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

There are 6 accounts on my Equifax credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX Acct # XXXX, 2. XXXX Acct # XXXX, 3. XXXX XXXX Account # XXXX, Both accounts 2 and 3 have same acct # s different amounts listed, different company names. 4.XXXX  XXXX Acct # XXXX, 5. Acct # XXXX, 6.Acct # XXXX, These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX  XXXX XXXX XXXX {$2600.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit score has inaccurately reflected my credit history and have I have been unable to get a response from experian as to why. For example, earlier this year, in one day my credit score dropped over 100 points, but nothing changed in terms of accounts, balances or history with my credit to explain why my score decreased by over 20 %. All inquiries submitted to the agency, which are done electronically have received no acknowledgement or response.
Product: Debt collection

The debt itself is fraudulent. It implied we were evicted from our apartment complex when we never were we stayed the contracted amount of months and never paid late. Complex had my number, new address and email and never once attempted to even bill me and sent this to collections the following month after we moved out in 2016. I have come to the realization Hunter Warfeild is adding more money to the collections account and redating the account on my credit.
Product: Student loan

I reached out to Navient on XX/XX/2019 to resolve my student loan and was told it would be in my benefit to pay XXXX $ a month for 9 months to get my student loan out of default in which I did, I spoke with Navient in XX/XX/XXXX I believe and they told me I was to pay one more payment of XXXX $ and my student loan would be out of default, and the student loan is or was out of default, now looking at my XXXX credit report it is showing that there are 19 missed payments which is not true. I have been scammed and would like to press this issue that I have been taken advantage of and Navient has participated against me fraudulently. They took my entire tax refund for 2019 after they said that wouldnt happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd Attempt : Waypoint Resource Group LLC reported an account to the consumer bureaus before their 45-day policy. Their rep told me of a 7-day processing lag. When calling them out on this, the supervisor assured me that this account would not be reported and provided to me in writing that a request to delete the account from my consumer reports would take place. WRG 's rep stated " Oh, I know what happened '' but did not tell me what happened. After my prior complaint, the XXXX reporting was removed ; but, WRG then reported to XXXX. The same documentation provided prior is included here. WRG, I would like for you to stop reporting this account to the consumer bureaus IMMEDIATELY, per your agreement; or I will take legal action against you for violations of the FCRA and DCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX, to XX/XX/XXXX, with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered unprofessional on the XXXX end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result in immediate removal of the unauthorized items listed below : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hi, I sent back 4 different items on the XXXX of XXXX, and on the XXXX of XXXX, the items arrived at XXXX facility. Then on the XXXX of XXXX, only 1 item was refunded. I have done many returns with XXXX, so there was no issue on my end. Returns are simple, but XXXX has made them very difficult for me because I return many items I am not satisfied with. That is their return policy. I contacted many different chat agents, including supervisors who refused to do anything to help me when I noticed the issue. They kept telling me to wait 7 days after they received the items. Then after that, they started telling me to wait 14 days after they received the items. At this point, I gave up and decided to dispute the issue with my bank. My bank known as XXXX is making me jump through hoops to try to get this refunded after I explained everything to them and gave them the information requested by email, and even added pictures of the items boxed together before I returned them. While I was busy with 3 different jobs, I had planned to send XXXX that info, and in about 6 days, I had not sent the info, and XXXX  seemed upset that I had not replied back yet. I explained my work situation, and now XXXX has not been handling the situation quickly after I got back to them with the info they needed. Instead, they have taken around 6 or 7 days to send one reply by email. This reply stated " so you are waiting on the refund of XXXX, correct ''? I then replied back with " yes ''. And they have not responded in over a week. Soon after, I noticed a letter in the mail requesting me to fill out some paper asking for most of the same info I already gave them through email. This time, they are asking me to go through the trouble of mailing back out the paper they sent me. I had a dispute with another card company of mine, and even XXXX awhile back, and neither of them treated me this unfairly as XXXXy has. I have given XXXX  way more than I ever had to give my other card companies when it comes to info. At this point, it feels like XXXX does not want to issue the refund and are stalling intentionally, or simply do not like me. This is on page to be a month long issue and counting
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I tried to close out my account on XX/XX/2018, when the bank advised me that everything had to be paid out before closure. I said okay, but I need all the NSF fees and any related fees removed as I had added a STOP payment and STOP ACH which means nobody should be allowed to take money out, therefore not causing me to have any type of fees. The bank failed to fulfill that and I have been charged fees ever since and I have not used the account in over three months. I advised them I refuse to pay unless all the fees are taken care of. I spoke to XXXX over the phone and she stated she submitted a ticket and all fees should be reversed as soon as possible, this never happened. I went to a branch and they state to just keep calling, I don't have time for that. I was told all fees should be reversed and that my account could be closed once I pay off the balance. I want to close my account once the fees get taken care of.
Product: Credit reporting or other personal consumer reports

I have a charge off for XXXX XXXX XXXX XX/XX/year> this debt does not belong to me and I have been getting emails about this and would like to get this removed so they can stop calling I am really trying to get my credit on a good term and doing everything to keep up good credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft back in XX/XX/2018 and my social security was used for various accounts. I am not aware of who did these transactions. Also as per 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 As this is not an account of mine and the information is being shared and reported on my account. 
Addresses XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX phone numbers ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

We have disputed a charge of {$9000.00} on our card ( Synchrony Bank ) dated XX/XX/XXXX. We had a second dispute with our other credit card company, ( XXXX XXXX ) for the amount of {$5800.00}. ( The total amount of purchase was {$14000.00}, made over 2 cards. ) This dispute was upheld, and {$5800.00} was charged back to the merchant for violating the terms and conditions of the purchase agreement. Synchrony Bank sent a 2 sentence reply in XX/XX/XXXX which was " The merchant shipped as promised, and we refused delivery ''. These statements are completely heresay. The merchant made these statements to our credit card company and are a complete lie. We however, submitted email from the merchant to us, in where the merchant admitting to shipping late, not shipping as promised. To this day we have never received the merchandise. The merchant has been extremely hostile and dishonest. Synchrony Bank issued us a letter on XX/XX/XXXX, stating they were reviewing our dispute and no payments were due on the disputed amount. To this date, we have not received any response from them, however, beginning late XX/XX/XXXX, Synchrony Bank is now demanding payment, adding interest and late fees, all the while ignoring our 2 recent demand letters for them to respond.
Product: Vehicle loan or lease

Flagship credit acceptance LLC, is not reporting to the credit bureau. They also have opened another account in my name without my permission. They closed out my original account and my loan is going up not down no matter how much I pay. I owe more on the car than the lease contract says. They always adding late fees every month even when I am on time. They do not provide you with accurate information. The reps are very rude and disrespectful. They disconnect calls when youre asking for a manager or information. They are not concerned with your concerns just money. They have not reported to the credit bureau since XXXX of XXXX. I purchased the car in XXXX of XXXX. I was told by a rep I didnt get my car until XXXX. I had to call multiple times to get the contract sent to me. This company is horrible and I cant even trade the car in. My credit is showing one account open and another closed. Flagship has changed my loan amount. I did not sign a new contract nor did I give permission. They have committed fraud and will not let me out of this contract. Multiple people are having the same issues with them. They only put XXXX towards my principle and the rest to interest. I pay XXXX monthly with a high interest rate. They do not provide you with information about your account. I was told they have two accounts because they switched systems. Again I didnt sign anything
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, has violated my rights. 

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

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

On XX/XX/2018, Citibank, NA sent me a letter declining my application with no other explanation than " because we couldn't verify the accuracy of some of the information you provided. '' The letter lists a phone number, XXXX, which upon being called, played a recording instructing me to refer to the information in the letter, with no possibility of speaking to a representative. 

As part of the application process, Citibank, NA went so far as to demand a photocopy of my Social Security card, which I provided. 

Citibank, NA is neither clear nor helpful in explaining their decision. Further, I believe the information I provided in the application XXXX is accurate, and that I am creditworthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} ; ( OriginalCreditor : XXXX XXXX  ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXXBalance : {$41000.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance XXXX {$790.00} ; XXXX XXXXXXXX XXXX Balance : {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently disputed a very old account that showed up on my credit report. A collection agency apparently got my cell phone number from that dispute and began calling me regularly demanding payment for an old Wal-mart account. I told them that I was only interested in paying the debt if it would be completely removed from my credit report. The representative said they were not able to do that, so I asked that she designate my telephone number do not contact. She said that I would have to submit a do not contact request in writing, but she would not give me the address of the business she was calling from. They have continued to call my cell phone.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Mortgage

Applied for Ocwen Loan Servicing Settlement for Misdated Letter Claim in XXXXX 2016. To date no resolution. Bi-monthly phone calls to XXXX yield the same scripted response " under additional review ''. Called Ocwen directly and customer service rep responds that my claim is not showing in their system for review or status.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately. That being said the removal of XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account. # XXXX, XXXX XXXX  account # XXXX.
Product: Credit reporting or other personal consumer reports

There was a breach and my information was stolen and my credit has been hacked. Someone is using my information and Experian has also added things to my credit as well. My identity was stolen when I was XXXX. I filed a police report in 2001 in XXXX. I have been fighting ever since to get things off that been added on that not mines and nothing is happening.