23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Im writing to file a complaint about several fraudulent accounts that have been added to my Experian credit report. These accounts were opened in my name without my knowledge or consent, and theyve caused significant damage to my credit score and my ability to move forward in life. Heres a list of the fraudulent accounts and information Ive identified : 1. XXXX XXXX XXXX XXXX, Account Number : XXXX, Balance : {$14000.00}, XXXX. Address : XXXX XXXX XXXX XXXX, Fl XXXX Ive already taken the necessary steps to address this issue. Ive been added to my Experian credit report. These accounts were opened in my name without my knowledge or consent, and theyve caused significant damage to my credit score and my ability to move forward in life.

Ive filed disputes with Experian, submitted an FTCIdentity Theft Report, and even filed a police report. Despite all of this, these accounts are still on my credit report, and theyre continuing to harm me.

Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), Experian is required to block and remove fraudulent information from my credit report once Ive provided proper notice and documentation, which I have. Im asking for Experian to comply with this law and immediately remove these accounts from my credit report. This situation has had a devastating impact on my life. Because of these fraudulent accounts, Ive been denied the ability to secure an affordable home, purchase a reliable car, and improve my financial situation. Its incredibly frustrating to know that my credit report is being weighed down by accounts that I didnt open, and Experians failure to act is only making things worse. Im asking for the CFPBs help to ensure that : 1. Experian immediately blocks and removes all fraudulent accounts from my credit report. 2. Experian notifies any parties who accessed my credit report in the past six months of the corrections made. 3. Experian complies fully with its obligations under the FCRA to resolve this issue and prevent further harm to my credit profile. If Experian doesnt take the necessary steps to resolve this, Im prepared to escalate the matter further, including pursuing legal action to recover damages caused by their inaction. I am expecting quick compliance in the required time frame, I appreciate your full attention with respect to this matter. Sincerely, XXXX XXXX
Product: Debt collection

Kinum, Inc. ignored my letter ( sent to them within 5 days of their initial communication ) asking them to substantiate their claim that I owed debt. They falsely accused me of owing debt, distorting facts and misrepresenting an agreement I had with a vendor. I sent the letter by certified mail, asking for substantiation of the debt and asking for proof that they had a right to collect it. I know they received it because their employee signed the certified mail receipt. Before responding to me, they contacted my relatives and terrified them. They also contacted me and claimed they never got the letter even though I have signature proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting falsely and not correcting my personal information. My address XXXX XXXX XXXX XXXX XXXX XXXX also my name XXXX XXXX and my dob XXXX phone XXXX my information was corrected and again an employee for XXXX XXXX is altered my information and is collecting money on my name works for the credit freeze department. Everything XXXX is reporting is false. I have disputed and fixedy information but all this activity on my account to date is falsely being used. I have debt consolidation done on me by employee that takes my calls. Please reach out to the beauru and help me correct also reporting to XXXX and XXXX. XXXX. 
Please remove all activity on the XXXX and XXXX account all items need to take of id theft and fixed it but still the beaurus failed to correct. XXXX XXXX
Product: Credit card

On XX/XX/year>, I received an Email from Synchrony Bank Verizon XXXX  stating " For a limited time, I could earn 6 % in XXXX XXXX on up to {$2000.00}. in Holiday Purchases. '' I immediately activated the offer, by clicking a link, and on the same day spent {$2000.00}. 
at XXXX XXXX. However, when I received my Synchrony XXXX  statement I only earned 1 % ( {$20.00}. ) instead of the advertised 6 % ( {$120.00}. ). I thereafter called Synchrony to receive the missing Dollars on XX/XX/year> ( Spoke to XXXX XXXX ; XX/XX/XXXX ( Spoke to XXXX ; XX/XX/XXXX ( Spoke to XXXX XXXX ; and XX/XX/XXXX ( Spoke to XXXX, Supervisor in XXXX ). Without intervention, Synchrony is refusing to honor its fraudulent advertising and is most likely cheating millions of other Synchrony Verizon XXXX  Cardholders.
Product: Credit reporting

I am a Veteran and I was having a medical emergency so went to nearest hospital and I notified the staff I was a Veteran because they would have to go through the VA to get payment for my treatment or transfer me to the VA hospital when stable but they did not contact the VA and now have been trying to make me pay the bill have been fighting to get this of my credit report Trans Union but to no avail so want to file complaint.
Product: Mortgage

Ditech purchased our loan XXXX XXXX. All our payments have been timely and correct until XXXX error on our part in XXXX XXXX ( reversed XXXX digits in payment for XXXX, having paid {$2300.00} instead of {$2800.00} ), which we corrected in XXXX, paying the shortfall. Ditech has continued making errors and are grossly negligent and fraudulent in allocating our payments since that time. They now show we are 3 months behind when we have paid in full. 
We have communicated with them since XXXX/XXXX/XXXX with XXXX email message, XXXX phone call conversations and a written letter over the past 56 days and still have no resolution. We are appalled at the negligent handling of customer service issues by Ditech. We are concerned that their continued incompetent handling of their errors will affect our credit score and that Ditech will attempt to foreclose on our home based on their incorrect accounting of our payments. 
Please assist us in resolving this fiasco with Ditech. We have paid in full through XXXX XXXX ( XXXX payment being processed XXXX/XXXX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It is absurd that 1 late payment after 5 years of all on-time payments results in an XXXX point drop to my credit score. How is that even justifiable. This resulted in one of my credit card reducing my limit which will in turn lower my debt ratio resulting in another decrease in points. Absolutely ridiculous. The cfpb needs to start protecting consumer rights against the arbitrary scores the credit bureaus determine that results in serious financial impact to the consumer.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Product: Student loan

I am on an IBR plan and I made a payment on XX/XX/XXXX. Around the middle of XXXX I received a credit report from XXXX which I did not order. I reviewed the credit report and found that there was a discrepancy with the payment that I made. I reached out to XXXX and was advised to disregard and that the issue that I was calling in reference to was related to a system glitch. Two weeks later I called Navient to make a payment and was advised by the representative that she could not locate my loans. We went back and forth and she placed me on hold until I asked to speak to a manager. The manager picked up and quickly located my accounts. He could not explain why the representative could not locate my accounts and we proceeded. I told him that I remitted a payment back in XXXX or XX/XX/XXXX and after reviewing he advised that it appeared that the payment was applied to my private loan that was charged off due to me filing bankruptcy in XXXX. He indicated that he would address the misapplication and that I had the contact the credit bureaus to ensure there are n't any issues. I advised him that I will be submitting this to the CFPB and requested an advocate because I do not feel that I should have to take the time to resolve ANOTHER problem that Navient is responsible for creating. The last problem resulted in Navient repurchasing all of my loans that they sold because the representative failed to include them with the loan consolidation. Navient misapplied my IBR payment to a charged off loan and reported to the credit buearu ( s ) that I remitted payment to a charged off loan which in turn caused collection activity to occur, my credit score to be impacted and impact the status of the charged off loan to show current activity. Additionally, I received a credit report that I did not order and I do n't have any idea why which is what alarmed me and caused me to contact XXXX. I would like all of this resolved as quickly as possible as I spent almost a year of constant contact with Navient to attempt to find a solution for the loans that were sold in error and repurchased by Navient.
Product: Credit reporting or other personal consumer reports

These items were not authorized by me and constitute a breach of my rights under both federal and state law. Furthermore, your responses to previous disputes have been inadequate and evasive, often suggesting that my communications originate from a credit repair organization, which is untrue. This practice is both misleading and unlawful. 

I am invoking the following legal protections to demand swift and transparent action : California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( Civil Code 1785 et seq. ) - This act prohibits credit reporting agencies from including inaccurate information on a credit report and requires them to investigate disputes thoroughly.

California Civil Code 1785.16 - Mandates credit reporting agencies to block fraudulent information within four business days upon receipt of a valid dispute.

California Business and Professions Code 17200 et seq. - Prohibits unfair, deceptive, or fraudulent business practices, including ambiguous and misleading responses to consumer complaints.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) - Requires credit reporting agencies to investigate disputes and correct or delete inaccurate or unverifiable information within 30 days.

Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) - Provides protections against unauthorized charges and requires creditors to respond promptly to billing disputes. 

here are the accounts and inquirers in question 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 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: Mortgage

PNC assesses escrow in the middle of the year and then tacks on a " shortage '' fee if you dip below an amount they set. This review seems to come right after they pay your taxes/insurance and then they hit you with a large " shortage '' fee which they add as an escrow advance then raise your mortgage payment. 

In XXXX XXXX XXXX we asked that the insurance/taxes be removed from escrow and we would pay on our own. It was told to us that there would be a fee to remove them and we could not remove them at the same time. We then asked to have insurance removed from the escrow. We were sent a form to fill out, which we mailed to address given. ( Meanwhile we are being charged over {$50.00} more on our mortgage to cover the " shortage '' which they graciously extended over 24 months ). The form was returned undeliverable. We called and were given an email address to send it to. After months, they claim to have never received, meanwhile we continue to pay the extra shortage fee. 

We have placed multiple calls, done multiple chats and still no resolution after 10 months. We set up the insurance to be paid by us, paid in full, PNC refuses to acknowledge this even after receiving notifications from our insurance company that it was paid, sent payment again, then charged us another " shortage '' fee. 

After numerous calls and an escalation with : XXXX XXXX XXXX XXXX XXXX PNC Bank ( p ) XXXX ( f ) XXXX XXXX we are being told we are unable to remove our insurance and taxes from our escrow due to PMI. 

We have been struggling for over 10 months with no resolution, only to be told that we CAN NOT remove our insurance after being told we could, being sent jumping through hoops, being told they didn't receive our information, do this, do that, then come back with this answer. 

If they assessed the escrow at the end of the year, and not in the middle ( right after taxes are paid ) there would be a very minimal " shortage '' of the escrow, if any. Consumers are being taken advantage of by being charged " shortage '' fees in the middle of the year, when it would even itself into the green over the course of the year.
Product: Money transfer, virtual currency, or money service

I was scammed out of money trying to rent an apartment {$200.00} on XX/XX/XXXX and 3 other amounts equaling {$900.00} on XXXX. Never showed up to give me the keys in a scheduled appointment on XX/XX/XXXX disconnected his phone. I filed a police report as they also have my social security info and banking info which has been used as well. I sent everything over to cash app and still no refund.
Product: Student loan

My student loan serviced has changed many times since the loan was originated, after Nelnet took over the servicing they removed my loans from the XXXX XXXX plan that I applied for and placed me on a standard plan resulting in my payments increasing beyond what I can afford to pay. Nelnet did not inform me of this or contact me to tell me this was happening and thus I was unaware until the accounts became past due this month ( XX/XX/year> ) Nelnet has also incorrectly calculated the months of payment accrued towards forgiveness under the plan.
Product: Debt collection

SouthWest Credit Systems on my XXXX report has it that I owe XXXX XXXX {$390.00}. Back on XXXX XXXX, 2015. That 's impossible, because I was XXXX in XXXX on the above mentioned date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Vehicle loan or lease

My issue is with Bank of the West regarding a payment I sent to pay off the loan for a recreation vehicle loan. 

On XX/XX/2020 I sent a payment of {$36000.00} ( via USPS signature required ) to Bank of the West for the purposes of paying off the loan. 

On XX/XX/2020 Bank of the West signed for the payment, validated through the USPS website that shows the name of the person who signed for the payment. As of today, XX/XX/2020, the payment has not been posted to my account. 

I have attempted to contact Bank of the West by using their website messaging system, with no response. 

I have also called Bank of the West daily since XX/XX/2020 in an attempt to obtain a status update - why the payment has not been posted. Each time I have called I was on hold for over an hour and half then subsequently disconnected at the hour and half mark. 

I have contacted the XXXX XXXX XXXX  for help and they too have not been able to help. No one has contacted me from Bank of the West.
Product: Credit reporting or other personal consumer reports

I previously filed for some accounts to be disputed. I am requesting the disputes for the accounts listed below be halted immediately as well as I am requesting that the remarks be removed on these accounts as well. - XX/XX/XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate late payments on my experian XXXX  credit report. they sold the debt I owed to XXXX XXXX XXXX XXXX XXXX. I started paying this third party debt collector through a debt consoldation program. the first payment was made XX/XX/XXXX. they were paid monthly through ACH transfers with the final payment being made XX/XX/XXXX. this debt was no longer owned by them since it was sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is reporting late payments from XXXX XXXX XXXX  even with payments being made to their debt collector. once the final payment was made on XX/XX/XXXX. XXXX XXXX XXXX XXXX this point added " 30 days late '' een with the debt settled. they are reporting inaccurate late payments ( XX/XX/XXXX for experian and XX/XX/XXXX for XXXX. highlighted pictures provided are evidence of payments made to third party debt collector nXXXX XXXX XXXX XXXX XXXX  for the debt owed. the other pictures are evidence of inaccurate information being reported to my credit reports
Product: Checking or savings account

I would like a full investigation in what is taking place with my funds. I want access to my fund immediately and any fees added due to this issue- refunded. I would like the cfpb to also provide their investigation and any fines that capital one would be responsible for. I need my funds for my college textbooks and school started already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting inaccurate information on my credit report, accounts by XXXX XXXX XXXX and XXXX  XXXX  are reporting open still, the CFPB had investigated these accounts and they were closed due to inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has two charge offs on my reports for accounts that were never authorized by me. I have disputed them as well as contacted the credit companies directly. I did not sign up for any credit cards nor did I use them. After reviewing the update report I also notice 9 inquires that I did not authorize. 

1. XXXX XXXX Unverified Account/ FRAUDULENT 2. XXXX XXXX ( XXXX XXXX ) Unverified Account/ FRAUDULENT UNAUTHORIZED INQUIRES 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I ordered a part from XXXX XXXX  being XXXX heating element for {$58.00}, but I tried to cancel it the same day I ordered it. The item was then refused on XX/XX/XXXX because the package appeared damaged, and I never opened it. It was returned to the seller on XX/XX/XXXX, but I never received a refund so I filed a dispute with XXXX credit card. XXXX proves it by the tracking number. After sending all the information about it to the credit card Cardmember service they sent me their standardized XXXX form which I returned back to them. I then received notice that my dispute was denied. After many phone calls to the dispute department telling me the issue was resolved because they wanted the date, I cancelled the order which I provided. I faxed them a copy of my email to XXXX XXXX on XX/XX/XXXX. Next, I received another letter from them again telling me they want proof I cancelled the order. This is some type of violation of the law since XXXX told me one does not even have to give a reason to cancel a shipment. I then faxed them a copy of the email I sent to XXXX XXXX on my invoice stating I wanted to cancel this order on XX/XX/XXXX. I then received another notice saying that since I did not provide them proof, I will be charged again. I then sent a fax again with the information not knowing what they wanted on XX/XX/XXXX. I then received another letter telling me that the email to XXXX XXXX is not proof? They also XXXX and libeled me saying they are going send my information to the credit reporting agencies if I do not pay my bill? I have an excellent credit history which makes no sense. At this point I needed outside help to resolve this issue with the credit card company being in error about this dispute. The item was returned to the business, not returned back to me, and they did not credit me back. I am due a credit since the company can not have both the part back and my money.
Product: Debt collection

On XX/XX/2023 I received a letter from collection agency stating I owe a debt to XXXX XXXX. I already reported the account as fraudulent to XXXX in XX/XX/2023. I was told the account was flagged for ID fraud and I would not be responsible for this debt and the account would be closed and no further action was needed from me. So why am I still receiving collection notices?