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

I'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I have attached a copy of all supportive documents for my statement
Product: Debt collection

AMERASSIST AR SOLUTIONS IS ON MY CREDIT AS A CHARGE COLLECTION/CHARGEOFF They never contacted me regarding this debt all of a sudden the debt was just reported on my credit. when I tried to reach out to them the phone line does not work,
Product: Credit reporting or other personal consumer reports

In contempt of several attempt the following items still appeared in my credit file, the fact, I had disputed them already a month ago. I've submitted previous complaints also with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by credit agencies. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to removed the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Consequently, I am seeking for your immediate assistance to solve this issue right away. I need the following items to removed by the credit bureaus immediately from my report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I noticed a remark on my credit report from FMS and requested validation of debt in XXXX. Shortly after, an old associate of mine was contacted by a law office. I was then contacted by a law office on Tuesday XX/XX/2019 once and three times on Wednesday XX/XX/2019. I requested they contact me via mail regarding any matters. Ive recieved nothing via mail validating the debt which they claim I owe. Today, I was contacted by that same old associate who stated my name was included in a law suit filing notice she was served with. Still no validation of debt has been made. The fact that I requested validation and now being faced with being sued, while my rights as a consumer were violated is unfair and unjust. And, With further review of my credit reports, I came across a potential business being reported under my name and the address owned/operated by the company in question. 

As Im completing this complaint, FMS has once again pulled my credit profile with XXXX against my knowledge, request and without permissible purposes. They have yet to provide me with Validation. 

They are also continuing to report to the credit bureaus while account in reference is in dispute which is illegal.
Product: Vehicle loan or lease

In Accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXXXXXX had violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
s.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant stress and inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. It is unacceptable that despite multiple attempts, the fraudulent items remain unresolved, casting doubt on the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my credit file. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit 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
Product: Checking or savings account

I opened the HSBC business checking account in XX/XX/2019 and met the requirements in XX/XX/2019 but I have never received my {$300.00} bonus. I have contacted the bank several times and could not get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB complaint to you today to attempt to request the removal of the fraudulent accounts and information I found on my Credit Report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX AV XXXX XXXX, DE XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that I have been a victim of identity thief. There are several accounts that do not belong to me. I have wrote letters and disputed these items with all major agencies including XXXX, XXXX and Equifax and they have not remove this false and inaccurate information.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Mortgage

I am deeply troubled by what has happened to my payment history as well as good credit rating after using an inadequate mortgage company to refinance my home loan. The following is a digest of what happened while going through their process. 
Mortgage CompanyXXXX XXXXSenior Loan OfficerXXXX XXXX 
Toll Free : XXXXDirect : 240-305-7886XXXX : XXXX # XXXXHistory : XXXX XXXX - Initiated original loan applicationXX/XX/XXXX XXXX - Loan is approved but we need XXXX mortgage company approvalXX/XX/XXXX XXXX - We still do n't have your approval. Please pay your XXXX payment and we will close in two weeks. 
XXXX XXXX - Since you made your mortgage payment. The amount of the loan changed and now we have to get approvals againXX/XX/XXXX XXXX - I asked XXXX about now being late for XXXX payment waiting for them to close the loan. I was instructed to NOT pay the payment we would close any day nowXX/XX/XXXX XXXX - Still no approval from XXXX or their underwriter. Again, I was told to hold off of the payment or it would delay the loan approvalMay XXXX - I was told that I was good to go and that they would set up the closing asap. 
XXXX XXXX - Apologies from XXXX XXXX but they now have to start over due to a credit change to my report. The credit change was the notation of a late payment for my XXXX mortgage. That was caused by them. 
XXXX XXXX - I was informed that the credit change has now disqualified me from my ability to be approved. The apologized and told me that there is nothing they can do. 

Summary of the Situation : The process of a simple refinance took over 4 months and due to the negligence of the loan officer, XXXX XXXX, my mortgage payment was late for the XXXX time ever. Even worse they then declined me for something that they caused. It was the most frustrating experience I have ever gone through. I also have never had a late payment of my credit report and now because of this I get unfairly penalized. 
Upon getting the notification of now being declined, I immediately paid my XXXX payment and also the XXXX payment as well as re-setup the auto payments for my account. Please feel free to look at my credit report and mortgage account to verify this. I also have saved every email from XXXX XXXX to verify their mistakes.
Product: Debt collection

On XX/XX/year>, around XXXX, I received a text from XXXX ( XXXX ) XXXX. Text said This message is from Glass Mountain Capital LLC. Our call back number is XXXX. For more information please click https : //www.glassmountaincapital.com/pay-my-bill.html. They have contacted me multiple times with the same message on XX/XX/XXXX and XX/XX/XXXX, I have no known debts and my credit report reflects the same. As of today, Glass Mountain Capital LLC has not provided a mailed letter providing proof of a debt and may be in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Dates : XX/XX/XXXX, XX/XX/XXXX ( Listed as a Late payment ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ( Listed as late payments ) Spoke with someone to process a hardship during the times. Late payments were still reported. Which was a violation Under the FCRA of USC 1666B.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX after I turned XXXX, I discovered that someone has been using my identity to create accounts and I have collections and inquiries on my reports. I have reached out to all 3 companies and provided all of the documentation that they requested and it has been over 30 days and they have not removed any of the information. There was however a security lock placed on my account asking to call a number first before extending credit and the number is not mine so whoever stole my identity is still using it. I need these credit companies to clear my record and stop reporting false information.

They have done nothing but help the actual fraudster yet I've submitted my social security car, my birth certificate, my police reports, pieces of mail, and my ID. I do not know what to do and they are of no help to me and I do not want to start my life in the hole because companies decide to report on me w/o verifying anything. There's a XXXX  XXXX  account and 3 car collections and 33 inquiries, I wasnt old enough to do any of this. 

I need this remedied immediately. What can I do? Can I sue the credit companies?
Product: Vehicle loan or lease

XXXX XXXX XX/XX/year> TO WHOM IT MAY CONCERN, Thank you for taking the time to listen to my situation with the company that I feel was dishonest and unethical. 
I had put in a online application for a vehicle that was being sold at XXXX Main Motors in XXXX Ohio, They told me I needed a co-signer and {$3000.00} down payment in which I had no problem doing my mother was going to co-sign but I was told she couldn't do it because she lived in Florida. So the salesman knew my boyfriend so he says he can co-sign for me and I was okay with that, My mother put {$2.00} of the down payment on her credit card and I was paying the remaining balance in agreed payment plan and so I did, Well it's time to get tags because my 45 day temporary tag expired is when I find out they registered the vehicle in my boyfriends name, ( XXXX XXXX XXXX and now I'm at his mercy, he wouldn't get the tags until I agreed to the rules he had sat forth for me, he then began taking tires off so I could n't drive it and when I decided I was going leave the relationship and go to Florida to visit my ma because we just did lose my brother to XXXX well without my knowledge they had a tracker on the car and the dealership was telling XXXX my location and every move I made. So now I'm stuck without a vehicle unless I do as I'm told, lost a job because of the nonsense and the dealership is reporting it to credit bureau and I'm unable to purchase another vehicle, I feel like the dealership owes me back my down payment and all the payments I have made toward this vehicle because what they did was dishonest and unethical and my mother not I would have never paid a down payment for a vehicle to be registered to XXXX XXXX. I've done contacted the dealership and they're not willing to do anything about it every time I turn around the reports the payment is late cuz he is paying the payment late and I'm unable to do anything like visit my family unless I have permission from XXXX XXXX XXXX the car. 
XXXX has even went as far as filing police reports saying that I stole the vehicle when I have it and I'm not doing as I'm told to bring it back because I'm having lunch with my child or I'm doing something with my family he has filed these police reports with XXXX Police department. I just think North main XXXX needs to do what's right and refund all my money so I can go get me a vehicle and my name like this one was supposed to be.
Product: Credit reporting or other personal consumer reports

There are 240 plus inquiries within my Experian consumer report from XXXX XXXX, when XXXX XXXX does not pull from the Experian consumer reporting agency. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX - XXXX - {$1100.00}
Product: Debt collection

A collection was placed on my XXXX, XXXX and XXXX credit reports by a collection agency called Consumer Adjustment Company with an address listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX that states that they purchased a debt that I owe to XXXX in the amount of {$260.00}. Supposedly this loan was initiated on XX/XX/year>. I have never opened an account or borrowed money from XXXX. I have disputed this collection with all three credit bureaus as well as filed a complaint with the XXXX  against both XXXX and Consumer Adjustment Company. I have received XXXX communication from either party regarding this alleged debt and would not have been aware of the fraudulent collection had I not checked my credit reports.
Product: Credit reporting

XXXX account is being reported as 1st date of delinquency as XXXX 2015. The account was paid in full well before that date so how can the 1st date of delinquency be XXXX 2015. please have them delete the whole XXXX account /file from the report.
Product: Student loan

My XXXX XXXX  student loans are currently on the XXXX plan, which has been suspended as of XX/XX/year>. From XXXX XXXX XXXX  I was on administrative forbearance with no accruing interest ( 0 % ). On XX/XX/year>, I received a letter in their electronic system that I would be placed a different type of administrative forbearance for no more than XXXX  days, this time with accruing interest. My loans still said interest was at 0 %. However, the amount of my loans kept increasing. I was confused by this I called MOHELA for guidance. I called several times over the next month, sometimes waiting on hold for XXXXXXXX XXXX and sometimes requesting a callback, but had no success reaching a representative. Finally in early XXXX, I waited on hold for XXXX XXXX  and reached a customer service representative who told me that this is a common error with the XXXX plan since the court ordered suspension in XX/XX/year>. He assured me that the interest rate was still at 0 % and that I received the letter by mistake. He said that the accruing interest would disappear from the system eventually. I asked him for a detailed ledger of my loan history, including any interest accrual, and he assured me that he would request this ( est. time XXXX days ) and get it sent out ASAP. I never received this information. Today in the MOHELA portal, my loans now show a interest rate of 6.6 % and have continued to accrue interest, well beyond the XXXX day accrual period originally provided in the letter which I was assured was a glitch/mistake. I have not received any additional letters or guidance from MOHELA and have not been able to reach a MOHELA representative again. The horrible customer service, lack of consistent and reliable information, and undocumented accrual of interest is a huge stress. I followed the XXXX customer representative 's advice and trusted his word, and now I feel like I'm being seriously screwed over. Please help.
Product: Credit reporting or other personal consumer reports

To my shock, I found inaccurate accounts on my credit report this morning, and XXXX completely baffled as to why. I routinely check my report, but today, out of nowhere, there were discrepancies. I tried refreshing the browser, thinking it might be a glitch, but it didnt helpthe false accounts stayed. I need these documents reviewed thoroughly so I dont have to deal with this kind of stress again.