23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage refinance with Amerisave online a loan officer called several times stating he had me approved a we should move forward He sent me declarations to sign and I did online after submitting the documents he said my house needed to be appraised and it would be {$520.00} I told him I did not want to pay XXXX up front but he say he could get that waved or include it in the closing. After a week or so he contacted me again and said that I had to pay the {$520.00} up front so I forwarded the money to the loan officer Mr. XXXX XXXX and the house was appraised and he said now XXXX need to call my insurance company XXXX and have my policy changed to Amerisave and I did a now still have the document with Amerisave name as the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Debt collection

I learned through junk mail from other companies that this law firm XXXX, XXXX and XXXX ( XXXX ) had filed a case in court against me. I called XXXX and then the law firm to get more information about it, and then once they explained where it was from, I explained to them that my financial situation has not changed, and in fact has gotten worse. 

I initially spoke with one rep, who had a flat affect but eventually agreed to submit an offer. She wasnt able to answer questions regarding the terms and conditions and suggested for some of the questions to ask XXXX and then I also asked for a supervisor because I wanted to make sure I understood what the law firm was doing as well because it seems confusing. For example, the attorneys refuse to speak directly with the consumer unless it is in court. 

The call got disconnected- I just heard dead air, so I called back so I could complete the offer request. 

I told the rep XXXX, that I only had a specific amount of money, which was about 25 % of the balance. I explained that I am not working at the present time and I don't foresee this changing in the near future despite my attempts to find new work and apply for unemployment, etc. 

She refused to submit my offer for XXXX to the company. When I began to cry and ask why, she said that I was being a bully and accused me of being forceful/aggressive when I am simply offering the company all I have. I have a recording of the call, that specifically showed that she refused to submit the offer and then went as far as threatening me with the outcome of the lawsuit and said I wasn't being realistic. She then went on to say that her company is willing to take this to court all the way and threatened me with interest accrual, etc. 

I told her that the amount I offered was all I had in the savings account. I asked if she was not interested in the money that I have, she said " yes '' " We are prepared to go forward with the court date, that doesn't change our position. Our client wants to secure a judgement. You are trying to bully me into accepting an offer. I cant change the fact that you have a balance of almost XXXX you aren't being realistic. ''
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I have ask for supporting documentation to show the accuracy of these Inaccurate reporting accounts attached to this complaint. This is not a third party filing this complaint. And I demand these Inaccurate reporting accounts be removed Immediately. For it has been over 45 days since my initial complaint and I have yet received any resolution or records showing that these accounts are in fact reporting correctly. Thank you
Product: Money transfer, virtual currency, or money service

Paypal limited my account on XXXX for additional documentations. After I uploaded my identifying documents and business documents, Paypal decided to permanently freeze my account and lock my fund for 180 days citing " security reasons '' for chargebacks. This is absolutely ridiculous, all the payments I received are from Paypal funds or checking accounts. This is their way of getting a free loan from their customers.
Product: Credit reporting or other personal consumer reports

am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXXXXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received am response from them, please help me immediately delete these accounts. Here I add the FTC repor hoping that you make a better decision in my situation, thank you
Product: Credit card

There is a card opened in my name that is not mine. Ive never had a capital one card let alone a credit card at all. 

The account that im talking about is the one opened on XX/XX/2022 for {$210.00}. 

Now i didn't open the card and its hurting my credit report badly. I expect it to be deleted please.
Product: Payday loan, title loan, or personal loan

I went in to Mariner Finance XX/XX/XXXX to refinance a loan, I asked for XXXX over the phone. I was told that the papers would be ready to sign when I got there, when I got there I was informed that they could only do XXXX dollars unless I put my truck title in, I said absolutely not, the loan officer went out to print new paper wor for the XXXX, he came back went over the paper work had me to sign and I went on my way. So I went to get my tag in XXXX and it was block supposedly by XXXX XXXX which I hadnt had a loan with since XXXX. Went to mariner and found out that they said my title was supposed to be in their hands, XXXX informed me that my Loan was invalid, another loan officer screamed at her and said stop telling them that, it was valid!! His name was XXXX. I was told not to make another payment until she spoke with corporate. I didnt here anything from them for weeks. She informed me that the guy that did my loan Was fired and they had found several mistakes in other loans he did. I needed to give them time to fix this. So I I called them and all of a sudden they wanted me to make payments that I was behind. And wanted me to sign make the payments so they could do a deferment. I called the the DMV on XX/XX/XXXX, and a title with just mailed to them but the problem with that is, I traded that truck and give the title to the XXXX place and they had no problems and my truck was sold at auction. So how did they get a title for a truck that I dont own anymore. The DMV said they had a MVR signed by me and notarized, I have none of that in my records. When I talked with one of your agents I was advised to not sign anything or make another payment. It is spaculated that this guy went to my truck and got my tag and vin number while I was in the office and it is possible that the loan was made for XXXX and I received XXXX. I have spoke with them several times and stated that the only thing I was guilty of is not reading my paperwork. They have agreed none of this is my fault but refused to fix the problem. I would have continued to make my payments if I hadnt been advised by them not to. I spoke with XXXX yesterday and he told me I owed the XXXX and some odd dollars and I was 60 days past due and they couldnt do anything to fix this until I paid this, he got ugly with me and said we can go and I Quote tick and tack all day long so I hung up on him. That was XX/XX/XXXX. What makes me think something is shady is, I traded the truck months ago but they where issued a title around XX/XX/XXXX, on a vehicle that clearly belongs to someone else now. I looked at all the charges on my paperwork and Im paying insurance on that vehicle that I dont own and they refused to fix it without them getting all the money out of me they can in the mean time. I think it needs to be looked into of how I got a loan in XX/XX/XXXX and the title has been in my possession until I traded it 4 months ago but they still managed to get a title just last week. The last documents is a copy of the title that I obtain from the XXXX place.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( XXXX XXXXXXXX XXXX XXXX ) is reporting a balance of ( {$490.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$490.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for American Credit Accept which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Debt collection

Helvey and assoicateds is trying to collect on a debt from XXXX that is incorrect. I stated this from my first cal with them and requested proof of the debt. They sent me over a ledger that clearly shows the last two months of service of being estimated and not an actual meter reading. This is being reported on my credit reports and should n't be as it is not a verified amount. The agent on the phone said I need to call consumers myself to handle this. If that is the case they should n't be allowed to be reporting something that they themselves do n't know if it is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yet again, this company has popped up on my credit report! I am a victim of identity theft and all three CRAs have this listed on my report. XXXX has added yet another fraudulent trade to my file entitled " VIP CASH '' I never had any contract with XXXX or this so called VIP CASH company. I never received any VALIDATION paperwork to my address that shows my signature on any contract. This fraud trade needs to be removed ASAP. And XXXX needs to stop infringing on my rights as covered under the FCRA!! I will pursue legal action if this is not removed
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX  XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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  OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit profile there was some inquiries that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.
Product: Credit reporting or other personal consumer reports

I've noticed that these accounts and loans are unauthorized on my credit report and is affecting my credit score. I am asking that the following accounts be removed being as though they don't not belong to me. According to the FCRA any false information should be removed from a consumers report.
Product: Credit reporting or other personal consumer reports

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Debt collection

I have been receiving multiple phone calls a day, from Sears / Citibank. I 've reported them a couple of months ago, but they still call me from a different number. The phone calls are extremely stressful and keep kicking my XXXX into full gear. The calls are roughly 2 - 3 hours apart, and are all robo calls. Per the Federal Trade Commission, debt collectors are to not " repeatedly use the phone to annoy someone '' as this is harassment. I 'm getting extremely sick of Sears / Citibank 's collection practices. I understand I owe a debt, but I definitely do n't need to be reminded of it multiple times a day, every M-F! I 've attached the phone call log from mid XX/XX/XXXX to yesterday. I 've also attached a snippet from the FTC stating collectors may not use the phone for repeated phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

1 5 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding XXXX  failure to provide proof that I own a debt as requested. 

In 2023, I reached out to XXXX and requested documentation or a letter with evidence to validate that I own a specific debt listed on my credit report. Despite my request, XXXX failed to provide the required proof of ownership of the debt. This lack of response has caused significant frustration and concern, as it is my right under the Fair Debt Collection Practices Act ( FDCPA ) to have debts properly validated. 

Without proper validation, this debt remains unsubstantiated and continues to impact my credit profile negatively. I believe this is a violation of my rights as a consumer. 

I respectfully request your assistance in ensuring that XXXX either provides the necessary proof of ownership for the debt or removes it from my credit report promptly. I am attaching any relevant documents, including my original request and follow-ups, to support my case
Product: Student loan

I called Sallie Mae to place my account in forbearance but the agent handling my case refused. He kept reinforcing that there isn't any options to postpone the payments. Meanwhile, the male agent begin to mock my tone of voice. Irritated, I asked to speak with his manager.

After being transferred to his manager, she restated that I don't have any option of putting the account in forbearance, because of some plan they unknowingly reenrolled me in. 

Initially, I agreed to a repayment plan for 6 months. The 6 months were up but I continued to pay down on my loan. Due to financial hardship I am now unable to pay, so i called to get repaying postponed, but they denied any form of helping me.