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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Student loan

Navient is denying me an application for a XXXX XXXX XXXX for private loans simply because my loans are no longer outstanding. 

XXXX XXXX  XXXX XXXX XXXX XXXX is listed on Exhibit C for fraudulent behavior and pressure tactics, of which I was victim to, with the Sweet vs. Cardona.

I have a pending Borrowers Defense application with XXXX  and am a post class applicant.
Product: Debt collection

On XX/XX/2021, I received a collection notice from Credit Control LLC about an alleged debt I owe to XXXX XXXX XXXX and I responded back on XX/XX/XXXX with a debt validation letter, on XX/XX/XXXX I received a letter from XXXX XXXX saying I requested a verification on a debt and sent me a credit one bill with an address in another county, I would like to know how is it possible for two of these collection companies can be writing me about the same debt and when I write one another one responds, I will attach all documentation from these collections companies to make sure they are doing the correct thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

closed account has a inaccurate information ( late payment ). I have called Bank of America multiple times, to discuss the inaccurate late payment but theyre not even able to find my account.
Product: Prepaid card

I received an AMEX gift card as a gift from a family member during the holiday season. I put it to the side waiting for the new year to arrive so I can start anew. However, once I enter the information in to activate it, Im shown multiple transactions that have been initiated the past couple of weeks, leaving the balance at near zero. I mentioned this to a friend of mines and they told me of a similar situation they went through in the past and what they did to get their funds back. So here I am, hoping to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current credit report from Experian, and XXXX  are both in violation of FCRA rules section 1681. 

Disputed account : XXXX XXXX XXXX XXXX  Please see attachment ; : Violations ; for currently reporting inaccurate balance, high balance, payment amount, & payment history after account has been closed.
Product: Mortgage

Not Sure Where To Begin But My Older Son XXXX XXXX Has Not Been Paying Off The Mortgage For Some Time Now And I Hate To Lose The House My Late Husband And I Sacrificed So Hard For Throughout Our Lives. I Been At XXXX XXXX XXXX. Since XXXX Of XXXX. Sadly I Lost My Husband In XXXX. But My Son XXXX Took Over All The Finances, Unfortunately Though Things Haven't Been For Good. It's All For His Own Personal Financial Gain. Especially Now That He Finally Found Someone And Decided To Marry And Bring Into Our Home. I'm Scared Of XXXX Everything. My Younger Son XXXX Would Be A Better Fit. Although His Significant Other Suffers From Various Health Issues On A Daily Basis And He Also Is Raising A XXXX Year Old XXXX XXXX Child. I Don't Know What To Do! I'm Sad And Lost And Everyday I Get Older. My Loan Number Is : XXXX With XXXX XXXX Funding. I've Even Let My Mortgage Company Know Of This Situation But To No Avail. I DON'T WANT TO LOSE MY HOUSE! Please. My Son XXXX Even Pressured Me Into Adding Himself To The Deed Of The House Back On XXXX XXXX And Tricked Me Thinking I Was Adding Both Of My Sons, XXXX And XXXX. Who Can Help Me??!!! Time Is Of The Essence.
Product: Mortgage

I listed my property for a short sale. Wells Fargo counter offered the original offer. Of course the initial offer then fell out as the purchaser did not want to meet the counter offer made by Wells Fargo. Finally my realtor was able to find a buyer that met the counter offer amount, the purchaser signed the offer and it was sent to Wells Fargo. Wells Fargo is now stating this offer was received too late and are proceeding with the sale date scheduled for tomorrow. Make matter worse, the counter offer amount Wells Fargo asked for is {$230000.00} yet the opening bid amount is only {$130000.00}. Why not accept the offer and give me my right, as a California homeowner XXXX ( A ), to avoid foreclosure. Why not postpone the sale date to allow the short sale to take place? They got the counter offer at hand and now are going to foreclose without a care leaving me with the possibility of loosing my home. I am most grateful for any assistance I can get from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Hi I'm XXXX XXXX XXXX, I've been a victim of identity theft due to the Equifax data breach, and I've discovered misleading items linked to my profile. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$390.00}
Product: Credit reporting or other personal consumer reports

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 : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, I looked at my Exquifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

The Law Offices of Robert J Colclough and XXXX XXXX have been calling me at work. They placed a judgement against my checking account for debt owed back in XX/XX/XXXX. Case XXXX. My understanding is that for California residents, collectors are not allowed to call you at work. The collection representative called me and identified himself by first name only and XXXX XXXX. I told him that I'm already working with someone from XXXX XXXX. When I asked the collection representative how did you get my work phone number. That's a clear violation of the Fair Debt Collection Practices Act. He hung up on me. I've been working with a Mr. XXXX XXXX ext XXXX who has been assigned to my case. In the beginning I made many attempts to get a hold of him. He was never available. Finally he calls me back and tells me that I owed {$6800.00} from an old credit card back in XX/XX/XXXX. I told him that I'm going through financial hardship and that I can be placed on an installment plan. He said that he would get back to me by XX/XX/XXXX. I've been calling and leaving messages but nobody has called me back. Instead I get this surprise letter that now I owe {$30000.00}. What is this? They won't call me back to explain. In the attachments are the court docs showing a total of {$6800.00} and letter from Law Offices of Robert J Colclough showing current balance due of {$30000.00}. Smelled like a scam from the beginning but now starting to feeling like one. The only reason why I contacted them is because they got into my checking account.
Product: Debt collection

I have asked this company several times to stop contacting me but they still call. The person on the phone is abusive and tries to bully me into paying. I dont owe this debt and have asked them to quit calling every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a total fraudster. Ive got 42 hard inquiries of which 41 are ludicrous companies ive never done business with. If you take a look at my XXXX  or XXXX you'll see none of those inquiries...
Product: Checking or savings account

I bank with Chime mobile banking. On today XXXX XXXX. I tried to make a transaction but the transaction was declined. I checked my bank account and someone withdrew {$550.00}, which was all I had left in my bank account, and left me at a {$0.00} balance. I contacted Chime trying to dispute the charge or file a claim to receive my funds back. They told me that there is nothing they can do because it seemed like it was Authorized by the government. I called the IRS and my local court house to see if anyone ordered any garnishment or anything on my bank account. Both informed me no they did not make adjustments to any payments or have any orders against me and if they did the bank should be able to provide me with a case number. They also said they wouldve notified me ahead of time before taking any money and that this might be an act of fraud. Upon finding this information out I contacted chime again and asked did the have a case number. They said they did not have a case number. They told me to contact the merchant but I informed them that there is no real merchant. The only name that popped up on the transaction was XXXX  XXXX  XXXX  ordered and when I try to look that up I cant find any information off of it. I told them I think my bank account was hacked and someone took the money out of my bank account. They tried to argue that I sent the money from my account but I informed them numerous times that I did not send or authorize any transfers of funds today or at anytime. They can not provide me with a case number, they can not tell me where or who the funds sent to. And they are telling me there is nothing they can do for me. They just let someone hack into my bank account, take all funds I had, and now saying there is nothing they can do. My account is in the negatives now and they refuse to help me. They refuse to believe that it was a fraudulent transaction and that I did it authorize it or receive any notice if anyone garnishing my bank account for any reason. The money just disappeared with no explanation and they will not help me. And I know that no one would make a garnishment order for the exact dollar amount that was in my bank account. That is clearly fraud and they will not help me.
Product: Credit card or prepaid card

Comenity bank wayfair date opened XXXX XXXX amount is XXXX but its closed and negative on my account, again I have tried to contact them to tell them I did not open this account and I am not responsible for this debt
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/year> XXXX XXXX : {$25000.00} XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

ELEVATE RECO has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Debt collection

The creditor open up a collection on XX/XX/2024 with a balance of XXXX I have never heard of this company before I never opened up an account with them so I dont recall having a debt with their company and the original creditor I still dont recall having any debt with this company i have no knowledge of it so could they send me more information about the debt they saying that I owe I need you to validate the debt and I need them to verify that they have permission to collect on the debt and I will need them to send me the original application with my name and signature on it and I will also need the payment history on because I will need to see the total balance and how they got the total balance and I will also need them send me this information to the address they have on file for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud alert on my three credit reports however somebody was still able to get up to 45 inquiries on my equifax I wrote and disputed it and told them it was fraud the other agencies helped me and removed them however equifax argued with me transferred me four times and then the manager hung up on me ultimately which was discouraging In addition I have uploaded the FTC report they requested by their dispute portal as well as I faxed it over and mailed it certified Mail they still are not refusing to remove the inquiries I have been calling every other day
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 an account without my written instructions.
Product: Credit card

Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax today and multiple days last week, when you call your prompted to put your personal identifying information in, after inputting my correct information, I was told my information does not match which gives me a even higher privacy concern with Equifax since they continues to have major breaches. Monday I called and spoke with a representative by the name of XXXX who told me she see Im a victim of fraud and need to add the credit lock for extra protection of my information when my personal information should be protected once they assumed this vital role. Im more concerned that If I dont pay the XXXX like XXXX kept stating my information would not be as protected. I told XXXX no and she still continued to try to coerce me into paying even went as far as stating why cant I buy it and dont I want my information protected, which scares me tremendously. 
A collection account was removed and my score did not increase but it decreased when it was added making no sense. I also called multiple times asking Equifax letting them know this account was not mine and to provide me with substantial proof that they exercise there grave responsibility to make sure this account from XXXX was correctly investigated before furnishing and they failed to do so and failed to remove it. I have no business with XXXX nor does they have a permissible purpose to furnish. Equifax has let another company infringe upon my rights after assuming this position you were to make sure my consumer report is equitable and fair to me according to the FCRA. Equifax data sharing policy states you guys house the consent forms the companies and can provide me the consumer with one upon request,
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that have appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remain unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I first brought these fraudulent accounts to your attention on XX/XX/2022 following which I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was informed by Citibank that they closed my credit card account. I have always been an excellent Citibank customer since XXXX when I opened this account and I have always paid my account on time. When Citibank closed my account, it hurt my credit score because there is a significant balance on this account. I am very aware that as much as 30 % of my credit score is  based on the relationship between my credit card balance and my credit card limit. The action of Citibank closing this account caused me to be significantly over my credit limit, because there is no longer a credit limit reported on this closed account. 

This is very upsetting to me because during this difficult time with Covid-19, I am trying to secure financing for my business and the action by Citibank in closing my account hurt my credit score and is hurting my ability to receive the financing that I need to sustain my business in this most difficult time. 

During my phone conversation with Citibank on XX/XX/XXXX, they informed me that the reason they closed my account was because they attempted to draft my checking account for the minimum payment due on XX/XX/XXXX and XX/XX/XXXX but were unsuccessful. Once I learned of this error, I called Citibank and cleared up the problem. Again, I have never been late. 

I really don't understand why Citibank would do this to me during such a difficult time as Covid-19 when I am trying to keep all my bills current and keep all of my employees on payroll.