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

I am a victim of identity theft and I have reported the information to several creditors for more than two years and there have been instances where the banking institutions and merchants have not responded nor refunded my monies before 30 days. I have been denied credit from other merchants and use of services because of the information that they have listed at there companies. There is instances where I have documentation from the individuals and they have not provided me with services.
Product: Mortgage

Greetings, I closed on my home on XX/XX/XXXX. My first mortgage payment was scheduled for XX/XX/XXXX. The mortgage company provided coupons to submit my first payment until my servicer was assigned. 

I wrote a check and sent my first mortgage payment on XX/XX/XXXX. The mortgage company cashed my check ( # XXXX ) in the amount of {$1100.00} on XX/XX/XXXX. 

Upon receiving my first statement, I realized that my payment was not on my 1st months statement. Also, they had the wrong address and documents that belonged to someone else in my servicing portal. I sent an email to the mortgage company and servicer with proof of payment ( photo of cashed check ) from my financial institution. I continue making payments each month for XX/XX/XXXX and XX/XX/XXXX. 

I was under the assumption that the matter was settled. On XX/XX/XXXX, I received a phone call from their collection unit stating that my loan was behind 60+ days. They put my loan in forbearance. I received 2 certified letters and 2 regular letter that my loan was in default. I called the company and spoke to two very mean individuals who would not assist me with resolving the matter. I called a third time and was greeted by a very pleasant representative who explained the they were at fault for losing my first mortgage payment and provided me with an email to submit proof of XX/XX/XXXX payment once again. In order to bring my account current I submitted an additional payment on XX/XX/XXXX. As of XX/XX/XXXX, this matter is still under investigation, and not resolved. 

It is not fair that my mortgage company lost a whole months payment and I am being penalized. My next payment is two weeks away and I have to cough up another mortgage payment. I should not be due to pay them until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. 
I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. For yet another time, My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX XXXX XXXX, Account Number XXXX, Balance {$10000.00}, Date Opened XX/XX/XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX, XXXX XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Product: Credit reporting or other personal consumer reports

I have contacted Transunion several times about security credit services. Transunion is reporting inaccurate information on my credit report and is in violation of the fair reporting act. Transunion has posted two security credit services accounts that displays negative and inaccurate information such as the amounts, spelling of my name, the amount of missed payments, the original creditors information, date of birth, length of account, etc. These accounts need to be verified or removed from my credit report within 30 days based on federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting validation of this account XXXX XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score.

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through XXXX system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equinfax credit report I have Bankruptcy Chapter XXXX listed. Then the Credit card companies are also still listed as Derogatory/Delinquent information on my Credit Report individually. Can these please be removed. 

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

Hello, this debt was forgiven by XXXX XXXX XXXX  but mohela will not remove from my credit report even after notifying them, See attached letter, this debt was legally discharged
Product: Debt collection

Columbia Debt Recovery, a collection agency, consistently reports varying amounts to all three credit bureaus, alleging I owe money to a landlord. Despite my certified letter on XX/XX/2023, demanding validation of the debt under the FDCPA, Columbia has not complied for over 90 days. Their failure to validate and continuous reporting of different amounts to the credit bureaus represent clear violations of the law, impacting the accuracy of my financial profile.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act ( FCRA ) this creditor has violated my rights. under 15USC1681 sec 602 states I have the right to privacy.15USC1681 sec 604A sect 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666 ( b ) ( A ) A creditor may not treat a payment on a credit card account under an open-end consumer credit. 15USC 1681A 2 ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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
Product: Credit reporting or other personal consumer reports

I am writing to point out some mistakes in the report titled in my credit reports. There are several incorrect names and addresses listed that need to be fixed. I am attaching the identity theft report with all the incorrect names and addresses as well. 
Names : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  The Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX
Product: Vehicle loan or lease

I am writing to express my frustration and disappointment with Fifth Third Bank for charging me excessive fees after my car loan term has ended. 

On XX/XX/XXXX, I took out a car loan for {$55000.00}, with an interest rate of 7.24 % for a XXXX term with Fifth Third Bank, for a new XXXX XXXX XXXX. The regular monthly payment was fixed at {$910.00} but usually, I paid {$950.00} on time, never late. I made the first initial payment on XX/XX/XXXX, and just submitted the last payment today XX/XX/XXXX. 

Despite fulfilling all of my payment obligations, I have been hit with unexpected and unreasonable charges of {$3400.00} that have been a significant financial burden. 

Additionally, I have repeatedly requested that Fifth Third Bank release my car title now that the loan has been paid off in full. However, they have refused to do so, causing further stress and inconvenience. 

I expect Fifth Third Bank to rectify this situation immediately by waiving the excessive charges and releasing my car title without any further delay. However, their failure to comply has forced me to report this unethical behavior to your authorities and explore avenues to seek legal action.
Product: Credit reporting or other personal consumer reports

Im reaching out to you because Im at my wits end with Experian and XXXX. Despite providing them with everything under the sunpolice reports, identity theft affidavits, and even proof that XXXX already removed the fraudulent accountthey still refuse to remove this bogus debt from my credit report. 

Heres the situation : I was a victim of identity theft, and someone used my information to purchase a vehicle in Ohio while I was living in XXXX. I have never, and would never, buy a car from another state while residing in a different one. Ive explained this to Experian and XXXX multiple times, and I even backed it up with documentation proving I wasnt living in Ohio at the time. Yet, here we are. 

XXXX, after their investigation, immediately recognized this account as fraudulent and removed it from my credit report. But for some reason, Experian and XXXX are dragging their feet. To make matters worse, I just received a collection letter from a third-party agency trying to collect {$28000.00} on behalf of XXXX XXXX XXXX for this same fraudulent debt. This is crushing my credit, and I cant use my credit for anything because of it. 

Im particularly frustrated because of the recent response I received from Experian. They told me to check my credit report for the results of my dispute. The problem is, Im not convinced theyve done any real investigation on their end. It feels like theyre just brushing me off, which is why Im turning to you.

Theres also something I want to bring to your attention. In XXXX XXXX Experian XXXX XXXX XXXX XXXX, the court made it clear that if one credit bureau removes inaccurate information after a proper investigation, the others must follow suit. So, why are Experian and XXXX still reporting this fraudulent account when XXXX has already removed it? It doesnt make sense, and its completely unfair. 

I hope you can help me get this resolved. Ive been through enough with this identity theft mess, and its about time these credit bureaus did the right thing. This is about more than just my credit score ; its about getting my life back on track without this unjust burden hanging over me. 

Thank you for your time and attention to this matter. I look forward to your response and hope this complaint brings some much-needed resolution.
Product: Credit reporting

I did n't give them authorization to run my credit on XXXX XXXX 2015 I sent them numerous letters and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I sent in a dispute into Experian at the address of record ; XXXX. XXXX XXXX, XXXX, TX XXXX. 
The tracking number for this dispute is : XXXX. 
The letter was received on XX/XX/XXXX at XXXX and was signed by XXXX XXXX According to the F.C.R.A. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Experian has 30 days respond to the dispute beginning on the day the letter is received. On XX/XX/XXXX I received a response from Experian, dated XX/XX/XXXX, that only addressed two of the eight accounts mentioned in my dispute. It should be mentioned, that 30 days from the date my letter was received would warrant a response on XX/XX/XXXX. I called into Experian customer service number yesterday on XX/XX/XXXX and spoke with XXXX XXXX during this call Experian confirmed that my letter was indeed received, however XXXX claimed that only 2 accounts were disputed in my letter, which is a complete fallacy. The letter portion of my dispute included 4 pages. The items addressed in Experians response are listed on the bottom portion of the second page of my dispute. The notion that the initial page of my dispute was not received is far-fetched, at best. It is also illogical that the two items listed on the top of the second page were not received is also physically impossible as the items Experian choose to address are at the bottom of this very same page. It is completely unfair that Experian has decided to pick and choose what parts of my request were in dispute. Experian is willfully choosing to violate the law at the expense of consumers and should be held accountable for their actions. 

The letter that was sent was itemized. There were 8 accounts in this dispute ; XXXX XXXX XXXX XXXX not addressed and should be removed US Department of Education ( 4 accounts ) not addressed and should be removed XXXX XXXX XXXX XXXX not addressed and should be removed XXXX XXXX XXXX XXXX - verified, but response exceeds 30 allotment and the three 30 days late payments should be removed XXXX XXXX XXXX - verified, but response exceeds 30 allotment and should be removed
Product: Credit card

In XX/XX/2024 I went to take XXXX cars to a XXXX dealership, I made a downpayment of XXXX XXXX XXXX  plus a car, it turns out that they accept the money, they give us the cars but at no time did they tell us that they would give us a XXXX card that is only good for accessories and they are using it to complete the credits, which is fraud and illegal, said card arrives at my house with an amount of XXXX that I supposedly authorized when it was not like that, at no time did they inform me about this, they made us sign the contract for the cars and we signed everything but they took this from us without consent, it is a lack of respect, a deception towards the consumer, now I am making the dispute with them with the bank and that it was not me when it is not like that, I would like them to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not removed numerous credit inquiries on my report despite my notifying them of identity theft. The following are Unknown, Unauthorized and Unrecognized XXXX that EXPERIAN has continued to falsely and inaccurately report. 
These are Unknown, Unauthorized and Unrecognized by me and must be deleted by EXPERIAN. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a closed acct with a XXXX $ balance you cant collect on a XXXX balance also this account has been sold or transferred ... Iam also a resident of Florida per Florida statue of limitations you can not collect on a debt over 4 yrs old!!!! Please delete off my XXXX and Experian credit report!!!!
Product: Credit card or prepaid card

After receiving a checking account packet and credit card in my mail on XX/XX/2021, I immediately contacted the bank where these items were from and explained that a fraudulent account was opened using my personal information. After speaking with three persons and spending an exuberant amount of time on the phone, I received no confirmation the account was actually cancelled. I asked for a confirmation number and was told they didnt have one to give me. I asked about sending a confirmation to my email and was told I wouldnt receive that either. I explained that other forms of fraudulent activity were taking place against me and that someone has already tried to file a fraudulent unemployment claim with my employer. I stressed that I need some confirmation the accounts have been cancelled and was told that they would send it to their XXXX XXXX XXXX XXXX department but I probably would not hear from anyone! I have not been a XXXX XXXX in over 7 years! The number they claim they tried to contact me at is not mine!
Product: Mortgage

I am writing due to the continual harassing actions forged against me that have only become worse after my last attempt for assistance from CFPB in this gross and premeditated matter against me.   I have always paid on or before the  XXXX  of the month as my payment history shows and am writing you on  XXXX / XXXX /  XXXX  . I always pay over the requested {$930.00}, paying {$1000.00}. each month. With that said, and because I have already written CFPB of the unwarranted harassment directed toward me, I have now received a Notice of Default letter.   First, I am not 30 days late for  XXXX  's payment. In the Notice of  Default letter, Ditech  has added the month of  XXXX  's payment.  Second, Ditech  sent the letter which includes that I have several   hundred " over paid '' dollars on my account that are listed as " unapplied funds ''.
So I have an over payment that is sitting in " unapplied funds '' of several hundred   dollars AND a Default notice for a payment that is not 30 days late ... PLUS the next month 's payment that is not due til the  XXXX  of  XXXX , next month? To add insult to injury I consistently receive monthly bills that are " ballooned '' to reflect 2 and 3 months at a time therefore the monthly statements do not equal the harassing letters sent.   Finally, I know when I pay this amount off, I feel I have no choice, .... next month, the same harassment, the same demanding letters, the same threats to pay unwarranted monies will continue ...  XXXX  as they threaten to attempt to take my home.   All this and I have consistently paid Ditech not just the monthly {$930.00} but {$1000.00}. each month ... .consistently.
Product: Credit reporting

XXXX XXXX XXXX set up a XXXX account under my social security number but wrong name my name is XXXX XXXX XXXX not XXXX j XXXX
Product: Credit reporting or other personal consumer reports

In early XXXX, I was affected by a natural disaster, which severely impacted my financial situation and my ability to maintain regular payments. Upon contacting Chase in XX/XX/XXXX, I was informed that I qualified for the natural disaster relief program and that my payments would not be reported as late due to this hardship. I followed all necessary steps and provided the requested information to be placed under this program. 
Despite this, when I reviewed my credit report on XX/XX/XXXX, I discovered that Chase had reported my payments for XXXX, XXXX, XXXX, and XX/XX/XXXX as late across all three major credit bureaus. Additionally, I was charged interest and late fees, even though I was supposed to be covered under the disaster relief program. This reporting is inaccurate and does not align with the terms I was provided.
Product: Bank account or service

I was charged a service fee of XXXX dollars for 4 months before I caught it. Associated bank of Wisconsin raised the minimum checking balance from XXXX to XXXX dollars XX/XX/XXXX. I called Associated Bank and complained. They told me that I received numerous notifications especially to my on line banking mail. I have checked My history and there are no notifications. The total amount of fees collected were XXXX dollars. XXXX dollars for each month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. Associated did credit back XXXX dollars but would not give the full amount back to me.
Product: Debt collection

I have tried to settle this debt on numerous occasions with the company. A list of documentation was requested and not received within 10 days of XXXX, which is the date they received it, and they are in dishonor meaning the have agreed to the terms. 
1. Validation of debt 2. A sworn affidavit of their claim against me. 
3. A copy of the contract signed by both parties 4. A true certified copy of the Original Note 5. A confirmation of the individual who is the duly sworn authorized representative from the company.
Product: Credit reporting

This company keep putting this account on my report I 'm a victim of identity theft they keep putting on and taking if off back and forth I do n't no what to do again given summit all document to them and it was removed from the rest of credit agency.
Product: Debt collection

On XX/XX/2023 XXXX notified me that Convergent Outsourcing flagged my report. This company is a debt collector who stole my identity and have be reporting false and inaccurate information on my consumer report. I have never done any business with this company nor do they have any contract that I have sign with them. I have never given Convergent nor XXXX permission to furnish any false and inaccurate information on my report.
Product: Debt collection

I've been receiving calls from a number of different phone numbers claiming to be from Harris & Harris to try and collect debt. However, they have provided no information to let me know if they are legitimate or who the debt is from. When talking to one of their representatives, they hung up when I asked for any information to validate it was legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the actions made by the Credit Reporting Agencies! This is my 11th CFPB Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00}
Product: Debt collection

Over 12 years ago, I had a checking account with Wachovia Bank. I had several outstanding Payday loans, which became overwhelming. I quickly became overdrawn with the bank and received multiple charges for being overdrawn. It became so bad that I my entire check, which was direct deposited, was getting taken by these charges. I went to the bank and told them my problem and asked to close the account so that I could deal with the loans. The bank refused to close my account and continued to amass fees which totaled over XXXX XXXX XXXX.  I, finally, stopped my check from being deposited to Wachovia. The continued to bill me these charges until the payday loan companies stopped attempting to collect from them. Now, I am being threatened XXXX XXXX XXXX XXXX for {$2200.00} I had talked many times with Wachovia over ten years ago about trying to explain this billing which I felt was excessive and illegal. They took XXXX XXXXXXXX in my total paychecks when my account was open with them. I feel that I have overpaid them already and should have debt collection agency bothering me again.