23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have a have inaccurate accounts on my credit report and I need it remove, by law all the accounts must be accurate with the same info. XXXX, XXXX removed/changed some accounts this cause inaccurate info on my credit report, what I need remove. 

I need all the accounts that I provided in the ( ATTACH DOCUMENT TAB ) REMOVED
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX has been stalking me. They call my house and cell and say theyre going to contact my job or they have. Im in maternity leave. Its a Robo call threatening to sue me and find me at my job. I finally called them back last week and spoke to a XXXX XXXX. She said look for your documents in the mail our records say otherwise when I said I dont owe anyone. She said I owe CitiBank. Ive never done business w them. I asked for the company name and she gave it. I asked for a mailing address and she refused. 

Today!!! They called again so I called Citibank directly. They have no record of me using my social ( as I expected ). They told me not to give out any info Bc its probably a scam. 

My issue is I want them to STOP calling me. The number they leave is XXXX. The case number they leave is XXXX.
Product: Credit card

rec e mail my pymt was return from the bank, my cr union said that capt one never took the money out.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : FIRST COLLECTION SVCS XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from MACYS DSNB that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. They finally respond back to me XX/XX/XXXX, see attached, informing me that they will contact me with the result of their investigation once it is completed. It is now XX/XX/XXXX and I have not received their result and they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that MACYS DSNB is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX, XXXX, and Transunion on XX/XX/2023, XX/XX/2023, and XX/XX/2023 and have not received a response. As a result, they are in volition of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of XXXX  for double dipping.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX on XX/XX/XXXX with XXXX ( XXXX, Tx ) and they used Santander Consumer USA for financing ; and still have an $ XXXX balance on the account as of today XX/XX/XXXX. So far today, I have paid a total cash payments of {$31000.00} on a {$22000.00} loan. The total {$22000.00} of the {$31000.00} cash payments has gone to interest only and is still showing a balance of {$11000.00} on the account. The interest rate is showing to be 18 %. I have asked for help to resolve this matter in help reducing the interest rate and showing how each payment is applied to my account if the interest is calculated per diem. Instead Santander sends out letters to accelerate my account due the struggles of paying for my auto. I believe Santander Consumer are demonstrating unethical practices and with the recent {$550.00} Million Settlement over alleged deceptive auto loan practices does not surprise me not one bit.
Product: Debt collection

On XX/XX/2022 Midland credit have been sending me bills speaking about a balance for a previous credit card and the amount of {$520.00}. Every month I send them {$20.00}. On XX/XX/XXXX I had called in to see what the amount was that I could pay it off. They offered me a deal of {$470.00}. I then had to go to a friend to borrow the money I loaded it on a prepaid XXXX card. I called them back and gave him the information on the card along with the security. They kept saying that they didn't receive the amount ended up the card was declined. When I had called the cord later within XXXX minutes the card had been completely drained and was spent at numerous places like walmart.com. the people told me that they were with Midland credit they even gave me an account number and everything. I have no idea on what to do next. And they recently sent me another bill for a {$20.00} due by the end of the month the difference is now it's a different XXXX XXXX XXXX they have sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report and supplied it to Equifax, XXXX, and XXXX. I have filed my FTC identity theft report as well. They refuse to remove these accounts that are clearly Fraud!!!. I have asked these companies to validate this debt and they can not!! But when I submit it to the credit bureaus to fix it somehow comes back verified how? This timeshare account which is definitely not a mortgage keeps coming back to me when my ex-husband opened the account, not me. I have shown all 3 credit bureaus to fix this and they will not. The company has already been reported to the FTC for its shady practices but, the credit bureaus won't help me at all. They have reported this on me but not my ex-husband the person who actually open the account. These things clearly violate my rights under the FCRA. I want this gross neglect fixed ASAP. Here are the accounts in question : XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX Original creditors : XXXX XXXX, XXXX XXXX XXXX, and XXXX bank. I want to add the police arrested the individual who did this to me as well. He was arrested in Colorado while I live in California. He not only had my information making fake driver 's licenses but he also had the information of over 50 people doing the same to them. I have supplied enough proof to show this isn't my information. I have over 100 fraud inquiries as well that they won't remove. 


I would like to add Equifax has already deleted the following account but the other 2 credit bureaus have not : XXXX XXXX XXXX this company has lied so many times and reported wrong as well. this account actually belongs to my ex-husband as well not me!!!!!! 


My next step will be legal action against the credit bureaus and these credit furnishers if these errors are not fixed within 30 days as per my right under the FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting or other personal consumer reports

I filed a dispute on forest recovery services ACT # XXXX due to inaccurate information and XXXX denied to follow up with the investigation. I was recently notified that the CFPB has a lawsuit pending against XXXX. They alleged the company of accepting unreliable information, failure to notify accurate and thoroughly investigated consumer dispute results. All of this aligns with my problem as XXXX has not attempted to remove or correct any of the information on my consumer report. I'm requesting that this derogatory remark be removed as this is had been a major impact on my chances of getting a house, credit card, car, etc. XXXX has violated my rights as a consumer as well as federal laws.
Product: Debt collection

Since XX/XX/XXXX, a debt collection company named " Community Loan Servicing LLC '' has been contacting me repeatedly by phone and U.S. Mail. They are attempting to collect on an extinguished debt, which has been resolved years ago, by my XXXX XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA, XX/XX/XXXX. 

Even though Community Loan Servicing acknowledges the Court Discharge ( in writing ) they continue to violate the rule of law, my Court Discharge Order, by making repeated attempts to contact, threaten, and harass me. They have repeatedly violated the FRBP, which carries heavy fines.
Product: Credit reporting, credit repair services, or other personal consumer reports

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -what to write -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name # has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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

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

I applied for PSLF in XXXX of XXXX. Millions of people have received forgiveness since that time for much larger sums than I owe. Ive been given the run around by Mohela and Federal Student Aid. Each agency points their finger at the other. Ive provided my payment counts direct from XXXX of my payments to them and services before them since XXXX. Ive never missed a payment in almost 20 years. I just want my loans forgiven. Please, help me.
Product: Mortgage

Bank of America, has not dealt with our loan modifications in good faith. In the past, they claimed the investor never approved the loan modifications. On XX/XX/XXXX, Bank ofAmerica responded to our complaint, and they claimed I filed for Bankruptcy ( BK ) protection in XX/XX/XXXX. I did not file for BK protection in XX/XX/XXXX. Furthermore, my attorney has researched the federal records & my name does not appear in the federal BK database for this period. In the same letter, they claimed to have granted a loan modification on XX/XX/XXXX, which was not accepted by me. It would have been impossible to accept their offer since we never received their letter with their favorable decision. 
I would have accepted their proposed modification immediately upon delivery. I have invested time and capital to secure a modification, it is not logical to for us to not respond to a favorable offer. At this moment, I request Bank of America to reinstate their offer and mail the notification via certified mail. The foreclosure of our home would have a devastating impact on our extended family. Please treat us fairly and negotiate in good faith.
Product: Credit card

Im sure my payments are always on time, so its confusing that Im marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " paid as agreed. ''
Product: Debt collection

This DCI is trying to collect on a debt that is fours years old which belongs to XXXX XXXX XXXX XXXX. I talk to XXXX XXXX XXXX an the debt was paid as a result of a chargeoff. I complained to XXXX XXXX XXXX about there services which I found unsatisfactory and refused to pay due due to there services and call center which did not let me disconnect services. I tried to pay half of the bill but due to my unsatisfactory view was told it would be chargedoff. My credit does not show XXXX XXXX XXXX but DCi filed like if I had an account with them. I did not give permission to XXXX XXXX XXXX to sell my account to DCI.
Product: Debt collection

My name is XXXX XXXX I got a letter in from yall today saying I own a debit to XXXX for {$300.00} I need to dispute the full amount as not valid and not the right amount Reference our account number is XXXX.
Product: Debt collection

Pro Collect has been sending me multiple letters for a debt that is not mine. I have contacted the company several times ; however, they are stating they can not remove the debt from my credit reports unless I agree to pay or take one of the settlement offers they have made. I have also contacted the original debtor XXXX XXXX and they are stating that they have no information on file and that I would need to contact ProCollect Collection Agency. 

I have been dealing with the company for almost 2 years and they have yet to provide me with any type of validation in regard to the the numerous request that I have made.
Product: Checking or savings account

Today Thursday XX/XX/2023 I am realizing that all my bank accounts that I have at Bank Of America have been closed and I called to find out the reason and the only response was that the bank made that decision and I can't do anything. 
My personal and business account are inactive and as a consequence I am in a financially critical state to be able to operate my company, generating serious consequences for me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

A couple of years ago I got notified that new accounts were open on my credit report. After viewing these accounts, I find out multiple student loan accounts were opened in my name without my permission. I have been fighting with the company about this. They have submitted multiple and multiple cases but no one ever responds or gives me an update. I have went to the credit bureaus to try to get these accounts removed and they have filed dispute after dispute. One of the bureaus removed all the accounts but Im having so many issues with the other two removing these fraud accounts from my reports.

Whats crazy is I have access to the creditors online account to view all my fraud loans, and of course Im having to make payments to keep these fraud accounts from not hurting my credit more then they already have.

This has been a complete battle. Dealing with the bureaus have not been easy or dealing with the company. Im hoping by reaching out to you guys maybe just maybe after years and years you guys maybe can help fix and resolve this.

Ive asked the company multiple times to provide proof of this loan, provide proof that I signed for these loans. They havent and wont because there isnt any proof because I never signed for any of these loans. Its fraud. Its not okay, and its hurting my credit and keeping me from purchasing a home because they are counting this debt against me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Negative Items on My Consumer Report Dear TransUnion, I am writing to dispute the following negative items that appear on my consumer report. I am requesting that you validate these items and provide me with the method and source from which this information was obtained. 

The specific items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and provide me with the verification of the accuracy of these items. Please provide me with the following information for each disputed item : Date of the negative item. 
Name of the creditor or lender. 
The original source of the information. 
Full details of the negative item, including the amount in question. 
Proof that the negative item is accurate and verifiable. 
If you are unable to validate the accuracy of the negative items, I request that these items be removed from my consumer report immediately. 


Thank you for your prompt attention to this matter. I look forward to receiving your response and the necessary validation for the disputed items. 

Sincerely, XXXX XXXX
Product: Credit card

These cards are over 20 years old I am getting calls and collection letters when HSBC gets contacted they don't have records how not they transferred these cards to XXXX  XXXX but the calls I am getting is for HSBC kind of confused. I have the account number for my XXXX XXXX card but for the HSBC card ending in XXXX I do not have the full account number. This needs to be taken care of they are not no longer onmy credit report Accounts XXXX for the XXXX XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries that are not mine. They are the following : CREDIT INFORMATION S DATE : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX DATE : XXXX XXXX 2019
Product: Credit reporting or other personal consumer reports

I am writing this complaint against Experian. I have been notifying Experian for the last two months that they have reported my XXXX XXXX XXXX credit account close twice on my credit report which has tremendously affected my XXXX XXXX. Account number XXXX is being reported as closed twice on my credit report. This account was compromised back on XX/XX/XXXX. I attached a screenshot showing that this account was closed in good standing with exceptional payment history on XX/XX/XXXX. Recently in XXXX of XXXX, XXXX XXXX XXXX XXXX  accidently reported this account as active and past due. I am unsure how this happened. I contacted XXXXXXXX XXXX XXXX XXXX and notified them of the error on my credit report. A supervisor named XXXX informed me that she would reach out to all 3 bureaus and inform them of the error involving the past-due statement and the account being reported as recently closed. The derogatory past due statement has been removed, however, the account is now reflecting close on two different dates the original date which is XX/XX/XXXX, and the second date is XX/XX/XXXX. XXXX stated that they provided Experian with the necessary documentation to make the correction.
Product: Debt collection

I SENT THIS COMPANY A LETTER DISPUTING TWO CHARGE OFF 'S THEY CLAIM IS MINE AND THEY DID NOT SEND ME INFORMATION VALIDATING THAT IT IS MINE.
Product: Checking or savings account

BMO Harris Bank opened an account in my name without my permission. I called them and they told me that account has had some activity. I asked them what it was in case the account was opened by one of my lenders and I just did not realize it. ( my auto loan did that ) and they would not give me any information about the account. Operating in the blind I was forced to talk to the fraud department to TRY to get this cleared up. They are asking me if this is really fraud, how can I know without knowing the activity? They refused to share any information about an account that was ( in their eyes ) MINE but want to me make important decisions blindly. 

now I wonder if this account was used for money laundering under MY name and still can't get any answers from them. They hung up on me saying I was getting argumentive. ( It seems like they were just saying that to give themselves cover to justify hanging up on me. ) How can they open an account in my name without my permission? how can they refuse to share information? Maybe THEY are part of the fraud like XXXX XXXX XXXX XXXX? 

This is fraud, it was done by them as far as I am concerned. All attempts to get information was blocked by them. 

My problem is still unresolved. BMO Harris Bank hung up on me before resolving this problem making sure that this fraud will continue to their benefit.