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

On XX/XX/2019 I filed a dispute with my debit card company against an unauthorized charge for XXXX from Experian. The charge was reversed and the company was blocked. I recently filled out an application for a new rental and they requested a background and credit check. Experian then charged my debit card again for another XXXX without permission. 

The issue is that in credit card protections, I listed all my debit and credit cards for protection and they are being illegally charged without my permission. I have had to keep my cards maxed out and had one card replaced in fear of constant credit dispute. 

I have blocked this company and cancelled the service. Yet they persist in billing.
Product: Vehicle loan or lease

I paid off my vehicle in XXXX and still have not received a title or lien release. I asked multiple times via phone call and email, each time of which they have said they sent it out. They 100 % have my correct address. I am at my wits end with this company.
Product: Debt collection

I have been called Multiple times a day by credit management company. I called the hospital to verify that there was no debt on my account and they confirmed that I notify the debt collector that the hospital verified. I had no debt and they argued with me saying that they are wrong and that I still had a debt of {$310.00}, but they also did this before I verified who I was so they were just gon na give my information to whoever was on the phone. Today I got called XXXX times total and XXXX weeks ago when they called the first time I told them to send it via postal mail and they tried to get my email information and refused to send it via mail, I have yet to receive anything and they keep calling me, even though I asked him to please stop contacting me as I have no debt to be collected
Product: Credit reporting

I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT -STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).
Product: Mortgage

I had a mortgage with PHH Mortgage. This loan was in my name and my ex husband 's name. During our divorce the title was signed over to me, but his name remained on the loan because the house was underwater and I could not get his name removed or refinance the loan. There was an impounds account for the taxes and insurance. When the home sold, there was a balance of {$6000.00} owed to me from this impounds account. I received a check for this amount made out to my ex husband and myself. I was unable to cash this check as it is a two party check and we do not share a bank account anymore. I called PHH and was told that I would receive a check made out in my name only as PHH had a copy of the divorce decree and the transfer of title signed by my ex when he signed the house over to me. 

I never received this check and called again. Once again I was told that they had the information they needed to issue a check in my name only. Another month went by and I called PHH again. I was told I need to get my ex husband to write a letter to them releasing the funds to me and he has to have it notarized. I have never received any communication from PHH on this matter at all. They have had my money for over 3 months now. The home sold in XXXX and I am being told that they will research it and get back to me. Because of the holiday it will be another couple of weeks before they said they will call me back. I was not even given the address to send in a letter to. This is not a priority for my ex husband and we do not have a good relationship, I do not know if I will be able to get him to write a letter and get it notarized. He shouldn't have to do that anyway. There are legal documents showing that the home was signed over to me in the divorce. PHH has all of these documents on file. They even have documentation showing that my ex was very difficult when I was trying to work out a loan modification a few years ago. 

I fail to see how a notarized letter from my ex would supersede court documents showing that the home was titled to me. The title company did not have an issue with the court documents and I received the proceeds from the sale with no issue. PHH has been holding my money and made no attempt to contact me or my ex in regards to these funds at all.
Product: Credit reporting or other personal consumer reports

PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
they must give ME an opt out THEY NEVER DID XXXX XXXX XXXX XXXX Other XXXX XXXX Personal Loans {$3100.00} XXXX XXXX Other {$310.00} SELF XXXX XXXX / XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX Auto Loans {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX I filed a complaint stating that Equifax sent a letter stating my identification information will not bring up a credit file etc. After the complaint Equifax states to you that my file was being worked on XX/XX/XXXX. Which cant be true if Im receiving another letter now in XX/XX/XXXX. At this point the FCRA states they have 30-45 days to respond that Time has now elapsed. Equifax is not trying to look into my issue. The same four documents I provided XXXX  XXXX XXXX  with no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX & XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX Balance {$510.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  T Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Blocking and Removal of Fraudulent Information Due to Identity Theft Dear Bureaus, I would like to express my deep displeasure regarding the situation at hand. I appreciate your attention to this matter. I trust this correspondence reaches you in good health. I am reaching out to formally contest the inaccurate information that has been identified on my credit report. Regrettably, I have been affected by the Equifax data breach, resulting in my identity being compromised. I have taken the necessary steps by contacting the Federal Trade Commission ( FTC ) and submitting an official report of identity theft, a copy of which is enclosed for your perusal. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX  XXXX Per **15 U.S.C. 1681c-2 ( c ) ( a ) **, credit reporting agencies are required to block and remove any information identified as fraudulent within **four business days** of receiving a complaint regarding identity theft. Therefore, I am requesting the immediate blocking and removal of all information related to the fraudulent activity on my credit report. 

Specifically, this includes all accounts, inquiries, and other records resulting from the identity theft detailed in the enclosed FTC report. Upon completing this request, I expect to receive an updated credit report reflecting these corrections. 


XXXX XXXX XXXX XXXX - identity theft, please delete XXXX XXXX XXXX XXXXXXXX - Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the fie accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX  XXXX XXXX Identity theft please delete Its a totally different account number on XXXX which is note accurate across all bureaus the account # on XXXX is XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX - Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the fie accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX identity theft, please delete XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX  XXXX  Collection Agencies XX/XX/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

This marks my initial attempt to communicate that I've fallen prey to identity theft. I raise concerns and seek clarification regarding certain entries in my documentation stemming from this criminal act. The entries in question bear no relation to any legitimate transactions or approvals made by me, involving goods, services, or financial transactions. Should there be indifference to my plight, I request the removal of any data in my credit record associated with suspected fraudulent or extortionate activities.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

i am going to waste my time once more to ask for help against Chase credit card company. I had to close my excellent open account with XXXX balance that I had for many years, because chase would not allow me to protect myself from fraud by locking acct. So I asked to close acct., now I try to get updated credit bureau report from XXXX , but my chase card is no where to be reported, it was there in XX/XX/XXXX. I call XXXX they say there is no record of it and I need to call chase to get it reported. I call chase, get transferred to XXXX, who tells me, IT IS MY FAULT THE CREDIT BUREAU REPORT WAS REMOVED, BECAUSE I FILED WITH CFPB AND SHE IS SORRY BUT THERE IS NOTHING SHE CAN DO TO GET IT REPORTED TO XXXX. THIS IS EVIL! JUST BECAUSE I TRY TO REPORT WHAT THIS EVIL CO. DID TO ME, THEY HAVE THE RIGHT TO NOT REPORT MY EXCELLENT CREDIT HISTORY? IF I NEVER PAID MY DEBTS, IT WOULD BE REPORTED AROUND THE WORLD, BUT SINCE I WAS NEVER LATE & PAID OFF THOUSANDS OF , THAT SHOWS EXCELLENT LOYALTY & INTEGRITY. THE LAST SMALL BIT I HAVE LEFT. THESE COWARDS HAVE THE POWER TO COMPLETELY ERASE IT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, FL, XXXX XX/XX/year> EXPERIAN Experian XXXX XXXX XXXX XXXX, TX, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information. 
The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter. 
If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I the consumer have contacted AVANT multiple times asking for the required documentation validating their claim. AVANT has sent back on only two occasions one with an identity theft report and one with a TILA Installment constract. The installment contract is what was created without full disclosure and constitutes AVANT as being being harmful and dishonest and horrible business practices. I have four different Certified Letters that have been sent and returned by USPS as no one is available to accept the letters. They are both valid addresses and directed to mail return mail to the address. I will attach the copies of the returned mail. It is absurd for a business gaslighting consumers everyday to be able to choose not to accept mail. If in fact it was legit there would be no problem
Product: Mortgage

Well in XXXX I filed chapter XXXX bankruptcy I believe my first payment started XXXX of XXXX and a correspondence I got from wells Fargo its stated that I was past due in XXXX all the way back from XXXX I ask Wells Fargo what happened to the {$1800.00} a month I paid to my chapter XXXX for almost 2 years considering they were my only creditor on my chapter XXXX they responded their documentation is correct so I requested payment history from the XXXX County Court Clerk 's Office and regards to payments made to Wells Fargo on my behalf I 've been went to XXXX which is a service provider for Wells Fargo and printed out payment history from XXXX of XXXX until current date which is XXXX XXXX XXXX when I entered in XXXX of XXXX XXXX XXXX the only payment they have recorded started in XXXX XXXX of XXXX although my bankruptcy payments started XXXX of XXXX so I added up each month from XXXX XXXX and in XXXX of XXXX the court sent Wells Fargo {$2600.00} and then in XXXX they sent them {$1300.00} then in XXXX they sent them {$870.00} and in XXXX {$380.00} XXXX XXXX {$3.00} and in XXXX {$1000.00} and in XXXX {$770.00} and then starting in XXXX in XXXX XXXX the courts sent them {$1500.00} and in XXXX {$1100.00} and then in XXXX {$1100.00} and in XXXX {$1100.00} and then in XXXX {$740.00} and then {$740.00} and then another payment came in XXXX of XXXX and it was only for {$7.00} so not only are several of the payments from XXXX not being reflected on my mortgage loan but all of XXXX payments are not being reflected on my balance or payments and then which I will provide documentation verifying those amounts from the courts and then payment statements from XXXX who is the service provider of Wells Fargo. Then amount I have paid and that is not reflecting on my pay history is not a small amount it is a very large amount and may be the reason Wells Fargo stated that my loan was due for XXXX payment in XXXX considering they did n't post over a years worth of payments from the courts.
Product: Debt collection

I received a document from a courier yesterday at my home. She did not identify herself or why she was here other than asking for XXXX XXXX, which is me and also my son 's name. She handed me what appears to be a shabbily assembled XXXX XXXX for XXXX XXXX XXXX XXXX, where I can not read the Case Number or Justice of the Peace 's name. Judge/Justice of the Peace through further research is XXXX XXXX and XXXX was on XX/XX/XXXX at XXXX XXXX, supposedly. I write supposedly as there are a few hand written entries and when I look online under File Number : XXXX it lists for XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Arizona for XXXX XXXX of XXXX that notice was given but Sub Type shows Dismissal for Lack of Service. When I looked up Dismissal for XXXX XXXX XXXX, it listed in XXXX that XXXX Case was dismissed, as Defendant was never notified. 

Which is exactly the case, I was never notified of this XXXX Summons on XX/XX/XXXX until XX/XX/XXXX. How am I supposed to respond without being notified of a summons. Also, these documents do not know if I am married or divorced and list a J Doe XXXX? How is this possible that court documents and Lawyer for Barclay Bank Delaware does not take the time to correct their fillings before submitting a Civil Summons on XX/XX/XXXX? What appears to me is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX failed to notify me, as did the XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Arizona for XXXX XXXX of XXXX that there was a Civil Summons that I needed to address. This is required within 90 days and Process Server must tell the defendant that the papers are legal. No such declaration was made and I will attach all documents showing how haphazardly the XXXX Summons was sent to me. XXXX XXXX XXXX XXXX is open from XXXX XXXX XXXX XXXX XXXX  Monday through Friday. Definitely not open at XXXX XXXX as time listed on attached document. What is going on here? Arizona XXXX XXXX needs to be informed of these potentially illegal/fraudulent activities by XXXX XXXX XXXX.
Product: Student loan

AES Student Services suddenly opted me into a payment plan that used excess payments toward future interest instead of paying down principle without my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/year> LAST FOUR OF SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : a personal loan or loans, a credit cards and utility accounts from : XXXX XXXX XXXX | balance $ XXXX Account number XXXX | XXXX XXXX XXXX| account balance {$1100.00} | account number XXXX | XXXX XXXX XXXX | account balance $ XXXX account number XXXX | XXXX XXXX | account balance $ XXXX Account number XXXX | XXXX XXXX XXXX XXXX| Account balance $ XXXX Account number XXXX These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX is an arm of the XXXX XXXX. I took out a {$700.00} loan ( # XXXX ) from XXXX  XXXX XXXX  in the summer of 2018 for medical bills, because my credit score doesn't qualify me for a traditional loan. I was unaware of the triple digit interest rate which is in violation of Minnesota law and that the loan is not licensed in the State of Minnesota. Furthermore, XXXX XXXX  XXXX said their loans are not germane to Minnesota. They issued a loan from a sovereign entity illegally to a resident of a sovereign  state.
Product: Mortgage

Please note, I have reviewed my entire account and payment history to date, and it seems Ditech have overcharged my mortgage account and made several fraudulent adjustments to my account on several occasions ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time Ditech charged me an additional {$2000.00} instead of refunding the original {$2000.00} that was supposed to be credited to my account per the letter from Ditech general counsel. 

After combing through my account several times, the balance owed to me is {$6500.00}. 

Attached are copies of all calculations supporting the balance of {$6500.00} that is owed to me, plus supporting comments of Ditech fraudulent mortgage lender practices.