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

According to my recent credit report request from Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX Experian Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX Experian Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Experian XXXX Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Experian Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX & XXXX XXXX Experian XXXX XXXX  Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
, have 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 an account without my written instructions.
Product: Debt collection

This company ( Sequium Asset Solutions ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$210.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

I disputed this confined fraudulent collection debt of {$5500.00} to the Credit Burroughs ofXX/XX/XXXX and Experian to which it was reported on.XX/XX/XXXX removed the fraudulent collection debt which i will provide documents of ) when i took action but Experian however is very unlike with their processing systems and creditors monitors for fraudulent alerts like this current debt.
Product: Checking or savings account

Someone gained access to my online bank account and transfer {$4500.00} from my checking account to a XXXX XXXX XXXX Account XXXX indicating I am the owner of this XXXX XXXX XXXX Account. I do not have a XXXX  XXXX XXXX Account, and the account is not mine. I have contacted XXXX XXXX XXXX myself and confirmed this is not my account. My bank is holding me accountable for the lost, denied my fraud claim. They argued that since the transfer was originated from one of my devices according to their IT, so I 'highly likely have made this transfer '. I did  not create the external account indicating its my account in my online banking account, then transfer {$4500.00} to this particular account I have no access to. 
I did not authorize the transfer of {$4500.00} from my check on XX/XX/2018. I informed the bank of this unauthorized transfer on XX/XX/2018. I do not have access to this external XXXX XXXX XXXX Account, and it is not under my name. My bank is only willing to send a letter to XXXX XXXX XXXX to request the return of {$4500.00}, and they did not iniliate the transfer after a week of me informing them. My bank known the external account is not mine, even despite it indicate it is transferring to me, but holding me accountable without evidence proving I made the transfer. My Bank is : Navy Federal Credit Union Account Number : old ( compromised account ) XXXX new:XXXX  Call NFCU multiple times each day. Submitted appeal over 10 days ago. First was told they received the appeal and it takes time. Then was told today they didn't receive the appeal and I would need to resubmit the appeal. Called three times today to ask to speak to the agent who handled the case but was told she can't speak to me. In all three calls today I was told no one is working on this case or looking into it.
Product: Credit reporting or other personal consumer reports

Based on a letter I received from XXXX dated XXXX, my loan account was transferred to XXXX effective XXXX. I received a letter from XXXX dated XXXX welcoming me and informing me that they now controlled my loan effective XXXX. ( See XXXX Acct Letter, XXXX Welcome letter attached ) Based on views from all three credit reports, XXXX nor XXXX updated my credit report with this information. I reviewed and have filed XXXX disputes regarding incorrect information sent to XXXX, XXXX and Equifax from XXXX. All three credit reports sent information stating that XXXX stated that my loan was in good standing, active and the loan balance of XXXX is still being reported as {$92.00}, XXXX Since XXXX no longer owned my loan effective XXXX, XXXX had no knowledge that I had received a letter from XXXX dated XXXX informing me that I had received from the XXXX XXXX XXXX XXXX Driven Repayment ( IDR ) forgiveness and my loans were PAID IN FULL effective XXXX. ( See attachment IDR forgiveness letter indicating XXXX balance ) Each time I submitted a dispute with each credit bureau ( XXXX, Equifax, and XXXX ), XXXX continued to report there was a balance. How could XXXX know if there was a balance if they transferred my loan? XXXX failed to update their records with the national credit bureaus indicating that XXXX was my current loan service provider. 

XXXX has also failed to provide the information to the three credit bureaus that they were the last loan service provider for my loans when I was given the IDR forgiveness on XXXX. To date, XXXX is not listed as a service provider on my credit report. 

This fraudulent reporting from XXXX has impacted XXXX, XXXX, and Equifax from reporting my current credit utilization on my credit reports which also impacts my credit score. 

As of XX/XX/2024, XXXX is still reporting that the Dept of Education loan balance is still active and has a balance of XXXX, XXXX. As of XX/XX/2024, Equifax is still reporting that the Dept of Education loan is still an active and open account with a balance of XXXX, XXXX according to XXXX. ( See attachments ) Please review the attached documents regarding my student loan accounts and assist me by updating your information on my credit report. This letter has also been sent to the FCRA and Fair Credit Consumer Financial Protection Bureau to assist me with my complaint. 

In closing, I do not have an active educational loan and my loan should reflect a XXXX balance and not a balance of {$92.00}, XXXX. 

Thank you for reading my email and your attention to this email.
Product: Mortgage

In XXXX of XXXX PHH mortgage company took over my mortgage ( not my choice ). The company has the incorrect parcel ID and sent my tax payments to the incorrect borough for the taxes to be paid. The check was returned and I was never informed of this until I received A late notice from the borough in XXXX XXXX XXXX. I have been trying to get this situation rectified since XXXX and the Only thing I am Ever told is that its under investigation after reading XXXX reviews- this mortgage company is known for this same issue with other customers. My taxes are now delinquent- have been sent to collections and I have gotten absolutely no where with this company. They act like they are working on it but nothing happens.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away I'd appreciate it if you could update these reporting accounts as soon as feasible. These accounts should be rectified as soon as possible if you do not comply with the instructions. 

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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

Date Opened XX/XX/XXXX Date of Charge Off XX/XX/XXXX Date Purchased XX/XX/XXXX Original Creditor - Re XXXX XXXX XXXX XXXXXXXX XXXX Original Purchase Balance {$2000.00} Accured Interest and Fees {$0.00} Total Payments/ Adjustments Applied {$0.00}
Product: Student loan

On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} XXXX XXXX XXXX has not done any additional work accept get my account over to FEDLOAN.GOV which I just found out I could do myself. They have charged me 3 months worth of fees and XXXX XXXX says that they have not even heard of this company. I do believe this company is a scam and I am reporting them because I want my money back. I called on X/XX/2017 and asked for a refund and an explanation to where my fees were going and they explained that they were like an XXXX XXXX XXXX XXXX. They do the paper work to consolidate the loans but XXXX  XXXX said that was not true and I could have gone directly through them for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

Things that are fraudulently list many different ways on each credit report. This Franklin is list numerous of ways on my credit and has been removed only from XXXX.
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 confidentially under 15 US 1681. 
XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX & XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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 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 crime which antedates the report by more than seven years.15 U.S.C . 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. 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. These names, addresses, and employment information : NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX. EMPLOYMENT INFORMATION : XXXX XXXX, XXXX XXXX, are inaccurate. According to 15 USC 1681s-2, 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 have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XX/XX/XXXX, and XX/XX/XXXX ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made contact with this bureau and requested a fraud alert on my report also I requested to dispute unauthorized fraudulent accounts and inquiries there was another social security number also being reported under my name. I contacted Experian and instead of removing the fraudulent accounts they merged them under my social security number they stated they would properly investigate instead they are pinning these accounts on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never got evicted, yet there is an eviction showing on my record, making it impossible for me to rent elsewhere. I lived at XXXX XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, but there is an eviction showing in XX/XX/XXXX. i have perfect rental history, on time payments with rent, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised via XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 I noticed my XXXX account was tampered and I attempted to have the fraudulent transactions stopped which continues and reflecting on XXXX, transunion, XXXX as closed derogatory with XXXX. The inactive XXXXXXXX XXXX was used to fund all the fraudulent charges processed through XXXX which placed the bank in negative balance and in XXXX XXXX. The 3 consumer reporting agencies did not notify me this account reporting and failed to establish validity. all fraudulent transactions linked to the XXXX XXXX XXXX XXXX  XXXX now showing on all my consumer reporting agencies profile. I saw fraudulent name and addresses listed also on my profile. 
This has damaged my credit and causing emotional stress, financial strain and prevents me from refinancing my home. I was never notified of the fraudulent transactions by XXXX XXXX XXXX. I attached my identification of evidence of assurance and ssn card for the case
Product: Checking or savings account

I had opened an account with Citibank with Ms XXXX XXXX at the XXXX XXXX NY location. She had promised the then running Citibank promotion of {$1000.00} for depositing {$50000.00} and maintaining that amount for 60 Days. 
As I have fulfilled the requirements already and that time frame has passed but the said promotion was never credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is keep replying by automated messages. They claimed that they mailed me the investigation summary but WITH NO PROOF. I requested, In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Where is your Method of Verification? Experian is in violation of FCRA 611 ( a ) ( 6 ) ( B ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I called with my new mortgage provider about a month ago to get a letter that shows the loan as closed and they said I would get a letter within 10 days. I never received the letter. I called again on XX/XX/2018 at XXXX and they said I would received the letter within 72 hours. I still have not received the letter. 

I just spoke with my lender and it was suggested that I file a complaint and then call them again. 

This is going to hold up getting my mortgage finalized and I need the letter.
Product: Debt collection

Collection agency has repeatedly contacted me and third parties regarding an alleged debt after being asked to cease and desist contact. 

Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.
Product: Debt collection

Good morning, Im writing this letter to figure out how a debt collector can some how open an account that shows up on my credit report for an account that has been closed for years, like 4-5 years. Now Ive tried to dispute it, but says it meets FRCA I have no idea what this means. How can a debt collector just come and make up an account without support. I havent used or even signed up for a XXXX XXXX XXXX since 2016, I currently have no accounts with this company. If I call Portfolio Recovery they then state I recognize that Im referring to the debt and acknowledge it, say what!?! If I call I acknowledge the debt is true, how do I request proof of the account if by calling Im saying it is true.
Product: Debt collection

i recently obtained a copy of my XXXX and XXXX credit reports and saw that enhanced recovery had listed an negative account on both my XXXX and XXXX credit reports without sending a dunning letter. after I filed a complaint with the XXXX on XXXX XXXX, 2015 they sent a letter with a copy of bill which does not include whether they purchased the debt I specifically asked for all documents showing that they are allowed to attempt to collect and the original contract of the debt they are trying to collect to see if I actually owe this debt. They have been reporting this on my credit report since XXXX. I requested for them to remove all negative information as I do not believe I owe this debt ad they did not provide the information that I requested and they stated that they would send the credit reporting agency status as I am disputing this debt.
Product: Debt collection

I'm outraged by your failure to remove fraudulent accounts from my credit report despite assurances from banks and compliance by other bureaus. It's unacceptable that Experian hasn't acted while others have. Other bureaus have corrected their records due to errors. Why hasn't Experian? This is a demand for immediate action as mandated by law. 
Remove these accounts now : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the cosigner on my daughters car with XXXX XXXX. In XXXX she broke her leg taking her out of work for months. She became delinquent on multiple accounts including this note. In XXXX the car was repossessed and she file bankruptcy to get her car back. She is under a repayment plan with her attorney to pay XXXX biweekly toward this car. The bureau Experian is reporting my account delinquent 120 days even this month of XXXX but reported XXXX and XXXX current. Per the Metro 2, Unlike a Chapter XXXX, Chapter XXXX bankruptcy allows you to protect cosigners and joint account holders through a codebtor stay while paying off the cosigned obligation in your repayment plan. XXXX has disagreed with this finding and is continuing to hit my score dropping by 38-40 point monthly. They have an amount. {$2600.00} past due as of XX/XX/2019. The account should only be delinquent for XXXX and XXXX prior to her filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dispute. XXXX XXXX XXXX  account says 30 days past due for XXXX. This is a joint account with someone who used the vehicle on a daily basis refusing to pay for it after previously agreeing to pay for it. I filed a replevin with the court in XXXX. The issue was not resolved until XXXX due to interpreter/covid issues. 

The court ordered the other party to pay off the account balance in full. 

I informed XXXX XXXX XXXX of the issue with the court and told them I had copies of the judge 's order. I provided the judge 's order with Experian dispute. 

Experian only updated the account showing it was closed. 

I am never late on any/all of my accounts. This was a joint account where the other party was taking advantage of me resulting in me filing a replevin with the court.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGLEHARRDT V GRAVENS ( MO ) 281 SE 715, 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT IN FACT IS MINE. THESE ACCOUNT ARE FRAUDULENT AND NEEDS TO BE REMOVED,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in three separate letter requesting that an investigation on the address on my report. 

I live at my current address and there should not be no other address on my report. 

XXXX is reporting : XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXX GA XXXX Equifax : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA XXXX These jobs are not mines either, XXXX XXXX and walking into destiny