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

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXXXX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX XXXX  Account XXXX, Account name : XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX UNIT XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$44000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXX XXXX  XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a workers comp claim for a emergency room visit. The hospital was told its workers comp and yet they still harass me for this debt. We have provided the comp claim number to them and they refuse to accept it. I cant make them accept it. This is unfair and unethical business practices. Look at my previous debts. All have been paid. I guess its ok to ruin a persons credit based on what a company says to be true. Please look Into this
Product: Mortgage

We have Wells Fargo mortgage and the insurance company. After deciding to switch homeowner insurance companies. Wells Fargo suggested we use their company. We found out they do n't have an insurance company, and instead uses XXXX 's. We were paying the insurance company directly, then wanted to see how it work if Wells Fargo paid through an escrow. When we tried to close the escrow account, Wells Fargo claimed we agreed to pay escrow for the " life of the loan '' which is neither a legal requirement nor a contractual one. They sent a copy of the papers which do not confirm their statement. In fact, our mortgage agreement states " XXXX '' is due for escrow. The mortgage was created in XX/XX/XXXX, and the escrow account in XX/XX/XXXX. Attached is the monthly payment agreement page from our contract. 

Your agency is not looking at the papers, and Wells Fargo is aware that you are not reviewing them. Wells Fargo is engaging in fraud by submitting false documents under of the pretense of compliance. We have no contractual obligation to keep an escrow account especially since they are holding three times the legal limit RESPA sets. 

PLEASE CONDUCT AN INVESTIGATION.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have been with The Money Source since XXXX and the experience has been frustrating and disappointing. But this recent situation takes the cake. The Money Source has severely mishandled our escrow account. In XXXX XXXX, we submitted paperwork to our county tax office for our Homestead Exemption in which we are entitled to a Partial XXXX Veteran Discount and another discount from the county. I then called The Money Source to make them aware of the changes. I was asked if we were fully exempt and I let it be clearly known that we were not. I was then asked how much our tax bill going to be for XXXX. I had no idea, so I then asked our county tax office to assist me with answering TMSs questions. The tax office emailed me a letter stating what our estimated tax obligation would be for the year and I then faxed this letter to the TMS tax office at XXXX. I then called and verified that the document was received. Fast forward to XX/XX/XXXX, and we received our new escrow analysis showing that we have a shortage of around {$4600.00}. At some point, TMS removed the tax portion of our escrow and did not collect taxes from our monthly mortgage payment and when TMS received the tax bill from our county, they paid the bill with an escrow advance. We were not aware of what happened. We were under the impression that the proper projections had been made and that we were making the correct payment amount to cover both our taxes and insurance as usual. It has taken nearly 2 months of back and forth, shifting blame and confusion for TMS to admit to the mistake. But they have failed to make this mistake right. A debt was created on the behalf of The Money Source but instead of them rectifying the situation within the company, they are insisting that we pay the debt. If we were to pay this shortage, it will add nearly {$700.00} to our monthly payment, which will cause a financial hardship for our family. I have explained this to several XXXX and XXXX at The Money Source but we are being told there is nothing they can do other than assist us in paying this debt. I find this to be very unethical and a bad business practice. Not to mention, this not the only issue that we have had with XXXX. Thankful, we are in the middle of a refinancing so we will not have to continue to do business with XXXX in the future but unfortunately any balances that we currently owe to XXXX will be transferred into the new loan. And this escrow situation is causing confusion and delays in our refinance process. Its an absolute nightmare.
Product: Vehicle loan or lease

Toyota Motor Credit Corporation charged me a 20.75 % interest rate after being a returning customer with the first loan being paid off and it's absoultely atrocios. In XXXX I purchased a 2011 XXXX XXXX with XXXX miles from XXXX XXXX in XXXX Ma. As I stated this was my second loan with this company with the first one was paid off in early XXXX due to an accident. However still when I went through Toyota Motor Credit I was charged this ridiculous interest rate allowing this company to get almost {$20000.00} in interest alone.I told the loan officer that this was too expensive for me and she assured me after making 8 on time payments I would be able to refinance at a lower rate which wasn't at all true. All I'm trying to figure out is how this is fair to me as a human being let alone a retuning customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX  and in conjunction with existing complaint ( # : XXXX ) against XXXX. Now my XXXX  score has dramatically dropped credit score from XXXX to XXXX within this past week. I created an account with XXXX, filed some basic information disputes and was able to finally connect with a representative. The XXXX  representative could not confirm this score drop in their system and when I asked him what activity do you show in the last two weeks, he said also that their system could not provide that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found an inaccurate late payment reported on my XXXX account ( Account Number : XXXX ). All payments have been made on time, making this late payment notation incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of the data they report, and knowingly reporting erroneous information is a violation of this law. Specifically, TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year> and XX/XX/year>, while Equifax inaccurately reports 30-day late payments for XX/XX/year> and XX/XX/year>. Since my account status remains current and all payments have been timely, these errors must be corrected within 15 days of receipt. Additionally, I request documentation verifying compliance with 15 U.S. Code 1666b, which requires periodic statements to be delivered at least 21 days before the payment due date. Please provide the periodic statement and corresponding tracking number to confirm timely delivery. I have attached supporting documentation highlighting these inaccuracies for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get assistance with this matter to no avail. FMS Financial is erroneously reporting this as collections on behalf of XXXX XXXX. I have contacted FMS Financial directly and am not able to get assistance because they show the account is with Legal and informed me that I needed to speak with XXXX XXXX XXXX XXXX directly. XXXX informed me that she does not handle collection/credit reporting matters during our mediation with the XXXX XXXX XXXX when the dismissal was granted. I am not able to get to the right person to assist with ensuring that my credit reporting is updated and credit bureaus are not aware of the status. My rental history is showing a negative report by FMS Financial for {$3500.00} as of XX/XX/2021. XXXX XXXX is not able to assist and all connected parties are directing me to the other. 


Payments on the stipulated amount of {$2600.00} are being made directly to XXXX XXXX. Can someone please assist with confirming the receipt of the documents that were filed with the courts and that this is no longer in collections with FMS Financial? I reached out to XXXX 's office today and spoke with the receptionist who advised that FMS will be contacted and that I should follow-up. This has been the update given before with no change in status of my account. Please assist with reviewing the attached documents for the needed updates to be made. 

I am being denied housing because of the erroneous information being reported by FMS Financial. This was not an eviction and the stipulated amount is based on corrections being made due to erroneously being charged by XXXX XXXX and FMS Financial. 


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

Hello my name is XXXX XXXX there are 2 public records ( dismissed bankruptcy ) that appear on my credit report that should not be on there due to the fact that the information is inaccurate and it is also unverifiable. I have a personal letter from the US District Court of Bankruptcy that states they do not report to the Credit Bureaus, this statement along makes the public record unverifiable. I am disturbed that Trans Union and XXXX  continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
Product: Debt collection

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : XXXX Name : XXXX XXXX Account Number : XXXX Collection Agency : Florida Department Of Revenue Date of Initial Collection : I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt.

Copy of Original Contract : I am requesting a copy of the origin
al contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest. 

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt.

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 




The above Case # XXXX number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated, I contacted the agency and no response, this has affected my way of living, been placed on my credit profile and according to the FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ). 13. 15 U.S.C
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I am challenging the incorrect information with XXXX where all 3 Bureaus XXXX, XXXX, and Transunion have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all XXXX bureaus XXXX, XXXX, and Transunion as well as XXXX. Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.
Product: Vehicle loan or lease

This lease was taken out with American Car Center in XX/XX/2022. American Car Center went out of business and transferred this account to Westlake Portfolio Management. Per the contract any change in the lease should be in writing and signed by me and the assignee. I was not notified that the transfer was going to happen. and certainly did not receive written notice nor did I sign a new lease. I have requested my contract from Westlake Portfolio but what they sent was not the original contract and the loan amount was different. The original contract I actually signed by hand and the contract that was sent was signed electronically. I am not able to get a copy of the contract from American Car Center because they went out of business.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Former : XXXX XXXX XXXX Previous Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Employers : XXXX XXXX  Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXX 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: Student loan

In  XXXX     2017  Navient was notified by the Department of Education that I am a  XXXX   XXXX   XXXX  and in school deferment status. As such, there should be no student loan deductions. Navient continued making deductions from my bank account in spite of my status. In  XXXX  and  XXXX  {$270.00} was deducted from my bank account. In  XXXX  and  XXXX  there was insufficient funds in the account so the bank charged NSF fees. To date there is a total of {$200.00} fees incurred as a result of  Navient  's actions : {$34.00} fees in  XXXX  and {$170.00} fees in  XXXX ,  2017 . I contacted Navient on  XXXX   XXXX  about the matter. A customer advocate returned my call on  XXXX   XXXX . I was told that the refund was approved on  XXXX   XXXX . In response to repeated calls following up on the matter, I was told that the refunds were being processed. I was told to submit the bank statements showing the fees that were incurred. I did as requested. On  XXXX   XXXX  I was told that the request for the refund was resubmitted and wi thin 3 to 5 b usiness days I would see the refund in my bank account. A call today,  XXXX   XXXX , I was told that the refund was on hold. The customer advocate said that she will resubmit the request for the refund.  <P/> 
Navient wrongfully continued to try to withdraw money from my bank account. Even if it was a system glitch, Navient 's   actions between  XXXX   XXXX  and  XXXX   XXXX  leaves no doubt in my mind that there is a clear lack of care for the student. There is a refusal to correct the error. Also when they found a reason to stop the process no one contacted me to let me know that there is a change from what I was last told. This lack of communication is disrespectful and lacks basic customer care.  <P/> Students need to be vigilant especially when there is direct debit in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a letter from the bank stating that the 4 personal loans I had with them will be reporting back on my credit reports. These loans were paid and satisfied and in good standing. They were removed off my credit reports which dropped my score significantly and was denied credit from another lender. Experian and XXXX  said they would notify me when the 4 accounts would be put back on my reports. I still have not been notified and there still not reporting
Product: Credit reporting

I went to the personal finance section of XXXX for a soft Credit check to see if I could possibly qualify for a loan, but I never ask for credit to be check and now I am receiving letter from different company with refusals. which inturn goes on my credit report. my problem is I did ask for this