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

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2021 Made full XXXX $ + payment and instantly was charged and still owed this continued for the last year every payment was early and over the minimum on the statement it indicates I made the payment but the charges are still applied Now there is a platinum card in my name after I received a copy of this card I placed a XXXX $ payment and put a hold I. Both cards
Product: Payday loan

I did n't receive a loan from these people who have now escalated this to a litigation firm ARA. This company has " process '' servers calling me up to XXXX times a day stating I better contact this number to ARA otherwise they will press criminal charges against me for fraudulent checks!
Product: Credit reporting or other personal consumer reports

XXXX XXXX doesn't have a signed contract and no identification XXXX XXXX XXXX XXXX has been reporting false information on my credit report. The account associated with XXXX XXXXXXXX is a fraudulent account and has been closed for several months. Some how XXXX XXXX is still adding monthly late payments to my credit History as if the account is open and active when the account has been closed for several months. This is a violation and should not be allowed.
Product: Debt collection

Fraud. Pursuant to 18 USC 8, the US is responsible for all debts ; past, future and present.

All information is in the affidivait attached.
Product: Debt collection

I received a voicemail at XXXX on XX/XX/2018. The phone call was in reference to my husband debt. The voicemail never mentioned me, but the representative stated every address related to him and his parents address and birthdate. They threatened to serve him legal papers at his place of employment and that further actions are being taken. I took down the number they left on my voicemail and returned a call to let them know about the matter of someone leaving a voicemail with people personal information and the representative was very matter of fact. I then asked her why was i receiving calls in relation to my husband 's accounts and she then stated " because you're his wife. '' I then informed her that no one contacted me to get permission for him to even use me as an reference. The representative then stated they didn't have to because i was his wife. I'm assuming this debt was before we got married because he and i pay our bills together now. I then informed her i didn't appreciate the voicemail that was left with people personal information included. I asked the representative was this phone call being recorded and she stated yes. I wanted it to be recorded, but she never once informed me. I then told her i no longer wanted to be contacted and she stated that i had to be contacted and i couldn't be placed on the do not call list. I feel as though my privacy as well as my husband 's and his parents privacy has been violated in every way. I even asked the representative about the privacy law and that's when she started yelling at me stating that i was just defending my husband. I then ended the call because i didn't have to be talked to like i was an animal. I have saved the voicemail if needing to be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I previously sent ( XX/XX/XXXX ) to Equifax, my FTC Identity Theft Report Criminal Complaint # ( XXXX ), my identity information Social Security Number, and specific information regarding identity theft that has happened. In return I received mail XX/XX/XXXX that stated I had not done so. I will attach the mail I received below. I will also attach all documents below once again. This is my second time submitting through CFPB and XXXX time submitting a FTC report to this Equifax. I never stayed on XXXX XXXX XXXX XXXX, I previously stayed on XXXX XXXX XXXX XXXX XXXX as shown on my driver 's License.
Product: Credit card or prepaid card

I have five visa debit gift cards that I am trying to find balances of and I am unable to do so at the website found on the card : XXXX  Each time I enter the card number, it indicates " One or more field values entered are incorrect. Please try again or call XXXX for assistance. '' This is happening for all five debit gift cards, to which I have called the phone number and the automated voice tells me that there is a problem and to try again at another time and disconnects. I am unable to talk to a customer representative and I am unable to find out the balances on the cards. Furthermore, a {$2.00} inactivity fee is deducted from the balance of the card after 12 consecutive months of inactivity. The name of the issuer : U.S. Bank National Association.
Product: Credit reporting or other personal consumer reports

This late payment isnt in line with my regular payment record. Please delete it and update my account quickly.
Product: Debt collection

I contacted emerald Ar Systems inc around  XXXX  regarding the balance of  XXXX . I asked them to negotiate this amount based on a affordable settlement offer. This collection agency failed to renotify me of this debt and also failed to come up with a settlement offer based on the fact i do have a pre existing condition that needs further treatment for the rest of my life based on a accident i had back in the year of  XXXX . No one contacted me by mail or by phone regarding this account. I did my part by contacting them and trying to negotiate this matter so it was affordable and paid in full.
Product: Debt collection

I am reaching out to you to see if I can finally resolve this matter with this stubborn company. I have written them serveral times requesting validation of this derogatory closed account that continues to stain my credit worthiness. 
Repeatedly they have written me telling me that they SOLD the account to XXXX XXXX XXXX. They are not the ones reporting this on my credit ; CCB/XXXX is. 

They did not send me medical records proving that I owe this debt, nor did they show me what right they had to sell my information to a third party without my consent. Now I have this credit collector attempting to collect on a debt I do not owe them thanks to CCB/XXXX violating my HIPPA and PHI rights. 

Prove that I signed a HIPPA or PHI release allowing you to sell my private medical information to a third party without my consent. I am beyond LIVID at this point and I am trying to be amicable for the last time before I turn all this evidence over to my lawyer and have our day in court in my state and I will sue you for up to {$10000.00} or the maximum amount that my state allows according to FCRA and the OCR. You are well aware how serious HIPPA violations are. 
Do theright thing and DELETE this account from my credit reporting with XXXX, XXXX and XXXX. As you can also see from the attachment, the information that was reported was completely inaccurate and false. Prove your rights or I will see you in court and you will lose more than what you are claiming that I owe you. This is my final attempt to get you to delete this closed account from my account. You are the one who put it there, you take it off. Take this matter very seriously.
Product: Debt collection

I had an auto loan with this XXXX XXXX XXXX in XXXX, and I returned the vehicle in XXXX they filed an XXXX with the IRS and it shows in my XXXX tax w2 transcripts. Since they have filed that XXXX I am no longer responsible for this debt. It shows that I owe {$17000.00}, but when I called them they stated I owed {$10000.00} and that they have already resold the car. So that means they have resold the car, filed it as a loss with the IRS, but are still pursuing me for debt. They've dinged my credit report every month since XXXX causing my credit to be damaged. When I called them to tell them what the IRS told me the first representative hung up, and I had to call back. The second representative told me that all he could do was file a complaint with the complaint department and it could take them a week to respond to me. I'm closing on a home in a few days and this is so unprofessional, illegal, and unfair. That is tax evasion! They have harassed me for year about this debt and have been reporting incorrectly!
Product: Mortgage

I filed bankruptcy in XX/XX/XXXXwhich was discharged in XXXX, in the bankruptcy I surrendered rental property which is still on my credit report I have spoken with Huntington and they are unwilling to work with me, I am trying to refinance my home and these things are still on my credit report can you please help me Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX, XXXX, and Equifax to verify the accuracy of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they did not correct the errors and claimed that everything was complete and accurate. This is not possible because the open date, date of the last activity, and other information are incorrect. According to 15 USC 1681i ( 5 ), they are required to modify accounts that are not reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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.

Also, they are not following the Metro 2 credit reporting standards. I have evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I made a payment of {$590.00} on XX/XX/year>, but it was returned because I sold my vehicle on XX/XX/year>. The full balance of {$20000.00} was paid off shortly after. Toyota Financial Services is stating that they did not receive the final payoff check until XX/XX/year>, and as a result, they are marking me as 30 days late on my credit report and have not reported that the Vehichle is paid in full when they already have received payment amount in full. 

However, this is inaccurate because : 1. I no longer had possession of the vehicle after XX/XX/year>. 
XXXX. The delay in processing the final payment was on Toyotas end, not mine.

3. I acted in good faith to ensure my loan was paid off in full.

Despite contacting Toyota Financial Services, they refuse to remove the incorrect late payment. This has negatively impacted my credit score, and I am requesting that the CFPB investigate and have Toyota correct the reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage incorrectly listed my convictions/arresting charges on the background check report. I contacted them on XX/XX/XXXX to let them know the information was listed incorrectly and need to be fixed. First Advantage also, listed my pending charges incorrectly in XXXX of XXXX. I contacted them in XXXX and First Advantage never fixed the issue. I spoke with the courthouse and the judge who sentenced me and the convictions/arresting charges doesnt match what First Advantage is reporting .
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I transferred {$50.00} via Venmo to obtain the facial services. However, the merchant provided the fake address. I chat Venmo to assist me to dispute the transaction. Venmo had me to contact my financial institution XXXX XXXX XXXX. On XX/XX/2023, XXXX XXXX XXXX gave me temporary credit {$50.00} while they were investigating the transaction. On XX/XX/2023, XXXX XXXX XXXX reversed the {$50.00} and I called XXXX XXXX XXXX that this was a fraud transaction because the merchant gave me a fake service address. XXXX XXXX XXXX said that XXXX doesnt offer assistance for Venmo transactions. On the other hand, Venmo told me that for transaction $ dispute, I should contact my financial institution. Thereforethis brought me to file the complaint via CFPB.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Mortgage

I applied in XX/XX/2019 to refinance a private mortgage I had with AnnieMac, after months of processing the loan they told me that I had to close as a purchase loan and not a refinance even though the mortgage was recorded. At the subsequent closing they finally did it as a refinance and I had a subsequent 3 day rescission period. 

At the closing I was never given copies of any of the closing documents and spent several months trying to get AnnieMac and/or the title company to send me a copy to no avail. To this day I still do not have a copy of my HUD 1 settlement statement after several requests to the title company they made me use and requests to AnniMac. 

Subsequently, I never received a first payment letter or any information regarding a payment due date, I tried to make a payment online with them, AnnieMac, in XX/XX/2019 after several phone calls to their origination office and subsequently their servicing center without any assistance from them at all. I was repeatedly told by AnnieMac that I would receive instructions in the mail. I then stopped payment on the XX/XX/2019 payment I made because I had no information and wanted to make certain my payment went to the correct place. 

Subsequently I finally did have contact from them, AnnieMac when they sent someone to my home to serve me with a default notice and intent to foreclose. Three days after their agent showed up at my house I received a copy of my closing docs from them without a HUD 1 settlement statement which as of today I still do not have.

I do not want to lose my home, I have been here for over 6 years with a monthly payment very similar to what my payment is now with AnnieMac. I have never missed a payment until this fiasco with AnnieMac. They have destroyed my credit and every time I try to talk with them I get different answers and they are trying to push me into a forbearance agreement or deed in lieu of foreclosure. While I do not intend to stay here forever I certainly do not want to leave now. In addition they have now destroyed my credit and I do not know what to do. Is this a situation where I need to hire a lawyer and spend thousands of dollars to save my home just because I had the misfortune of doing a mortgage loan with such an unscrupulous lender? 

I'm in a situation where I need to purchase a car and because of this situation that will be impossible or at the very least triple what it should cost. 

At no point in the entire situation have they made any attempt to make this right and they have repeatedly, and I would say knowingly, violated almost every aspect of RESPA and have XXXX regard for me as a customer and homeowner. 

I have not contacted the FHA directly as of yet, however, it is my intention to do so if we can not get this resolved immediately.
Product: Debt collection

This company initial calls from the XXXX provided w/ DCI on Caller ID. This is Diversified Consultants attempted to collect a small amount of about XXXX. They have repeatedly called and continue to harass by calling from other phone numbers mostly XXXX area code. This company has once informed of the nature of the debt but does not note such on my personal credit reportings. The nature of the debt is fraudulent as know money was agreed owed by the apt complex in which I believe this debt relates. Such is the case a full 13mo lease was paid and extended on a month to month basis until a written and agreed move out date was filed with the apt complex. Assuming this is in fact what they attempt to collect ... the amount is fraudulent and not owed. 

This company ( Diversified Consultants ) has managed to reduce my XXXX Credit score many time with the last report resulting in a 16pt decrease following last discussion. 

I have blocked the XXXX number the company continues to harass calling from varied numbers as suggested.
Product: Credit reporting or other personal consumer reports

I sent letters to Experian requesting that they remove 4 collections from my Credit Report due to the accounts reporting inaccurately. I also sent letters to the Debt Collection Agencies that are reporting the inaccurate accounts. The Debt Collection accounts that I'm referring to are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were no changes or updates made to my Credit Report regarding these accounts. The Debt Collection Companies listed about did not satisfy the Consumer Credit Laws stated in the letters that I sent to the said companies.
Product: Credit reporting or other personal consumer reports

USAA XXXX XXXX XXXX as well as XXXX XXXX loan are all reporting as late payments each month even though accounts are charged off. 

This is resulting in credit to report most recent missed payments as XXXX  months ago. 

This is factually incorrect and a violation of FCRA
Product: Credit reporting

I did write to the credit bureaus, but have n't received a reply. I have been paying all my bills on time for years now, and have paid off several credit cards completely, but my credit score is not going up. I was recently denied a credit card from my bank, XXXX even though I was granted a big increase on my local bank 's XXXX credit card, based on my credit. XXXX has been difficult to deal with, even though I have a good payment history and decent income. Am wondering what 's going on. I am a XXXX XXXX veteran and receive a good amount to survive on, and my wife has a good steady income XXXX for eight years. My score ought to be above XXXX by this time. Also, XX/XX/2015, I applied for a loan to purchase an R/V at a Texas R/V sales location, and the salesman sent my application to a dozen banks, without telling me. This hurt my score, as well. Can I do anything about that? My Social Security Number is : ***********. My phone is : XXXX. My scanner is not working, but I can mail verification of my veterans status, discharge paper, and recent letter from an inquiry into my credit scores. XXXX has been unfair in their denying me, while a local bank in my city, has approved a credit card with a high credit limit, based on my credit history.