23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account Name FNB Omaha Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$430.00} I do not owe FNB Omaha- ( account # XXXX ) {$430.00}. I never heard of FNB Omaha. I never did a contract with them. 

Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Their also reporting inaccurate My understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that The data should be reported to the specified definitions in order to process credit information correctly. I am also in the state of North Carolina which the statue of limitations is 3 years. I do not owe FNB Omaha- ( account # XXXX ) {$430.00}
Product: Credit reporting or other personal consumer reports

I got a call sayin I owe a debt Pursuant to 18 USC 8, I owe no debt these companies is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1681A ( 2 ) ( a ) ( i ) late payment 18 USC 1341 Fraud and swindles
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  reported my account delinquent for more than 30 days. I have proof this is not true and I have made payment according with  XXXX   XXXX   XXXX  Account Agreement ( middle section ) They said my account was delinquent on  XXXX , I have provided statements from  XXXX  through  XXXX  explaining payments made and when my Credit Counseling Program started. According with  XXXX   XXXX   XXXX   XXXX  they sent my first payment on  XXXX   XXXX , paying a partial amount of the past due balance for  XXXX  and the rest was sent on  XXXX   XXXX , covering Past Due Balances.  XXXX  Payment was made also by my  Credit Counseling Program a nd sent on  XXXX   XXXX      Note : Credit Counseling Program made all my payments on the  XXXX  of each month,  XXXX   XXXX   XXXX  did n't process this payments after around 6 days later while other banks receive same payment that same day or the day after. Meaning I was never late and I made my payments within 30 days of billing cycle.     Also, I want you to take under consideration I sent my  XXXX  payment on  XXXX   XXXX  and I paid  XXXX  on  XXXX  before the billing cycle had closed. Resulting on, for  XXXX   XXXX   XXXX  NOT applying that payment to  XXXX  and delaying my future billing payments and accessing higher amounts to pay out next billing cycles.
Product: Debt or credit management

File complaint to all three credit bureaus and Midland credit management I have disputed this account with all three bureaus and its been past 30 days and no return service. Ive requested this account be removed from my credit report with all three bureaus since this is not my account identity. Midland Credit has failed to provide my application or contract with my signature on it since Ive never had this account. 

Midland credit management XXXX XXXX XXXX XXXX XXXX, California XXXX NMLS ID : XXXX XXXX
Product: Credit card

On XXXX XXXX, 2015 I contacted XXXX XXXX XXXX XXXX to pay off my vehicle. I paid using a Fifth Third Bank credit card. The total due to pay off my car loan was {$7400.00}. I went ahead with the transaction. This was considered a point of sale purchase. On XXXX/XXXX/2015 when the transaction posted for {$7400.00} to my Fifth Third Bank credit card, i noticed there was a cash advance fee for {$290.00}, I immediately called the bank and of course immediately i get a bunch of runaround. However this was not a cash advance and I will not pay 24.99 % when i already was paying that to XXXX XXXX XXXX prior to paying of the loan. So what did i gain by paying off the loan to get the same interest rate as XXXX XXXX. I contacted XXXX XXXX on XXXX/XXXX/2015 and they advised me that they did not process this card as cash or a cash advance, and that Fifth Third Bank back end processing converted it to a cash advance. I disagree with what has happened and i expect a serious resolution or my next step is to see an attorney.
Product: Credit reporting

I keep disputing the payment history for XXXX XXXX XXXX accounts on my credit report. Every time I dispute they keep saying that the payment history date is right but the date changes everytime I dispute. First it was Collections XXXX, then XXXX XXXX, then XXXX XXXX, now Collections XXXX XXXX. Why does the payment history Collection date keep changing? It is supposed to be collections XXXX. I paid these accounts in XXXX and have letters to prove it. I also included reports from XXXX XXXX showing payment history Collection XXXX XXXX, XXXX XXXX report showing collection XXXX XXXX, and XXXX XXXX report showing collection XXXX XXXX. Fix or I will sue you for reporting false information! And I already called XXXX and they verified what I said and sent me the letters verifying payment in XXXX. They said I would have to fix it through cfpb.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Optimum Outcomes refuses to respond to letters requesting validation for a collection they are reporting on my  XXXX  credit report. They are in violation of both Federal and TX law. Texas law provides that I can request validation at ANY time. I have no idea who they are collecting for and who owns the alleged debt. I have never received any communication from Optimum Outcomes. I only found out about this collection from reviewing my credit report. Optimum Outcomes continues to verify with  XXXX  and they refuse to respond to my letters.   The account number listed on my  XXXX  report is  XXXX . The last  XXXX  numbers have  XXXX  's so the entire account number is not listed. At this point, by their refusal to provide me with ANY documentation, I have no other reason than to believe that this is a bogus debt and an attempt at extortion. They are currently reporting a collection in the amount of  XXXX . I need to know who they are supposedly collecting for so I can advise them of Optimum Outcomes abusive and highly illegal behavior. I will not hesitate to contact an attorney should Optimum Outcomes continue to ignore my requests for validation while continuing to verify with  XXXX . This is extremely unethical and illegal behavior.
Product: Mortgage

I applied with PNC Bank to refinance my mortgage at a 2.1 interest rate. Four months into the application process I asked to terminate the application process because I felt that I was being harassed and discriminated against. 

At the beginning of the application process, I gave Pnc all documents they required to start the application process. They sent out an appraiser to appraise the house who appraised the house for a lessor amount than I felt that the house would appraise for. 

PNC advised me that because my house did not appraise for what I had thought they countered a different offer than the initial 2.1 % and closing cost. Which was a 2.67 % with closing cost. I was told that 20 % of my existing loan should be paid down to reflect that 20 % of what the house was appraised for should be paid for me to be elicitable for the 2.1 % interest rate. 

So, I agreed to the counteroffer of 2.67 with closing cost. PNC then advised me because it was past a certain time frame, they would have to recheck my credit. I agreed to allow PNC to recheck my credit. After they checked my credit, I was given a counteroffer for 2.75 % with a closing of XXXX dollars at closing because I had a XXXXcredit score which was the high score, and the middle and lowest scores was a XXXX and a XXXX. I was advised by PNC that the lower scores had been reported by a 3rd agency factual data. I advised PNC that the lower scores were not accurate. I also advise them that I knew this because if have separate individual accounts with all credit reporting agencies and I can access all accounts to prove that the scores that factual data provided was not accurate. 

At this point I'm extremely frustrated with the process but because of the frustration I agreed to the counteroffer. After I agreed PNC asked me to prove where the money was coming from after I had given them all bank accounts, sign a 4506C so they can check my taxes with the IRS. With all of the frustration that I was feeling at that point I gave them my bank statement and I signed another 4506C so that they can check XXXX, XXXX, XXXX, XXXX and XXXX. After I gave PNC this information they then came back and asked me to send them my bank account information with the URL attached to it or to have a representative from my bank to date, sign and stamp the document by next day. Which would not have been a problem if it wasn't XXXX Friday when they requested the documents. At that point I asked to not move forward because I was being harrowed and discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom debt relief called me in XX/XX/XXXX ( XXXX XXXX ) and sold me a dream on how they were going to consolidate my debt and it would only cost 12 dollars a month. come to find out they have taken over XXXX and only XXXX has gone towards my debt the rest they have kept. and said its they fee. They started taking money from me in XXXX XXXX XXXX and XXXX XXXX dollars a month unit XXXX. for a year. Theses people are scam artist. My credit score was XXXX when i started with them now its XXXX because instead paying the debt they keep them money. SHAME ON THEM.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : 1. XXXXXX/XX/XXXX DELAWARE ( Account # : ... XXXX ) 2. XX/XX/XXXX ( Account # : ... XXXX ) 3. XXXX XXXX XXXX ( Account # : ... XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$7900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Consumer Loan

I was in a chapter XXXX in XX/XX/XXXX and dischaged after XXXX years ; my car was part of this bankruptcy. Since its been discharged, my car was hit by a drnk driver. The insurance company deemed it was a total loss. I have not received my pink slip since this was discharged. The insurance company has been holding on to a {$5000.00} check for my cars damages because I do n't have the pink slip to release to them. I tried getting a replacement pink slip from the DMV, but they say there 's a lein on the car. I was advised to contact XXXX ( dept of banking and insurance thru NJ ) to find out the information from the original creditor ( AmeriCredit ). According to XXXX, the company is still active, but no contact information available, meaning no phone number, but bonded until XX/XX/XXXX. I 'm not sure what the gentleman meant by that, but I need serious help, please. He also specify to file some kind ofclaim n court to get the company to remkve the lein, but I 'm clueless as to what 's going on. How does a company loose a title to a car?
Product: Credit reporting or other personal consumer reports

I have sent several letters asking Transunion to provide proof of these inquiries. I have also given them several calls. Transunions investigation is suppose to be 30 Days, it has been beyond 30 Days. I ask that the inquiries below be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I created a payment plan for my private loan the middle of last year that was suppose to last a year. They stopped taking the money out of my account around the time I filed bankruptcy so I thought it was charged off. My US education loan sent me mail saying I had to start paying them. I checked my account and realized I owed on my private loan also. I called they informed that since it wasnt charged off that I had to repay and I couldnt get my original payment plan back. I explained how I couldnt afford XXXX dollars a month especially having to pay my other loan back. They said there werent any programs that would reduce my payment. If I just pay what I can afford the late fee will still accrue. Is there anyway to get my original payment plan back?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking whether my personal information had been stolen via https : XXXX, I was told that it may have been stolen. This data breach allegedly began in mid-May XXXX, was discovered on XXXX XXXX, XXXX, and was reported in a press release on XXXX XXXX, XXXX. Obviously, there will be an ongoing investigation of whether Equifax was negligent in its management of consumers ' personal information. Meanwhile, I think it is clear that they have failed to follow up appropriately on this event in two important ways : 1 ) It took them 40 days before they released any information about the breach 2 ) When they finally did acknowledge that the breach had occurred, they made no effort to contact potential victims, instead issuing a press release that may or may not be noticed by victims
Product: Credit reporting or other personal consumer reports

I implore you help. On XX/XX/XXXX, I receive 11 notices from XXXX XXXX XXXX  advising me that my Social Security Number was found on the Dark Web. I make it a point to never put my SSN on any websites. Due to the problems, Ive had with TransUnion which required my SSN to insure it was me that created a new account ( which by the way still is not working ) I believe that TransUnion site has been hacked and SSN are being sent to the Dark Web.

I was only attempting to login to Transunion site to insure my account with them was frozen. Again something seems very strange that by providing TransUnion with my SSN its now on the Dark Web. I implore you to due further investigation and advise me as what I can do with this problem.

Im cutting and pasting a copy of XXXX email to me : XXXX, view your Social Security Number alert XXXX, XXXX XXXX detected a match to your Social Security Number.

Alert Found : Social Security Number Potentially Breached Site : XXXX
Product: Student loan

Submitted application for annual renewal of Income-Driven Repayment plan, which Navient approved. Navient responded that I will be given my new repayment information on XX/XX/2020. As of XX/XX/2020 I have not yet received my new repayment information for account XXXX.
Product: Credit card or prepaid card

Target Credit Card is currently reporting 50 charge offs on their account on my credit report severely damaging my credit worthiness and misleading potential creditors.
Product: Debt collection

Alliant Capital Management calls and threatens legal action on a debt they say that I owe. I have never received anything in writing from them to clarify what the account is and what the balance is that I owe. I asked for a statement months ago and still have not gotten one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry on my credit report.
Product: Debt collection

This debt was paid in full back in XXXX of 2017 - settled for {$250.00}. please remove from my credit as it is negatively impacting me.
Product: Credit reporting or other personal consumer reports

I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Pursuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$4700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$19.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a CFPB complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. I'm submitting this CFPB Complaint to follow up on my previous complaint and demanding that the Credit Reporting Agencies remove the disputed items immediately before I'm forced to take legal action. Remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$570.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXXhave reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor XXXX XXXX with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.