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

Jefferson Capital XX/XX/year> {$4200.00} I have put in several disputes stating this is not me and they have not deleted off credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$1400.00}
Product: Mortgage

I asked Mutual of Omaha to set up an escrow account for my mortgage and that was not done. I paid the money that they wanted me to pay to set up the account. Due to a possible oversight, It was not set up at all. I did not find out to about 5 months later when they done a another escrow analysis before they transferred the file to another company that I was over {$10000.00} in the whole that I have to repay. Thus increasing my entire mortgage payment more than double With principal interest and escrow. I also asked for and paid for home insurance to be in the escrow also. It was not done. Again, after the analysis was done By Mutual of Omaha With the deficit, the loan was transferred to another company and they did it complete analysis of the file At my request and they found That someone at Mutual of Omaha dropped the ball on the escrow was not set up. It was not applied to my mortgage as promised and as I paid for them to do. As a result my new company also filed a complaint against Mutual of Omaha. This is called a breach of contract and as a result I am medically and financially suffering from the stress Of This mess that I did not create. I have a medical mental condition to deal with.It is causing me panic attacks.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has been over 60 days later I have not received a response ye. I feel like I'm being taken advantage of and being ignored of my disputes, section XXXX ( a ) is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax requesting that I provide 2 forms of I.D . as proof of identity as well as my FTC report. For Equifax to block information under Section 605B of the Fair Credit Reporting Act, I am providing this information attached to this complaint. Just to reiterate, I am XXXX XXXX, a consumer and I am pursuing 15 U.S. Code 6802 my right to privacy. I am requesting the following information to be blocked and deleted 15 U.S. Code 1681c-2 from my credit report within four days as stated in the law : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm also pursuing 15 U.S. Code 1681a ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( My social security card is a card. ) Method of verification was not investigated before publishing anything on my report. Did you interview my friends, associates or neighbors? If you did please provide their names and information.
Product: Mortgage

On XXXX/XXXX/2022, the annual escrow account disclosure statement was mailed to me, showing an overage of {$3500.00} and stating that the escrow refund check would be mailed to me in a separate envelope. 
After XXXX weeks, I called the company as I had not received it. They said it would take another XXXX weeks. 
On XX/XX/XXXX, I called again and they said they would put a stop payment on the check and would instead deposit the money directly into my checking account and it would take XXXX business days. 
I called this morning on XX/XX/XXXX, and they said that they are unable to do that and instead they reissued a check yesterday. I asked to speak to a manager and was put on indefinite hold. I advised them that federal law requires that I have the refund within 30 days and they have not done anything to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I raised a dispute regarding a credit card thats paid in full but is still currently showing a balance. I have provided proof of the card payment twice and in disputing XXXX has since decreased my credit score by XXXX points. This is not fair to me nor my credit score.
Product: Mortgage

Allied Servicing Corporation, a debt collector, is attempting to foreclose on property that my family has superior interest in. Allied Servicing Corporation has not provided any legal documentation authorizing them to collect on this alleged debt. They have not provided me with any proof of a recorded mortgage assignment authorizing Allied Servicing Corporation to act on behalf of any creditor for this alleged debt. 

At this time, I am formally disputing this alleged debt and requesting Allied Servicing Corporation to provide me with the following documents in accordance with the Fair Debt Collections Practices Act ( FDCPA ) : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this alleged debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit reporting or other personal consumer reports

i have sent them letters requesting they remove incorrect information off my credit report. I have asked them to send me proof that those are my accounts. They sent me a letter accusing me of using a credit repair company. i Called to remove inquires i get told i need to call them directly. they also sent me some papers requesting me to fill out an investigation i have already done that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm is reporting I owe them money for an item that was financed through Affirm that was returned to XXXX XXXX. They are reporting on XXXX about a order a XXXX XXXX XXXX signed for. XXXX realized the error and returned the item to a XXXX XXXX will not let me state this on my credit, report Exploiting a minor. This exploitation happened in XXXX of 2018 .I guess Affirm, XXXX and the Consumer Protection Bureau contributes to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I took out a loan with AFFIRM INC XXXX, XXXX XXXX XXXX, Fl XXXX, XXXX XXXX, CA XXXX, LOAN XXXX, Original amount {$3900.00}. Today, I discovered they pulled my credit report and the initial offer via XXXX said they would not be pulling my credit. When I attempted to resolve, their service agents are not in the US, and I experienced language barrier issues, and an inability to assist. I feel the company is a scam, and pulled my credit to share my information illegally and drive my score lower. I would like the inquiry reversed and this company investigated for their sales practices.
Product: Checking or savings account

I am unable to receive correct information in regards to my refund settlement from Wells Fargo Remediation Customer Service. I kindly request that you provide an update on the status of my refund and process the payment at your earliest convenience. If any further information or documentation is required, please let me know, and I will be happy to provide it promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, and XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Payday loan, title loan, or personal loan

I have revoked authorization to debit my bank account with quadpay on numerous occasions and they refuse to and continue to try to debit my account.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$4100.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - {$5300.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$17000.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$6400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}
Product: Credit card or prepaid card

I have been a BB & T bank customer for over a decade. I am having an issue with the bank and hope either you can help me, or point me in the correct direction of someone who can. 

I submitted my XXXX rewards points for a {$500.00} cashback reward. It never showed up. 

Upon further investigation, BB & T sent it to an old address ... a home from which my family and I moved in 2017.

I reached out to BB & T in 2017 to make the needed address changes. While we moved our mortgage, we still use BB & T for our checking, savings and credit card, and we continued to receive BB & T correspondence at our current address. 

Now, when the reward check went to the wrong address - BB & T states it was because I did not make the proper address changes. That is confusing - as I did, in fact, make the address changes and as I stated, did get BB & T correspondence at my current address. 

I am concerned that BB & T markets its rewards programs as its own. When you log into the program, the BB & T rewards website landing page has BB & T at the top of the page and throughout the rewards online program pages. Yet, now that the {$500.00} rewards check did not find its way to our current address - BB & T responded with my repeated online messages that the problem is resolved because I did not change my address ( on what appears to be a 3rd party vendor and not BB & T ) and will only get the {$500.00} cashback reward if the check doesn't get cashed by someone else. 

BB & T needs to make it clear this is not a BB & T program and that all customer service items, such as address changes, need to be addressed with whoever that 3rd party vendor is. 

Not only am I currently out {$500.00}, I am confident this has happened to other customers as well. 

Can you please help me get the {$500.00} cashback reward that is owed to me? 

Thank you for taking the time to read through this email and for any action you can take to help me.
Product: Debt collection

Receivable Management is reporting an auto insurance debt on my credit report from XXXX XXXX. I do not owe any outstanding debt to XXXX. I currently have a policy with XXXX. They would not have given me the new policy if i had an outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on more than two occasions requested that Experian remove an alleged bankruptcy reported under my name in their credit files. My own composed letters to Experian has repeatedly asked for validation and verification of the alleged bankruptcy and they have corresponded that the bankruptcy has been verified from the company which provided the information to them. I am demanding the company which provided this information to Experian about an alleged bankruptcy be revealed to me, the consumer. I will in turn perform my own reconciliation with any and all companies ( Experian and other companies ) to ensure the information is factual which is being reported under my name, XXXX XXXX, XXXX. I am very frustrated with Experian and their lack of diligence. Because this incorrect information is being reported in my credit file, credit offers and other financial entitlements are not being executed.
Product: Debt collection

I start XXXX payments a Long ago and nothing is reflected and I start today an arrangement with them to pay bi weekly and is not reflected neither
Product: Student loan

A few months ago, I contacted Navient about lowering my payment amount or interest, but was denied the possibility. It was difficult for me to repay at the time because I had just become a father and the expenses put me in a bind. Because I have a co-signer, I didn't stop making payments, but it was really a hard time. Now, I just had my XXXX baby, and times are harder than they were a few years ago. I tried contacting Navient again, and was denied any possibility of lowering my payments or my interest. I've been making payments for about 7-9 years and I have only made about a {$2000.00} dent in my principle. I need HELP! These people are thieves! I see that there are complaints about their forbearance program. It happened to me! When I was fresh out of school and XXXX failed to help in placing me with an employer, I wasn't able to pay. XXXX at the time, kept making me pay {$50.00} to put my loan in forbearance, and now I owe thousands in interest. It's all a big SCAM! Getting this " education '' has dug me into a hole financially.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX around XX/XX/year>. This accounts have resulted in several fraudulent hard inquiries and fraudulent late payments on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Credit card or prepaid card

The card keeps showing restricted, Every other week I have to keep calling them. They unrestricted it and they did it again this month. When I call them they put me on hold and never come back saying theyre looking at my account. I dont understand what kind of company does this.
Product: Credit card

Following me filing a billing dispute for duplicate payments my monthly payment was attempted to be withdrawn from a saved account I had not selected for payment. After the second attempt I confirmed with my credit union that the payment scheduled on XX/XX/XXXX was never presented for payment as instructed using the customer portal. 
On XX/XX/XXXX I phoned Synchrony to find out why the provisional credit was reversed from my account and the agent informed me that my account had been closed due to returned payments. 
I used this account daily ; I paid the balance off monthly. After filing one claim for a debit which was processed twice my payment instructions were ignored and payments were attempted to be withdrawn from another account.

I have never missed a payment, carried large monthly balance which was paid off monthly. I believe there is a problem with your portal not retaining customer selections on which account to withdraw funds from. Instead of calling a loyal customer you close my account without notice leaving me embarrassed as I am told my transaction is declined. I still have no information on the claim I filed or indication what the final outcome was.
Product: Debt collection

I have no idea why this company is negetivly affecting my credit reports with their false reporting. I do not Know them or owe them anything!
Product: Debt collection

A cease & desist was sent to the debt collector. According to 15 usc 1692c you are prohibited from communicating with me. The debt collector is still communicating indirectly through my consumer report. The debt collector only has a right to report if I have given them consent. I have never given this debt collector consent to report anything to my consumer report. According to 1692c ( b ), you have to have my consent which I DID NOT give.

According to 15 usc 1692k ( a ) ( 1 ) a debt collector who has violated any provision of the FDCPA Is liable for actual damages. You are reporting several accounts. According to 15 usc 1692k ( 2 ) ( A ) it would be {$1000.00} per violation. 

I will not hesitate to file a suit if you continue to break FEDERAL LAW and violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to remove the inquiries from the credit reports. 
XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Advance group Inc original debt was from XXXX, advance entered judgement XX/XX/XXXX. Debt can not be found on my credit report but judgement to garnish wages was entered. 
In the amount XXXX principal and XXXX after fees and interest
Product: Debt collection

Dear TFC Credit Corp, Re : Account # [ Insert Account Number ] Consumer : XXXX XXXX XXXX I am writing to formally address the improper and unlawful reporting of a collection account under my name, XXXX XXXX XXXX, which I unequivocally dispute. This letter serves as my final request for immediate removal of this collection account, as it violates multiple provisions of federal consumer protection laws. Despite numerous attempts to resolve this matter via written correspondence and phone calls, your company has failed to respond appropriately. This non-response is a direct violation of your obligations under consumer law. 

Please be advised of the following : False and Misleading Information Violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 15 U.S.C. 1692e ) : Under the FDCPA, it is unlawful to attempt to collect any debt that is not valid or is not owed by the person in question. This debt does not belong to me, and continuing to report it or collect on it constitutes a clear violation.

Failure to Validate Debt Violation of FDCPA Section 809 ( 15 U.S.C. 1692g ) : I have requested validation of this debt on multiple occasions, as is my right under the FDCPA, and you have failed to provide the necessary documentation. Your failure to validate the debt while continuing to attempt to collect it is unlawful.

Fair Credit Reporting Act ( FCRA ) Violation Section 623 ( 15 U.S.C. 1681s-2 ) : As the furnisher of information to credit reporting agencies, you are obligated to ensure the accuracy of the information you report. By reporting this inaccurate and disputed information, you are in violation of the FCRA.

Given the multiple violations of my consumer rights under the FDCPA and FCRA, I am demanding that you : Immediately cease all collection efforts related to this account.

Remove any negative information associated with this account from my credit reports with all credit bureaus.

Provide a written response confirming the removal of this account within 10 business days from the date of this letter.

Failure to comply with this demand will leave me with no choice but to pursue legal action, which may include filing a lawsuit for statutory damages, attorneys fees, and any other applicable remedies under the FDCPA and FCRA.

I trust you will take this matter seriously and resolve it promptly to avoid further escalation. 

Sincerely, XXXX XXXX XXXX