter. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX XXXXas me at a score around XXXX That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I tried to dispute 2 accounts on my credit report but the information was not removed. Portfolio Recovery Services obtained debt from the original creditor by purchasing debt for less than what I owe.

Portfolio Recovery Services did not validate debt properly and did not provide source of debt and how much they purchased the debt for from the original creditor.

Balance is therefore not accurate