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

I sent Experian a letter on XX/XX/XXXX, I am attaching that letter that I sent them that clearly tells them that the information they are reporting is not accurate, not complete, or correct. I wanted them to please delete it from my credit report immediately. I wanted then to reinvestigate this because the way it is still looking on my credit report it does not look accurate and does not look complete, A+ Loan XXXX verified as accurate and updated, however as of XX/XX/XXXX on my Annual Credit Report, the Last Date of Activity was XX/XX/XXXX. The Date of Last Activity is required to be updated when the bureaus verify as accurate. Furthermore, the credit report provided by Experian on XX/XX/XXXX the Status Updated reported XX/XX/XXXX. The Status Updated is required to be updated when the bureaus verify as accurate. Additionally, the Notice of Dispute on the Annual Credit Report dated XX/XX/XXXX and the Experian Credit Report XX/XX/XXXX and XX/XX/XXXX is not in the remarks area of the credit reports. 

The above information shows Experian continues to fail to investigate the consumer disputes, failed to use reasonable procedures to ensure the accuracy of consumer information and they failed to forward relevant information to furnishers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Accounts 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: Debt collection

I'm unaware of this debt. I didn't have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with the name and signature of the recipient.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently obtain a copy of my credit report and noticed inaccuracies in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report that I believe do not belong to me. After previously disputing these accounts and providing supporting documentation, including my Federal Trade Commission ( FTC ) Identity Theft Report, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts?

Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me?

Were any third-party databases or external records consulted in the verification process?

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were mistakenly merged with information belonging to another individual. This appears to be a case of mixed credit files or erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial wellbeing.

Given the severity of this issue, I request that your agency : 1. Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files.

2. Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources.

3. Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX
Product: Credit reporting

The credit bureau did not perform a proper investigation of the account that is on my file. Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on Equifax XXXX I noticed inaccurate inaccurate information is being reported on my credit report from credit card company ( XXXX XXXX XXXX  ) credit card account ending in XXXX hasn't reported any balance history since XXXX and recently I paid off the account as of XX/XX/XXXX and the company blocked my avaliable credit stating they wanted my to submit a bank statement to proved the payment on XX/XX/XXXX {$370.00} was from my account and I did so even additional proof of screen shots from my XXXX account showing payment completed. This is an act of discrimination and credit report abuse please unblock my available credit and fixed my balance history on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. XXXX will not remove it even though the account is fraudulent.
Product: Bank account or service

I am at my wit 's end with Wells Fargo and completely about to lose my XXXX! Please follow the bouncing ball : 1. On Saturday, XXXX XXXX, 2016 I went into a local branch ( sorry you now call them STORES ) to sign documents for a personal line of credit which I had secured via an on-line application. 
2. On Monday, XXXX XXXX, 2016 I received an E-mail from Wells Fargo advising that the loan was available. 
3. I logged onto my account only to find that {$6300.00} had been removed from my savings account, but THOSE funds nor any other funds had been made available to me. So they were holding my own money and I could n't access it. 
4. I immediately contacted the branch by both phone and E-mail and did not receive a response until after XXXX when a VERY condescending and rude XXXX XXXX XXXX called me. I understand he is the assistant branch manager and trust me, he needs to be fired. 
5. XXXX XXXX not only DID NOT want to assist me with solving the issue, he was insulting and would not let me ask questions. Every time I tried to say anything, he would begin talking over me. He 's XXXX, by the way. No customer should EVER be treated like I have been treated by this man or by any bank. 
6. On Tuesday a.m., XXXX XXXX, 2016, I was at the branch when it opened and requested that the loan be canceled. I asked XXXX XXXX to put in writing that he was canceling the loan as requested. He refused to do this. I left the bank not knowing whether he would actually do as asked or just bury the paperwork and leave me floundering. I think that IS exactly what he would have done if I had not gotten other people and posted comments on social media. 
7. On Wednesday, XXXX XXXX, 2016, I finally received a phone call from someone named XXXX in the " Executive Office. '' XXXX said the funds had been returned to my account that afternoon. When I logged into my account, the funds that had been withdrawn had indeed been returned to me. She said the loan was canceled. 
8. WAIT FOR IT ... .Because I no longer trust Wells Fargo , I logged onto my account just before XXXX only to find that {$6300.00} had AGAIN been removed from my savings account. 
9. I tried to talk to someone last night which was a COMPLETE waste of time. 
10. I have e-mailed, called a dozen times, sent messages, everything I know to do and crickets. Here it is Friday and no one is working apparently. Sure as XXXX no one is trying to resolve this issue for me. What XXXX happened to putting the customer first? What XXXX happened to the customer is always right? These are obviously not part of a code Wells Fargo chooses to follow. 
11. The {$6300.00} is MY MONEY, not YOURS! I want it returned to my account TODAY, no excuses, no exceptions. I want a FORMAL apology and I want interest.
Product: Debt collection

There is a agency collecting for an XXXX account which is unknown. I have requested validation and contract I signed and proof this is an account that belongs to me. This is unknown and the date is unknown. I want to see an actual contract with my signature on it. This simple statement does n't validate anything. Please help.
Product: Debt collection

Debt was placed on my credit w/out notifiying me first and I am not sure it even belongs to me as I have never been to a surgical center in XX/XX/2020 as it states.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; MEDICAL XXXX Balance : {$64.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I attended XXXX XXXX from fall XXXX through XXXX. When I was accepted into the school they told me to reach out to Sallie Mae, now Navient, to apply for financial aid. I was approved for a {$100000.00} student loan in less than 10 minutes at the XXXX XXXX XXXX, with absolutely no credit history. I later found out that this was a private loan and did not qualify for any debt relief programs, bankruptcy, forgiveness, etc. Since being approved for my loan, it has doubled due to interest rates and fees. These Navient loans should be illegitimate and forgiven due to XXXX XXXX misleading me. I was sold false information about the school and programs. In XX/XX/XXXX, the California Bureau for Private Postsecondary and Vocational Education ( BPPVE ) accused the XXXX XXXX XXXX XXXX and its then parent corporation XXXX XXXX XXXX of persuading prospective students to enroll by " willfully misleading '' them, and " falsifying and omitting critical information. '' Dealing with Navient has also been a struggle. Their customer service representatives are often cold, rude, and disrespectful. Ive been told by them that I just need to make more money to pay off my loans and that I should have known better than to take out the loan in the first place. They purposely take out my automatic payments for the month past the due date, and then tact on late fees. Ive discussed this with them numerous times and each time they put the blame on me, even though its an automatic payment that they take directly out of my bank account. 
I have paid them around {$12000.00} a year since XXXX and they treat me like Ive never made a payment. Ive never defaulted on my loans and I do everything in my power to make sure they get paid every month. Often having to choose between paying my loans or buying groceries, which usually means I forgo groceries for the month. These loans have completely debilitated my life financially. I live with the burden every single day, knowing that I will probably never pay these loans off. I live each day knowing that I cant fully provide for my family how I want to because these loans will always take precedence over anything else. 
I was scammed by a school, took out a loan, as a naive XXXX XXXX XXXX kid with no financial literacy, had that loan doubled due to interest, and have spent my entire adult life working feverishly to pay it back. These loans should considered illegitimate and be forgiven due to the predatory nature of a for profit school.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must remove the LISTED account from my file. 
XXXX XXXX
Product: Debt collection

in XXXX XXXX i ordered items from roamans clothing. i had free shipping. i returned the items the day after i received them. i was told in an online chat with roamans and via email that i was assessed a {$7.00} fee and would receive a bill soon. i received no billing until the end of XXXX XXXX, at which time a {$25.00} late fee was attached to the {$7.00} fee, i contacted the company who instructed me to contact the card holder which was comenity bank. i did so, but was told i had no account. i next received a bill in XXXX XXXX and the late fee was again applied now taking the {$7.00} return fee to {$51.00}. i again contacted the company which again told me to contact comenity bank which i did. again i was told i had no account and was transferred to XXXX different people/depts. finally i was disconnected. i next received a bill in XXXX XXXX for {$82.00}. which are inflated late fees. i used an online chat with roamans to verify the {$7.00} return fee. was told to contact comenity bank. which i did and the same scenario happened. XXXX different transfers, no account verified. nothing resolved. i have been unable to get this absurd situation corrected and they are reporting this amount past due to credit agencies. an amount i do not owe.
Product: Debt collection

Most recently I received a judgement by the XXXX civil court in XX/XX/XXXX following a request to vacate claims against me, under, False and misleading representation and debt, Section 807- a, 4 and 9. For unfair practices Section 808 -1 and Section 809- a and c. I continue to be harassed and violated. On XX/XX/XXXX my bank account was charged citing a legal order I have no knowledge of. In this case again they fail to provide validation of debt or provide me proof of a legal order. XXXX bank was also not provided with proper information about the matter of which this event originated. My account was withdrawn {$5700.00} and XXXX of which was not specified from why. 

I am beginning to notice a pattern with XXXX XXXX XXXX and XXXX XXXX. My encounters with both of these companies date back to XXXX. This is harrassment. 
It became more apparent last year when XXXX XXXX was suing me, for a medical bill and XXXX and XXXX also initiated a claim against me at the same time. This year they are both back, coming after me again. This time in full violation as if I do not get the right to protect myself. On XX/XX/XXXX XXXX and XXXX took 5, XXXX dollars from my account plus a separate amount of XXXX for XX/XX/XXXX knows what!!! .. I received no notice. In fact it was brought to my attention after I called my bank regarding another notice I received XXXX and XXXX partner in crime XXXX XXXX on XX/XX/XXXX ; threatening me with a notice to restrain my bank account on a claim I agreed to pay last year and am still paying each month up to this very month ( XXXX ) they are taking XXXX from me.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate and delete the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX in XXXX, Ok I communicated with Manager XXXX at Star Loans that I would be several days more late on my payment. The loan was due XX/XX/XXXX with a 10 day grace period it would be XX/XX/XXXX. I told her that my account is over drafted, it was a hard month for me supporting a XXXX and 2 adults due to the stresses of the economy and holidays. XXXX was extremely rude and insulting. She told me she could not hold my loan for payment on XX/XX/2021 and cant I go overdraft your account more to get the money. I told XXXX shes being insulting and that I always communicate to her issues I may have when making payments, but that they do get paid. XXXX continued to speak to me in a hostile manner stating this is a two way street and youll need me for money in the future. XXXX then asked what date do you want me to put you for I told her XXXX XXXX said no Ill put XXXX you can pay me with your stimulus check. She hung in my face. 
XXXX is always rude and hostile at Star Loans. She needs to be reprimanded immediately. I am a XXXX XXXX and XXXX would call to administer her XXXX XXXX. I did this for her. For her to be so rude to me not only humiliated me, but I will never do business with her after XXXX when I pay off the loan in its entirety.
Product: Mortgage

Unfair and immoral business practices where the consumer is being taken advantage. 
Facts : XXXX XXXX a residential building contractor is the Parent Company of Eagle Home Mortgage LLC. 
XXXX offers buyers unrealistic closing cost credits to steer buyers into using their financing. 
The unrealistic closing cost credit is rarely used up. Example : XXXX XXXX had a purchase contract with a {$10000.00} seller concession on a {$230000.00} Home. She was not aware of the max 3 % seller concessions for conventional loans and was very upset they lost nearly {$3000.00} at the closing table.

Closing cost credits are not offered to buyers unless they use Eagle Home Mortgage. ( This is in writing ).

Eagle Home Mortgage plays along with the closing cost credit by disclosing the full credit on a buyers LE & CD. They do not adjust the correct credit until the day of closing, leaving the buyer upset and confused.
Product: Debt collection

In XXXX I was considering switching my cell phone service from XXXX XXXX XXXX to XXXX XXXX, I spoke to a sales person at a store, and got through most of the steps to switch, but when I saw the costs broken down, it was going to be more expensive than staying with XXXX XXXX XXXX. So I told him that I was going to stay at XXXX XXXX XXXX and to cancel the order, I had not signed anything yet, and he said fine, and I left. A few weeks later I received a bill from them, I called and told them what happened and they promised that it was taken care of. About a month later I received another bill from them, threatening me to put me in collections. Once again, I called, they said that it was taken care of. Today I received a collections notice. I called, I was on the phone with 4 different people, they will not take care of it, this time they want me to go to a store to give them more of my personal information, I am not doing it. I made it very clear to them that this is fraud, they have fraudulently opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complain for you to know that I am a victim of I identity theft. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please delete the following items I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.