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

There was a pending collections which was paid and settled on XX/XX/2020 but experian still showed it for more than a month. I did not want to dispute this collection as the agency ( XXXX XXXX XXXX XXXX ) had already agreed to delete the account from all credit bureaus - and this was indeed deleted from equifax by end of XXXX. But experian still had it on my credit report with info that I have a balance to be paid of {$150.00}. 
Since I did not owe any balance as per XXXX, I told experian to update the balance provided that they dont file a dispute. I was told to submit the letter and that experian will address the same without filing the dispute. 
However after submitting the letter experian opened a dispute and when I got notification of this on email. I immediately called them and asked to remove this dispute. But now experian wont remove the dispute and say that they open dispute once they receive docs. Also on checking Experian found that collections has sent them info to delete my collections account from the report altogether - but they can not remove dispute as they recevied information from the agency ( XXXX  ) and have to wait until 30 days for the process to come to conclusion. 
I am being penalized for false information from experian and holding my account in dispute when I have not filed the dispute. 

The experian rep XXXX also insisted on asking me my SSN over the phone, when I asked them to use any other alternative as I was in crowded place and experian rep had worked with other info earlier. But she wont accept my request and said she is supervisor and will not transfer to anyone else to process the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Experian a certified letter disputing four erroneous items listed on my credit report. I provided a dispute reason for each item and requested for the information to be removed from my credit report. I also sent validation of debt letter certified to each collection agency requesting documentation with my signature to prove the debt belonged to me. The collection agencies failed to respond to my request after 30 days, which means they do not have any documents with my signature and the items are un-verified. Experian also did not respond after 30 days, so I sent another letter to them on XX/XX/XXXX requesting the items be removed. On XX/XX/XXXX I received a letter from Experian stating the items were verified. I responded by sending Experian a certified letter on XX/XX/XXXX requesting supporting documentation or a contract as proof of the items are verified and asked for them to respond within 15 days. Experian received my letter on XX/XX/XXXX and have yet to respond to my request. On XX/XX/XXXX I sent my 4th letter to Experian again asking for these items to be removed. Experian is trying to stall the process and it is extremely frustrating. They are damaging my credit by keeping this unverified information on my credit report even though they have no information to prove that it is accurate. I need this information to be deleted immediately.
Product: Money transfer, virtual currency, or money service

I created a account with coin base less then a month ago. Funded my account using ACH XXXX XXXX. I put 500 $ and purchase XXXX. A couple of days later I put {$50.00}. And then couple days after that {$50.00} again. I verified my account with my photo ID and a selfie that they required. They disabled my buying, selling, and transferring to my digital wallet, Ive called my bank and they verified that there were no issues on my banks end, yet when I do get a response from coin base they say that I can withdrawal my shares into XXXX or send it to another address. And that I cant buy or trade my XXXX. I didnt do any thing wrong I provided all the information that they asked for. They told me that I can send my XXXX to a wallet and I can not do that, but instead all I can do is sell my shares for cash thats not fair or right when I havent given them any reason. I have contacted them over and over and same response. At this point all I want to be able to do is transfer my XXXX  to my ledger. As they said I could from the beginning but its disabled. They arent communicating with me and its frustrating. They are just telling me it takes 5-7 business days and that they can not continue a relationship with me buying and selling. For no reason! I have read online this is something that happens all the time and I dont think its right. I am just someone trying to invest in some cryptocurrency.
Product: Mortgage

I was behind in my mortgage payments with a previous servicer and applied for XXXX relief extension. During that time RightPath Servicing became my new mortgage servicer. I had six months to go until my forbearance ended. However, XXXX called me every day harassing me about the " loan '' to the point I had to tell them to stop. They ignored me and kept calling under the " guise '' that they were trying to help me to find additional ways to assist once the forbearance ended in XX/XX/2022. At the time, I had an active application in with the XXXX XXXX Assistance XXXX to help me get caught up with 5 payments that was in arrears. I was approved and the payments were paid with a lump sum. XXXX also paid for 3 months in advance. But XXXX put the 3 advance payments toward escrow even though the payments INCLUDED the escrowed amounts! I had to contact XXXX to let them know what XXXX did and XXXX  had to reverse those advance payments and apply them in the manner that XXXX approved for me. What happened next was XXXX sent me a delinquent notice. I called them and the rep said it was a mistake. She confirmed I didn't have a payment due until XXXX and what that payment would be. I also went on the website and took a screenshot of it. But then XXXX started calling me again so I logged onto the website to see what was going on. XXXX had increased my monthly payments by 100 % stating that it was due to my increase in insurance coverage. The insurance had been issued in XX/XX/2022, and there was no mention of a change in escrow until XX/XX/2022. My modification application was denied in XXXX ( due to the payments and me indicating that I could pay the monthly amount with my income starting in XXXX. But now that XXXX has increased my payments by 100 % I am back where I started with facing financial difficulties. I did receive a letter from XXXX on XX/XX/2022, stating that I may be eligible to cancel the escrow, so I did request that on XX/XX/2022. I would be able to pay the insurance myself with their arrangements and the taxes too, as I know how to budget my own money to pay bills. I believe XXXX is deliberately trying to force me into foreclosure, overcalculated the escrow and finding ways NOT to help, but to harass me, as none of this was ever told to me at the time my payments were no longer in arrears. I have an outstanding FICO score and credit ratings. This move on the part or XXXX is not in my best interests and I would like your assistance with making them do the right thing and cancel my escrow. I have read the past complaints and settlements from this company under other names/businesses and it appears that they are complicit with breaking the laws and providing unethical services. I look forward to your assistance and a resolution in my favor.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Our identity was stolen and used to open an experian.com XXXX account with a fraudulent XXXX account opened apparently in our name. We noticed unusual activity on our bank with XXXX and filed a police report. Doing our due diligence we went on to experian.com to file dispute and put a credit freeze. When signing up it showed we had an existing account with an email we did not recognize. We immediately called Experian to report the fraud and the account that was stolen to utilize our credit report. Experian has not helped us gain back access to this account and we have tried numerous times to explain they opened our credit report to thieves and they have changed our address and email to only their information. They used a stolen checking account with XXXX to open this account. Experian will not do anything to prevent the thieves from gaining access to our information and only will send our credit report to the email and address on file which is obviously the criminals. We can not go on to find out what is on our report with Experian nor can we dispute the inquires or fraudulent accounts being opened. The account was opened XX/XX/2023 and we did not get any notification that fraud was happening until XX/XX/2023. We have filed with the police and FTC when we asked Experian for a phone number that law enforcement could contact them to investigate we were given the general membership number we also asked for an email to file a complaint and they refused to give us one. Experian has exposed us to more fraud and are failing to provide us protection from their own mistake and liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I applied for a mortgage through XXXX XXXX XXXX. On XX/XX/2018, the bank was able to pull my credit report from XXXX and XXXX  but they were unable to pull a report from Equifax. I called Equifax and they told me there was no record of my account existing. I explained to them that the same bank was able to pull a credit report on or around XX/XX/2018. They tried searching my account by my maiden name as well as my married name but they were still unable to locate my file. I also explained that I had previously been approved for a mortgage back in XX/XX/2018. A supervisor at Equifax said that I would have to type a letter and fax it along with a copy of my Driver ID and a copy of my Social Security card and the issue would be looked into within 48 hrs. When I  relayed this information back to XXXX XXXX, they told me that I should not fax them my social security card due to the security risks that may lead to.
Product: Checking or savings account

Chase Bank falsified information in my last complaint, they said they did not have an account open for me past XXXX when they did have an account for me as late as XXXX because they froze my account in XX/XX/XXXX and violated my XXXX by holding on to my funds for at least XXXX  days before sending the balance to their corporate offices to send me a check closing out my account. I feel like I was being retaliated against because I sued them for violating my FDIC in XX/XX/XXXX. May I add, I have not received the settlement check for XXXX XXXX dollars that was erroneously sent to an attorney XXXX XXXX XXXX whom I never signed a contract with because he was not a Federal attorney at that time. I've been patiently waiting for XXXX years and even filed fraud charges in XXXX XXXX XXXX and filed a complaint with Bank XXXX XXXX where he deposited a XXXX party check having someone forge my name. XXXX XXXX XXXX what's Chase Bank to start an investigation with them. Thank you in advance for all of your help.
Product: Debt collection

I recently received a copy of my credit report and found that Eagle Accounts Group was still reporting a debt on my XXXX  report not only are they still reporting the debt but they have this account on my credit report 2X 's. This debt was paid in full and they advised me at time of my payment that they would remove it off my report due to the fact that I was not probably notified in writing of the amount owed they did not have my address.They have removed it off my XXXX in XXXX but have not removed it off my XXXX.I have since learned that Eagle Accounts Group is not licensed in the state of Ohio and therefore legally should not have been able to collect this debt. I am asking to have these 2 accounts removed off my XXXX credit report within the next 15 business days, as its adversely causing harm to my credit. Thank you in adavance
Product: Credit reporting, credit repair services, or other personal consumer reports

there's an account reporting on my consumer report with the amount of {$1600.00}. 
Date open XX/XX/XXXX. Last reported XX/XX/XXXX. This notice is to inform you that the buraus unlawfully reported an unauthorized account in my consumer report. Under the consumer law 15U.S.C 1681 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX is reporting inaccurate information about me publicly. I have submitted two notices to this entity. The first notice was a request to place a security freeze on all data reporting about me publicly. The second notice was a request for this entity to cease and desist the reporting of fraudulent data about me publicly.

Early Warning Services first response to my request for a security freeze to be place on my file was a letter denying my request for a security freeze and copies of their file listing my personal data. Early Warning Services second response to my notice to cease and desist the reporting of all fraudulent data about me publicly consisted of the exact same letters I received from my first request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I have on XXXX occasions disputed charges from my Regions Bank debit card linked to my Regions Bank Checking and Savings account, which were made that were the result of fraud. In XXXX, my debit card was lost and charges were made at XXXX XXXX for over {$300.00} dollars, from XXXX XXXX for over {$20.00} dollars, and an ATM withdrawal debit for over {$500.00} was made. I immediately contacted Regions via telephone and was told that until the charges actually posted, nothing could be done other than to cancel the debit card and re-isssue another XXXX. After the fraudulent charges posted, I went into the XXXX GA branch and filed a formal dispute along with signed affidavits. After waiting over 10 days, on XXXX XXXX I contacted Regions bank again via telephone and was told that the claims were denied due to the fact that the PIN number had been entered correctly on the ATM withdrawal and due to that, the other dispute claims denied as well. When I informed the representative that my PIN number was NOT written on the card, but that I did have the PIN number on a piece of paper enclosed in the same wallet that was lost which had my Regions Bank Debit card in it. I was told by XXXX XXXX XXXX of Regions Bank that she would appeal this and resubmit the dispute as long as I submitted a police report to Regions, which on XXXX XXXX I did submit a police report to Regions Bank and emailed it to : XXXXXXXXXXXX. As of XXXX XXXX, I have not been credited back for the XXXX fraudulent charges made on my Regions Debit card, nor the fraudulent ATM withdrawal which was made with the same card. Not only has Regions failed to credit me back for these debits, they also have n't credited me back any of the numerous {$36.00} dollar NSF fee 's they have debited my account for. I am a XXXX American and rely on my Social Security money as my sole source of support, and this money is directly deposited into my Regions Bank Savings account. When I received my XXXX Social Security funds into my Regions bank account, a significant portion of this money was immediately taken by Regions to cover the over {$860.00} my checking account was at that time overdrawn by, directly as a result of these fraudulent debits and Regions subsequent illegal debit of fees charged to me. I find Regions Banks actions in this matter to be bordering on Criminal
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I went onto Equifax 's website to dispute an address ( XXXX XXXX ) associated with an account that does not belong to me. I was notified on XX/XX/2020 that the address was deleted from my credit report. Today on XX/XX/2020, I went back on Equifax 's website and seen that the address was re-inserted. Equifax is supposed to notify me within five days of the re-insertion. Equifax has done this before numerous times and never notify me when it's re-inserted onto my credit report. Calling a debt collector to " verify '' an address is not verifying. The address is not on my XXXX  report or my XXXX  report. I will file a lawsuit if they do not comply.
Product: Credit reporting or other personal consumer reports

Im writing to dispute the following unauthorized credit inquiries on my report : XXXX XXXX XXXX  inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report. 
Please confirm the removal and let me know if further information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request for validation and verification of inaccurate accounts on my Experian credit report. Experian states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Experian has ignored my request and now states they will not start another investigation. Experian still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Credit card

I just recently looked at my credit report XXXX. I saw some hard inquiries that did not have a permissible purpose, I also attached evidence : Name : Auto-financing Address : XXXX XXXX, XXXX XXXX, NC XXXX 1. these inquiries has no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681 B
Product: Credit reporting, credit repair services, or other personal consumer reports

Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there
Product: Credit reporting, credit repair services, or other personal consumer reports

rent solutons placed a XXXX debt on my credit report from an apartment complex, that I have not been involved with or have no clue of it, asked for verification there response was we can send you a bill. I responded with if It is a legit statement from an apartment complex they should have my id and signature, response from rent solutions we dont have any of that. this all transpired today the XXXX of XX/XX/2022. The company advised me to file a complaint with the FTC, I advised I wanted all paperwork signed by me and all my id used to open said account. spoke to a XXXX his direct line is XXXX
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I have no knowledge about them, and the company did it without my approval.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX/XXXX  - XXXX XXXX  XXXX - XXXX
Product: Vehicle loan or lease

Credit acceptance is still trying to charge me for a car that they repossessed and still want me to make payments on it after it was sold
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are all fraudulent, has previously been deleted from my credit report by Equifax countless times and keep reappearing on my credit report : XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$19.00}, XXXX, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX, {$1700.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$22000.00}, MN XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$29000.00} and XXXX XXXX XXXX XXXX, {$370.00}
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDIT CARD opened at XXXX XXXX on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

XXXX XXXX IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XX/XX/2014.
Product: Debt collection

Received a letter on XX/XX/XXXX stating I owed almost {$1800.00} to XXXX XXXX. I called the company ARA Inc.on XX/XX/XXXX to inquire about this. Yes, this letter got misplaced in the shuffle of mail in my house. They said it was a XXXX credit card from XX/XX/XXXX. A card from 15yrs ago that I know nothing about. She kept saying there are no statute of limitations, this needs to be resolved right now. I told her I would get back to her in a couple of days and she said I have till close of business today or I will be sued. I told her I would not be calling her back today, I will call back in a few days.
Product: Credit reporting or other personal consumer reports

I am formally disputing the presence of an unauthorized charge-off account in my consumer report. This account have been reported inaccurately and unfairly.