23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 and on previous date I have sent LVNV Funding several letters asking them to send me a written contract that I signed binding me into a contract with them. They have never responded or attempted to contact me on this debt. They continue to report negatively on my credit report, which is causing me hardship in obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian illegitimately assumed the role of reporting information about me. I've reach out to Experian ; in attempts to resolve their careless and reckless actions ; amicably and out of court more times than I've kept record of ; via telephone, handwritten letters and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ). Despite me proving proof of their negligence, my commands and demands to redress this matter ; Experian purposefully continued to commit fraud. Experian unlawfully, without my consent, without providing any type of adequate notice, or without any type of authorization from me deliberately, knowingly, illegally, and willfully used my credit card ( SSN ) to furnish allege incorrect information about me. Experian committed aggravated identity theft against me. Their actions put me at risk further of identity theft. Experian also willing directly violated the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, The Consumer Credit Protection Act, The Truth in Lending Act, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act, The Consumer Financial Protection Act, The Fair Credit Billing Act, The Dodd-Frank Act, and The Uniform Commercial Code. Due to Experian XXXX XXXX XXXX XXXX XXXX XXXX and gXXXX XXXX XXXX. I've been denied extensions of my own credit in excess of well over {$100000.00} ( XXXX XXXX XXXX XXXX ).
Product: Mortgage

I came into a non-profit office to get help with a Loan Modification for our home. In the process of calling the lender and talking to the housing counselor, what we found out was my was sold in XX/XX/2010. I have no records of a foreclosure notice being mailed or an auction or sale of my home, yet now I am facing leaving a home that I am not sure I own. All the information that my counselor and I have received from the lender says I do not own the home and the lender shows our loan number not existing in their records. 
The lender did give us an attorney that has the files to be able to tell me that I still own my home. We called that number in my counselors office and it was disconnected. 
I am desperate to know if I can continue in my home or do myself, my wife who can not do anything for herself and our XXXX children, do we have to move. 
Records at the county where we live and on the property taxes, show the home owned by someone other than my wife. Yet we have lived in the home since XX/XX/2010 when the records showing it was sold.
Product: Student loan

On XX/XX/XXXX and XXXX, I received the attached letters from Moehla which makes zero sense to me. In addition, on XX/XX/2024, they sent me a bill stating that I needed to make a payment for XX/XX/2024, which I did on XX/XX/XXXX. I found out today that they applied it to XXXX still showing that I owe for XXXX. There wasn't a bill for XXXX because our loans were placed on hold due to their mishandling of our accounts. I want them to apply the payment ( made in XXXX ) for XXXX and forgive the loans that ended last XXXX which I listed on my last complaint. These individuals are crooks.
Product: Debt collection

I'm a victim of identity theft company name XXXX XXXX XXXX account # XXXX and date open in XX/XX/year>2024 is not correct they just post this on my report XX/XX/scrub> 2024. The consumer law states a credit report post to be accurate and complete. I also up loaded a recent credit report proves that the debt has not been on there in XX/XX/year>2024 false date
Product: Debt collection

PRA is falsely reporting two alleged debts in which I have no agreement with. I have NO agreement of any kind or any amount with PRA. I am not giving them a penny because I owe them nothing. PRA has yet to show me a dated statement from 2017 with MY address. They sent me a copy of a statement with an address that is not mine. And they have never been able to show me a written agreement between myself and PRA. Because there isnt one. I owe PRA nothing. They will get nothing. These two accounts are fraud.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card

On XX/XX/2024 i responded to a offer of {$7000.00} credit line with 0 % XXXX for XXXX  months, the offer was accepted, upon reaching out to confirm offer i was told a XXXX was sent with a {$700.00} credit limit 30.90 % XXXX along with {$170.00} balance. I checked the balance and called to inform them of the problem, i was told to send a fax copy of the offer to confirm in which i sent XX/XX/2024. I later called several times and was told there was an pending investigation. I called to confirm i was not going to activate card unless offer was honored and if not i would call XXXX  and Federal Trade to help in assisting me with this matter. I was also told by last representative since i did not activate card i would not be responsible APR or balance
Product: Payday loan, title loan, personal loan, or advance loan

I asked this company to cancel my subscription. I have called this company multiple times and no one answers and they direct you to an bot to chat with. I told this bot to cancel my subscription and now Im having money stolen from my bank account. This is fraud. I try to email them and it sends you back just an auto email message with nothing to do about your issue.
Product: Vehicle loan or lease

In XX/XX/XXXX, The car dealer Twin Auto in XXXX did not inform me about the car 's ( XXXX XXXX XXXX ) conditions, maintenance and it's true book value when they sold it to me. They have misinformed and disinformed me and made me sign papers without explanations. They also added additional products that I did not request. So at the XXXX dollar book value car was sold to me with a near XXXX  % interest rate at a XXXX USD loan. 
The loan company Ally Finance accepted this invalid load application that uses an inflated price. Now I can not refinance the car because the LTV ( Loan to Value ) is negative. I communicated with both companies and even XXXX to find a way to resolve this unfair and deceptive business behavior. I felt vulnerable and abused. 
My attempt to enjoy purchasing or refinancing a car with my perfect credit has now turned into a deep frustrating experience. I do not know what to trust. The only choice I have is to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  sold my information to XXXX XXXXXXXX and XXXX XXXXXXXX sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.
Product: Credit reporting or other personal consumer reports

Dear sir/mam My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Follow all verification reinvestigation proceders and guidlines through FCRA rules. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX Open XXXX
Product: Debt collection

I went on the website from the letter to review the account. 

I was offered XXXX choices : XXXX. Pay the balance in full in XXXX payment today. 
XXXX. Pay the balance in full in XXXX payment in 30 days XXXX. Settle the account with the below offers *Pay off this account with XXXX payments of {$850.00}. This represents approximately a 55 % discount. TOTAL OF OFFER IS MORE THAN BALANCE DUE. BALANCE DUE IS XXXX, AMOUNT REQUESTED IS XXXX ( claiming to be a 55 % discount ) which is a XXXX increase, not decrease. 
*Pay off this account with XXXX payments of {$150.00}. This represents approximately a 50 % discount. Total offer is {$940.00} *Pay off this account with XXXX payments of {$150.00}. Total offer is balance in full.
Product: Credit reporting or other personal consumer reports

I froze my ChexSystems XX/XX/year>2021 and it should still be frozen due to fraud. When I pulled my credit report from XXXX it said XXXX of their sources was ChexSystems so ChexSystems is ignoring my freeze and still verifying or denying my accounts with XXXX, I have attached the screenshot of XXXX listing their XXXX references they used to verify my info. XXXX was ChexSystems and the other is XXXX. ChexSystems should be notifying XXXX that my acct is frozen when XXXX contacts them but theyre not and transunion is using my info from ChexSystems and thats a violation! ChexSystems hasnt confirmed or denied that theyre communicating with XXXX on my behalf which is obvious they are! 


I want ChexSystems to communicate to XXXX that Im on a freeze the way they are suppose to and remove or have removed whatever they shared with XXXX. ChexSystems also admitted that financial institutes report accounts to them but with my account frozen so they shouldnt be accepting any new reporting in my name! Both sharing info with XXXX and accepting reports on my behalf is a violation. 

Fair Credit Reporting Act ( FCRA ) 15 USC XXXXc-XXXX & XXXXcXXXX Under 15 USC XXXXcXXXX, consumers have the right to place a security freeze on their credit report. 
Once a security freeze is in place, consumer reporting agencies ( CRAs ), including ChexSystems and XXXX, are prohibited from sharing your information with unauthorized third parties. 
15 USC XXXXcXXXX requires that if a consumer places a freeze due to identity theft or fraud concerns, the credit reporting agency must comply with restrictions.
Product: Credit card

Citibank sent me an email AFTER reducing my credit line. They said that this reduction was due to my credit report, but I almost always pay above the minimum pay on all of my cards. There has not been anything negative on my credit report. I closed one credit card and traded in a car. I was never given an exact reason for this reduction. This reduction also cane after making a substantial payment, thus CAUSING a negative impact to my credit score.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have discovered unauthorized inquiries on my credit report that I did not authorize. I have no association with the following inquiries or the entities listed : XXXX - Inquiry Date : XX/XX/year> XXXX XXXX  - Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX - Inquiry Date XXXX XX/XX/year> These inquiries were made without my consent and are in violation of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft upon proper documentation. 

I have submitted an identity theft report and affidavit to support this dispute and am requesting the removal of these unauthorized inquiries from my credit file.
Product: Consumer Loan

It has recently been brought to my attention that my title for my car has never been sent from my previous Lease holder Chase Auto Finance to my current financier XXXX XXXX XXXX XXXX. Chase neglected to send the title even after it was requested several times XX/XX/XXXX, resulting in an 18 % APR charge from XXXX XXXX because they never received the title. I worked directly with Title Research agent XXXX XXXX XXXX, who only sent me the lien Release, but did not send the title. My car payment is XXXX per month now. It was calculated at XXXX with the title ( 14 % APR ). This has directly effected my ability to pay other bills and has cost me approximately {$570.00} and has prevented me from getting additional lines of credit, recently including a car loan from XXXX, as they stated that I was too far upside down on the loan currently and my current APR was too high at 18 %.
Product: Debt collection

We have received multiple calls from an XXXX number claiming to be Wakefield that just says it is related to debt collection. We do not have unpaid debt with anyone. I think it is a fraudulent call and therefore am not calling them back. 
The caller Id shows as ( XXXX ) XXXX, but the message says to call them XXXX, which is Revenue Recovery Corp, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Text of voicemail : We have an important message from Wakefield and Associates. This is a call from a debt collector. Please call XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX| presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ). XXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX XXXX {$680.00}, XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX  XXXX {$2800.00} XXXX
Product: Debt collection

On XXXX XXXX, 2016, I attempted to call MacDowell & Associates LTD to discuss a possible settlement with regards to a lien against my property. We are in the process of selling this property. When I first called, the women ( who refused to give me her name ) I spoke with on the phone was initially cordial on the phone and provided me with the information I requested. When I call back a second time, she was noticeably more aggressive and agitated on the phone. The purpose of me calling back a second time was to initiate a discussion about a settlement amount. The woman on the phone became irate and began yelling at me on the phone, saying that I " better pay dat debt '' over and over again. I stated that she was yelling at me and she said that was her normal tone of voice, then she hung up the phone. I call back to try to get some conclusion to my intent for calling and she called me a " racist '' over the phone, then hung up again. I have attempted to call back many times and now there is no answer. I felt threatened and severely offended by her calling me a racist, especially since I said nothing racial over the phone. And now a high level of emotional distress for me and my wife. 

This type of language is unnecessary, unprofessional and was used in a way to attempt to threaten me and my family.
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 XXXX out of XXXX 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 all other names and addresses. These other forms of my name are not correct historical data. 
Incorrect historical data listed below : Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX - It is imperative that you immediately remove this inaccurate data from my credit report. 
Incorrect Address - XXXX XXXX PL XXXX FL, XXXX Incorrect Address- XXXX FL, XXXX Incorrect Address- XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX Address- XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address- XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address- XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I gave written instruction and what to include and what not to include on my consumer report. This elaborate mechanism does not have permissible purpose and I did not give consent to furnish to furnish this information on my consume report. As a federally protected consumer my rights are still being violated. If my written instructions are not followed I will seek litigation.
Product: Credit reporting or other personal consumer reports

I sincerely appreciate the effort you've dedicated to ADDRESSING some of the fraudulent items in my file arising from an alleged identity theft. However, there are still ITEMS remaining that require attention. Once again, I find myself a victim of identity theft, prompting this request to ELIMINATE the ITEMS from my credit file linked to this alleged identity theft. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items no later than 4 business days after XX/XX/2023. This matter has been previously addressed in my earlier communication and is reiterated here with a new FTC REPORT # XXXX. The information you provided on these items is UNKNOWN to me, having been REMOVED from other bureaus, and I harbor doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX has knowingly RE-AGED an account on my credit report by inaccurately changing the FCRA Compliance Date. The law clearly states under FCRA 623 ( a ) ( 5 ), that the DOFD MUST be based on information obtained by the ORIGINIAL CREDITOR. XXXX XXXX XXXX is NOT the original creditor. 

Attached are credit reports and a demand letter from XXXX XXXX, PA dated X/XX/2007 which clearly substantiate you are fraudulently furnishing false information and responses with inaccurate data in an effort to undermine the law and severely damage my credit. 

Your responses thus far have been unsatisfactory as valid proof of the FCRA Compliance Date.
Product: Credit card or prepaid card

Hello, I called My bank Pentagon Federal credit union at the end of XXXX asking if I wanted to pay the cash advance from the balance transfer I had how can I do that. The member service rep told me. # 1 Stop making purchases on the card. So I cut the card up. # 2. Any additional money paid to the credit card would get applied first to the cash advance and then to the purchases. # 3 the agent mentioned I should transfer the cash advance balance to a 0 % interest card to get that paid off if it was fee-sable. I said great. I ended up opening another card with another company to transfer the balance of the cash advance. 

The company I opened the transfer with sent pentago federal a check for {$4000.00} I looked at my statement today and i noticed that I'm still showing the purchases and I'm still showing the cash advance. Both have the same interest rate. I told them they should of got rid of the cash advance and only had the purchases. 

Purchases 13.99 % {$2500.00} {$29.00} {$2500.00} Cash Advances 13.99 % {$2500.00} {$30.00} {$2600.00} They Specified per Government regulation that they had to do it this way. So I would like to know if this is indeed accurate or if they could of applied it all to the Cash Advancement and any remaining to the purchases. 

Here was there response to me. I'm not satisfied since I did what there rep told me to do to try to clean this up. 

Upon speaking directly with our credit card department, they stated the following : When payments are made over the minimum, the remainder will be applied to the balance with the highest interest baring balance. If 2 balances are at the same APR, we split the payment between the 2. There are numerous outstanding purchases on this card. Purchases and Cash Advances ( or expired balance transfers ) are at the same rate, therefore the system split the payment between the 2. 

Unfortunately, the Member Service Representative you spoke to may have misunderstood the situation and provided incorrect information. 


Please let me know
Product: Mortgage

Our mortgage company, LoanCare, has been holding our insurance claim money in escrow since XX/XX/XXXX when they cashed and deposited our checks. On XX/XX/XXXX their inspector approved our home repairs at 85 % complete and after numerous phone calls they released 62 % of our money saying the rest would be released after final inspection. On XX/XX/XXXX, their same inspector came back and approved work completed to 100 %. It has now been 2 weeks since the inspection and we have not heard anything from the insurance claims department. 
We have worked tirelessly since Hurricane Ian hit us on XX/XX/XXXX and LoanCare has caused us great stress and financial hardship as we struggled to put our home back together. 
My mortgage is current and payments have always been made on time. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three companies inaccurately reporting a late payment on my credit report when it was never late. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting me as late one time when that is untrue. I have sent letters and proof to both the companies and all three credit bureaus and the error has not been fixed. It is holding up the sale of my home because of me being unable to buy the new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy case with XXXX & Transunion which they came back saying the information is verified. Advised my bankruptcy is being listed as chapter XXXX when it should be a chapter XXXX they stated it came back verified. I wrote the office of the clerk they advised me that they do not report bankruptcy. case information to credit reporting agency. Per section 609 ( a ) ( 1 ) they are required by law to verify through physical verification of the judgement. Public record information was never validated. I ask them to delete the judgement due the inaccurate reporting.