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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting Under the XXXX of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, XXXX, I XXXX Presume THAT no Proof of the ALLEGED DEBT, Nor Therefore ANY SUCH DEBT, In FACT EXISTS XXXX XXXX  Open XX/XX/year> Balance {$190.00} Please delete from my credit report.
Product: Consumer Loan

A vehicle I had was repossessed XX/XX/2015 and sold at auction. The company Santander has since sold the debt to XXXX. However they continue to report each month as if this a current debt, repeatedly preventing me from recover from the initial hit to my credit score. I have repeatedly dispute this with XXXX as per law once Santander sold the debt they are no longer allowed to continue to report it. However Santander keeps reporting as if this is a current debt and refuses to update my report to show they have sold the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against experience with your organization. Experian had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. Experian reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. Experian also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.
Product: Debt collection

On XX/XX/2021 I sent a XXXX to XXXX challenging a collection account from XXXX that did not belong to me. It was then deleted from my credit report. XX/XX/2021 I noticed the collection came back with a different name. The name is XXXX, XXXX XXXX.
Product: Mortgage

Today is XX/XX/year>, and we sent a full loan modification file to Shellpoint. We have a XXXX loan and a foreclosure sale date of XXXX. We need the sale date postponed until the loan modification file can be reviewed. The XXXX  will also reach out to Shellpoint on our behalf, and we would please like the Qualified Written Request that is attached, responded to and answered, in fullwith all due respect. XXXX, my husband, is a XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered incorrect accounts on my credit report this morning and don't understand why. Upon my routine check, I found unexpected discrepancies. I attempted to refresh my browser to see if it was a technical issue, but the errors persisted. Therefore, I request a thorough review of the documents I've submitted to resolve this issue permanently.
Product: Credit reporting or other personal consumer reports

I have noticed several inquiries on my credit report that I do not recognize nor did I apply for credit in my name. These unauthorized inquiries should be removed according to FCRA guidelines. Here are the details of the inquiries listed below. Ive already followed protocol and reached out to creditors to no avail. Please remove. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

1. Incorrect personal information on Equifax Credit Report. My first name has been fraudulently changed without my permission and now I'm receiving credit card offers under the fraudulent name. This is the third time Equifax has allowed someone other than me to change my name. 

2. Also, ( under contact information ) My move in date on credit report says move in date XX/XX/XXXX. I moved in XX/XX/XXXX. ( This building wasn't built until XXXX. 
It's impossible for me to have moved here XXXX. The five addresses that were removed, which some are over 20 years old are added back onto my credit report. This is an ongoing problem. the only address should be my current address with a move in date of XX/XX/XXXX XXXX XXXX
Product: Debt collection

In XXXX I visited XXXX XXXX XXXX in XXXX XXXX, GA. I was XXXX at the time and now I am XXXX, my mom signed a form with them that she was liable and was consenting for the treatment since I was a minor. I have contacted XXXX XXXX XXXX and they have confirmed with me that since I was a minor the debt will be dropped. On XX/XX/XXXX I.C. System INC opened a collection account for the bill from XXXX and did not notify me. On XXXX XXXX I found about about this account when they filed on my credit report, the amount is {$650.00}. I have called them and they have told me it does not matter that I was a minor i still have to pay the bill or they will garnish my wages and take me to court and needed my Mothers name so they can take her to court also and now refuse to speak to me when I call. I am confused as why I am just now learning about a debt from XXXX especially when i was a minor and now its XXXX. According to XXXX XXXX XXXX the bill should have been dropped when I was XXXX or assigned to my mother but I am not legally reliable for it. I live in Georgia.
Product: Credit card or prepaid card

Called yesterday, XX/XX/22 capital one spoke with 2 representatives who stated they would not help in any way with regards to experiencing financial hardship due to increased expenses. Was told they do have Covid programs, however, absolutely nothing can be done to help either lower my payment or work with my situation. 

I further explained I need help and was blatantly told we have no options for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX XXXX  since XX/XX/2015. This debt XXXX XXXX was opened in a different state. XXXX. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report immediately.
Product: Debt collection

Two medical collections appeared on my credit report in 2021 ; one in XXXX for {$550.00} and another in XXXX for {$300.00}. I contacted medical data systems and requested proof of debt due to the fact that I did not recognize the charges and I havent had any medical treatment around that time. I received an email with a copy of a bill about a week after my request. I contacted the company again via phone and informed them I am unaware of the charges. I again requested for proof that was the person responsible for the debt and have yet to get a response.
Product: Debt collection

I submitted a dispute to Experian and XXXX XXXX XXXX about a collection that was placed on my credit report in the amount of {$4900.00}. 

I was a victim of identity theft in XXXX and during this time, I had at least 2 accounts placed in my name after someone obtained my information. The companies have copies of the police report ( filed XX/XX/XXXX when I was made aware ), my verified lease during this time ( I already had an apartment in another city ), and other information to clear this from my account but no one has done this or has provided me with why they have not taken it off. 

The Experian dispute that I filed just says the information is accurate- which if someone has access to all of my information, it would have been. I'm not sure what more I need to do to clear my name. This is very frustrating and it now shows that I owe {$32000.00}!
Product: Credit reporting or other personal consumer reports

I discovered this company ( Affirm , Inc. ) had been reporting multiple negative installment loan accounts on my credit reports when I obtained my credit reports in late XXXX XXXXXXXX XXXX XXXXXXXX, following my denial of favorable auto loan financing in XXXXXXXX XXXX XXXXXXXX with an auto lender. Subsequent to discovering these fraudulent accounts, I immediately alerted the the company each of the credit bureaus, the FTC and filed identity theft reports with my local police department. I contacted this company by telephone multiple times and spoke at length with several different representatives from their internal Fraud department to file a complaint and learn more information about the details of the nature of the company and how the fraud was able to transpire. Each representative I spoke with asked me a series of security questions such as my phone number, email address, bank account numbers, SSN, DOB, and other personal information and informed me that their conclusion was that the accounts were indeed opened by someone else who had been using my identity, but different contact and banking information. I was provided a report number and informed that an internal review of their findings by a higher department would be concluded within 3-5 business days and that I should expect to see these accounts deleted from my credit reports " very soon. '' That was over 45 days ago and I have yet to receive any communications from this company and these fraudulent items are still reporting on my credit reports. I also received communication from the credit bureaus via updated credit reports around XX/XX/XXXX, stating that this company had initially certified to the credit bureaus that these accounts were being reported accurately despite my initial request to the bureaus that this information be blocked due to being the result of identity theft, which also further violated my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with Well Fargo bank. They are reporting on my credit something is over XXXX years old and need to be off. I have been fighting them since XX/XX/2021 on this and they just wont budge. The credit report even shows 8 years and 3 month I mean come on 7 years it is suppose to come and it not. Why do they get to change the law to 8 plus years? I did my research and I know it still 7 years so this need to be remove ASAP.
Product: Money transfer, virtual currency, or money service

Ticket scam on XXXX ( {$500.00} ). 

I am a customer of Bank of America. The scammer directed us to move the money via the BOA 's XXXX product. It was the first time we used the BOA XXXX functionality. Unfortunately, the Scammer understood more about the vulnerabilities of XXXX than we did. 

I have filed a police report, FTC complaint and FBI IC3 report.
Product: Mortgage

I entered into lending agreement with Amerisave in XX/XX/XXXX for a mortgage on a single-family residence in Washington XXXX All documents requested were provided and the loan moved into the final underwriting stages in late XX/XX/XXXX. On XX/XX/XXXX, I was provided closing disclosure documents ( attached ) for a mortgage nearing approval. Included in that document was a credit for {$13000.00} ( section L6 on the signed document attachment and closing disclosure ). On XX/XX/XXXX, I was notified that my loan application was approved and was provided a final closing disclosure which contained the same credit and contained a final dollar amount needed to close the loan. On XX/XX/XXXX, I proceeded to sign documents to close on the loan, assuming the accuracy of all documents provided up to that point in good faith. All documents for the mortgage were signed on XX/XX/XXXX and the sale was agreed to with the dollar amounts matching those provided to me previously. 

On XX/XX/XXXX, I received an email from the title company stating that the final closing disclosures, as provided to me on XX/XX/XXXX, XXXX, and at the loan signing on XX/XX/XXXX were incorrect and that I had incorrectly received a lender credit. The title company stated that the lender refused to settle the loan until I paid the outstanding amount of the credit in the amount of {$13000.00}. At no time did anyone from Amerisave reach out to notify me of their error. I attempted to contact them multiple times, as did my real estate agent. They refused to do anything and warned me that by not paying that amount, I could potentially be in default and lose the deposit I had put down. Despite my objections, I paid the amount demanded in order to close on the loan so as not to be in default and lose my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Experian a letter regarding inaccurate and unknown things on my credit report and to this day I haven't received a response yet. I am deeply upset and frustrated and feel like i'm being taken advantage of. Section 611 ( a ) states that a failure to investigate these items within 30 days requires immediate removals of these items from my credit report. It has been over 30 days so I am demanding they be deleted promptly. I demand they be deleted or I will file for litigation due to the stress this is causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below have reported to my account. I am unaware of these listed inquiries. Please look in to the listed accounts. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is reporting an account from a company named XXXX XXXX that I disputed. They say the XXXX account is verified as accurate. However, I don't have any letters or statements from XXXX XXXX regarding the account. The account is reporting Not_More_Than_Three_Payments_Past_Due ; which is affecting my credit rating. I don't know what this account is. The reporting on the account is sporadic and inconsistent & doesn't make sense. There is no Credit Limit information reported from XX/XX/XXXX ( when Equifax says the account was opened ) through XX/XX/XXXX to verify. Additionally, there is no, Balance ; Credit Limit ; or High Credit info from XXXX XXXX XXXX. But Equifax says the account was open during that time. There isn't Actual Payment info for the entire time the account has been open however there is Payment History reporting from XX/XX/XXXX- XX/XX/XXXX. Equifax is reporting the : Amount Past Due was 1st reported in XX/XX/XXXX & theyre also reporting the Date of First Delinquency as XX/XX/XXXX. Again sporadic inconsistent reporting does not comply with the FCRA. Based on the reporting inconsistency of the account, Equifax is not reporting complete accuracy. The account # ends XXXX I dont have an account with any combination of those 4 digits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I heard on XXXX that your company could help me. I feel that Equifax is taking advantage of me and refusing to manually review my letters. As of today, Equifax has continued to leave inaccurate information on my credit report. It has damaged my credit score and I cant get a job because of it. For this reason, I decided to write a letter on XX/XX/XXXX ( Certified Mail ) to fix the incorrect information ( attached ). 

On XX/XX/XXXX I wrote another letter ( Certified Mail ) addressing Equifax ( attached ) Confirmation #. The main purpose for this letter is to address the deleted item on Equifax ( attached ) Confirmation #, but failed to correct my information. I also noticed they did not remove the three below accounts ( attached and circled ) that were associated with the personal details that were disputed in the past. This does not make sense to me. 

I believe they are in violation of the FCRA and are refusing to abide by the law.
Product: Debt collection

I regret I have yet another instance of violation of the FDCPA from the firm I have come to refer to as MJRF.

Any resemblance to past violations and complaints of violations is due to the fact that MJRF have not stopped violating the FDCPA, despite being warned multiple times that they are doing so.

I received the attached envelope a few days ago.

You'll notice it's distinctly different from any other envelope I've included.

So this is another violation.

Under the FDCPA, 15 USC Section 1692f it is forbidden for debt collectors to put on envelopes any language or symbol, other than the debt collectors address.. This was affirmed in the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The firm MJRF continues to violate this portion of the FDCPA.

The ridiculous thing is someone wrote the return address in there. I view this as a real " XXXX XXXX '' from MJRF that they couldn't just write their address on the return address, and omit their firms name, as I have repeatedly asked.
Product: Credit reporting or other personal consumer reports

Chex Systems , Inc. Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX -- I received notice that you verified certain items on my credit report from the following companies : XXXX XXXX XXXX XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " VERIFIED remain on file at ChexSystems '' response ; I am aware of that. 
Supply your response within 15 days or delete the ACCOUNT.
Product: Credit card

I received an email from company saying my account was suspended until I made payments on the orders that my bank reported that they were unothrized charges so I called the credit card company to take care of the problem and apon speking with the fraud department I was told that my personal information want correct and I needed to verify my identity by receiving a link via text to prove my identity and upon completion I would receive a password if I successfully completed the process called fraud department to provide the password and was told that it was expired and they could assist further more
Product: Credit reporting, credit repair services, or other personal consumer reports

This account from XXXX XXXX XXXX XXXX XXXX XXXX that's showing a charge off on my Equifax credit report does not belong to me please remove from my report. I would also like to state a complaint from my previous experience with Equifax that they do not properly investigate complaints and allow companies to report inaccurate information without providing the proper information to report items on a credit report.
Product: Checking or savings account

Fraud and Identity Theft on my checking account. 

I received a text from Navy Federal Credit Union about Possible suspicious activity was found on your Navy Federal Credit Union account. ( text XXXX ) on XX/XX/2021 at XXXX. 

I called the very next day an spoke to someone ( do not recall name right now. ) She stated that someone was in my online account since XX/XX/2021. 

I ask why are you just now telling me this on XX/XX/2021? she stated that someone took out my mortgage payment in the amount of {$2600.00}. 
They replied we know who did it but your claim is denied because you let them have access to the account. I stated I have no idea who this person is? 

second claim was that my wife deposited {$2300.00} cents in my account then withdrew the same amount. My wife was listening to the conversation due to the fact that I record my calls and I was on speakerphone at that time. She pulled her bank statements on that date which is XX/XX/2021 and no amount of money was ever deposited in my account nor deposited back in her account from her. 
when I presented them with the facts they said you can keep pretending or denying the facts. What? 

they have yet to show me any proof from emails, texts, IP addresses, nothing and I have continued to ask for proof. They keep giving me the run around and passing me from department to department. 

I am reaching out to you prior to filing a lawsuit against them for fraud and racketeering act. ( RICO ACT ) as well as several other reasons.
Product: Mortgage

I would like to know who is asking for loan modifiation on my behalf and pretending to be me? And how can offical federal documents be invalid? It sounds to me that you company is refusing to investigate by documenting invalid info. I want the info your documenting on my behalf with in the time frame you have had the loan and confidential documents wo n't work. You say you have me requesting stuff prove it. Because right know i have your company documenting stuff I do n't say as well as using it in validly to file false paperwork
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> IS IN VIOLATIONOF LAW CODE 15 USC 1681 I ALSO DISPUTED THIS ITEM OVER 15 TIMES ; AS OF XXXX MTNTHS NO RESOLUTION
Product: Debt collection

XX/XX/XXXX I contacted XXXX  to dispute the dates on collection account. They replied XX/XX/XXXX, after 30 days and stated they meet FCRA requirements. I contacted XXXX on XX/XX/XXXX, and the representative stated " I don't have verification of your account the collection agency and send us proof ''. He stated they got my information from National Credit Adjusters. He also stated, XXXX is not violating my rights by not showing me validated proof of the account. The XXXX representative refused to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-150 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Freedom Mortgage marked my mortgage payment as late, on XX/XX/2022 and subsequently reported it late to all XXXX credit agencies after I submitted it through their online system after XXXX on the XXXX day. They said that it is their policy to mark the payments as received on the next business day of it is submitted after XXXX ET on their website. This was unbeknownst to me. The law clearly states it has to be XXXX days late, which is was not. I've tried calling and talking to them on multiple occasions but to no avail. This dropped my credit score immensely, and harmed my ability to get a more favorable interest rate on a refinance opportunity. I am sure I am not the first or last person this has happened to. 

I'd appreciate any assistance you can offer to get this late report off of my credit report ( s ). I have never been XXXX days late before or after that time, and it was clearly paid before that time in this instance as well. Their internal processes should not impede my rights to pay my bills on time, and it be marked as such. 

Thank you, XXXX