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

When consumer went to purchase vehicle XXXX XXXX already had an account balance on credit. Account has Illinois address. Account information does not match current address, previous address, school address or parents home address. No information on the account matches my credentials. Company refused to correct issues stating its not their responsibility, company has ignored multiple disputes. Company continues to report inaccurate information while violating consumer rights. Company inaccurate reporting has altered all credit scores making them report inaccurately and making it impossible for any purchase of vehicle. Company has update information in regards to address and still refuses to run accurate dispute. Company has been contacted multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The returned declined decision stated serious delinquency and number of accounts delinquent to my knowledge I have none, I can prove I constantly monitor XXXX XXXX, that might not be the best source but I received no calls from collections and have none on my record. Im XXXX years old, have over a XXXX savings, small business owner, and have made over XXXX 5 years in a row and Im scored at XXXX????? I still have XXXX XXXX car loan on my transunion report I paid off in month ago and XXXX acknowledged payoff and my score is lower then transunion???? This is a joke I have a little brother that makes XXXX a year and has XXXX credit meanwhile I cant get a couch at XXXX XXXX, please review my account, if I have outstanding debt let me know I will pay on spot and move my XXXX XXXX score higher, I apologize for cursing but credit makes the world go around and Im getting XXXX by everyone, Ive paid multiple loans for large amounts, been renting for 3+ years at XXXX a month ( which I know isnt reported ) which should be, Ive paid {$2200.00} a month for almost for years and never late and I get refused for a XXXX side by side???? Please fix your system
Product: Mortgage

I applied for a loan modification over a year ago. I have completed the package three times and sent all require documents requested by the mortgage company. Each time about three months into the process they closed the modification for missing documents. 
They do not response to email, fax, are phone messageXXXX mail. I call they put me on hold for hours then they said call back in 5 days. Over a year it is impossible to get a application in their system. They are raising my payment every six months which raise my payments by XXXX. My loan is current so do not care.
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LENDING CLUB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite providing the required documentation to the Federal Trade Commission ( FTC ) as requested, this account is still listed on my report which I had previously sent request to dispute this account : XXXX XXXX XXXX XXXXXXXX. 

I have contacted the creditors associated with this account, and they have acknowledged the fraudulent nature of this account and assured me they would be removed. I have also provided the necessary documentation to support my claim. Additionally, XXXX and XXXX have already removed this account, and I expect you to do the same. 

I demand that this fraudulent account be removed from my credit report immediately. The creditors have agreed to remove it, and it is unacceptable that they continue to be reported. Thank you for your prompt attention to this matter. I expect a resolution within 30 days, as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Theres a consumer report or freeze on my credit that I want removed
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Upon closing XX/XX/XXXX, my county taxes for XX/XX/XXXX were estimated to be {$1200.00}. A supplemental form was mailed to me for the correct acreage of my home, so the actual amount owed for my XX/XX/XXXX county taxes was {$1300.00}. 

I sent this supplemental *correction* form to my mortgage company and asked them to tell me what I should do with it. Instead of responding, they mailed a letter saying they'd paid the supplemental taxes. This was in XX/XX/XXXX. 

My Annual Escrow Account Disclosure Statement shows that ANOTHER disbursement for {$1200.00} was made for county taxes in XX/XX/XXXX, bringing my escrow to a negative amount of - {$1700.00} somehow. 

I have been calling and emailing and faxing this company for several weeks to no avail. I checked with my county tax assessor to be sure, only one payment was due and paid of {$1300.00}. 

My mortgage payment is due tomorrow and I'm very worried. I am continuing to call the company for help, but I never get the same explanation twice. I've been told they can't even see the escrow disclosure statement, and they've asked me to fax it over TO THEM, when they are the company who mailed it TO ME. I can even log on to my account and see the same form. No one seems to know what I'm talking about. Please help. 

My monthly payments have now gone from {$790.00} to {$940.00}, which will be a struggle for me.
Product: Credit reporting or other personal consumer reports

At XXXX XXXX XXXX XXXX ) today ( XX/XX/year> ), I received a phone call from ( XXXX ) XXXX. The XXXX ID identified it as originating from XXXX XXXX. The caller asked if I had recently made application for a XXXX credit card from Pennsylvania. My answer was a strong " No ''. Included in the relatively brief conversation were a number of attempts to get me to say " Yes '', which I diverted to other responses. The individual then transferred the call to another agent, who said they just received another XXXX credit card application from Texas. I again reaffirmed that I had made no such request. He then requested that I take down his name & employee number for future contact. He game me XXXX XXXX, XXXX, and then asked if I got that information, to which I stupidly replied " Yes ''. At that point the call was abruptly terminated. Looks like the start of fraud to me. 

I did not provide any sensitive information. I have alerts on my card, and banking accounts. I closely monitor expenditures on those accounts. I am about to contact Credit Report organizations to put a XXXX XXXX on my report. Are there other actions I should take?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that has been disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit card

On XX/XX/XXXX, an unauthorized charge of {$120.00} was made on my Affirm account using a virtual card. I did not make this purchase, nor did I authorize it. 

On XX/XX/XXXX, I reported this fraudulent charge to Affirm and requested proof of purchase, including a receipt, IP address, or any authorization details linking me to the transaction. 

Since then, I have followed up multiple times over the past two months, but Affirm has failed to provide any evidence that I authorized this loan. Instead, they have continued to list the loan as due and are now charging me interest, bringing the balance to {$130.00}. 

On XX/XX/XXXX, after waiting on hold for over 48 minutes, I was told that Affirm had completed its investigation and determined that I was responsible for the charge. However, they provided no documentation or proof supporting this decision. 

I have repeatedly asked Affirm to provide merchant records, authorization details, or verification that I made this purchase, but they have not provided any of these. Their lack of transparency and failure to properly investigate my fraud claim is unacceptable. 

Actions Taken by Me : XX/XX/XXXX Reported the fraudulent charge to Affirm and requested proof of purchase. 
Follow-ups in XXXX and XX/XX/XXXX Reached out multiple times via phone and email, requesting updates and proof of purchase. 
XX/XX/XXXX Called Affirm again, waited on hold for nearly an hour, and was told the case was closed against me, with no evidence provided. 

Resolution I Am Seeking : 1. Immediate removal of this fraudulent charge from my account. 
XXXX. Cease reporting this loan to any credit bureaus. 
XXXX. Provide clear and detailed proof of purchase, including a receipt, merchant records, and authorization details. 
XXXX. Stop accruing interest and late fees on this disputed charge. 

Affirms failure to properly investigate this fraud claim has caused unnecessary stress and financial burden. I request a thorough review of this dispute and a resolution in my favor.
Product: Debt collection

XXXX XXXX ( lab work ) is trying to collect money i do not owe. {$380.00} is what a collection co. wants. Our co/pay is only {$10.00} dollars. XXXX XXXX  hmo our insurance filed a grievance in XX/XX/XXXX, they agreed with us and Provider Relations Department sent the report to XXXX to cease billing my wife. They did not agree with the grievance report. They have placed this with a credit collection. Yet XXXX is still sending us a bill. On XX/XX/XXXX XXXX  of XXXX NJ. closed this case because XXXX did not receive a response from business.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were under the impression that the credit bureaus were supposed to conduct an investigation, and respond with the results, within 30 days of investigation request. My husband I submitted an investigation request two months ago, and neither of us have heard back yet. We feel like our rights are being violated.
Product: Bank account or service

I went in to Bank of America to open a account. I was told by the branch manager that my name and social security number was showing up XXXX. I was then giving a phone number XXXX to call. I call the number and the person answering the other line, searched the information I 've giving them. An I was told my name and social was not XXXX, but on the Branch Managers computer inside of Bank of America was stating I was not able to open a bank account. The Branch Manager and the person XXXX spoke on the phone to one another and at the end of their conversation. I was still not allow to open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writting this letter because there is wrong information on my consumer report. 
The payment for XX/XX/22 is incorrect. Account : XXXX XXXX XXXX  ( XXXX  ) 15 U.S. CODE 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraud/ inaccurate/incorrect information on my report. I never instructed this XXXX XXXX to furnish this report, create this report And I never consented to this report in the first place. 
This information is inaccurate/fraud/false or incorrect. 

XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX ) XXXX XXXX XXXX {$520.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have a XXXX mortgage on our home and it is a balloon loan that is due in 2017. We are attempting to pay an extra {$500.00} in addition to our monthly payments of {$120.00}. but our mortgage company Ocwen keeps applying a monthly fee to the {$500.00}. extra payment. I wrote " For Principal Only '' on the check and checked the box on the statement for principle only. Our statement shows that we are only paying {$370.00} on the principle and we are several months ahead in our monthly payments. They are trying to make it very hard to pay off the principle, Can you help us? 
Thank you, XXXX XXXX
Product: Debt collection

The debt collector is called Syncb. I called earlier today to ask about them being on my credit report. They told me that they have no record of me. They told me to contact you guys!
Product: Checking or savings account

I haven't been able to find my debit card, my cell phone or my wallet since my house warming party on the XX/XX/18. Back on XX/XX/18 I deposited {$400.00} into my account before the party and I haven't been able to find the card since then.

I think someone at the party took it because they knew the pin, which is both the password to my phone and my gate code.

I have several charges to my card that I did not make : - XX/XX/2018 for -XXXX XXXX XXXX PURCHASE XXXX FL - XX/XX/2018 for -XXXX   XXXX XXXX PURCHASE XXXX FL - XX/XX/2018 for -XXXX XXXX XXXX XXXX   PURCHASE XXXX FL - XX/XX/2018 for -XXXX XXXX WITHDRWL XXXX XXXX XXXX XXXX FL - XX/XX/2018 for -XXXX XXXX WITHDRWL XXXX XXXX FL - XX/XX/2018 for -XXXX XXXX   WITHDRWL XXXX XXXX XXXX XXXX FL I have called my bank several times but they have me on hold for hours and I never get to speak to anyone its crazy!
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit agencies have inaccurate information about my name, addresses, phone numbers, public records information. These three agencies are allowed to casually commit libelous acts against the public, with little to no consequence, but the consequences for the individuals are real. Also, I shouldn't have to send in a copy of a driver 's license or utility bill to access MY credit report. I don't need to send a credit reporting company a copy of my driver 's license or utility bill. That is insane and an invasion of a person 's privacy.
Product: Vehicle loan or lease

In accordance with a fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under FCRA 605B US code 15 1681c-2. 
XXXX XXXX XXXX Account numberXXXX has violated my rights. 
I looked at my Experian credit report XX/XX/year> and notic d some things that are incorrect. 
According to the Fair Credit Reporting act 605 b US Code 15 1681 c-2 states that charge offs are considered as income by the IRS and is not allowed on a consumers credit report. No transactions or experiences are allowed on a consumers credit report hence this charge off os violating my rights. 
According to US code 15 1681A after any reinvestigation of information disputed by a consumer an item of the information is found to be inaccurate or incorrect or can I be verified The consumer Reporting agency show promptly delete that item of information from the file of the consumer.

According to 15 US code 1681 s-2 they are not supposed to furnish any information relating to a consumer to any consumer reporting agency
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these listed 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 ) you are required to remove/block items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Someone opened a checking and savings account with Citizens bank using my email and information including social security information. I called citizens bank and they closed the account and reported it and told me to do the same. This happened on Sunday XX/XX/ 2023
Product: Payday loan, title loan, or personal loan

I am behind a month on my loan and I spoke to the loan company about making a payment on XX/XX/2022 for {$100.00} but I wasn't able to do so. I believe in paying my bills on time and I have already had a loan with this same company and paid it off. Due to extremely hard times as a single parent during inflation I have fallen behind on all of my bills which really has me stressed out. This is causing issues with my health and I have been to my doctor for XXXX XXXX XXXX XXXX XXXX that I am working on controlling. I received a call from a neighbor asking me about two women knocking on her door and asking if she knew me. She said they left a letter for me with her and I could not figure out who this could be or why they would knock on this woman door asking about me. When I returned home I got the letter from my mailbox due to my neighbor had to leave for work and asked what she should do with it. When I opened the letter and read it, I was heartbroken and stunned that this information was left with my neighbor. I was really embarrassed and sympathetic at the same time that my neighbor had to be awakened by someone knocking on her door asking about me and my personal business. I called and spoke to the branch manager XXXX XXXX XXXX and she confirmed yes they came to my house and yes the left the letter with the neighbor due to knocking on her door by mistake. This is dangerous on their part due to the things that are currently going on and disgraceful due to the total loan they are looking to collect on is less than {$1000.00}.
Product: Credit reporting or other personal consumer reports

I received email from credit monitoring that XXXX pulled my credit for something. Called them they said they showed no account and advised to contact their fraud department after waiting for hours and opening a XXXX  complaint for wait they advised same thing no record of my info. Now years later a debt buyer opened a collection against me for this when I have never had XXXX XXXX ever and attempted to stop the fraud when it occured.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a identity theft
Product: Credit reporting or other personal consumer reports

I have many other names and addresses that have never been mine and many of them are in states I have never been to showing up on my credit report. Aside from the names and addresses that are not true, there are also credit reports from car dealerships whom I never gave permission to run my credit. There are also issues with some old credit lines that are showing as not paid that I never had.I have went through and sent Equifax and XXXX individual disputes for each of the errors on my report. I also sent emails to customer service asking them to let me know any proof they need from me to help resolve these issues and after 6 months nothing has changed and I still have yet to hear from anyone from either of these companies about my issues.