23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I opened a retail credit line with XXXX XXXX through XXXX XXXX. for 2 years and 6 months straight i never missed a payment. On XX/XX/XXXX somebody used my identity and maxed out my credit card with XXXX XXXX ( {$1300.00} ) I called XXXX XXXX to dispute the charges made and was told by the fraud representative that the investigation was successful and after investigation I had not made those charges. After 3 months of back and forth calling to remove the balance of the successful dispute XXXX XXXX sold the account to a collections agency named Midland Credit Management. This company has repeatedly called me at all hours of the day harassing me to pay a debt that is not mine. I changed my phone number 2 times and still they somehow find out my phone number and call me. I have told them multiple times that this is not my debt and they do not listen. I have disputed this charge on all XXXX credit bureaus with no end results. This account is listed on all XXXX of my credit reports as a XXXX Charge off reporting negatively even after I was told that it was taken care of. I 'm tired of being harassed over this when i never made the charges to begin with.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2024 I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent this letter on XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

Creditor : XXXX XXXX XXXX Account # : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX for Equifax, XX/XX/XXXX for XXXX and nothing for XXXX Creditor : XXXX  XXXX XXXX Account number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX Equifax, Closed date XX/XX/XXXX Equifax. XX/XX/XXXX last activity, XX/XX/XXXX closed date XXXX. 

Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX Equifax, XX/XX/XXXX XXXX and no date for XXXX. 

Creditor : XXXX XXXX XXXX Account Number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XXXX XX/XX/XXXX, Equifax has no date nor does XXXX. Closed Date is different, XX/XX/XXXX Equifax, XXXX XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Never sent a updated copy of my consumer credit report reflecting the corrections.
Product: Credit reporting or other personal consumer reports

I was made aware that they are some closed accounts showing on my credit report, upon investigating I found out that they were not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts were opened XXXX XXXX XXXX XXXX XXXX, I have reached out to the companies, collection agencies, credit bureaus, and asked for some proof of purchases, dates, contracts, or signatures, to this date i have not received any response, I then went to the police station with the evidence showing XXXX XXXX XXXX XXXX when all this was happening and filed a police report which i have included along with a copy of my drivers license showing my signature in hope you can get the companies, credit bureaus or collection agencies to match it or show some sort of proof that these account are mine, which I know will be impossible because they are not mine, I hope you can assist me in getting this resolved and my credit cleared of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus reported back to after my initial complaint back in XX/XX/2023 that my account was properly investigated and reported accurate, which is impossible because as of my most recent credit report XXXX XXXX account # XXXX The Amount that I owe is report inaccurately The Date opened are all reported inaccurately by XXXX XXXX XXXX , & Equifax XXXX 
The No. of months ( terms ) are reported inaccurately by XXXX, XXXX, & Equifax. 
The High Credit is reported inaccurately by XXXX, XXXX, & Equifax. 
The Last reported is reported inaccurately by XXXX, XXXX, & Equifax. 
The Date last active is reported inaccurately by XXXX, XXXX, & Equifax. 
The Date of last payment is reported inaccurately by XXXX, XXXX, & Equifax. 
Equifax reported OK on time payments from XXXX XXXX XXXX but XXXX reported XXXX XXXX XXXXXXXX for Charge-off from XXXX XXXX XXXX 

I reported this to XXXX, Equifax, and XXXX in XXXX of XXXX  about the violation of 15 U.S.C 1681 section 602 ( A ), 15 U.S.C 1681 Section 604 ( A ) Section 2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information. 

Ive already contacted XXXX XXXX  multiple times and they told me to contact the credit bureau as it is the credit bureau that has violated my rights as a consumer, these inaccurate reports did nothing but hurt me financially with my credit score and the business I have going on, I tried to rectify the issue over 90 days ago to have the information corrected and nothing was corrected but my address and a few other miscellaneous things on the report but nothing from this XXXX issue and over 90 days is unacceptable this is grounds for a lawsuit against the credit bureau Im making last effort to request the credit bureau now remove the account associated with my name as I have contacted to XXXX company and they said if the account is going to be removed it has to be done by the credit bureau because my credit report accuracy issue is with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.
Product: Student loan

This is not my loan and I did not take this loan out. 
This is a fraudulent loan and this is not my signature or my date of birth nor my ssn I have sent in proof to the collection agency who is trying to garnish me as well as the servicer/lender of this loan. 
I have submitted multiple documentation explaining and proving that this was not my loan, not my address, not my ssn, not my date of birth and not my loan. 
Please help me resolve this as I am having difficulty with the collection agency and servicer about getting this resolved and discharged. 
This loan was taken out the same time I was enrolled in a different school in a different state. I can not be a two places at one time. 

THIS IS NOT MY LOAN!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I noticed XXXX fraudulent accounts on my credit report. One from CAPITAL ONE, account number XXXX with charges of {$440.00}, and another fraudulent accounts from, XXXX XXXX, account number XXXX with charges of {$950.00}. These accounts were not authorized by and and are fraudulent. I will be filing a lawsuit. I fill out a FTC report for identity and sent the paper work to said company, XXXX, which had reported the fraudulent account on my credit report to take it off.
Product: Debt collection

I had XXXX XXXX years ago, after having someone else on my account who could not afford the bill our services were cancelled. They sent my account to Pinnacle Collections Agency. In XXXX I settled my account in hopes of having a closed status on my credit report. I was told that I would receive a letter after 30 days but need to make sure to call back to get the letter. I paid off XXXX other debts with XXXX other agencies who immediately reported and had the accounts closed. My credit score shot up XXXX points with those XXXX. I waited almost 30 days for Pinnacle to show my account as closed. I contacted back couple of days before 30 days and was transferred to someone else, they advised me I would have a letter within 2 weeks and it would show on my report after 30 days. A little after 30 days the account showed a {$0.00} balance but still " open '' status on my report. I contacted Pinnacle again due to still not getting a letter and the account still showing open. They assured me that it 's on the credit bureaus end and could take up to 90 days and they were " behind '' on their letters but they were mailing it soon. I am now at 90 days since paid, my account STILL shows open, and I have STILL not received a letter. I settled my account for XXXX. If I knew they were not going to report correctly and be completely out to XXXX people forever I would have paid off many more debts with my money. My account needs to be closed and reported CORRECTLY to the bureau. I have disputed this twice now with the bureau that keeps coming back that it 's valid because of the way they are reporting it. This company has been reported numerous times for their shady tactics and not reporting properly. This needs to finally be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has denied my dispute for the following company XXXX XXXX XXXX XXXX XXXX XXXX ). This company has an open lawsuit in the state of NY for this reason. Experian is ignoring all the facts put forward by me 1. This account was settled and paid in full and i even have proof of all payments uploaded here. The company XXXX XXXX XXXX which XXXX is representing failed to answer all my phones or reply to my text messages. I have uploaded here proof of the messages. I also uploaded all payments made to them during my lease. They also didn't refund my deposit!! Please see attached text message proof. Hence this account is fraud because my account was closed in full. 

2. The account opened is for an office suite which is under my company XXXX XXXX XXXX XXXX XXXX is office spaces which was renting an office to my company. They collected my personal and business information. This report should be on my business XXXX XXXX and not personal as these are office suites not rental for living. And application was done with my company. 

3. XXXX XXXX XXXX was never authorized to sell my personal information to any creditor only my company information. This is fraudulent that they used my personal information. 

I request that Experian remove this entry by XXXX XXXX
Product: Checking or savings account

{$460.00} was charged to my account this month when I tried to close my Wells Fargo account. There is a savings account that Wells Fargo opened in my name that I have not ever been able to access. When this account is used to pay for overdraft fees for my checking account there is a {$12.00} charge to use the money. I am a XXXX XXXX person that has been taken advantage of by Wells Fargo. Wells Fargo has been charging me outrages fees since I opened this account and every time I have tried to close my account they have made it impossible.
Product: Checking or savings account

Well I was a victim of fraud my debit card and my wallet was stolen out of my car along with my cell phone which has no screen lock and way to much info on it to have it fall In the wrong hands. I reported it as soon as i found out my card? missing because i had to buy another phone because at first i thought i lost my phone but ended up being taken. Wells fargo bank put all the blame on me calling me a liar and not fixing my account after I called to report it stolen ... I was treated like a criminal and my money was never reimbursed .I feel wells Fargo needs to give me back my account and my money and an apology. What makes this whole thing wild is I just deposited XXXX and XXXX who does that if he is going to set up his own account to be robbed? Please let wells fargo know they need to remove these account issues please
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report pulled without my permission of not knowing how severely these actions would affect my credit report. 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written 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 ON THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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: Bank account or service

I applied to get a Checking account with Charles Schwab and to do that I had to open a brokerage account too, which I funded with {$50.00}. What they did n't tell me is that they were gon na do a hard inquiry on my credit and then they declined my account because I 'm young and do n't have much credit history. I could get over that, but they sent me a letter saying that my investment account had been closed as well, and I had already put {$50.00} into that account. Now when I try to transfer my money out it says that account is restricted. I thought it might be a certain waiting period but it 's been more than a few weeks now and I still ca n't get my money. {$50.00} might not seem like much to Charles Schwab, but I 'm a poor college student.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been comprised due to identity theft. I don't know how the thief was able to gain access to my personal information and use my name without me even knowing about it. I'm getting threats from people I don't know and it frightens me. However, due to covid along with being a XXXX  survivor I'm dealing with a lot of stress in my life. I even went to the police and filed a police report I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years, I have been a victim of identity more recently I found out on XXXX my personal information had been stolen and used in a fraudulently workers comp case. 
After this my bank account were hacked and money stolen. Debt collector bought my debt the pursued aggressively. They contacted debts and had some of my accounts closed after being late less than 30 days once XXXX XXXX XXXX XXXX XXXX XXXX The other two accounts I was late once less than 30 days because of a finical hardship. Which I contacted the two companies AMEX and XXXX told them and asked for payment plan - they both denied and started a collection and gave unrealistic payment options, that I could not pay. In XX/XX/XXXX, I refinanced my house to pay those two collections because AMEX sued me in court. In XXXX XXXX I paid AMEX collections department almost XXXX. The original debt was XXXX but with interest went up. I provided all three credit agency copies of court dismissal because I paid. It was suppose to be deleted in the status is reported wrong. " It states written or charged off for the full amount '' even though it was not written off and I paid in full nor will they delete or change that status. It is the Same thing for XXXX. I have XXXX balance but they refuse to change the status
Product: Mortgage

I've already filed this same complaint with your agency and you referred my case to the Office of the Comptroller of the Currency which referred me BACK to you! At this point, I've been going back and forth with you on this matter since XXXX XXXX Who can help me? PLEASE : REFER TO CASE # XXXX OR # XXXX As I said before : As part of a XXXX  XXXX payment plan from XX/XX/XXXX, to XX/XX/XXXX, I provided over {$30000.00} in payments to Citimortgage ( through a Trustee ) and XXXX  did not apply those payments to the loan. XXXX then proceeded to sell my mortgage loan to XXXX and then XXXX Mortgage ( current service provider ) for more than the original loan amount. I made over three years of mortgage payments and was not given any credit for those payments. I feel as if Citimortgage basically robbed me of {$30000.00} and once they changed my loan provider to CENLAR, I had to start from the beginning as if the mortgage loan was brand new. XXXX collected my mortgage payments, kept the money, and never applied all that money to the original loan.
Product: Debt collection

Portfolio Recovery Assiciates, LLC and XXXX have and are in violation FDCPA, FRCA and 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93.
Product: Credit card

Shortly after Synchrony Bank approved me for a JC Penny Card, with a {$500.00} credit line, and an upgrade to the JC Penny Gold card Synchrony Bank notified me in writing that they have XX/XX/2016 that they have lowered my credit line to {$100.00} Currently as of XX/XX/2016 Synchrony Bank is being sued for these deceptive credit card practices, and in my case Synchrony Bank lured me in using the hook and bait method by even upgrading me to the JC Penny Gold Card still only {$500.00} credit line that got reduced to a {$100.00} credit line because they found my credit score was low. My credit score was not checked before they even issued me the plain JC Penny charge card Synchrony Bank has been doing this practice of issuing JC Penny cards than lowering someone 's credit score, even to their own employees as I was told it was done to a JC Penny employee at the JC Penny XXXX Mall. I would think this is not only deceptive but also illegal. Should I have a case an Attorney sees my complaint please contact me immediately as I would definitely go after a lawsuit against Synchrony Bank because it seems they purposely issue JC Penny charge cards and upgrade the charge cards shortly just to ruin their consumers credit. Synchrony Bank needs to be punished like GE Capital was pay hefty fines so they no longer can exist in business and the Synchrony Bank employees be put in Federal State Prison for XXXX or more years. 
My second desired settlement is to give me the higher numbers back on my credit score. And remove information that does not even apply to me like living in XXXX NJ
Product: Credit card or prepaid card

I have a credit card with city with a {$10000.00} balance. I have not made any over limit purchases and I made all of my payments on time. The balance was about {$9500.00}. On XX/XX/XXXX I made a payment of {$3500.00}. The next day they lowered my available balance five {$3500.00}. I have a credit card with city with a {$10000.00} balance. I have not made any over limit purchases and I made all of my payments on time. The balance was about {$9500.00}. On XX/XX/XXXX I made a payment of {$3500.00}. The next day they lowered my available balance five {$3500.00}. They told me that it was a coincidence and it was because of my credit score. I made this large payment to lower my debt ratio, but because they lowered my available balance it neglected what I was trying to do.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Requested onXX/XX/XXXX that my insurance be removed from escrow account. Provided written documentation that I had changed insurance companies, provided new insurance company name and policy number. XXXX statement included insurance in escrow, so I paid in full. XX/XX/XXXX requested update and responded to a XXXX  appraisal stating property only worth XXXX with a XXXX appraisal showing XXXX value. Received XXXX mortgage statement still requesting the insurance payment included in escrow, though I also received a letter on XX/XX/XXXX from Loancare LLC acknowledging my new insurance and stating it is my responsibility to arrange for refund from previous insurance company.