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

I tried applying for an apartment lease and they pulled 3 credit reports. I have outstanding credit history and great scores. My scores have always been over XXXX. On one of the reports ( XXXX is showing score of XXXX ) there is a closed collection account that is not mine with Affirm. It shows on the credit report it was open on XX/XX/19 in the amount of {$750.00}. I have never taken out a personal loan, I have never received a call about a payment. It says the first payment was never made. This is not my account and it is preventing me from leasing an apartment. I reached out to Affirm and am currently in dispute over it but it is taking too long and I need to secure housing as soon as possible. Affirm stated this is about a personal loan with XXXX XXXX secured through XXXX XXXX Bank in XXXX NJ. Please assist me with removing this from my report as it is not my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau of Farmington is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt was reporting on my credit file. I have never received any phone calls or any collection letters or notices about this debt and this violates my 30 day right to dispute. Since I was not granted that right and it is now reporting on my credit I ask that they remove this collection from my credit report. Under the FDCPA I have to right to request validation of this debt. I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address but a request for validation. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform your offices that if you continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company I will not hesitate to bring legal action against you for Violation of the Fair Debt Collection Practices act and Defamation of character. I am also aware that while this account is under investigation you must cease all collection activity. IF you fail to respond to this validation request within 30 days from the day received all references to this account must be deleted and removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit card

Navy federal sent a letter stating they would provide a provisional credit and get a rebuttal from the merchant. If the rebuttal was received they would forward it and continue the investigation. They did not provide the rebuttal from the merchant and instead posted the amount back on the card. Also, the charge should not have been allowed since the entity ( merchant ) XXXX XXXX is using XXXX Government employees to provide services and it is ILLEGAL for Navy Federal to directly or indirectly process payments for XXXX sanctioned persons or countries.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to request the removal of unauthorized credit inquiries on my Equifax credit report. I recently retrieved my credit report and it showed XXXX credit inquiry that I have no knowledge of ever XXXX.I want to dispute the following inquiries and ask for their removal from my credit report. 

Item Number #, Creditor, Account : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> In accordance with Section 605B of the Fair Credit Reporting Act, I request the removal of this information from my credit report, as it is negatively impacting my ability to obtain new credit. I would also appreciate receiving a copy of my updated credit report once this matter has been resolved.
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. 

XXXX  XXXX : XXXX XXXX  : XXXX XXXX  XXXX : XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

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

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

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Checking or savings account

I opened my account on or about XX/XX/XXXX under a promotion for {$400.00}. I met the promotional terms and the promotional funds were due XX/XX/XXXX. They still have not been credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account listed on my account from XXXX XXXX XXXX  XXXX. I have asked this company to send me some some information concerning this account and they sent me some information from another creditor that I never had any account with. I filed an identity theft report. The FTC report number is XXXX. I have attached a copy of the report to this complaint. Please remove this fraudulent account off my credit report the sane way that XXXX  and XXXX  has done on their end.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX Balance : {$86000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, DISCOVER STUDENT LOANS was contacted asking proof that I am a co-signer on this loan. I asked if I can inquire how they VERIFIED WITHOUT ANY PROOF, BEARING MY SIGNATURE.
Product: Debt collection

This was settled months ago. 
Texas Department of insurance filed against XXXX XXXX and XXXX who settled with the hospital. 
This is fraud and an attempt to collect money that is not owed. 
IT WAS SETTLED BY THE INSURANCE COMPANY
Product: Mortgage

I was approved for a mortgage on a condo in XXXX XXXX, FL. The mortgage company approved my mortgage with the flood insurnace the HOA has implemented. I received a notice in XXXX that forced placed flood insurance will be added. I had tried to work with ShellPoint Mortgage to get them the needed information and it was very hard to get anyone to help me. Finally in XXXX I connected with someone found out the issue. I got my own policy put in place in XXXX but there was a 30 day wait until the policy was in affect. XX/XX/XXXX it was effective. During that 30 day wait time I was able to upload the proof of insurance to their site, email to their service email and get it to two agents via email. The forced placed insurance is still on the payment. I havent been able to get anyone at ShellPoint to tell me when it will be removed, what the payment will be and what will be prorated and removed. At this point, I cant continue to pay this higher payment and am afraid I will not be able to make the payment and will lose the condo.
Product: Debt collection

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2023. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX SOLD TO SUNRISE CREDIT SERVICE. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/year> - {$570.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$610.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card

My husband and I initially opened a savings account with CITI Bank. However, because we couldn't transfer funds into this account, we contacted the bank to close it. During the call, we interacted with an automated system and provided my Social Security Number ( SSN ).

The automated system mistakenly closed the credit card associated with my SSN rather than my savings account. Consequently, on XX/XX/2023, my credit score plummeted by XXXX points. 

I tried to call CITI bank to correct this mistake. However, they told me that they couldn't reverse the credit score reduction. Their proposed solution was to reopen the credit card, but this would entail a hard inquiry, causing further damage to my credit score.
Product: Credit card

I am unable to login to my Citi consumer account online. As such, I can no longer manage my " AAdvantage Platinum Select - Citi - World Elite XXXX '', see balances, or update payment information. 

The error I receive when attempting to login is " For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code MFA. '' When calling that number, i am sent into an endless loop as it does not even recognize the card number I provide. When speaking to citi agents, they request me re-register my account, over and over, which leads nowhere. This has been going on for over a month. Citi is not servicing this card as they should and provides no avenues for assistance.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under the CARES Act and due to loss of income related to COVID, we were given a forbearance period of 18 months as advised by our mortgage company under the impression we would be offered loan modification at the end of forbearance. Instead, the lender has denied a modification and is demanding the full amount accrued during the forbearance, approximately {$45000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here. 
1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX Accounts : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not deleted these accounts Collection Accounts : I do not know these collections accounts. 
1. XXXX XXXX XXXX - {$1500.00} 2. IQ DATA INTERNATIONAL -  {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX. 
Credit Cards : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not update the accounts. 
I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1.  XXXX XXXX XXXX  XXXX XXXX - {$3700.00} 2. XXXX XXXX XXXX  - {$1300.00} 3. XXXX  XXXX XXXX - Master- {$790.00} 4. XXXX  XXXX XXXX- Visa XXXX {$1800.00} 5. XXXX XXXX XXXX XXXX - {$16000.00} Kindly help me. 
I am the Victim of HARD inquires, un-authorized charges. 

Regards XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I visited a stand-alone Bank of America ATM at XXXX XXXX in XXXX North Carolina and attempted to withdrawal {$440.00} from the ATM using my Bank of America issued unemployment card. The ATM did not dispense the money and told me that the transaction would be reversed. No receipt was printed out. I then stepped to the ATM next to it ( also Bank of America ) and attempted to withdrawal the money from that ATM, as I needed the cash to pay rent, which was due that day. When I requested the money, however, I was declined due to the fact that the transaction that did not result in me receiving my cash was NOT reversed/cancelled in their system, and my account was debited the entire {$440.00} which I received none of. I opened a claim that day, and it took until today ( XX/XX/XXXX ) to succesfully get the claim opened and an " investigation '' initiated. I was told that I would receive a letter about the banks decision in 45 days. As this is an extreme financial burden to me which has already cost me {$50.00} dollars in late fees for my rent, and Bank of America is the only entity at fault in this situation, I feel as if this situation should be expedited or a provisional credit should be issued by the responsible party until they do finally get around to it and see that they indeed rob me of money that was rightfully mine.
Product: Debt collection

It first came to my attention in XX/XX/XXXX in attempts to fix my credit that there was a collection from Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX GA XXXX for the The XXXX in the amount of {$2300.00}. I have sent MULTIPLE letters ( XXXX ) asking for verification and have disputed the collection with all XXXX credit bureaus. I have never received any proof of debt. The only returned communication I got back was for a settlement offer XX/XX/XXXX for {$1100.00} I have been calling daily since where representatives have sent me to voicemails with no returned calls. Today XX/XX/XXXX I finally talked to a representative named XXXX who informed me that they do not verify debt and I needed to do that in the community which makes no sense. I asked how he could collect a debt that they could not verify and he said he didnt know. I explained I have had a few instances of fraudulent collections and Id like this taken off since they couldnt prove debt. He explained that I needed to make a police report then send in the proof I did so then they would investigate. This is not promising since they have failed to do this debt any justice since they have a horrible Track record of returning communication.
Product: Credit reporting

it has been more that 10 years since I had a account with XXXX. she not be on my account not mine.
Product: Student loan

I took out private loans from XXXX to XXXX to pay for tuition and board for college. In all, the loans totaled about {$95000.00}. After graduating in XXXX I was unable to find work, so I called navient ( Sallie Mae at the time ) and the only option they presented me was to go into forbearance. I did this for the maximum allowed of two years. After the forbearance, I contacted them again and the only option they offered was to increase my term from 15 years to 30. So after making payments since XXXX, my principle balance is still higher than my original principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

There are inquires on my report that I did not authorize and must be removed immediately. 

XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX 2023 XXXX XXXX XXXX XXXX Bank ) XXXX XXXX 2023 XXXX XXXX XXXX ( Finance XXXX XXXX XXXX 2023 XXXX XXXX  XXXX Bank ) XXXX XXXX 2023 XXXX XXXX XXXX  ( Auto ) XXXX XXXX 2023 XXXX XXXX  XXXX XXXX Bank ) XXXX XXXX 2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

We hired a company called XXXX XXXX to repair our credit. We stopped with that company in late XX/XX/XXXX or early XX/XX/XXXX. I called equifax in early XXXX and told them that I am not disputing anything on the credit report and they said they would remove it. They have not removed it. I kept calling and calling repeatedly todayXX/XX/XXXX to their XXXX number and pushed the option to speak to a representative about personal credit info. Every single time it transfers me and then rings busy. When our mortgage broker pulls our credit report it still shows and reinvestigation in progress. This is inaccurate info. They told me when I talked to them they would remove it. The lender will not close the loan until they get a report that does n't show anything being disputed. I have personally talked to the creditors in which the report shows a dispute with and they have sent me documentation showing that nothing is being disputed but the lender has to see it on the credit report. The fact that equifax is not answering is deeply frustrating. I ca n't get a hold of them and need the disputes with XXXX off my credit report Sincerely Frustrated
Product: Credit reporting or other personal consumer reports

The name of the account is Fortiva. They continue to report false information to all 3 credit agencies. This account was closed and paid in full in 2019. This account was never late nor does my credit report reflect late payments. Yet Fortiva has continued to illegally report false information. They had a system wide purge and have zero record of me ever even having an account let alone a payment history. I spoke with my account specialist at XXXX and we got to the bottom of it by calling them on conference call the gentleman openly admitted after providing social and credit card number, and date of birth that there is no record of an account. So the XXXX rep questioned why are you guys still reporting false information the customer service rep then hung up the phone. I have also provided all three with an email chain of conversation with Customer Service, stating the exact same thing that they have no record of me ever even have an account this account needs to be removed. It is highly damaging my report. This is an issue that should not be going on when my credit report is highly valued nor do I make late payments on anything. This account must be removed due to the reasons listed above. I have also mailed copies of these emails to the other credit agencies and still nothing has happened.
Product: Credit reporting or other personal consumer reports

McDowell and associates said the amount was {$14000.00} on my credit report it shows {$24000.00} and it went up another {$2400.00} today. I was scammed from the beginning buying a new car with XXXX miles on it. The transmission went out on the car and for XXXX refused to fix it when it was still under warranty. Their excuse was it didnt show codes on the computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.