23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXFORTIVA Original creditor : I have no idea how this company got my information. I never agreed to any services or products with this company. I tried disputing this with credit bureau, but corrections never made. After several harassing calls to my phone during unlawful hours and on holidays I repeatedly asked them to stop calling me if they were unwilling to send me proof of any agreement for services with them. They refused to send me any account information or signed agreements. The refuse getting supervisor on the line and refuse to transfer to an American call center. As a result this has caused continued harm to my credit reputation.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that the account for XXXX XXXX XXXX XXXX  is still being reported, despite my multiple prior disputes. This account has been deleted and re-reported on my credit report at least four times, which is a clear violation of federal law.

According to 15 USC 1681i ( 5 ), you are required to : Immediately delete or modify any information that is found to be inaccurate, incomplete, or unverifiable during the reinvestigation process.

Notify the information provider that the information has been modified or deleted.

Additionally, under 15 USC 1681e ( b ), Experian must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports.

15 USC 1681s-2 clearly states that an information provider must not report information if they know or have reason to believe it is inaccurate. If a consumer has notified the provider about the inaccuracy of certain information and it turns out to be inaccurate, the provider must not continue reporting it. 

Inaccuracies in the XXXX XXXX XXXX XXXX account : The account was supposedly repossessed with only 30 days of late payment, which is highly unusual and goes against standard industry practices. Additionally, a proper repossession process under the Uniform Commercial Code ( UCC ) was not followed. 

This account was opened on XX/XX/year>, a date when I did not reside in the United States, which suggests a possible case of identity theft. 

The company XXXX XXXX XXXX LL is listed as a scam and has not responded to any of my verification requests, nor has it provided evidence or required verification methods in any of the times I attempted to contact them. 

I firmly and immediately request that this account be permanently deleted from my credit report and blocked from being reported again, in accordance with 15 USC 1681c-2, which establishes the right to block information in cases of identity theft. 

I demand that any attempt to re-report this account be accompanied, as required by law, by prior notice and a valid method of verification by both companies involved. Any further non-compliance could result in legal action to protect my consumer rights. 

I look forward to a detailed response regarding the actions taken as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax score dropped from XXXX to XXXX for NO reason, all my bills are paid on time, nothing derogatory, I asserted that because of fraud there were accounts opened in my name, I provided the police reports and my score dropped
Product: Credit card or prepaid card

I have a frozen account with Venmo. I have made multiple calls and emails trying to find out why with no answer. I would like my money and to know why my account is frozen. It has been almost 2 weeks with no answer. I have verified my identity. The email address on file for venmo is XXXX. I no longer can access that account and the new email is XXXX XXXX
Product: Mortgage

I made the second to last payment on XX/XX/year>. At that time after the payment my principal balance was {$130000.00} and the interest rate is 2.375 %. I made the XXXX due date payment on XX/XX/year>. When the payment was posted I was charged the same amount of interest as if I had waited and made the payment on XX/XX/year> or {$270.00}. The amount of interest should have accrued for 14 days is {$120.00}. So, they charge the same amount of interest eve if you pay early. 

My loan was sold to Freedom Mortgage fairly recently. I was aware of their reputation and am watching my loan closely. When I talked to them today, they explained that is just the way they do it. So realistically I could pay 10 payments today by making each payment separately and they would collect the amount of interest that would have been due on the date those payments were scheduled. 

What should happen is that I should be charged the actual amount of interest that accrues on the current principal balance for the number of days since my last payment. If this is how they are handling everyone 's mortgage they are collecting millions of dollars of interest not due and actually charging people resulting in a much higher interest rate than allowed.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX i noticed two withdrawals each a little over {$1000.00} withdrawn from my joint checking account done at a XXXX and XXXX XXXX XXXX XXXXXXXX in XXXX, MA. immediately i reached out to my partner and was notified that over the prior weekend my partners phone drivers license all banking cards and banking information had been stolen. the individuals then on XX/XX/XXXX transferred {$8000.00} dollars from a savings account a proceeded to withdraw a total of {$2000.00}. a claim was reported with capital one bank XX/XX/XXXX and i was told all cards had been locked by capital one. XX/XX/XXXX i woke up to a XXXX negative balance after being told my cards were locked the day prior that balace was too disputed. fastforwarding to today XX/XX/XXXX capital one denies all claims due to login activity and electronic activity. i am declaring that capital one has not done a thourough investigation into my claims and has made false staments and has not stuck to their words. my account is fdic insured so any claim of fraud should be reinsured up tp {$250000.00} i do not want to bring litigation against capital one but i will if i have to
Product: Credit card

XX/XX/year> Wells Fargo abruptly closed my credit card account without warning. I found out from a deluge of texts and emails from various subscriptions and purchases that my card was not able to be charged. I use this card for all purchases and have been paying down the balance. I was counting on the card for major purchases in the near future. Because it was closed without warning I missed payments for a few XXXX services that I am now not going to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account XXXX XXXX   XXXX with Experian and XXXX for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient student loans My student loans from Navient I have two And my three XXXX students loans From XXXX I apply for a student loan forgiveness program And all of my loans has been forgiven so its XXXX All payed off Navient XXXX XXXX Department of education
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX XXXX  was never been late as mine account they have to be changing this account with the other people ... this is e big mistake..
Product: Credit card or prepaid card

A few months ago, Citgo / Synchrony changed their complete credit card system including the rewards that are offered. They now say that it takes 2 to 3 billing cycles to reflect the rewards that should be applied. On my statement of XX/XX/XXXX, my rewards were shown for my purchases during the month of XXXX and I was not given my rewards of previous months. Now in my XX/XX/XXXX statement there are no rewards credited to my account for XXXX ; nor for any previous months. I am owed many credits for previous months purchases as well as current. If XXXX 's statement showed my credits, my should statements since XXXX and going forward not reflect applied credits. Citgo / Synchrony is transacting fraudulent practices. 
I have contacted them recently and once before about missing rewards and nothing is done.
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 rights to privacy and confidentiality under 15 USC 1681. 

The XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy if the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consume, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the fie of the consumer, or modify that the information as appropriate based on results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the infrmation is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing complaint against XXXX and TransUnion for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the Court Clerk they do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.
Product: Credit reporting or other personal consumer reports

Experian, Equifax, & TransUnion credit agencies are displaying the presence of certain unauthorized inquiries on my credit report, which I know were obtained without my consent. The details of the inquiries to be removed are, as follows : XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX, 2024 ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX XXXX ( XXXX XXXX, 2024 ) XXXX. XXXX XXXX XXXX ( XXXX XXXX, 2024 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have always paid on time as agreed. However due to the recent worldwide Pandemic COVID-19 impact, XXXX shows me as XXXX  days late on my XX/XX/2021 Payment because of previous hardship buildup made it a difficult year for me. XXXX XXXX claimed my payment did not process on XX/XX/XXXX so I went into XX/XX/2021 and paid them again manually on XX/XX/XXXX for XXXX and paid them for XXXX 's XXXX on XX/XX/XXXX thus making me clearly up to date on everything as of now. Whether they processed the payment or not the issue is that my hardship was due to a Global Disaster ( AW ) caused by the Pandemic. Not only do I think I deserve some assistance in removing the late they recorded on me, I also think they received their money on time and the late is in error. However when I reach out to both the credit bureaus and the loan company they brick wall me and don't help. Please help me.
Product: Debt collection

My purse was stolen a few years back with all my personal indentification and other belonging inside of it. As a result I believe this account was opened because I had no idea of the account until one day when a package came that was returned to the post office to send back to sender. I called XXXX 's multiple times informing them of the inaccuracies and the rep mentioned that I would still be responsible for the shipping and late fees which I refuse to pay being that the account was fraudulent opened and their merchandise was returned. I have a police report to prove my purse being stolen causing identifying theft to be possible.
Product: Credit reporting or other personal consumer reports

Unfortunately I checked my credit report on Experian credit reporting agency and I saw an ( account # XXXX, date opened : XX/XX/2022, balance : {$2600.00}, original creditor is : XXXX XXXX, this account is in direct violation of the fair credit reporting act sec 603. Definitions ; rules of construction [ XXXX XXXX. XXXX ] XXXX ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chime credit repair company I called them to delete my account because I don't have access to my account due to me losing my credit card. I spoke with a representative and they tired to open a new account do to me not having access to my old account via online. All the Info that I gave them which was my address last four of social security number and name and birth date was correct they continue to ask for a picture of me so they can verify me through email which was suspicious activity to me so I asked them to simply delete my account which they would not. I would like my account delete from chime and to not use their services or have my info given out to them. You an contact me back at XXXX or by cell at : XXXX Thanks in advanced
Product: Credit reporting or other personal consumer reports

EVEN THOUGH EQUIFAX HAVE BEEN SUPPILED WITH IDENTITY THEFT PAPERWORK ACCOUNT XXXX XXXX XXXX THEY CONTINUE TO FURNISH THIS ACCOUNT! ALONG WITH TWO OTHER ACCOUNTS THATS REPORTING INACCURATE! XXXX XXXX XXXX REPORTING DEROGATORY WHEN ACCOUNT WAS PAID AND IT STATES PAID CHARGE OFF, PAYMENT HISTORY STATES LAST PAYMENT DATE BUT EQUIFAX REPORTS STATES PAYMENTS OK. XXXX XXXX  XXXX LOOK AGAIN AT LAST PAYMENT THEY LOOK AT PAYMENT HISTORY! DIRECT VIOLATION OF FCRA SECTION 602, ( 15 U.S.C.1681 ), ( 15 U.S.C. 1681 C-1 ), ( 15 U.S.C. 1681e ) ( 1681G-2 ) SECTION 623 ( a ) ( 2 ) ( a ) SECTION 623 ( A ) ( 1 ) ( C ) This is a direct violation of my rights And I'm fully prepared for litigation on this XXXX XXXX MATTER PRE ARBITRATION WILL BE IN THE MAIL FCRA 1681 G-2 CLEARLY STATES THE RULE THEY HAVE CONTNUED TO HARM MY REPUTATION, CREDIT WORTHINESS, BEEN FIGHTING XXXX YEARS ENOUGHT
Product: Payday loan, title loan, or personal loan

Received a title loan form XXXX, in meantime my car was totaled. XXXX was informed and repossessed the car. Was sold at auction, and status or amount still owed has never been tallied or given to myself after several requests. nor can i get accurate info when calling
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting or other personal consumer reports

Several inquiries were made in my name on all 3 credit bureaus beginning XX/XX/2023. An XXXX XXXX credit card was approved in my name although I never applied for it and I never requested these inquiries on my credit. I received an alert from my bank and then an email stating the credit card was on its way. I notified XXXX XXXX that this was a fraudulent request and the card was cancelled before the thief even received it in the mail, although they had already activated it online. I correct the email address and phone number Experian had listed for me since it belonged to the thief and not me. I activated a security freeze on my Experian and XXXX accounts so far.
Product: Credit card

I have been attempting to cancel an XXXX XXXX credit card administered through Bank of America to no avail. I tried to cancel XXXX by writing a letter but that did not work. I returned the credit card but two months latter I was sent a new XXXX. I did not activate the new card but was sent an annual bill for which I did not pay. Now B of A is billing me interest on the annual bill for the non-activated credit card.
Product: Checking or savings account

The bank opened my account TWO Days ago yesterday I was able to put money into the account but today I can not remove it
Product: Debt collection

I disputed a debt for an apartment rental where the lease was terminated prematurely by the co-occupant, 1 month prior to the expiration of the lease. I never actually lived in the apartment. I was simply the guaranteer, but was required to sign a lease as well. It was sent to a Rental Recovery Solutions, XXXX. I asked that, in addition to a copy of my lease, and an itemized list of alleged debt, I ask that they provide a copy of the co-occupant lease signed by the co-occupant, as well as a copy of the 60-day notice to vacate that I provided. The Recovery company did provide an itemized list, the last page of the lease with my signature, but no other part of the lease. Nor did the company provide me with a copy of the 60-day that I signed, or a copy of the co-occupant lease. They are also charging me a fee of XXXX for rental insurance. I received XXXX phone calls from this company, and each time, I have informed the company that I was recording the converstion. Each time, I was told that I either had to agree to not record the call, or they would no longer speak to me. I refused to agree to such request, so they then hung up each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a receipt from Venmo for a payment to XXXX for {$96.00}. I did not make this payment ( and couldnt, Im actually traveling in XXXX ) so I filed a dispute. They denied my dispute, saying it was consistent with my transaction history despite not using Venmo to pay for XXXX for over a year and never for more than ~ {$30.00}. They provided no details despite my repeated requests. I filed a second dispute and they denied it again, for the same reason. I have been unable to get anyone to share their methods for denying this dispute, whether or not they contacted the vendor, etc.
Product: Credit card

I received a phone call from Chase Bank ( XXXX ) XXXX stating a credit card was opened in my name. There was a charge for XXXX with XXXX XXXX and also they were asked to change my address to XXXX XXXX Tx.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tennessee XXXX Date : XX/XX/year> Credit Reporting Agency Name : the credit reporting agency : Equifax, XXXX, or XXXX ] Subject : Formal Dispute of Collection Account XXXX XXXX XXXX ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX with the account number XXXX. I have identified inaccuracies and incomplete information associated with this account that warrant immediate investigation and resolution. 

According to the Fair Credit Reporting Act ( FCRA ), I request an immediate block and verification of this account until the alleged debt can be fully investigated and validated. Specifically, I dispute the following inaccuracies : 1. Balance discrepancies : The current balance listed as {$4400.00} differs from the original balance of {$4000.00} without adequate explanation or justification.

2. Payment history errors : The repeated listing of Collection statuses for overlapping periods ( e.g., XX/XX/year> and XX/XX/year> ) reflects a potential data reporting error. 
3. Verification of debt ownership : I have not received proper documentation verifying this debt, nor have I been provided with any evidence of my liability. 

Given these inaccuracies, I request the following actions under the FCRA : 1. Immediately investigate the validity of this account with XXXX XXXX XXXX. 
2. Block this account from being reported until the investigation is completed and any inaccuracies are corrected. 
3. Provide me with detailed verification of the debt, including a signed contract or agreement and an itemized statement of the charges. 

I have attached a copy of my identification and proof of address to assist with this process. Please resolve this matter within 30 days of receipt of this letter, as required by law. If the account can not be verified, I request its permanent removal from my credit report. 

I expect written confirmation of your findings and actions taken. You may contact me at the address above for any additional information or clarification. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX