23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from PennCredit claiming that I owe a debt for tax on a motorcycle that I purchased 10 years ago and that I purchased it under fair market value and so I still owed tax on that fair market value. The first woman who called refused to furnish me with all the pertinent info concerning who the debt was owed to. No full institution name, no account number concerning this alleged debt, not contact info and not even a full explanation. I asked for these things after making them aware that I did not receive any 30 day notice from any organization that I had a debt that would be put in collections, I also verbalized that this debt is definitely some misunderstanding because I bought this motorcycle completely wrecked and I notified the tags/title agency of the explanation as to why it was therefore under fair market value. The woman was rude and uncooperative and threatened that this would be placed on my credit report as a delinquent account. I advised her that the debt was over 7 years old and that she was not allowed to do that ... that in fact the debt is over 10 years old. I told her that I was going to have to file a complaint and possible judgement and she told me that there was no statute of limitations and that my credit report would reflect the delinquent account. I then called back in an hour and spoke to XXXX who was equally as rude, yelled at me and spoke over me while I was trying to obtain information to contact the debtor, I got nowhere with this agency and was threatened the entire time. I do not owe this debt and I had to search long and hard and make many phone calls to finally get a hold of an institution ( PA Dept of Revenue ) and find the right dept. I am currently working to resolve this mistake but PennCredit does not care and will not be reasonable while I work through this ... they continue to threaten.
Product: Mortgage

litton loan servicing led me to believe I would be able to get a loan modification.
Product: Debt collection

On XX/XX/XXXX, I had an account alert on XXXX XXXX for an account in collections, the first time I ever heard of this account. Upon investigation, the account was originally opened on XXXX in XXXX of XXXX, utilizing XXXX XXXX, however, I never opened an account with them. The account was in collections since XX/XX/XXXX for the amount of {$3200.00}. I contacted the collection agency that was listed on my credit report which is Spring Oaks Capital LLC, XXXX XXXX XXXX, XXXX, VA XXXX. The person who opened the account had my birthdate, social security number and full name, so they were able to open the account under my name. However, the contact information Spring Oaks provided me belonging to the criminal, including a cell phone number and the address XXXX XXXX XXXX XXXX XXXX NY XXXX ( where the items purchased were delivered to ) is not mine, nor have I ever resided there or utilized the phone number or email address they had on file. So I submitted a dispute with them, providing documentation from the FTC, a police complaint number, and a copy of the fraudulent account on my credit report. The dispute unfortunately has been returned and states the company finds the information to be accurate, but I don't see how when this information does not belong to me. I have since contacted them to find out a detailed report of how this account was investigated, however, they now state they sold the account back to the original creditors, XXXX XXXX, but representatives at XXXX deny that and send me back to Spring Oaks. So I can no longer contact anyone regarding this fraudulent activity that is negatively impacting my credit.
Product: Payday loan, title loan, or personal loan

I had two vehicles under 1 loan through titlemax I was working as a XXXX XXXX XXXX  at XXXX  XXXX paid weekly making XXXX week when I had gotten title loans one was on a XXXX XXXX XXXX other was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had inform titlemax of that well my ex husband XXXX XXXX my driving the XXXX got pulled over went to XXXX  the car was towed to a pound when I went to receive it said titlemax had a repo out on it I contacted titlemax who wanted me pay the whole balance off for it witch I couldn't afford to do so Titlemax failed to even retrieve the vehicle from the pound they put it off on my credit report and left the car thier and it was then sold from the lot witch also had damaged to it at XXXX dollars with a rebuilt title if titlemax wasn't going to achieve the vehicle they could have returned it back to me and made an agreement on smaller payments but the payments wasn't even going on the loan I got just on entries that it .... my XXXX XXXX XXXX XXXX XXXX husband stole from me because we was married cops couldn't do anything I spoke with titlemax in XXXX XXXX  and the deal was they repossessed it from him it be given back to me I would make payments again on it but when they repossessed it never contacted me at all they wouldnt give information of what lot was tooken to so could retrieve personal items from it so now titlemax took not 1 but 2 vehicles from me not putting my payments towards my loans at all I had already paid my XXXX  loan off once for the title they just didnt try work with me at all after I couldn't work asked to lower my payments and everything they refused to do so
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports. I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however, the information has not yet been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find the attached copy of my ID, The FTC complaint, and the XXXX  showing my information was exposed to a data breach and a validation of debt letter.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> was notified of fraudulent activity on business checking account at XXXX. Did not see email until XXXX and call it to stop transactions but funds were already sent. At that time made XXXX XXXX  Notices on transactions. Also made police report with XXXX Department. Sheriff Department contacted the FBI. Met with FBI agent who later found out that these were transactions within the US, advised to wait 90 days to see if banks would return the money. Requested information from first call but was turned away since I talked to the FBI. After 90days started contact through the Regions Bank again to find out XXXX XXXX had responded with no return of funds. At this time sat on hold to get more specifics for all moneys. On XX/XX/XXXX finally received the breakdown of all dollars and to each bank funds were sent. Only one transaction received a response which was {$4700.00} in account number XXXX routing XXXX XXXX XXXX  customer name XXXX XXXX XXXX - no funds to return. Still waiting for response on remaining transactions- {$4600.00} acct number XXXX routing XXXX XXXX XXXX, {$4800.00} account XXXX routing XXXX XXXX XXXX, {$190000.00} account XXXX routing XXXX XXXX XXXX, {$160000.00} account XXXX routing XXXX XXXX  XXXX XXXX total of all monies {$390000.00}. Since XX/XX/XXXX have received no further communications from anybody. Tried last week to get update with nothing. Regions has made certain to continue to note " Returns can not be guaranteed. '' The other for mentioned banks have just not responded.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602.A . States I have a right to privacy.

15 U.S.C. 1681 section 604.A. Section 2 : A consumer reporting agency can not furnish account without written instructions.
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  XXXX   XXXX   XXXX , They have made wrong report to my credit report. My original credit is  Citi Ba nk account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and  XXXX   XXXX  recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   Ther e is two rea son that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.
Product: Credit card or prepaid card

This is fo r Citi Cards On   XXXX   XXXX , i tried to make a payment in the amount of {$5.00} ... whenever i have any extra money i immediately put it towards paying down my credit cards. I tried  two or three ti mes, but kept received an error that the website was down.     On  XXXX   XXXX , i decided to try it again. I noticed immediately I had a pending payment to them for  XXXX . I called right away to fix the problem and cancel the payment. I kept getting jerked around and transferred. Then told there was nothing they can do and to call my bank and they had to fix the problem. I called my bank ... .citi lied to me about that. We conference d in citi again  and we were told yet again they could n't do anything EVEN THOUGH I DID NOT EVEN MAKE THE PAYMENT.   On the morning of  XXXX   XXXX , my account was over {$1000.00} in the negative. I reached out  to Citi 's   social media and they had a "  specialist ''  call me. Again, after sitting on the phone and wasting my time, we once again conferenced in my bank ( who luckily is helpful ). I was promised yesterday that they would expedite their error and would be in my account today.   Again, i woke up this morning,  XXXX   XXXX  and not only was my account still in the negative, but now my NSF fees have hit.   This is disgusting and deplorable.  Citi Cards  committed fraud and need to pay for this. They are liars, they do n't care about the consumer, and they stole money out my account THAT I DID NOT AUTHORIZE.
Product: Debt collection

My identity was stolen by and misused without my content, this debt is also over 7 years ago SANTANDER XXXX contact company, no response...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : Transunion : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) XXXX : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )
Product: Mortgage

This company has been a headache the whole time I have tried to work with them. I completed an application a few months back when they were running a special for a free appraisal and a {$2500.00} credit. They cancelled my application, made me re-apply, and then said the previous deal no longer applied. 

After many discussions, we came to a worse agreement, but closer. 
We began to process the loan. They said I still needed to get an appraisal, even though my LTV was XXXX %. They said this needed to be a full-interior apprasial. 
When they attempted to schedule, I said I wanted to wait - which they said was fine. 

They charged me {$550.00}, which was said to be refundable until I scheduled the appraisal. 

Now, they have once again cancelled my application, this time when it was just short of approval, and did so yet again, without communication with me on their cancellation. They are now telling me that the {$550.00} is non-refundable and that they did a drive-by appraisal. This was not what was discussed and was not approved by me or anyone else. 

This company 's business practices and customer service are unacceptable.
Product: Credit card

I got a tax form mailed to my address with out filing with XXXX XXXX and im wondering if some one took a card out in my name please contact me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I after applying for a line of credit I was denied because of fraud alert thats not supposed to be on my equifax file in fact still is. After speaking with agent for XXXX min confirmed there was a fraud alert indeed still on my profile. I since file a federal complaint with my states attorneys office this is unacceptable. I also payed for equifax monitoring subscription. And was blocke out of that as well. I received a code stating that to contact them. With a the code XXXX. If my credit report is not restored immediately I have been advised to take legal action for defamation and violations under the fair credit act
Product: Vehicle loan or lease

I sent a check to pay off my car to Chase Finance and well it did not arrive on or around the time stated by the payoff date given over the phone. 

So I called and was able to pay off the car over the phone for XXXX on the XX/XX/2023. I asked about the check I sent and the customer support told me since the account would be closed by the time they receive my check they would just send that check back in the amount of XXXX this did not happen they cashed the check on XX/XX/2023 after the account was closed. 

I have called multiple times about this issue and they said the sent a check to me. I have sent them my bank stament showing I did not receive a check from them. every time I call they just say the same thing we will look into it. 

Chase XXXX Thank you for contacting us. We understand this can be frustrating and apologize for any inconvenience we caused. XXXX, we are reviewing your request that you sent to us and we have submitted it to the appropriate department for further review. I advised to check for the status of the initial check and have it resent if no further update is found. We appreciate you being a Chase customer. Thank you, XXXX Customer Service XXXX XXXX XXXX XXXX Original Message Follows :
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, during the pandemic I took a {$1000.00} credit builder plus loan from XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Loan number XXXX I broke my foot after taking this loan and was placed out of work for several months. When I returned to work in XXXX of XXXX, I contacted XXXX  customer service and they agreed to not submit this to collections, remove the escrow portion of {$500.00} of the loan. Since the escrow would be my own money returned to me and only require to repay the {$500.00} advance portion of the loan. We agreed to make bi weekly of XXXX to repay this, which started in XXXX of XXXX and was sent a confirmation email by the XXXX XXXX  representative, on this agreement. I made bi weekly payments from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I paid the loan off in full and have the bank transactions to prove this. XXXX  claims, on my experian credit report, that this debt was a charge off and have listed from XX/XX/XXXX until XX/XX/XXXX as each month was a charge off. On my XXXX account, the loan is listed as paid off in XX/XX/XXXX. XXXX I was offered and accepted another {$1000.00} credits builder plus loan shortly after I repaid this one on XX/XX/XXXX. They certainly wouldn't offer this to an account holder with a charged off account. I have disputed with Experian many times and have shown all the proof that this account was paid and not charged off yet it still remains the same. This was not agreed to as a settlement but a means to repay this and remain in good standings with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a 2020, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection 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 or other personal consumer reports

I filed mutiple disputes in regards to inaccurate reporting of information on my credit profile with all XXXX agencies they are continuously violating my credit reports the way that theyre reporting the same item but differently with inaccurate information on each report, the account listed is Credit acceptance with all the violations on my report they still refused to look into it!! I do not want to involve an attorney but this is getting ridiculoussince theyre all verifying accurate information why does my credit reports show different information with each bureau please look into this
Product: Credit reporting or other personal consumer reports

After disputing all three Credit Reporting Agencies, Trans Union Credit Reporting Agency sent me my investigation report stating that the Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -VERIFIED AS ACCURATE AND UPDATED. The problem is, that I disputed this company because I dont even know who they are and certainly dont owe them money. Original credit reports claim I owe them {$100.00}. The investigation report sent by Tran Union states I owe {$100.00}. This is bogus and a made up claim. In addition to all of this the other CRAs XXXX and XXXX has completely cleared me from the claim that I owe XXXX XXXX XXXX XXXX Trans Union should do the same. I received this Investigation report from Trans Union on XX/XX/year>. Also I did check my credit report at Trans Union but I no longer see this negative report from XXXX XXXX XXXX XXXX XXXX. Yet Trans Union sent me the investigation report stating that the information is verified as accurate. Very confusing. 
File # is : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX The following credit reporting agencies have three different Date of Last Payment. 

Experian- DOLP- XXXX XXXX-DOLP-XXXX XXXX XXXX-DOLP-XXXX As stated in the FCRA All information contained in my report must be 100 % correct.