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

XXXX sent me a letter advising my credit information was used for an application on XX/XX/19. I did not apply for an account or services with XXXX so this application and credit inquiry is fraudulent. I tried to contact XXXX to report the fraud but fraud phone numbers and their website for fraud only offers automated messages that if you are not a customer you must mail in a fraud packet with a police report and photo id to even report fraud and start the process. I also tried to contact Experian at the number referenced on XXXX letter XXXX but there is only an automated prompt for credit alert, freeze, order credit report or info for credit on a minor. I tried all prompts and there are no options to file a dispute or talk to a representative. Experian online verified a hard inquiry was done by XXXX but their dispute website does not allow you to dispute hard inquiries online. It references to call a service specialist but the number takes you to the same automated prompt from the number on the letter and you can't get a rep or file a dispute. These hard inquiries adversely effect my credit score and will stay on my report for 2 yrs and Experian has no means to file a dispute for fraudulent hard inquiries to my credit report. I tried several phone numbers listed on websites but they all go back to the automated prompts with no option for a rep or to file a dispute online ( hard inquires ). I had other fraud on my account for hard inquiries including XXXX but i was able to speak to reps at XXXX to report the fraud. I placed fraud alerts to the 3 credit bureaus but am still unable to find a means to notify Experian that the hard inquiry from XXXX is from a fraudulent application. The hard inquiries resulted in adverse action per XXXX  letter citing " total amount of inquires too high '' and too many hard inquiries effects my credit score. Experian not having a means to dispute the fraudulent hard inquiries violates my consumer rights.
Product: Debt collection

I got a bill its not mines they kept calling XXXX {$190.00} Date XX/XX/2021
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Subject : Debt Validation Request Dear NCA, XXXX. I am writing to formally request that you validate the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request a written verification of the debt and request that you provide the following information : 1.The amount of the debt, including any fees or interest added. 2. The name of the original creditor to whom the debt was owed. 3. Documentation showing that I am the person responsible for the debt. 4.Proof that your agency is authorized to collect on this debt. 5.A copy of the original signed agreement, if applicable. Please provide this information to me in writing within 30 days. Until I receive this verification, I request that all collection efforts be suspended and that no further actions are taken to collect on this alleged debt. Additionally, I ask that you refrain from reporting this alleged debt to any credit reporting agency until it is properly validated. Please note that this is not an admission of liability for the debt, nor is it a refusal to pay. It is a request for proof that the debt is valid. Thank you for your attention to this matter. I look forward to receiving the requested information. Company I am writing to formally lodge a complaint against National Credit Adjusters LLC ( NCA ) for the unauthorized and fraudulent use of my name and signature on an agreement. This unauthorized action has caused significant distress, and I believe it constitutes a clear violation of applicable laws and regulations. Specifically, I have discovered that my signature was forged on a document purporting to confirm my agreement to certain terms and conditions, which I did not sign, authorize, or approve. I take my personal and financial integrity seriously, and I find this situation deeply concerning. The unauthorized signing of my name is a violation of my rights under state and federal laws, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive and unfair practices by debt collectors. State laws governing fraud, forgery, and misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was PAID IN FULL mid-XXXX and account closed with supporting documentation XXXX XXXX XXXX  Yet again, it has is been reported as a NEW ACCOUNT and DROPPED MY SCORE! The balance of {$470.00} is still showing as owed which could soon be shown as a collection account. XXXX XXXX  has moved YET AGAIN BEFORE the 3 major credit reporting agencies although they claim they pull their information from them. ( Yeah, Right! ). My scores with Equifax and XXXX wasn't affected. The battle is seemingly constant regarding their reporting incorrect items to my account. I have freezes and alerts placed on my accounts for SEVERAL MONTHS now. Why are these inaccuracies continuing to be reported? How? This report is VERY shady. It seems instead of protecting yourself from ID thieves, you need to protect yourself from them. FED UP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX, and Equifax on serval occasions requesting the removal of Inquiries that I did not authorize. Only to be told that they have no affect on my credit. I do not have open accounts with these companies and have never applied for credit with them. On my XXXX credit report there is XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX  XXXX dated XX/XX/XXXX, XXXX/XXXX  dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX, XXXX XXXX   dated XX/XX/XXXX. On my Equifax report XXXX XXXX  dated XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I have written these bureau 's over the past year disputing the accuracy of my report 's due to me trying to purchase my first house and these inquiries are affecting my score and preventing me from purchasing my forever house for myself and family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXXXXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor XXXX XXXX XXXX XXXX Account Number : [ XXXX ] High Balance : {$14000.00} Balance Owed : {$14000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account, Accounts closed by credit grantor Credit Limit : {$0.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : No detailed information provided. 
XXXX : No detailed information provided. 
Equifax : Account reported with a balance of {$14000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 

Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have never received a right to dispute or a validation of debt. Furthermore, I have filed previous complaints alleging re-aging and inaccurate credit reporting. I am attaching a copy of my XXXX credit files, provided directly from the credit bureaus. These documents prove that the date of first delinquency and date of removal are all different. With correct reporting this would be impossible. The date of first delinquency is a firm unchanging date that must remain the same between bureaus as it is a record of fact, a singular point in time that the alleged debt became delinquent. The bureaus do not generate this information, it is provide by the collection agency. This inaccurate information is a violation of my consumer rights and a violation of the FCRA.
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 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 are 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 your reference. My 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 Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


Account XXXX : XXXX XXXX, NUMBER : XXXX
Product: Checking or savings account

on Thursday XX/XX/2024, I called my bank to release my pending deposit as they stated my available funds were not going to reflect until the next day. I normally get paid every Thursday night, which is typically when my funds reflect my available balance. 

I have {$200.00} going to my savings and the rest goes to my checking 's. however, when I am overdrawn in my checking 's, my savings is pulled to cover my overdraft. however, on the night of XX/XX/2024, I transferred that {$200.00} that was deposited into my savings to my checking 's account, which made it a {$0.00} balance. 

the next day XX/XX/2024 somehow my bank system did not recognize I transferred that {$200.00} already and their system transferred " another '' {$200.00} into my savings but there was nothing to transfer as I has already did so. my checking 's was already cleared at this point, as my direct deposit had already hit my account. 

then their system transferred from that same checking account to that same savings account {$190.00} to clear the negative savings account leaving it {$5.00} in hole. 

I then went up to a navy federal location to explain my concern and that I am owed {$200.00}, because had their system recognize I had already transferred the {$200.00}, I wouldn't have had the negative {$200.00} in my savings. Which wouldn't had caused their system again to transfer {$190.00} from my checking 's to my savings to cover their system error of causing that negative in my savings. 


I was made aware that there wasn't any error and that everything balanced out, but when their system transferred that " {$200.00} '' my checking balance did not go up, it stayed the same, but my savings went into the negative. 

then I was told that the " {$200.00} '' went into my joint account, but I checked that account, and the balance was still the same. 

I asked for copies of both savings and checking 's and was denied a copy of one of them.
Product: Credit card

I called CAPITAL ONE/SAKS XXXX many times since XXXX on XXXX account # XXXX opened on XXXX Today XXXX ID # XXXX claims that she & manager insist I call the Social Security office as it their fault for the ill acts of CAPITAL ONE SAKS/ EQUIFAX XXXX XXXX IDE # XXXX stated several times that she does think the social security office is at fault for issuing social securities if they did not issue social securities credit bureaus would never make mistakes.
Product: Debt collection

Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this. Seeking possible litigation if not resolved. Equifax has yet to look into this erroneous information which is a defemation of my character.
Product: Credit card

I tried to close the account and was left on hold for more than 20 minutes
Product: Debt collection

I have asked Diversified Consultants to send me verifiable documentation that this debt is indeed mine ( first request sent on XX/XX/XXXX, please see letter attached ), in turn they sent me was a bill of the charges they claim I owe. I sent the second letter demanding the same verifiable documentations ( sent XXXX, see attached ). They again responded with a bill, of the charges they claim I owed. I also would like to mention that this account was previously owned by XXXX XXXX, who ceased collection on this same account, and removed it from my credit file. Somehow this account was resold to Diversified Consultants!
Product: Credit card or prepaid card

I paid off my balance in full and capital one is still charging residual interest. my bill was due on XX/XX/XXXX I paid off my entire statement balance XX/XX/XXXX and I check this months bill and see that I had an interest charge. They claim its a valid charge.
Product: Debt collection

This is a debt against an old apartment lease. I left the apartment with the understanding all was paid. I recently started to monitor my credit and found this collection account that I was not aware of. I lived in XXXX  XXXX XXXX apartments from XX/XX/XXXX to XX/XX/XXXX. I now have this negative collection for a debt that I have never been contacted or received any type of bill. I have had perfect rental history for over 10 years. If there was an issue with this complex, I would have reached out to resolve it. Unfortunately while I lived there, I had an issue with one of the office personnel who was on XXXX and she knew that my kids and I were aware of the situation. I would like to get this resolved as soon as possible. It is hurting my chances to try to rent a new apartment. I was in the same home for 3 years. They had plenty of time to reach out.
Product: Credit reporting or other personal consumer reports

Freedom Mortgage is reporting several late payments on my account I am hoping we can resolve. I went through a rough patch in my life and lost my job so I had no income for a few months. As soon as I found out, I called Freedom Mortgage and let them know about the situation and they were able to opt me into some kind of plan and it all sounded fine. However, I was never told that this would set my loan on a recurring XXXX  day late or I would have never agreed to it. I was completely unaware until I checked my credit one day and I had various lates for 7 months! I went through a rough patch and asked for help and I would have rather figured it out somehow instead of having a recurring late. I was able to sell my home and the account closed. However, this is really affecting my ability to move forward with my life. I was completely unaware of what this would do.
Product: Credit reporting

equifax refuses to remove student loan services ( XXXX, us department of education and XXXX ) from negitive accounts on my credit report. after numerious dispute attempts and supporive documentation provided that all of my student loans are in defferment. equifax has also refused to remove XXXX and XXXX XXXX from negitive accounts as requested and have placed all other accounts in closed accounts after providing chapter XXXX bankruptcy discharge documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loans from XXXX unfortunately i have a XXXX  XXXX and therefore my student loans was discharged by bank, i have received from XXXX XXXX  a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( Transunion, XXXX  and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was XXXX XXXXe balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.
Product: Credit reporting or other personal consumer reports

I want all these hard inquiries remove I did not authorize to run my credit its fraudulent. The companies are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX XX/XX/1969 my complaint is that there's a judgment on my equifax credit report from XXXX XXXX the credit reporting agency unlawfully report this fraud item on my equifax credit report. Judgment s no longer and tax Leins don't suppose to report on my credit report that applies to all consumers
Product: Mortgage

On XX/XX/2018 I sent an email at the advice of The Money Source 's customer service to request another veteran who was purchasing my home to assume my mortgage. I got no response for over two weeks. I called the company numerous times over the course of the two weeks to no avail. During this time, the buyers conducted an inspection of our home and while waiting to see if the loan can be assumed, we had to make financial decisions based on the unknown. We agreed to fixes being done on the property which we would not have agreed to if the loan was in fact assumed. 
Our closing was scheduled for XX/XX/XXXX. The XXXX XXXX provided documentation that needed to be signed for the assumption. This documentation relieved the us the sellers of any financial responsibility of the loan. The selling transaction took over two days to go on record because The Money Source did not send the proper paperwork to the closing. This forced us ( sellers ) to pay two additional days of expenses. 
Nowhere in the documentation we signed did anything say we forfeited our rights to our money in escrow. After 30 day, a phone call was made to The Money Source requesting the money in escrow. I was told that I relinquished the rights to that money ( over {$1200.00} ). After speaking with my attorney, many hours were spent dealing with the money in escrow. This is time an attorney had to use to rectify an escrow check which is protected by RESPA. Finally 43 days after the closing, the money was received. 
45 days after close I received a call from The Money Source saying my account is behind! I do not own this mortgage, but my information is still associated with the loan. In an email from The Money Source to the buyers of the property, it stated a payment was not due for 30 day, yet this is the second month the mortgage company is requesting payment ( XX/XX/XXXX, XX/XX/XXXX). XX/XX/XXXX payment should not have been due.

This loan was assumed. Time and money has been sacrificed at the hands of The Money Source
Product: Student loan

My loan was in forbearance. when I graduated I only owed XXXX XXXX now it say I owe over XXXX XXXX XXXX. The school I graduated from no longer exists and the interest from the forbearance Is fraudulent
Product: Credit reporting or other personal consumer reports

A 1099-C was issued from Capital One N.A./Kohl 's Credit Card XXXX The amount of the discharged debt is {$670.00}. The balance of the undischarged debt is not being correctly reported to any of the Credit Reporting Agencies after a dispute was initiated and completed. Kohls failed to conduct a reasonable investigation on the stated account, under 15 U.S.C. 1681s-2 ( b ). There are factual inaccuracies.
Product: Credit reporting

I have opened an investigation against XXXX ( former XXXX ) with EQUIFAX. I was told that because I had a lot of documents it would be better to fax the information in. So I followed what I was told. After 30 days I receiving a DELEATION notice, after that another and another ... a total of XXXX separate deletion notices. On XXXX XXXX the trade line ( which contains fraudulent information ) with was re-instated! 
I did ask why it 's back on my file? without notice to consumer? and why the creditor was not asked to certify that the information was correct? 
I was told that : the creditor was not asked to certify the information and that it was not necessary. I was also told that Equifax somehow between the fax and phone conversation had opened more than XXXX dispute and even though all contained different information the creditor could choose to answer ONE.. that was enough to be re-instated and even though they did n't answer on time that was OK too! Now they are still on my credit report, a charged-off account for over 7 years to be exact for 7 years and 4 months. See Deletion notice from XX/XX/XXXX XXXX ( un-answered dispute =deleted ), See Deletion Notice XXXX ( un-answered dispute =Deleted ), and XXXX 3rd Deletion provided to me over the phone on XX/XX/2015. EQUIFAX did not follow any of the lawful procedures. If they made mistakes on their part they need to remove the XXXX XXXX trade line. It also defeats the purpose of the dispute process if creditors are allowed to skip over some disputed and only answer some but not others and answer in what ever time frame they wish not when they suppose to answer ... totally unlawful!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX/XXXX XXXX XXXX - Past the statute - Remove XXXX/XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX/XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX/XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX/XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

Was declined credit card. 
See attached pdf.
Product: Credit reporting or other personal consumer reports

I tried to apply for credit and a soft pull was done and was denied based upon the information reporting on my credit report. When I checked all 3 bureaus, XXXX, Equifax, and XXXX, they have been reporting information on my credit report without my permission. This in itself resulted in denial of credit with merchant