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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$4800.00} OpenedXX/XX/XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a
Product: Checking or savings account

I have been trying to close my account since XX/XX/XXXX when Bank of America placed my account in closure status. I have called at least 40 times, gone into a branch at the direction of the risk department to withdraw my money and was unsuccessful. 

As of XX/XX/XXXX, Bank of America informed me that they were no longer closing my account due to an error made regarding fraud that was not fraud. I was told my account would update overnight and my money would be available the next day XX/XX/XXXX. 

Now on XX/XX/XXXX I call and I'm told Risk isn't the right department, I get transferred to a supervisor who hangs up on me and doesn't attempt a call back. Upon calling back into the Risk department I'm told that they do see the notes and it could take 24 to 48 hours for me to receive the update and gain access to my account and money. Well, it's been 72 hours since that time and nothing. Additionally this has been ongoing withholding my money from me for almost two full  months.
Product: Credit reporting or other personal consumer reports

I received a letter from a collection agency, McCarthy, Burgess, and Wolff, that there was a debt and I had until XXXX to respond via email, phone, and or mail. I submitted an email requesting validation of the debt asking for the contract of the original debt as I did not recognize this account. I have not received the validation of the debt from this company yet they are reporting this on my credit report as collections. They also are showing a past due amount that is inaccurate, not validated, on a closed account. This is inaccurate reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to report that I have been a victim of fraudulent activity. Following thorough research on the process to rectify the situation, I discovered that it is necessary to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies ( CRAs ) are mandated to remove any items listed in an identity theft report, with reference number XXXX. Attached, please find documents supporting the removal of unauthorized accounts and inquiries from my credit report. The following items were opened without my consent : EXPERIAN : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX =========XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), I request the immediate removal of these accounts and inquiries associated with identity theft. Additionally, I request that necessary warnings be sent to all data furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This complaint is my follow-up to my earlier complaint to verify the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer usa has report me incorrectly on my credit 10 times. They ware incorrectly reporting me late can you help me remove this if my credit report?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX the vehicle was involved in a horrible accident and was a total loss. I contacted the lender to inform them on XX/XX/XXXX and I was not given any instruction on what the next steps were. On XX/XX/XXXX I noticed Bridgecrest updated my credit report to repossession on XXXX, closed on XXXX and open on XXXX. 
I reached out to the 3 credit bureaus for them to validate and correct the inaccurate information and the lender has continuously updated the account as correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX  XXXX XXXX account ending in XXXX. These inaccurate late payments includes the reporting of 150 days delinquent on XX/XX/. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A. late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. Furthermore, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EXPERIAN has violated my federally protected consumer right and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX {$0.00} aXXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit file due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the fraudulent account associated with my name. The details of the account in question are as follows : Account to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/year>XXXX XXXX Amount : {$15000.00} As this account was opened fraudulently as a result of the data breach, I request that it be blocked and deleted from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation that this account has been removed.
Product: Debt collection

Hi, My name is XXXX i was contacted by a company called Accelerated Financial Solutions on XX/XX/XXXX. Please see link to their website http : //www.acceleratedfinancial.net/ They called me from phone number XXXX XXXX XXXX.
They claimed that i had an outstanding debt to XXXX  for {$260.00}. They claimed i opened the account in XX/XX/XXXX. In XX/XX/XXXXi was XXXX. I asked for info regarding the alleged debt such as the account number, where the account was opened. They were not able to provide me with any info other than i owed them money. I have never had an account with XXXX. I reached out to XXXX to see if there was ever an account opened with my social and XXXX fraud department told me they have no account in their system with my social. I feel like Accelerated Financial Solutions was trying to scam me. After speaking with the XXXX fraud department I called AFS back and advised what XXXX had told me. The woman is spoke with was rather hostile as i asked for me info on this matter. The woman at AFS claimed that XXXX does n't keep their customer account data forever and that is why XXXX had no record of the alleged debt/account. I told them i felt like was being scammed and I do admit i was not very nice and used some not very nice words. I asked for them to mail me all the possible info on this alleged debt. They claimed they would only send me a one page document with a letterhead claimed the account would be closed.. At the end of the call the woman i spoke with claimed that it was identity theft and due to the account being opened in XX/XX/XXXX( when i was XXXX ) that the matter was closed and that i did n't owe them any money. I am not sure if you all are the right people to reach out to regarding this matter but i truly feel as these people were trying to scam me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a review of my m current loan status with Navient. Navient currently shows me as being past due 30/60/90 days during the months of XXXX, XXXX and XXXX of XXXX. This is a dispute and a request to remove the past due status due from my credit report due to non-notification and awareness of a balance with Navient. 

I filed chapter XXXX bankruptcy in XXXX XXXX. At the time, my student loans were managed and owned by XXXX XXXX. I made several attempts to get a status of my loan with XXXX XXXX and was informed that my account was under a cease and desist because of the bankruptcy status and they could not release any information or speak to me regarding my student loan account. Under Chapter XXXX bankruptcy ( 5 years ) there was no notice or communication ( phone call, e-mail, letter ) received from XXXX XXXX regarding my student loan account. 

I sent in a previous dispute letter dated XXXX/XXXX/XXXX ( enclosed ) to Navient in which I received a notification that past due is valid and will not be removed. I am disputing the results of that investigation and would like for someone to take a look at the history of events for my account. I called customer service and spoke to a manager who informed me to write in again regarding the history and events so that my case can be reviewed again. 

History XXXX XXXX Filed Chapter XXXX bankruptcy XXXX XXXX Moved from XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX ( enclosed Change of Address Confirmation ) XXXX XXXX Chapter XXXX bankruptcy discharged XXXX XXXX Navient sent letter of loan purchase to XXXXXXXX XXXX address ( I never received and I was no longer residing at that address. My primary phone number also changed ) XXXX XXXX I was contacted by Navient regarding my loan. I made a payment the same day and updated all contact information. 

Please be advised that when Navient assumed the loan from XXXX XXXX, I did NOT receive any communications regarding the sale. It is evident that any communications from Navient were being sent to an old address where I no longer resided ( letter enclosed ). During this time, I am still under the  assumption that XXXX XXXX is my loan provider. I was finally contacted by Navient in XXXX XXXX where I immediately updated all my contact information and made a payment that same day. I have also made my payments each month thereafter on time. As you can see below from my reported loan history, I have never missed a payment, even before I filed bankruptcy, so why would I do so between XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX  Acct # XXXX, XXXX | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX  XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX  XXXX  Acct # XXXX, XXXX  XXXX  XXXX  XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  XXXX XXXX XXXX | XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : ALABAMA XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Credit reporting

I submitted a payment for a past due comcast bill on XX/XX/2016 in response to a letter dated XX/XX/2016. The money was never deducted from my account. I contacted Credit Protection Association L.P. and advised the payment was not processed. There was an error with the account number entered. I submitted payment on that day XX/XX/2016 and was advised that the payment was processed and the account would be noted correctly. I was also advised that the account would not be reported to the any of the XXXX credit bureaus. A recent check of my credit reports show that account was reported after the payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ XXXX  XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?
Product: Student loan

I left school in XX/XX/XXXX. I had been diagnosed with a XXXX XXXX, XXXX and attened for as long as I physically could. Navient has been reporting inaccurate derogatory late payments on my account. I have made several unsuccessful attempts with various agents to get these late payments removed as they are not accurate. I have stayed on top of my forbearances and deferments as I can not afford the stress or the pressure of having to deal with possible late payments or going into default. 

The dates that Navient has reported inaccurately are : XXXX ( XXXX, XXXX and XXXX ) XXXX ( XXXX ) XXXX ( XXXX, XXXX, XXXX, XXXX and XXXX ) XXXX ( XXXX, XXXX and XXXX ) Forbearances and deferments should be for at least a 12 month period and a 6 month grace period after leaving school. In XX/XX/XXXX after leaving school I still should not have been given a late fee until XXXX, although that is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

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 XXXX XXXX In accordance with the Fair Credit Reporting act. The List of inquries above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that It is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I recently reviewed my consumer credit file and identified an alleged debt reported by your agency. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting FULL VALIDATION of this debt. As this account is disputed, you are required to CEASE AND DESIST all collection efforts, including reporting to XXXX, XXXX, and XXXX, until the requested validation is provided.
Product: Mortgage

RE : Loan # XXXX FREEDOM MORTGAGE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ PLEASE NOTE : MY EMAIL AT BOTTOM OF THIS FORM IS INCORRECT AND WILL NOT ALLOW EDITING. MY EMAIL IS : XXXX NOT " XXXX ''. ] My mortgage has been deferred for 12 months, and then extended through XXXX XX/XX/2022. They tell me in their letters, they need the info packet completed and returned to them. 

I have completed their packet and returned to them 4 times. They reason the packet was incomplete, eventhough I completed every thing and each time faxed and then mailed. 

Because of this vicious cycle with the info packets, I have missed crucial deadlines that would have allowed my mortgage arrears to be placed at the end of loan and I would have kept my extremely good interest rate. 

In a letter to them, I informed them that my phone and computer was hacked. I didn't have a good phone number to give them and I could not access to my account online. 

My loan is in default, the arrears are increasing, interest is being charged and all credit reporting agencies are being notified. Creditors have sent letters that theiy will close my account due to real estate issues, late payments. 

In the beginning of XXXX, I paid the annual real estate taxes, ( XXXX ) I also sent Freedom Mortgage XXXX checks totalling XXXX. They returned my XXXX checks.
Product: Credit reporting

Hello, I had reached out to Experian a month ago about charges that other credit reporting agencies have removed. After i disputed the information on their site I received a call saying that i could pay off my credit cards and bank cards, after speaking to the person calling they said they received my information through Experian I told them never to call again and hung up ( they asked for account numbers and social security and made it sound as if they were with Experian ) Today I checked my dispute by entering my SS # and information and received the same call from a different number XXXX and again told them never to call and hung up and dialed the number back there was a recording that the number had been hijacked - it is pretty obvious that Experian is selling customer data or their site is unsecured. Thank you XXXX