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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX Date Opened XX/XX/2015 Balance ; {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This collection agency repeatedly calls my husband, and even went as far as to tell him they were a collection company and give him the amount of my debt. They ALSO shared the type of credit card it was and when it was taken out with him. It is my understanding that they can not share this information with him. The debt was from 5 years before we were married, and he has not affiliation with it. This happened XX/XX//18. 

The company is called Portfolio Recovery Associates. Their last call to him was about 10 minutes ago, and they hung up on him as soon as he told him his last name was different than that of my debt.
Product: Mortgage

I requested a modification back on XX/XX/XXXX of 2024. I still havent received the modification letters. They keep telling me that everything is complete. They dont need anything that worked on the modification then they come back and say well we still need this to finish up the application and is information that I have already sent them that they already have, or is information that they have and they didnt even take time to look at it and previously asked for that weeks ago had you asked for this whole process is horrible. They just been going back-and-forth back-and-forth with me since XXXX XXXX nothing has been resolved resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. After carefully reviewing my report, I have found several errors that are causing damage to my credit score. 

Firstly, I noticed that there was an inquiry made by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. However, I do not remember authorizing this inquiry and I believe it might be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, there was an inquiry made by XXXX XXXX, XXXX on XX/XX/XXXX, which I also do not remember authorizing. As with the previous inquiry, I believe this may be fraudulent, and I request that it be removed from my credit report immediately. 

Thirdly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which to the best of my knowledge, has never been paid late. However, your reporting of this account is completely inaccurate and is negatively affecting my credit score. Therefore, I request that you update this account and delete the inaccurate information immediately. 

Fourthly, I have an account with XXXX XXXXXXXX XXXX account number XXXX, which I find questionable as I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Fifthly, I have an account with XXXX XXXX, account number XXXX, which I do not recognize as belonging to me. I kindly request that you investigate this matter and delete this account from my credit report. 

Sixthly, I have an account with XXXX XXXXXXXX XXXX XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Lastly, I have an account with XXXX XXXXXXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

I would greatly appreciate your prompt attention to these matters. I look forward to receiving a written response from you within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

The company XXXX XXXX XXXX acquired a possible debt older than 8 years of age. Resurrected the file on XX/XX/2018 bringing back to life an expired account. 

This record should be extirpated from file due to status of limitation on collectible debts and legal terms showing up on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already reached out once to Experian & XXXX about the 2 following accounts : 1. XXXX XXXX XXXX - {$450.00}. This account do not belong to me.

2.XXXX XXXX XXXX- {$12000.00} account does not belong to me.

they response debts were verified - well according to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed above. 

Under the FCRA, unverified, invalid accounts must be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting to XXXX and Transunion after selling consumerss alleged debt to XXXX XXXX XXXX. This corporation never had consumers permission to report private account/record, nor to report to any non-affiliated third parties. Consumer was never in contract with this company for any reason. The reporting agencies received previous disputes that fit FCRA requirements for removal. 15 U.S. Code 1681 covers several laws being violated to include willful non-compliance ( 1681n and o ). Additionally, continued reporting violates the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

I'm making a complaint regarding Experian 's failure to conduct a proper investigation into my previous complaints. I previously noted XXXX accounts on my consumer report showing as a charge-off for a year or more. Experian has either come back with a response as verified or no response to the complaint at all. My previous complaints were from XXXXXXXX XXXX XXXXXXXX. I can't open up those complaints because they are so old, but the complaint number is still there showing the date of the complaints. 

Specifically, I disputed the following items that were charged off : XXXX XXXX XXXX XXXX Account No. ending in XXXX XXXX XXXX Account XXXX. ending in XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. ending in XXXX XXXX of Maryland Account XXXX. XXXX The IRS specifically states that a charge-off whether it gets canceled or not is now considered income. Income does NOT get reported on the consumer report. I mentioned this in my previous complaint about Experian not conducting a full investigation into the complaint, and just coming back with a verified letter. How can you verify an item that shouldn't be reported anyway? It's improper use of my report, and the CRA along with the furnisher of the information violate my rights under FCRA. 

Through the process of securitization, those companies legally can not collect on an account that wasn't transferred back to them after they sold it, which is explained through the XXXX reports on the XXXX  website XXXX 

The CFPB has sued Experian for " sham investigations '' into disputes, and this is one result of many from their lack of conducting proper investigations which caused me financial hardship and my ability to extend credit has suffered too. I've been trying to get this resolved since XXXX. Instead of Experian following the law and knowing the rights of consumers, it seems as if they completely disregard those rights and do what they want. 

This failure also includes reporting a student loan from the US dept of Education that is from XXXX. Experian told me themselves on the phone that after 10 years student loans do not report to the consumer report. Why would they then allow an account to be added that is XXXX XXXX XXXX and isn't under the US dept of Education? Also not verify information on the previous student loan account which is filled with incorrect information, like the start date for example. I never opened any student loans in XXXX.
Product: Debt collection

In XXXX and XX/XX/2022 I wrote to XXXX XXXX in regards to a collection account that they placed on all three credit bureaus. I asked for " Validation '' of this collection and they have never responded. ( see both certified letters & return receipts cards )
Product: Credit card or prepaid card

Someone purchased XXXX XXXX XXXX with my card at Google pay and when this was done it put my account in over draft and I have to pay a XXXX dollar over draft fee that I need for medicine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent both XXXX and TransUnion a request to provide me the original baring instrument that they had on file proving that they applied the accounts that were truly mine onto my credit file. I stated to both credit bureaus in writing that the FCRA Law Section 609 mandates that their agency have on file at the time of reporting a signed document showing that all accounts listed in my original letter were truly mine. However, both agencies have not provided me any documentation as required by the FCRA Law Section 609 stating that they have verified and have the written instrument showing that the accounts that I had in question belonged to me, which bared my original signature. However, both credit reporting agencies failed to send me the verified document, but instead, they just disputed the account with each creditor and then they lowered my credit score. I have also paid nearly {$8000.00} to one of my creditors ( XXXX XXXX XXXX ) in XXXX of 2019 and XXXX   still did not increase my credit score. They lowered it. I have been on the phone with XXXX  and TransUnion for several, several hours getting nowhere. Each representative appears to not be knowledgeable of the FCRA Law Section 609. They only offered to dispute the accounts that I listed on the letter I sent them certified. However, I did not ask them to dispute the accounts with the creditor, I specifically asked each Credit Bureau to provide me the proof of the signed instrument bearing my signature which they should have on file proving the account was mine. They have failed to do this and I would like the CFPB to enforce each credit bureau agency to comply with my request and since they do not have any proof that the account is mine to delete it off my credit file. I have attached the certified letters that were sent to both credit bureaus with this complaint.
Product: Student loan

Since XXXX XXXX, I have attempted to get a copy of the master promissory note from the current servicer - Navient - of a set of my student loans ( XXXX subsidized and XXXX unsubsidized Stafford loan through the FFEL program, disbursed in XX/XX/XXXX ). After multiple calls in which I have been told that either ( a ) my information would be sent to me, ( b ) they do not hold the MPN and that I should contact the original guarantor ( which I did and the guarantor indicated that this was incorrect and the servicer should have a copy of my loan ), and ( c ) they do not hold the MPN and that I should contact XXXX as they would have the MN ( which I did, and was told that this was incorrect and that the current servicer should hold the MPN ). I have never experienced a greater lack of professionalism and lack of service, including never being given an update on my requests unless I contacted Navient again, as I have with this company.
Product: Debt collection

Nationwide Recovery Service has constantly called my phone every single day using different numbers for the past few months. I do not have any debts or owe anyone money.
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. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXXhas violated my rights. 
XXXX Account # XXXX has violated my rights XXXX Account # 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 an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related 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

This is XXXX XXXX submitting yet another CFPB complaint today regading the Credit Reporting Agencies. I am appalled by the lack of responsibility on the Credi Bureaus ' behalf. When will the Credit Bureaus going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please correct the following accounts : XXXX XXXX XXXX XXXX, MO XXXX- Please remove this inaccurate and outdated address as soon as possible. 
XXXX XXXX XXXX XXXX, MO XXXX- This is not my home address neither did I ever currently received mail to this address. Please verify and remove immediately. 
XXXX XXXX Balance : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account USDOE/XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 
USDOE/XXXX  XXXX Balance : {$0.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$0.00} - This account is not charged to me. My record shows that this account was paid as agreed and Balance is XXXX. Please delete this account immediately.
Product: Credit card or prepaid card

First, I'm thankful that you're finally taking the matter of this illegally opened account seriously. 

Second, I am well versed in my rights and know that the course of action you outlined in your response to my last complaint violates my rights ; by now you have received a copy of the FTC ID Theft Affidavit that accompanied a copy of the letter from my wireless carrier. According to the FCRA, once you're received the ID Theft affidavit, you are to stop all collection actions and stop reporting to CRAs until investigations are complete. I also know those investigations are 30 days long, not 90 days. 

Finally, if you do not remove any negative information from CRAs within 10 business days, and if this said investigation takes longer than 30 days, I will file suite on day 31. At which point, every lie you've written on this forum will be shared in open court as evidence of your willful disregard for the truth and laws that govern this environment.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a collections on our credit report due to an eviction case that had been dismissed. although the case was dismissed and the attorneys for XXXX XXXX at XXXX ; agreed during mediation not to put anything on our credit reports. However they did and it has been difficult to find housing because of this collections on our credit report, and listed as " XXXX ''. We contacted NCC by email as they are the collection representatives for XXXX XXXX at XXXX. I have enclosed the emails to which I asked for itemized listing of debt, then attempt to settle the debt. I called XXXX XXXX XXXX ( XXXX ) to speak to a representative on XX/XX/XXXX as I was fighting identity theft. I contacted the XXXX office to get proof of residency and to discuss the debt. I left a voice message I never received a call back. enclosed are attachments that will give more detail.
Product: Credit card or prepaid card

Related to case : XXXX Venmo/Synchony is lying and giving false information to CFPB. 

They billed me XXXX times for this charge, and only credited me twice. Therefore, they have billed me for something that was a fraudulent charge. 

I have called XXXX times to discuss this with Synchony/Venmo. They also DELETED all copies of the messages ( but I have proof since I screenshot them all ). I asked for them to tell me why this happened and it is always " escalated to corporate '' but it has been that way for years. I was rebilled this charge WITH NO INVESTIGATION DONE BY THEM which breaks their T+C. I legally demand a credit of this amount, and I also demand an answer WHY they decided to close my card once I demanded a proper response. CFPB, please read : they closed my account when I demanded to know why they rebilled me and deleted all prior messages. I have asked if I can sue or if I need to arbitrate, and they will not answer. This company is acting illegally, and they have been taking interest payments for invalid charges that they refused to investigate, have closed my account over when I try to find out why, and have harassed me since. CFPB is called the XXXX XXXX. I need protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/ Open XXXX XXXX XXXX Balance Owed : {$13000.00} ChargeOff XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Collection XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$660.00}
Product: Prepaid card

On XX/XX/11 I received an AMEX ecard in the amount of {$500.00} ( XXXX XXXX ). It is activated. 

I followed the instructions to add the card to my XXXXXXXX wallet. 

I attempted to use the card at : On XX/XX/11 - XXXX  for a purchase of {$59.00}. The site accepts AMEX and requires the card number, expiration date and CVV security code to process. 

On XX/XX/11 - XXXX for a purchase of {$56.00}. The site accepts both AMEX ( requires card number, expiration date and CVV security code to process ) and XXXX wallet. I tried to make the transaction using XXXX wallet and the transaction failed. Then I keyed the AMEX details directly on the site and was also declined. 

I reviewed the instructions and cardholder agreement on AmexXXXX.com. The ecard is supposed to be able to be used with XXXX wallet and wherever AMEX is accepted. 

I called customer service and asked why my card wasnt working. The customer service rep could confirm that I tried to use my card several times, but the vendor was blocked. 

I asked if there were a list of vendors where I could use my card, or a list of blocked vendors, and was told that list didnt exist. In XXXX to try to find this list, I came across several XXXX threads where users had a similar experience as mine and could not get the card to work anywhere. 

Since the cardholder agreement states that the card can be used wherever AMEX is accepted, and the marketing materials with the gift card indicate that I can use it with XXXX wallet and anywhere AMEX is accepted online, I would appreciate having the funds provided to me in a form that I can use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint and was told it was being worked on. However, XXXX allowed the company to again submit for payment on an already settled account, and one they said was being investigated and worked on. This happens every time XXXX states they are resolving it, yet the company keeps submitting for an already settled claim.
Product: Credit reporting or other personal consumer reports

Ive tried calling and reaching out to the companys either no one answers or the manager is busy or the number is not in service.
Product: Debt collection

Reported XXXX XXXX as XXXX, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

Revised on XX/XX/year>, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX Account Number : XXXX 15 US.C. 1681 section 602 .A States I have the right to privacy.

15 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$10000.00} per violation