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

Experian is reporting a lot of addresses that are not mine. 

I have my current address and my previous address, which are the only two addresses that should be on my report. Nothing else.

Experian has almost two dozen other addresses on my file that are not mine. I would like for them to remove any address that is not current or is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting creditors, 3 major credit bureaus and sub bureaus update disputed credit information with past account statuses in accounts status column and balance and payment history for various months and previous as well as current months when all revolving and installment accounts with the exception of federal student loans have been brought to closed, paid, sold or transferred, as current account ( s ) status.  Requested vigorous investigations into matter to no positive outcome and past, now present delinquencies that have been previously requested for correction, deleted or no data be provided for inaccuracies found to no avail or positive outcome. Please remedy situation at hand.
Product: Debt collection

XXXX XXXX has been contacted on several occasions. They have failed to provide me with documentation bearing my signature so that I can validate that this account is indeed mine. They are reporting negative information and it is damaging my credit score. They have completely ignored all correspondence that I've sent. I am demanding for this account to be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00}
Product: Mortgage

The original mortgage ( Huntington National Bank ) was sold on XX/XX/2004 the lender has sold servicing rights to the loan to another company to service the loan.. Huntington National Bank has not release or transfer the account information to the new servicer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX  has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

i am listing 5 fraudulent inquiries from my Transunion and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the listed inquiries do not belong to me and must be removed from my Trunsunion and XXXX credit report. i had a call with all companies and credit reporting agency and was advised to fill identity theft report for deletion. i am requesting Trunsunion and XXXX to mark listed inquiries as fraudulent and remov them from my credit report.
Product: Vehicle loan or lease

Called the company several times to report a fraudulent membership. Now I have XXXX car loans on my credit report. I'm suspicious of the activity from the personal who requested these loans because they might have also applied for virtual debit/credit cards including car or credit card loans online through the company. The company has failed to take proper action to remove this membership. I reported that i know who it is, still no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some errors and incorrect elements that are in my credit report since XX/XX/2021 and so far the credit bureaus have not given me an answer.
Product: Credit card or prepaid card

I have a Synchrony Bank mastercard that was issued to me by Samsclub store over 10 years ago when their store was open in XXXX. The club closed in my area about 4 years ago but I kept using the master card. The creditcard has rewards similar to many other credit cards. I was given my rewards since the store was closed either by check or credited to my master card. 
In XXXX of this year I got an email from Samsclub that says my rewards could be only redeemed in cash in Samsclub stores or used as a credit to buy from their store. 
Later on XX/XX/XXXX I got another email that says my rewards was ready and could be cashed or used to pay at their store. I called The Mastercard customer service on XX/XX/XXXX following this email to inform them there was no a single store in my area. I made them aware that Sams club stores were closed about 4 years ago. Hence there was no place I could go to cash it. Instead I asked them to send me a check as before or credit me to pay for my mastercard purchases. 
They told me that they could not do it now due to a change of policy. When I asked when the policy was in effect, they told me it was there. Why was I not informed about it when I was paid in the last consecutive years with a check, I do not know. Not only that, I had also made a call on XX/XX/XXXX to know about the status of my rewards. I was told by the customer service that they would send me a check sometime in XXXX of XXXX since there was no Samsclub stores in my area. The call, I believe, is in their records. 
They are not consistent with their their information. One would expect they would inform their customers of the effective date when the policy would apply. They can review their records what they told me in XX/XX/XXXX and in XX/XX/XXXX. They need also to see why they paid me for the last three years by check or credited to my master card and now they are insisting I can only use it in their store. 
I am totally unhappy with their service and I hope someone above me tells them to respect their customers and be consistent with their policy. This is not the first time I had to tell them about the closure of the store in my state. There is a disconnect between the policy makers and where their stores are located.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian 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 bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please help me get these unauthorized inquireis of my report : XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax 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 Equifax XXXX XXXX Equifax XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian regarding the derogatory credit reporting from this creditor. XXXX XXXX XXXX responded to Experian advising that the file was accurate and correct and no action will be taken. I respond back to XXXX XXXX XXXX in which I submitted a request for Verification of Debt which they received on XX/XX/XXXX ( I sent the letter via registered mailed through the USPS ). As of the date of this letter, XXXX XXXX XXXX has failed to respond back to my request. 

I re-disputed the case with Experian once again as identify theft in which XXXX XXXX XXXX again just responded that the file was accurate and refused to remove the derogatory reporting. The failed to provide me nor Experian any documentation to support their position and due to the failed to comply with the Request for Verification of Debt within the 30-days timeframe, the file must be removed. 

I filed a police report ( confirmation # XXXX ) with the XXXX Police Department on XX/XX/XXXX. I do not owe them, and they do not owe me anything. My request is simply to have this inaccurate file removed.
Product: Credit card or prepaid card

I obtained a credit card from XXXX XXXX ( acct. no. : XXXX XXXX XXXX XXXX ) with a credit limit of {$6000.00} in XX/XX/XXXX. I also added my husband as an " authorized user '' in an attempt of assisting him in establishing credit sometime in XX/XX/XXXX. In turn, Navy Federal insisted that I made him a " joint owner, '' and he or I never signed any agreements stating such, nor did I ever receive the requested agreement. After requesting the original signature for the agreement adding him as an " authorized user '' was made over the phone! Fast forward THREE card renewals later, I was informed by Navy Federal that they were not sending me a renewal card for my usage because, upon reviewing my account, they decided not to send a renewal card because " I was too close to the credit limit. '' Being close to the credit limit was not a problem before when I would pay the balance down more than 60 % of the balance the following month. Although I did not understand their reasoning for not sending me a new credit card, I continued to pay for the debt I had incurred. Once my husband decided to file bankruptcy on XX/XX/XXXX ( discharged XX/XX/XXXX ), he included the Navy Federal " green credit card '' in his bankruptcy since Navy Federal also declared him financially responsible for repayment and removed from HIS credit file but remained on the mobile app and notification of payments due. With my husband filing bankruptcy for this credit card, why am I continuing to make monthly payments and Navy Federal restructuring my loan by readjusting the interest without any notification and making my payments higher?
Product: Debt collection

XX/XX/2019 Called my employer XX/XX/2019 Called my employer XX/XX/2019 Called my mother Delta Management repeatedly call and harrass my family and employer asking about me, if I work there, how to contact me. They do not identify themselves by the company they work for they will just identify themselves by the name of the person servicing the call. Currently my wages are already being garnished by a student debt collector and now another one is after me? When will this stop? I have almost no money left to live on and they give almost no information. I didn't even take my loans out from this company, it's a servicer and they keep calling and asking my employer about me. I'm really worried that i am going to lose my job because of this. These debt collectors for my student loans are ruining my life. My loans have been in and out of default for years, I can't even crack the principal of the loan if I tried. I know I know they've sent paperwork to my employer but I'm not sure what to do about it ... I'm so scared that they are going to take EVEN MORE MONEY from me.
Product: Debt collection

Today has called me 4 times alone. Called the number back and the person who answered immediately aggressively asked me to validate my last 4 of social, birthdate and other identity fraud worthy content which he rattled off to me. Asked who he was and he said Nationwide. Informed him I do not have this insurance l, assuming that was who it was. Only after this was told the company name but all the representative seemed to want to do was validate my personal info above. I had previously blocked the number on my cell phone but the number keeps coming through, so due to all this asked them to not call again and send something in writing.. Got yet another call from same number an hour later.
Product: Credit card or prepaid card

I originally had a credit card with XXXX XXXX XXXX for several years. Always paid with autopay each month and the payment/balance were usually around {$10.00} or less. 1 charge each month to keep it from being stagnant and always paid off. The account apparently got transferred to Comenity Bank and I never received anything on the transfer. Nothing in the mail or anything. I finally received a phone call when the account was 90 days past due with a balance around {$43.00}. The autopay never transferred, and I never knew anything about it until I received that call. I immediately paid the balance in full and asked if this would affect my credit. They assured me it wouldn't as now you're paid in full. I was a little skeptical and asked to speak to a manager. Eventually the phone hung up in the transfer to a manager. I eventually received an alert that my credit score dropped. It dropped big time to say the least. You can look at my payment history and see that it was paid on time 100 % of the time with every account. I am asking that this issue gets resolved and my credit score and payment history goes back to 100 % on time. Thank you
Product: Vehicle loan or lease

My payment due for this account : XXXX is on the XXXX of every month. My bank sent a payment on XX/XX/XXXX, and XX/XX/XXXX. Yamaha is attempting to charge late fees and is not honoring the XXXX XXXX XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and did not get a response, also submitted a cease and desist letter but continue to receive harassing calls and letters, they are in violation.
Product: Debt collection

My name is XXXX XXXX dob XX/XX/XXXX. 
I have a medical bill was already being paid through one collection agency called XXXX. At the same time a different company called XXXX was sending letters and calling about this same account. I kept telling them we were working with a collection agency already and they were already doing monthly automatic payments. 
I told them to call their client, the original creditor, because as of XX/XX/XXXX the account was paid in full. They told me they don't need to call the original creditor. After numerous phone calls and letters, including my phone call on XX/XX/XXXX. XXXX  sent me a letter saying has determined my dispute is not valid and I still owe the full amount of {$660.00}. 
On XX/XX/XXXX I have had a phone call with the original creditor and they told me XXXX is not one of the collection agencies they even use. 
Original creditor : XXXX XXXX account # XXXX service date XX/XX/XXXX XXXX  alleged account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX phone XXXX
Product: Credit card or prepaid card

Several fraudulent attempts were made to gain access my U.S. bank credit card account ( XXXX XXXX XXXX XXXX The company sent me at least XXXX new cards, including XXXX of which I never received. They finally made the decision to close my account ( letter sent on XX/XX/2023 ) because they said that it was at high risk of fraud. After the account was closed I requested to be able to redeem the rewards points that I had accumulated which totaled XXXX points which is equivalent to over {$380.00} dollars ( they only provided rewards in {$25.00} increments as a gift card redeemable at authorized XXXX XXXX dealerships ). At the time they closed the account I was eligible to redeem {$370.00} worth of points. They sent me a letter dated XX/XX/2023 saying that they were unable to fulfill my request to redeem rewards " due to the current status on my account ''. I believe that this denial of my request for the rewards was very unfair and amounts to stealing those rewards that I had legitimately earned. I had this account for over 29 years and always made payments on time. I was the victim of the fraudulent attempts to access my account, NOT the perpetrator. Please assist me in obtaining the {$370.00} in rewards I had earned. I have provided a copy of the last credit card statement that I had received which shows the rewards points balance ( I did not receive a statement in XXXX ). I have also included copies of the original credit card which matches the statement and the most recent credit card that I received, a copy of the letter closing the account, a copy of the letter denying me the rewards points, a copy of a letter confirming that I had reported identity theft to the company and a copy of a letter showing that they were aware of fraudulent activity pertaining to my account. Apparently their security system was not able to prevent recurring attempts to gain access to my account that included changing my address, email address and phone number even after placing an alert on my account.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a utility bill that was sold to XXXX XXXX XXXX XXXX - I paid this back on XXXX/XXXX/2015. I went to apply for a mortgage loan and found out that now CBE group is trying to collect on this. I provided them all the documents and called and asked them to remove this account because it was not my fault. They said NO - we will update this to Closed. How can they report something let alone try to collect on something that I already paid to another collection agency. This is now stopping me from getting my home loan. I am prepared to file a legal suit against them if I have to. I just want the account removed off my credit.
Product: Credit reporting or other personal consumer reports

The account with account/tradeline " XXXXXXXX XXXX " and partial account number XXXX reports as a C/O with an " On record until '' date of XX/XX/XXXX. 
The courts within my Federal Judicial District have published a case that demonstrates how C/O are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the account herein is XX/XX/XXXX and applying the method demonstrated by the Court to the account herein, ie. subtracting seven ( 7 ) years, gives a Date of First Delinquency of XX/XX/XXXX. XX/XX/XXXX is a month that precedes the alleged charge-off by more than 180 days and does not report as a month with a delinquency. XX/XX/XXXX can not be the correct Date of First Delinquency for this account because the account does not reflect a 30-day late status for XX/XX/XXXX, implying the Date of First Delinquency is false or inaccurate. The payment history and alleged charge-off remarks are false or inaccurate for the account because there is no reliable Date of First delinquency. Thus the payment history between the computed Date of First Delinquency XX/XX/XXXX and present need to be removed.
Product: Student loan

I was unemployed from XXXX XXXX, XXXX to XXXX XXXX, XXXX requested monthly help from Mohela telling them I had number money for any payments for my student loans. They did n't inform me until XXXX XXXX that I could defer with any penalty monthly. In XXXX XXXX I was informed by a Mohela agent that I could have submitted for a 6 month deferment the day that I was unemployed due to my unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

We just closed on a VA Mortgage loan ( $ XXXX ) with XXXX XXXX  XXXX on XXXX XX/XX/2019 who immediately transferred our loan to XXXX XXXX XXXX ( XXXX XXXX ), see attachments. We were notified about this transfer via letter from XXXX XXXX on XXXX XXXX and XXXX XXXX also provided evidence of the servicing transfer. Around the exact same time, we started receiving vague notices from XXXX XXXX XXXX XXXX ( based in XXXX XXXX or XXXX ),  without them ever being mentioned by XXXX XXXX  our original servicer, which made our new homeownership a little confusing on who to pay. However, I contacted XXXX and XXXX XXXX to confirm the account transfer and set-up. I also contacted XXXX to understand why they were sending me billing notifications, all of which at first alluded to an incomplete loan number/account. When you call their primary customer service number ( XXXX ), their automated system is surprisingly sophisticated and it continuously asks for an account number ( which I don't fully have per their correspondence ) or your for your Social Security number. The latter I did not provide. After about 10-15 minutes of the system routing you in circles, you finally get transferred to a half-asleep, unprofessional attendant that asks for the same info. The only information I provided was an address and she stated I did not have an account. 

But my real problem is that XXXX XXXX XXXX has posted a duplicate mortgage for an outstanding amount of $ XXXX on my credit report and continues to send me fraudulent billing notifications. I need immediate help to resolve this problem and fix my credit report before they destroy my score. 

Info : XXXX XXXX XXXX XXXX, sub servicing by XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Collections ( XXXX ) XXXX Other agent number ( XXXX ) XXXX
Product: Debt collection

XXXX calls in the last 60 days from a variety of numbers. From this number - ( XXXX ) XXXX XXXX ( last 60 days ) - from this one ( XXXX ) XXXX XXXX from this ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX in last 60 days - ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I have sent several letters to the company listed. Letting them know that this account is the result in unauthorized access of my personal information. As a results this account was created without my authorization. The account has also, been sold to another company without my consent or prior knowledge. I have no knowledge of this company. They dont have anything with my signature and the address listed on the contract is incorrect. 

Address C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Balance {$570.00} Date Updated XX/XX/XXXX High Balance {$570.00} Original Creditor XXXX XXXX Past Due {$570.00} Pay Status >Collection
Product: Student loan

I obtained a loan from XXXX to move my loans from Navient to XXXX as I have had horrible customer service with Navient and they have been very shady. I calculated the interest on 10 days ( the amount of time it would take XXXX to pay off the loan ) and gave that value to XXXX. I have a screenshot showing where XXXX paid all of my loans in full. Navient is saying that the third loan which was for {$5000.00} in 2014 is unpaid and is trying to solicit payments from me. They are trying to get {$10000.00} for a {$5000.00} loan. This is fraud.