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

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

Lendmark refuses to apply S.C.R.A. Interest rate reduction to this loan for the period of time I was mobiled to XXXX XXXX XXXX-XXXX. 
Local manager claims ignorance on what Headquarters does.
Product: Debt collection

I sent two debt validation letters to this company requesting VALIDATION not VERIFICATION that the debt is mine. The company has failed to provide validation for the account # XXXX. This was submitted with the previous complaint request the company failed to remove this account from my credit report. This company has failed to validate the debt and failed to provide a Hippa authorization form. This business violated my health privacy rights and committed another violation of my privacy by not providing me the requested debt validation information,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!! This company constantly reports to my credit when the car doesn't function properly! I have tried several times for them to understand I have also disputed this from my credit and Experian will remove it then put it back up which is affecting me! I HAVE RIGHTS NOR DID I GIVE THEM PERMISSION TO DISCLOSE ANY OF MY INFORMATION TO ANYONE.
Product: Credit card or prepaid card

I ran my credit score through XXXX XXXX and stated that I had a credit card account open since XX/XX/2003 which is impossible. The credit card shows as " Citicards Cbna '' and I have called the company but stated that they do not see an open account. However, the credit card shows open and i believe its part of an identity theft. Would you please help? 

Thank you!
Product: Credit reporting or other personal consumer reports

Subject : Complaint and Dispute Regarding Fraudulent Loan Agreement Dear XXXX XXXXXXXX XXXX  XXXX, I am writing to bring to your immediate attention a matter of utmost concern regarding a fraudulent loan agreement that has been attributed to my identity. My name is XXXX XXXX, and I recently discovered a balance of {$15000.00} associated with a loan purportedly taken out under my name. 

According to the information I have received, the fraudulent loan agreement was created on or about XX/XX/2023, and my signature was electronically forged. What is particularly distressing is that the XXXX address associated with the signature, claimed to be mine, is located in XXXXXXXX XXXX, while I reside in XXXX XXXXXXXX XXXX 

I have substantial evidence to prove that I was physically present in XXXX XXXXXXXX XXXX on the date in question, which contradicts the alleged electronic signature. Specifically, I have uploaded documentation that clearly indicates my location in XXXX XXXXXXXX XXXX, on XX/XX/2023. This raises a significant red flag as it is impossible for me to be physically present in XXXX different states simultaneously. 

It is customary for the XXXX address of the signer to be captured when a document is signed electronically. However, the IP address associated with the fraudulent agreement is in direct conflict with my actual location on the specified date. This disparity is indicative of a serious case of fraud and identity theft. 

I am formally requesting the following documents to be provided within 15 days : Telephone records demonstrating any communication between myself, XXXX XXXX, and your company on XX/XX/2023. 
Recorded conversations related to the alleged loan agreement on the aforementioned date. 
Proof of a valid contract, including any supporting documentation, establishing the legitimacy of the debt in question. 
Failure to provide the requested documents within the stipulated timeframe will leave me with no option but to pursue legal action to safeguard my identity and creditworthiness. The severity of the situation demands swift and decisive action to rectify this issue. I insist on the immediate removal of this fraudulent debt from my credit report. 

Please address the specific concerns raised, especially explaining why the XXXX address associated with the signature is located in XXXXXXXX XXXX  when I have evidence placing me in XXXX XXXXXXXX XXXX  on the same date. I have attached a photo from my device clearly indicating my location and date, which does not align with the details of the alleged agreement. 

I expect a prompt and thorough investigation into this matter, along with the necessary actions to clear my name and credit history of any fraudulent activity. Your cooperation in resolving this issue expediently is appreciated. 

Furthermore, I have attached the original contract agreement that was forged without my knowledge, a Police Report, a state attorney general complaint, and photos showing proof I was in my Hometown of XXXX XXXXXXXX  on the date that this fraudulent document was executed. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX, XXXX I 'm writing to you in regards to my Synchrony bank account at JC Penney I started an account with JC Penney approximately seven years ago. Recently synchrony bank acquired the credit account and since than I have had nothing but problems. 
I had a balance of {$320.00} on XXXX XXXX XXXX. I set up a payment agreement on the internet, for {$65.00}. However, my payments were not deducted from my account on the same day every month so I paid off the balance on XXXX XXXX, XXXX. But, Synchrony continued to credit my account. On XXXX XXXX, XXXX, they credited my account XXXX. I called and was told this would not happen again and a check would be issued. I asked for written documentation and was told they could not give me anything in writing. On XXXX XXXX, XXXX my account was again credited for XXXX. Again, I called and told them my account was closed and paid off and again they sent me a check. 
Because I did not trust them I had my bank stop payments on any deductions they tried to make. Since XXXX they have tried to credit my account four times and now claim I owe them XXXX last time I talked to them, I got so I angry and cursed them out. They accused me of lying. Please, can you help. This is hurting my credit and my husband and I are looking forward to buying a house in the future. 
I have enclosed a copy of my bank records showing when they credited my account, the stop payment issued by the bank and the statements from JC Penney. 
Thank you in advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting or other personal consumer reports

the car was totaled due to being rear ended and the party at fault had state minimum insurance. we waited on final settlements to complete and was given final payment needed from the bank. Payment was submitted and paid. the bank did not post the payment when submitted. they found fault in their records. They had reported we were over XXXX days late as of the posting date they reported. they then found their error and fixed the problem and posted the payment on XX/XX/year> which was not late. I have disputed with transunion twice and each time they do not fix the issue. I disputed with XXXX and the issue was fixed immediately. I sent transunion the letter from the bank showing that they closed the account paid in full as of XX/XX/year>. the issues have caused a significant decrease in my credit score and was no fault of mine
Product: Credit card or prepaid card

I ordered a bedroom set from XXXX on XX/XX/2022. The bedroom set arrived at the local courier ( XXXX ) XXXX, however XXXX couldn't locate the items. We kept following up with them until XXXX, they had no trace of the items. At that point we ordered another bedroom set from a different company and asked XXXX to cancel our order and refund the money ( {$5000.00} ). 

Come XXXX, XXXX found the items and insists on delivering them, we no longer need the items as they were deemed missing for over XXXX months. We called Capital One to dispute the charges and had no avail. We called XXXX and they are trying to charge a return fee of {$1500.00}.
Product: Prepaid card

I lost my card ending in XXXX. Western union pp card rep told XXXX I could buy another card at XXXX and attach the card to my XXXX account which has a XXXX monthly fee and overdraft protection. I wanted access tomy account but they said I had to transfer the money and only XXXX a day which I thought was strange since the accounts were to be linked. I then noticed that every time I made a purchase they would charge me XXXX dollar I called back and after being on hold for 45 minutes I was told that my fee plans from the XXXX account was now attached to new card XXXX. I learned the next morning that I was charged another XXXX fee and that I would not be able to access my funds until XXXX XXXX when a replacement card arrives. This is created a hardship for me. If only I was given the correct information then I could have made a more informed choice I feel like western union netspend is taking advantage of me holding my money and XXXX charging me fees. They ensured me the cards linked to my XXXX account and thatmy employer direct deposit would be available on the XXXX card. When I talked to XXXX in escalations she informed me that it was XXXX accounts and all information told to me on the XXXX prior calls was incorrect and all she could do is reprimand the XXXX reps and forward my request to corporate when I said I will file this complaint I am still without access to my money during the holidays when my grandsons are here. I would like my money to be in XXXX and a XXXX fee credit then I will remove my money and seek a more truthful company to handle my money with our hidden and excessive fees and lying customer service representatives and a more caring escalation team providing real customer services keeping the customer satisfaction as a top priority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; FLOYDATKINS, XXXX XXXX XXXX XXXX XXXX GRAND XXXX XXXX XXXX XXXX KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I went to chase bank in person to check out a company before I sent a wire transfer for {$6500.00} onXX/XX/18.. I asked bank mgr. vp XXXX XXXX, I asked specifically If XXXX   has any red flags associated with it, she typed into her computer & said no it all looks good, no red flags ... .So I figured if the bank found no red flags, no scams associated with XXXX , I would go ahead with money wire, which I did..my husband XXXX also called me when I was in the office with the VP, I repeated no red flags with XXXX XXXX, it's a go, we are doing transfer now.The money was supposed to go into an escrow account till delivery of RV, on tracking # said 5 day delivery, which I would have 5 days after delivery to inspect before funds were to be released. It was complete fraud, which we found out on sunday nite XX/XX/XXXX18 We immediately called the police & the bank next..about XXXX ... Bank said they could not do anything till XXXX call back then, which I did, said they would text XXXX XXXX for a retrival, no avail.money was taken out right away, account still open.
Product: Debt collection

On XX/XX/2023, I was called by a person who identified herself with a debt collection company. I told her I would not talk over the phone and to mail me anything they thought necessary. I never received anything in the mail. They continued to call, and on XX/XX/2023, I sent them a letter to their XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA address. I found this address after searching for a reverse phone number and tracking the corporate office. I still never received anything in the mail from them. I have continued to be harassed on the phone. However, on XX/XX/XXXX, I was called again from a similar number but identified as TSI. On XX/XX/2023, I was called again by another similar number identified as TSI. Finally, on XX/XX/2023, I was called from a number not identified by my phone calling ID. It was TSI. I talked to XXXX XXXX. I told her that she was illegally harassing me, and I had notified her company I would only do business through the mail. I told her I would file a complaint against her company and her. It was then she just hung up the phone. 

I wish to file three ( 3 ) separate complaints against TSI for harassment. In addition, I will be filing complaints with the Federal Trade Commission and the Tennessee Attorney General 's Office.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Items to Dispute Personal Information Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX Late Payment XXXX XXXXXXXX XX/XX/XXXX {$5800.00} XXXX XXXX XXXX XX/XX/XXXX {$5700.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

My loan was consolidated with Navient/Sallie Mae on XX/XX/XXXX due to my previous loan servicer, XXXX XXXX dissolving. Once I was notified via mail to confirm the consolidation and my payments began, I contacted Navient/Sallie Mae to begin submitting my employment verification once the Public Service Loan Forgiveness Program became effective on XX/XX/XXXX. Many years after processing all of my payments and documentation of work history, they began telling me that I was ineligible for the program when I began applying for the Teacher Loan Forgiveness Program sometime in XXXX to have some relief on the amount I was paying every month toward my loans. They kept telling me that my application for the Teacher Loan Forgiveness Program was being denied, but never disclosed that my loans were dispersed as Family Federal Education Loans and needed to be consolidated with another servicer in order to be coded as Direct Loans to be eligible for both the Teacher Loan Forgiveness and Public Service Loan Forgiveness programs when they were well aware of this information. Navient/Sallie Mae serviced my loan from XX/XX/XXXX through XX/XX/XXXX and never once disclosed this information to me! I only became aware of this information after speaking with a XXXX XXXX XXXX Representative after re-consolidating my loans with them due to Navient 's egregious servicing practices including losing documentation necessary to process loan forgiveness applications, failing to process documentation and applications in a timely manner, and providing misinformation over the duration as servicer of my loans. To add, their dishonesty about submitting documentation correctly for the TLFP and about being aware of the type of loan I had was verified because shortly after I consolidated with XXXX XXXX XXXX, my application was submitted and approved. I have paid Navient tens of thousands of dollars toward my loans, thousands of dollars toward interest, and have been paying on loans for over two years ago that would have been forgiven had they acted ethically to disclose information to ensure my public service loan forgiveness application was accepted. I would like them to dissolve my loans because had it not been for their negligence, my loans would have been completely forgiven over two years ago. Additionally, I contacted Navient twice to receive a comprehensive payment history and they failed to provide documentation clearly listing each payment made so that I could calculate an accurate number of just how much I have paid them. I have included both documents they provided as responses to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card XXXX is not being reported on my transunion credit report.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To : Credit bureaus Re : Dispute of Late Payments on Account # [ XXXX, XXXX, XXXX ] Dear Sir/Madam, I am writing to dispute the late payment ( XXXX ) reported on my credit file under the account referenced above. After reviewing my credit report, I have reason to believe that the reporting of these late payments is inaccurate, incomplete, or unverifiable. 

In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 ) ( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if this information can not be verified within the required timeframe, you are obligated to remove or correct it.

Additionally, under the Truth in Lending Act ( TILA ), creditors must properly disclose information, and I believe there may be discrepancies in the manner these payments were reported. I demand the immediate investigation of this matter and request documentation that substantiates these late payments. If you can not provide such documentation, the inaccurate information must be deleted from my credit file in accordance with the law.

I expect this matter to be resolved within 30 days, as stipulated by the FCRA.

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly review this complaint thoroughly, as it was not submitted in error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This ongoing issue is extremely concerning and has caused me significant stress and anxiety.
Product: Mortgage

VA loan assumption. The company 's website video states the loan assumption does not have many of the fees that are charged in a purchase or refinance. But my loan assumption is identified on the Residential loan application as a purchase and being processed with all the fees in a purchase. The fees have pushed the cost substantially above the market value of the property. The lender has inserted {$450000.00} on the loan application as the market value of the property without an appraisal, when the actual market value is about {$370000.00} and ignored my request to explain the basis of the higher value. The equity ( about {$88000.00} ) that I am purchasing is shown as the down payment on the application, but the loan officer states that I am not putting anything as a down payment. The purchase contract states the seller pays the assessments which includes a transfer tax of {$6000.00}. The lender included {$900.00} for home owners insurance through their company although I have obtained the insurance from XXXX for {$380.00}. 

This company isn't right claiming to help veterans, but doing the opposite.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX to get their input on a balance due to XXXX XXXX for XXXX XXXX. The pre-qual indicated that the procedure was completely approved except for {$32.00}. The day of XXXX I paid the {$32.00} by credit card since they do not accept checks ( even though their website says they do ). This was in XX/XX/2021. In XXXX in 2021 suddenly I still have a balance due of {$2800.00}. 

As I am working to resolve this I find that this debt has since been sent to 2 different collection agencies- see attached documents. It has been submitted to Choice Recovery , Inc. and to Wakefield & Associates. As you can see it's the same debt reported twice ( not a matter of one company buying the debt from another ) - it's clearly open with 2 different agencies at the same time. It appears double posted on my credit reports as well. I believe this to be a violation of my rights under the Fair Debt Collection Practices Act.
Product: Credit card

I am disputing the collection account with XXXX  XXXX Bankruptcy, account number XXXX, dated XX/XX/, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX  XXXX Bankruptcy, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please remove these accounts ASAP.
Product: Debt collection

I have file a couple of dispute against a collection company, that were collecting for XXXX and won my disputes and it was remove off my credit report in collection. I do n't understand why is Enhanced Recovery Corp. is trying to collect on something that have already been investigated, solve and remove off of all XXXX credit bureaus. I have no agreement with Enhanced Recovery Corp or spoken to them on this issue. I like would them to remove this collection off my credit report or I will pursue a civil suit for harassment and for reporting false information on my credit report.