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

I orginally owedd a company by the name of XXXX XXXX in the amount of {$720.00} and I paid them in full. TheN I attempted to apply for an house in the end XXXX XXXX and was denied due to my credit ( charge-offs ). I pulled my credit report and noticed a charge off amount of {$630.00} from a creditor called XXXX XXXX. When I reached out to them I spoke with a manager name XXXX who told me they had bought XXXX XXXX and all accounts rolled over. Being that I was XXXX with my XXXX kids ( still am ) I decided this is not the right time to fight the {$630.00} charge-off. On XX/XX/XXXX, I went into the office with {$630.00} in cash and handed the money over to the manager XXXX who told me that after that payment I would owe {$460.00}. I explained and showed XXXX my credit report that had been reporting for severals years according to the dates a charged off balanced of {$630.00} and I am only obiligated to pay {$630.00} in full. XXXX then stated she has a balance of {$1000.00} in the system and she would not be reporting the paid balance to my credit because I would still owe {$460.00}. I asked for documentation of the remaining balance of {$460.00} and XXXX had nothing to providing other than they bought out XXXX XXXX. This is hindering from getting a place to live and I have reason to believe that I have paid the same creditor twice as both XXXX XXXX who I paid in full ( {$720.00} ) and who was bought by XXXX XXXX both show the exact same High balance on my credit report of {$720.00}.
Product: Debt collection

I received information that " ALL MY PERSONAL INFOMATION WAS IN THE XXXX XXXX MY XXXX '' From my social security number, to my id, and including my email. I created a fraud alert on XXXX to have any credit lenders contact me directly first before extending credit to prevent this from happening again. I have tried disputing these collections and showing them the proof of the information and the fraud, including the reports of what information went into the dark web. I also reported this activity on IdentityTheft.gov : Report Number : XXXX
Product: Mortgage

We refinanced our mortgage with Rushmore Home Lending earlier this year after they were unable to match a competing offer. We closed with the other company at the end of XXXX and were told that our escrow check from Rushmore would be mailed to us and take 7-10 business days to reach us. We have followed up no less than 4 times from XXXX to XXXX with Rushmore to know the status of our check before we were told that the check had been fraudulently cashed in XXXX only after I asked to speak with a manager. Since the first call in XXXX, I have been lied to, told incorrect information and have been met with willful incompetence by every single employee that Ive talk to since then. I have been told so many different things and now they are basically refusing to give me any information to when a new check would be issued after someone told me that I would be issued a check last week and it would be sent via XXXX. I record of who I have spoken to as well as the Managee at XXXX XXXX who has been trying to help us figure this issue out.
Product: Student loan

I consolidated my student loans in XXXX of XXXX. Due to policies at the time, all loans included in the consolidation would receive the qualifying payment counts of whichever loan has the highest count. This would make me eligible for full forgiveness. I would have applied for consolidation sooner except I was repeatedly told by both Mohela and FSA that my counts would reset to XXXX. This was completely inaccurate. In XX/XX/XXXX, two of the consolidated loans were processed for forgiveness. This left me with two hanging loans. After being given the run around repeatedly. I submitted another PSLF form in XX/XX/XXXX and it was processed XX/XX/XXXX. My counts were then accurately updated to 131 qualifying payments on the remaining loans. Despite this, I am still waiting processing of my forgiveness. In the meantime both FSA and Mohela have refused to put my account on administrative forbearance as it should be. Instead I had to apply for a general forbearance to stop the over {$1500.00} a month payments! I have reached out to FSA multiple times and have been given conflicting information. Once being told nothing is being done on my account and I would have to submit a new PSLF form to be considered for forgiveness. Later the same day I called back and was told submitting a new form would delay forgiveness and I should NOT do this. They tell me that forgiveness can take 90-120 days after counts update to >120. It has now been nearly 7 months! I am at 131 qualifying payments. 
This has been too long. If I was behind on payments there would be no delay in them contacting me for payment. Yet after over 6 months no one can even tell me the correct action, if any, I need to finally complete this process. This is unacceptable but I refuse to stop fighting for what I have rightfully earned.
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 a consumer reporting agency can not furnish an account without my instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

as of this date i have not any documentation or evidence validating the existence or legetimacy of the alleged dedt 15u.s.c 1692g
Product: Checking or savings account

I received a promo in the mail from Citizens Bank to get up to {$600.00} for opening a savings and checkings account. I followed everything stated in their terms, but they said because I didn't make any deposits for the first XXXX days in my savings account, they closed it and said that made me ineligible for the offer ( I got the first {$300.00} bonus for the checkings successfully though ). However, nothing is stated in the fine print that I had to make any other deposit before the {$1500.00} ( {$500.00} x XXXX ) deposit they required. I made the {$500.00} each of the XXXX consecutive months following the opening of my account ( opened XX/XX/year> ) as required and maintained that balance up until XX/XX/year>. This fulfills the requirements stated in the fine print. 

I have the mail promo as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked with the CRAs to dispute inaccuracies and fraudulently reported information on my XXXX. XXXX is the only creditor who refuses. 
I have called and emailed to dispute two fraudulent accounts and XXXX refuses to assist. I already filed a FTC report and complaint. They violated FCRA and FDCPA by refusing to dispute two inaccuracies and fraudulent accounts and trying to contact me while my dispute was in progress. They are a scam company and take advantage of consumers with unscrupulous practices. My ex roommate used my SSN without my consent and Equifax refuses to remove the XXXX accounts and XXXX XXXX accounts that are fraudulent after receiving my FTC report. They also refuse to give me access to look at dispute results online. I called and faxed them paperwork. They are taking advantage of Consumers. I know my  rights to have accurate data reported to the CRAs.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report at the end of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, I noticed information that was not mine. I contacted Equifax with the following information RE : My Equifax Credit Report Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Accounts : XXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX. I have spoken to these companies previously and they have refused to follow the FCRA guidelines so I am filing another complaint!

Pursuant to section 605B of the Fair Credit Reporting Act I sent the required notifications to all furnishers with this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled or highlighted. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. XXXX declined to remove and block the information per section 605B of the Fair Credit Reporting Act.
Product: Debt collection

I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under medicaid/ caresource but the companies refused to resubmit it and caresource has no record of it being submitted.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$XXXX} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Credit reporting or other personal consumer reports

An account from Mechanics Bank XXXX XXXX was deleted from all credit agency reports after this account was charged off in XX/XX/XXXXXXXX  as it was also Written off with the balance of {$9100.00} After this account was deleted from my credit reports, a collect company appeared on my credit report for this charged-off debt from Mechanics Bank . 

When I contacted the collection company, I was told the account was sold to : XXXX XXXX : This collection company never sent me a notice that they had this account in their office. 

I called Mechanics Bank XXXX XXXX on XXXXXXXX  to see who holds the collection of this account. Mechanics Bank ( XXXX ) told me he did not know who now holds this collection. 
I could call bank on the next business day and he might have some information for me, as he did not have any information about this account in his files at their office. 

On XXXX I called Mechanics Bank back and spoke with XXXX again, who told me the last known collection company for this account was with XXXX XXXX XXXX XXXX XXXX . 

On XXXXXXXX  I called XXXX XXXX XXXX XXXX who informed me the account was sold to : XXXX XXXX  he gave me their number and account number. 

On XXXXXXXX  I called XXXX XXXX  and spoke with XXXX XXXX who informed me the account was no longer in their office, that it might have been sent back to Mechanics Bank back in XXXX of XXXX. 

On XXXXXXXX  I called Mechanics Bank and spoke with XXXX again, who informed me, that the statute of limitations on this account was up and this account was no longer able to be collected. He said, he will accept a settlement offer of {$13000.00} if I was willing to pay this. I told him the last known balance with a collection company was only {$9100.00}. He informed me that if he was to accept a settlement offer from a charged off account that was already closed, they were adding interest to this loan. The account is charged-off and closed, but they wanted to collect an additional {$4300.00} on a debt that is uncollectible due to the statues being up on this account. 

The vehicle was repossessed in XX/XX/XXXXXXXX  ... Charged-off, and then sold many time to different collection companies, from one collection company to another collection company. Because no collection company kept the debt, and the original creditor Mechanics Bank sold it, they decided to say they now had the debt back in their office, when just the day before, XXXX was working on helping me locate the collection company that had bought the debt. Therefore, the debt was paid when the collection company purchased the debt from Mechanics Bank back in XXXX. 

Mechanics Bank removed the original account from all credit bureaus back in XXXX, and now decided to collect on a debt that is uncollectible and place it back on the credit reports.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of XXXX XXXX and would like for these listed accounts to be BLOCKED AND DELETED. 

TransUnion LLC Last XXXX of XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  I was on a  XXXX   XXXX  business credit card. Payments ceased to be made on the account in the summer of  XXXX . The account was charged off and sent to  XXXX   XXXX . The debt was time barred from collection in  XXXX  against me under TX statue of limitations. This does not stop  XXXX    XXXX   from reporting to my Experian credit report that the account is past due, COLLECTIBLE, and assigned to an attorney/collection agency to collect!     This is not the first complaint about this account but there is NEW INFORMATION TO REVIEW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my credit report that I did not authorize. Ive sent letters to each credit bureau about the more than XXXX inquiries to be removed. Its be more than 3 months and the inquiries still remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX XXXX and it is showing me all my hard inquiries. I have never applied for a capitol one card or went to a car lot to get a car in my name.
Product: Checking or savings account

I have a checking account and I always pay my bills such as my light bill. But the bank pulled it as fraud. It wasn't fraud it was my light bill. Now I'm paying for it. Then they let someone try to deposit a check in my account. Now I'm being charged for that.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and dissatisfaction regarding the lack of response to the disputes I submitted to TransUnion, XXXX, and XXXX. Despite clearly outlining the inaccuracies on my credit report and citing the violations of the Fair Credit Reporting Act, it has now been over 30 days since I submitted my disputes, and I have not received any acknowledgment or resolution.

It is imperative that these issues are addressed promptly and accurately, as they have significant implications for my financial well-being. The failure to respond within the legally mandated timeframe is unacceptable and constitutes a blatant disregard for consumer rights.

I demand immediate action to rectify these errors and provide me with a comprehensive resolution. Attached are copies of all correspondence sent to support my claims.

Failure to address these concerns promptly will leave me with no choice but to pursue further action to ensure my rights are upheld under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a loan and a house in my name in another state. Huntington XXXX
Product: Credit reporting or other personal consumer reports

Because Experian does not include all of my extensive credit history, I have been denied loans, credit cards, and credit increases at inconvenient times. Experian only has one of my credit cards ( which is under my XXXX XXXX account ). I sent them a letter in XX/XX/XXXX, inquiring why they did not have my credit history. They told me that I needed to contact each of my creditors and ask them to report to Experian. I have been denied by XXXX XXXX who uses Experian to check my credit, but does NOT report to them. I wrote to them and asked them to report to Experian. It never transpired. In XXXX, I had the exact same experience with XXXX. They do not report my credit to Experian yet they use Experian to determine my credit-worthiness. I have XXXX credit cards and XXXX loans in my name. Including a home loan and a car loan. I just paid off XXXX of my car loans. All of my accounts are in good standing. My concern is that Experian is ransoming my credit-worthiness. They want me to succumb to their subscription services. I can not get a re-finance on my home loan when Experian is the reporting agency. Even my home loan is not on their report. I CAN NOT force my creditors to report to them and I CAN NOT force them to use other reporting agencies. I am in a bind. It feels like ransom or some other form of illegal activity. Today I was denied for an XXXX XXXX XXXX card because they used Experian. I have an XXXX store card since the XXXXXXXX XXXX
Product: Credit card

American Express deceptively gave me a financial review even though originally they just did a credit line decrease on XXXX of my accounts. They gave me the option to restore my Gold Delta Skymiles limit to where it was before and I called them up with some questions about how long the process would take. immediately after the call, they did a full financial review on me and suspended all of my accounts even after I had already sent them documentation about my finances for the Gold delta skymiles credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute inaccurate information, as permitted under FCRA ( sect 611 ) regarding XXXX XXXX # XXXX with this CRA, Equifax, because the information reported on my credit file is inaccurate. Equifax has responded on a number of occasions that " we have verified that this item has been reported correctly ''. 

I have repeatedly demonstrated to the CRA that the information is not only inaccurate, but inconsistent. For example, Equifax is reporting a date of first delinquency before the " assigned date ''. It is reporting this delinquency for an entity ( XXXX XXXX ) whom I have never had a contractual relationship with that would create such a delinquency. 

Under FCRA, section 611, in previous disputes, I asked Equifax to provide verification, update or remove the account. Equifax has stated that what is inaccurate - is accurate which is a violation. Specifically, they are reporting that I have a date of first delinquency ofXX/XX/2019 with XXXX XXXX even though I have never had a relationship with them. 

I have repeatedly asked Equifax to delete this item from my credit file on the grounds that there is unverifiable information, and this action is required by Federal Law.
Product: Debt collection

Hunt & Henriques, Attorneys at Law are debt collectors and violated the terms of the credit card agreement with XXXX XXXX by 1 ) filing a lawsuit instead of binding arbitration ; 2 ) Taking action against the authorized signatory holding the corporate credit card issued in the name of a limited liability corporation ; 3 ) Using threatening tactics in order to force authorized signatory into settling the account under duress. 

This complaint is being submitted in order to allow Hunt & Henriques an opportunity to respond instead of claiming they did not receive the previous complaint and exhibits which support my position this case.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please update.
Product: Debt collection

AAA COLLECTIONS are extremely rude tells me I have to pay more than I can afford. The first lady I spoke to I asked for a copy of statement and what was owed she said because I live in GA now they can't send me a statement because they don't have attorneys in this state. The second person I spoke with agreed to send me a statement but it won't show what I have paid he said look it up on my bank statements. I told them I could only pay XXXX every two weeks they said that is not enough and I would have to call every 3 months to renegotiate.