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

I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX XXXX offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of 2014 I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. XXXX would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. XXXX needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if XXXX offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts disputed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion to investigate items on my credit report that were not accurate. I was very specific about the items and included all the details. The company took more than 45 days to respond to my initial dispute. Legally, because of this all items in question need to be deleted because they could not verify within the legally allowed amount of time.
Product: Mortgage

PHH Mortgage is in charge to collect my monthly payments for my house, i just find out that on XXXX/2020 my regular payments went up {$87.00} cents. on XXXX XXXX/20 they received my regular payment of {$1600.00} so I was short {$87.00}, My Daughter was helping me out sending bill payments online due to my heath, i was XXXX XXXX XXXX  of XXXX for a few weeks and could not check my mail. when i start open all my mail i found an intimidation letter fro PHH MORTGAGE dated XXXX XXXX/20 stating that i was in default due to missing payments, i download from my Bank all payments send from the last 5 month, because of the {$87.00} short on XXXX they being reporting me missing payments and also trashing my credit for past 3 month or more.with the three credit bureau companies. PHH is using this kind of tactical intimidation for customer like me loosing the house, i check the history of this company having class action lawsuits for being a predator organization, charging hiding fees. etc i would like this company to be investigate.
Product: Debt collection

On my credit report there is a negative inquiry and balance reported by LVNV Funding LLC. 

This company purchased a debt from a creditor who did not notify me of the balance or actions and from the information I could gather filed litigation back in Ohio where I had no longer resided since XXXX yet was somehow able to receive a default judgement in their favor. 

I'm not entirely sure how this was a possible without my knowledge and without providing me any account information regarding the validity of the debt or statement of charges to verify the balances. I was going through a contentious divorce and custody battle in the prior year and wanted to see what charges were applied to ensure the card or account was not being used by another party. 

I am disputing the validity of this debt and would like to obtain the following from the creditor : The signature or notice provided by the process server showing I was informed of the debt and court date. 

Provide me any signatures for any signed transactions part of this balance in addition to the original application for credit and individual fees that accrued as a result of the debt. 

Provide me the date and amount of the debt that was purchased from the original creditor and what it was sold to them for prior to filing suit against me and the right to collect on this debt without my knowledge. 

Provide me the balance claimed as being due is calculated properly Provide how the loan has not been rendered unenforceable due to the expiration of the statute of limitations of the state in which they sought judgement without my knowledge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Comenity Bank/VCTRSSEC Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

there is a company on my report I never had an account with by the name of Resurgent Receivables LLC. Ive spoken with the company and the credit bureaus and they did not remove this collection off my account. this account was opened on XX/XX/XXXX, XXXX i disputed this matter and yet it still has not been resolved.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- -XXXX  XXXX -- - XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX 
XXXX -- -- -Equifax -- XXXX - XXXX XXXX XXXX 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Plus four continues to report medicals bills under {$500.00} on XXXX, XXXX XXXX and XXXX. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX XXXX several times and they have refused to remove from the credit report. 

Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. 

I am asking that all medical bills under {$500.00} from XXXX XXXX I removed from my credit report. 

Plus four this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.
Product: Credit reporting or other personal consumer reports

XXXX and equifax are both reporting wrong information on my report stating that XXXX auto loan was charged off when it was paid in full. I have letter from XXXX saying it was paid in full and they would contact credit reporting agencies to remove the charge off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND XXXX FURNISHED 1099-C FOR ALL CREDIT CARD DEBT LISTED ON EXPERIAN ONLY, ALL BUREAUS COMPLIED LONG AGO!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched 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 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 ; 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: Debt collection

I received a collection notice from Mountain Run Solutions in the amount of {$810.00}. I had no idea what this could be from. At that time my credit score was XXXX till they put an unwarranted and false collections ding on my credit. I had to do research to find out what this could possibly be from. 
On XX/XX/XXXX Mountain Run sent me documentation from an account with XXXX XXXX dated XXXX XXXX XXXX for a service set up for security at a recording studio which I have not been a part of for over 10 years. I signed on. behalf of the LLC not using my social and was not the owner of the Studio. That XXXX XXXX XXXX has been dissolved for over 10 years. The only document Mountain Run sent. was a copy of the order signed in XXXX of XXXX, there are no copies of subsequent bills, nothing that says unpaid, and nothing at all documenting the {$810.00} they say is owed. I do not understand how credit agencies could even think their claim was valid and ding my credit. 
Not once did I ever receive a late bill or any kind of notice of delinquency in all those years. Now they have hurt my credit. Mountain Run has texted me offering a reduced payment but I do not owe and it is way past statute of limitations.

I looked at XXXX  website and Mountain Run has 388 complaints, 251 of those complaints against them in the last 12 months. 
I am not alone in this.
Product: Credit reporting or other personal consumer reports

I applied for a rental home and was subsequently denied because of information from Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am unaware of any negative rental history so I request validation of the records released to XXXX. XXXX XXXX XXXX that caused my denial. I am requesting full disclosure of my reports and files held on me for me to exam. I will be holding each company civilly liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX who has been suffering from my lies and deceptive actions of Lexisnexis over and over again and need your help to fix this please as they claimed they dont dont how to help because i dont respond with identification omg what a lie as you will see. I been calling and each time being rejected in the calling q after waiting for 1 hr 17 mins and 2hrs. as am in california and there hours are not readily for my time zone. They have no clue am tracking emails read when i sent XX/XX/XXXX and XX/XX/2021 so they lied that they cant remove the information that stole from my records and sold without my written permission. Am very depressed now as they are saying they dont have to respond to me as they have all rights as they dont go by the rules of the FTC but only by XXXX, XXXX and XXXX. am confused need the CFPB to help me and am having sleepless nights of their constant lies.
Product: Debt collection

-Received collection notice on XX/XX/XXXXXXXX  for {$4000.00} -Debt is connected to a XXXX account that was opened fraudulently in my name -Contacted XXXX on XX/XX/XXXXXXXX  who opened a case and put hold on account. XXXX claimed they would contact me back within 72 hours and have yet to do so -Contacted American Coradius International ( debt collector ) who returned debt back to XXXX . 
-Filed police report with local Police Department on XX/XX/XXXXXXXX  -Contacted XXXX on XX/XX/XXXXXXXX  who refused to share information on who at XXXX was handing the fraud case, and turned me towards local police department for investigation. 
Contacted local police department on XX/XX/XXXXXXXX  who said they would not investigate and no ability to contact XXXX XXXX allowed someone to open an account in my name without checking my identity or credit. XXXX then allowed banking transactions to flow in and out of the account and will not provide any detail to investigate or allow me to access their investigation teams to resolve.
Product: Mortgage

I received the attached letters on the same day XXXX XXXX BOTH in a non post dated envelope -- from XXXX XXXX Escrow showing I have a shortage and new pmt as I dont understand how I have a {$1900.00} shortage and payment stays almost the same? XXXX XXXX as of XX/XX/2021 and SERVICER-NOVAD When XXXX intentionally aware loan is being transferred to a XXXX XXXX XXXX XXXXXXXX XXXX. 

SERVICER FAILED TO NOTIFY ME AT LEAST 30 DAYS in advance to me My payments with XXXX are automated coming out the XXXX of every month. When I get paid. 
FAILED TO PROVIDE FIRST DUE DATE and AMOUNT Per letter states : indicates where I can send pmt after XX/XX/2021 *****THIS IS CONSIDER FRAUD I DID NOT receive a letter from XXXX XXXX WHEN to stop accepting payment from me-ALSO FRAUD All I recd from XXXX is a Escrow shortage ... sounds like a set up to immediately become delinquent with a corrected monthly mortg pmt Mortgage renewal XX/XX/2021 current pmt XXXX ****Did not receive a statemnt of the transfer will not affect any terms and conditions of my mortgage from SERVICER and XXXX XXXX from OWNER , LENDER, ORGINATOR and SERVICER with all info listed above My payments are set up auto with XXXX XXXX and a week is unacceptable and not enough time -- -This is FRAUD
Product: Student loan

I have my loans through Navient. They purchased XXXX and so they have my private loans as well as my federal loans they bought out. The interest rate is so high on my private loans that it will take forever to pay them back, even though I selected the 10 year repayment program. I went XXXX after graduating and so my interest rate shouldve been capped but I am pretty sure they were charging me a higher interest rate even when I was on XXXX XX/XX/XXXX. I was on reserve status for XX/XX/XXXX-XX/XX/XXXX until after I graduated from XXXX school. Once I left XXXX this summer I noticed my private loans shot back up to greater than 13 %. Just seems like robbery. I am in the process of getting them refinanced so that I can get them paid off and not be a slave for the rest of my life. I can get you any documents that you might need. I have never missed a payment but my payments are high and I am paying around {$1000.00} per month just in interest. so majority of my payments are taking off interest. I have never received any contact from them other than email. No one has ever offered to help or offer information on the best course of action for paying off the loan. The interest is so high that it to me is robbery. I have excellent credit and an excellent payment history.
Product: Checking or savings account

This complaint is submitted by counsel as attorney for the complainant at his request. Complainant is a XXXX-year old double leg amputee and XXXX veteran. 

On XX/XX/XXXX, complainant had his checking account with Synovus Bank in XXXX, XXXX On that day, he visited a Synovus Bank branch and informed it of numerous unauthorized debit card transactions in his account. He was told the bank would fix it, asked not to close his account, and to make a police report. Complainant did so, making a full report to a police officer at the branch the next day. Complainant was not told of anything else he needed to do and believed the matter would be resolved by Synovus. Complainant visited the branch two more times to check on the matter. Each time he was told the bank would be telephoning him. It never did. 

Still having no word from Synovus, in early XX/XX/XXXX, complainant again visited the branch. He was told he had never disputed the unauthorized transactions, that he had to fill out the written form and that he could not recover anything for charges older than sixty days from that date. Synovus therefore denied complainant recovery for the month of XX/XX/XXXX, the month which had the highest amount of unauthorized charges. 

Synovus subsequently recredited {$2200.00} to complainant, but complainant has still lost over {$23000.00}, which Synovus refuses to recredit.

Additionally, complainant by letter to Synovus on XX/XX/XXXX and XX/XX/XXXX requested it to provide him with information and clarification pursuant to 12 CFR 205 et. seq. on : ( 1 ) All EFTs in issue from XX/XX/XXXX to the present for which Synovus failed to recredit complainants account ; and ( 2 ) All EFTs in the same period the investigation of which Synovus closed for alleged lack of information. Synovus has made no response to these requests.

Synovus conduct above violates Regulation E.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for solar from a salesperson named XXXX and was promised a sign on bonus of XXXX after installation my solar panels have been installed since XXXX and I still have no solar or no bonus and I now have two bills I am paying for
Product: Debt collection

I reviewed my credit report and I see a collection SYND Office - XXXX General Hospital but no contact information a ZERO balance. The transaction was PAID and over 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a fraudulent collection be deleted from my report. 
The Collection was from XXXXXXXX XXXX, AKA XXXX, AKA XXXX XXXX XXXX XXXX. 
The debt collector refused to provide any required info to dispute this debt correctly. 
The debt collector could not be reached even by legal means. 
I submitted a prior complaint to CFPB ( Complaint number : XXXX ) and this CFPB validated that the debt collector was fraudulent as they could not even contact the collector. 
I filed a dispute with all three credit reporting agencies and the results were as follows ; XXXX - Verified as fraudulent and deleted. 
XXXX - States they verified as good, not deleted. 
Experian - States they verified as good, not deleted. 

I am requesting that both Experian and XXXX delete this fraudulent debt collection from my credit profile for the following reason ; Both XXXX and Experian did not verify this debt or the collector per federal law. 
The CFPB was not able to contact this collector and as such, it was not possible for Experian and XXXX to contact the debt collector and they did not in fact verify the debt as this debt and the collector are fraudulent. 

Please reference my previous closed CFPB complaint # XXXX I have also attached supporting documents ; Experian Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX and XXXX Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX
Product: Debt collection

We continue to be harassed about a debt that is neither mine nor my spouse by XXXX XXXX XXXX XXXX. We reviewed our credit report and are certain this is not our debt. We have been attempted to be served ( have video proof of them trying to serve us papers for a debt that is not ours ), continue to send back multiple certified mail attempts, and receive threatening phone calls nearly daily, etc. 

We communicated over the phone and over certified mail ( tracking below ) that the debt is not ours. We included the letter we sent the collectors. The debt belongs to XXXX XXXX XXXX ( presumed due to mailing address. Unbeknownst to us our phone number and home address is tied to this debt. That said, neither XXXX XXXX XXXX XXXX XXXX are the debt holders and they will not stop. 

Certified mail tracking numbers : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FIRST INVST 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 XXXX XXXX