23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I noticed two small deposits on my bank account from XXXX XXXX. 

One was for {$0.00} and was for {$0.00}. 
I immediately on XX/XX/2022 ( and I mean within minutes ) called and reported this as fraud to my bank. They then froze my account and I Transferred all my money to a new account. 
I then called XXXX customer service on XX/XX/2022 to report this and left a voicemail with their loss prevention department. 

XX/XX/2022 I received 3 debt collections notices in the mail from TRS Recovery Services. 
XX/XX/2022 {$68.00} and {$110.00} ( these both include {$30.00} interest fees ) Dated XX/XX/2022 there was a charge for {$100.00} ( again with {$30.00} interest ) I filed a forgery report on their site, and then called customer service. I was told it takes 30 days to review and that they do not report to credit bureaus. I have looked online and it says they DO report to credit bureaus so I have been lied to by them. I see they have also faced major litigation in the past for breaking federal debt collection laws. 

XX/XX/2022 I emailed XXXX customer service to inform them of the fraud and security breach in their system. They said they would forward the info along. 

XX/XX/2022 I received 5 more debt collection requests in the mail. 
I called customer service at XXXX and was transferred to 7 different individuals, I finally was told someone had opened a credit account in my maiden name with my bank account number ( that account has been closed since the first deposits ) and those transactions all bounced but the fraudster was still able to receive goods. 

My account mind you had not showed any pending transactions at all, and all of them must have bounced hence the debt collection attempts. 
On this same day I have also emailed with multiple individuals, called back and spoke to 2 more people, and left a voicemail with loss prevention again. 
They told me that my card was " disabled '' but were not able to cancel it due to the fact I did not have the card number or the phone/email associated with the account. I do not know that information because I did not create the account and do not have the card in my possession since I am being impersonated. 

These notices from XX/XX/2022 are highlighting charges as follows, all of these totals include the {$30.00} interest fees : XX/XX/2022 {$78.00} XX/XX/2022 {$110.00} XX/XX/2022 {$64.00} XX/XX/2022 {$100.00} XX/XX/2022 {$100.00} I asked for a record of the transactions that are being claimed against me from XXXX and they told me that loss prevention might be able to provide it. They have not responded. 

I have filed a complaint with the XXXX  as of XX/XX/2022 as well.
Product: Credit reporting or other personal consumer reports

The late payments reflected do not align with my regular payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX 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

Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
Product: Mortgage

Both my husband and I have been put on XXXX in the past couple years, we lost a good portion of our income and are paying a outrageous amount for health insurance. We were in the process of getting a home modification loan through XXXX XXXX XXXX when they sold our loan to Seterus. We are behind our mortgage for the months of XXXX XXXX XXXX, we have been bombarded with foreclosure notices from both XXXX XXXX XXXX XXXX Seterus. We have researched the reputation of Seterus and it appears that loan modification loan approval rarely happens.We would like someone on our side, we ca n't afford a lawyer, but it would be nice to have someone watch and make sure we are n't taken advantage of and lose our home.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute XXXX late payments reported on my credit reports by XXXX during XXXX XXXX XXXX period. 
These payments, marked late on : XXXX XXXX 30 Days Late.- XXXX XXXXXXXX 30 Days Late.- XXXX XXXX 30 Days Late.- -XXXX XXXX - Account Number : XXXX Have been inaccurately reported by both Experian, XXXX and XXXX have severely impacted my XXXX XXXX. I am seeking assistance for their removal based on protections outlined in the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 
Background of the Account : Due to financial hardship during the XXXX pandemic, I encountered unexpected challenges that made timely payments difficult. During this period, I understood that creditors were encouraged under the CARES Act to provide accommodations for those financially impacted by XXXX, including continuing to report accounts as current when payments were deferred, or forbearance was granted. Experian, XXXX and XXXX, continued to report these payments as late, despite the economic strain caused by the pandemic and the expectation of flexibility. 
Request for Immediate Correction under the CARES Act : The CARES Act specifically mandates that creditors offer accommodations to consumers impacted by XXXX by maintaining current account status during agreed-upon relief periods. I believe Experian, XXXX and XXXX failed to follow these guidelines and, as such, has inaccurately reported late payments. 
Given that these late payments occurred during a pandemic-related hardship ; I am requesting that these entries be removed from my credit report. 
Violation of Fair Credit Reporting Act ( FCRA ) Standards : The FCRA mandates that all information reported to credit bureaus be accurate and fair. Reporting these payments as late is not only inaccurate given the conditions of the CARES Act, but also fails to reflect the reality of my situation during a federally recognized period of financial strain. Reporting these late payments, when they should have been classified as current under accommodations, is therefore misleading and in violation of FCRA standards. 
Truth in Lending Transparency Issues : The Truth in Lending Act ( TILA ) requires creditors to act with transparency and fairness, particularly in times of economic hardship. During the pandemic, Experian, XXXX and XXXX did not adequately communicate options for accommodations or relief, despite the extraordinary circumstances. As a result, I was not provided with fair access to options that could have helped me avoid these late payments. 
Resolution Requested : Considering the CARES Act, FCRA, and TILA guidelines, I request that the CFPB review this case and require Experian, XXXX and XXXX to remove the XXXX late payments from my credit reports. 
Thank you for your time and assistance in correcting this matter. I look forward to a prompt resolution that accurately reflects my credit history. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX
Product: Credit reporting

Transunion is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.
Product: Credit card or prepaid card

I did not authorize, consent, nor give permission for charges and transactions incurred on my Capital One account # XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Payday loan, title loan, or personal loan

XXXX XXXX XXXX / XXXX / {$5500.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX  XXXX XXXX / {$0.00} - {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Money transfer, virtual currency, or money service

I am victim of a landlord scam. I man posed as being an owner of a property that I currently visited. They sent me an online application to apply to see if I qualified for renting their property. I then XXXX  him the application fee which he stated that can be refunded if I choose to cancel the process. Later he asked for a XXXX deposit fee to have the house. I told him that my bank is in a pending status and he said I was being difficult. I then cancelled my pending payment and asked him for a refund because I found out that the property which I viewed did not have a landlord rather it is being rented out through an agency named XXXX XXXX I asked the agency if XXXX XXXX was afflicted with them or the landlord and they told me they had no such records of that name. I keep asking for my money back but he wont do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX  credit report is showing i owe td auto finance XXXX dollars.?? 

but i dont understand how i owe td auto any money if the car was repo and sold at auction cause i saw this car was sold on XXXX so the balance should be XXXX 

i do not owe td auto any money..
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A COLLECTION ACCOUNT ON MY CRDIT REPORTS FROM A COMPANY NAMED XXXX XXXX, I AHVE EVER HAD ANY TYPE OF ACCOUNT WITH THSI COMPANY, THIS COMPANY VIOLOATES ALL OF ANY PERSONS HIPAA RIGHTS BY REPORTING TO THE CREDIT BUREAUS.,
Product: Mortgage

To whom it may concern : Amount collected to Escrow account with the monthly payment was initially calculated incorrect.

I summited my first request after the closing. In XX/XX/XXXX I summited my second request with explanation and documentation.

Based on XXXX tax bill Total Tax Bill amount is {$4400.00}. It should be {$360.00} per month.

It was provided by me. They promised to do escrow evaluation and update it. Nothing was done.

I sent them a new request recently. Based on XXXX tax bill Total Tax Bill amount is {$3700.00}. It should be {$310.00} per month. It was provided by me. Nothing was done.

I also made a several phone calls to Customer Service without any success.

I had been ignored for almost two years now. Lender keep collecting double amount in to escrow account. It is really effecting my budget in mortgage payments.

Please assist with correction of amount calculation based on the actual correct Property Tax Bill. I need them to send me a new monthly statement with the correct amount. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I terminated a vehicle lease on XXXX. I took out a new lease on a new vehicle that same day. Lexus Financial Services continued to electronically withdraw, for the next 2 months, money from my account to apply to the car which was returned even though I was free from further financial obligation, and even though I went online to close their access to electronic withdrawals. They reported me once late as " past due '' payments to the XXXX credit reporting agencies, then circumvented my web account management to take money from me. Over a dozen calls to them get no resolution : promises aplenty, but no resolution. Their various departments at LFS do not seem to be able to communcate with each other effectively to solve what should be an easy issue : termination of XXXX lease and initiation of a second.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to update my personal information and they refuse to do so. I do not receive mail at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inquiries on my credit report after I pulled my report. 

on XXXX there is 3 inquiries I have no knowlodge of XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...
Product: Debt collection

This company continues to report an account on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just bearing my name, and address as I am a victim of identity theft. They continue to report this collection account to the credit bureaus. I have sent a multitude of request to accurately validate this account and send me verification of it, yet they choose not to. THIS ACCOUNT DOES NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING IT ON MY CREDIT REPORT!! THIS ACCOUNT IS NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to this account, and the blatant disregard of my rights!
Product: Debt collection

This account has been illegally reaged. I first found out about it when I attempted to lease an apartment and was declined. Most complexes go back about 2 years however, this particular company shows up as being recent XXXX XXXX. I have not lived at that apartment in almost 2 years and I first started receiving calls about the debt XXXX XXXX. So now every time my credit is checked I.Q. Data comes up as being recent and it is not recent.
Product: Credit reporting or other personal consumer reports

I am writing to formally request all documentation and notifications sent regarding the repossession of my vehicle, which is reflected on my credit report. I demand the following : A copy of the original contract bearing my signature. 
A complete audit of the account, not just account statements, detailing all transactions, fees, and charges. 
A copy of the IRS Form XXXX showing that Santander charged off this account and sold it to XXXX XXXX XXXX who is now pursuing payment. 
Proof of any insurance claim filed and collected by Santander related to this account. 

Under the laws of the XXXX XXXX XXXX XXXX XXXX XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shortly after the XXXX breach settlement of 2017 I incurred massive unauthorized charges across the board in my credit accounts and utility accounts. It is the fiduciary responsibility of all cras to look into the matter and make sure that it is available that. I have attached an FTC for report in regards to the manner and look forward to the resolution and the maximum time allowed by law 5 days being properly executed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report on XXXX XXXX and I saw that there was a hard inquiry from XXXX XXXX XXXX XXXX on XXXX XXXX, 2017. And I wanted to dispute this action, I have not attempted to open an account with them at all.
Product: Student loan

I am a co-signer on a loan # XXXX for my daughter with Navient. Her name is XXXX XXXX. It is a college loan. For some reason, she was 60 days past due. 
I was not aware of this until Navient reported it to XXXX. My score ( have excellent credit ) dropped from XXXX to XXXX. I feel that this action is unwarranted and unfair to me. 
I am being penalized because she as an adult failed to make the payments.She is a XXXX and this is her loan. I have contacted Navient ... they will not correct my credit score.This has been extremely upsetting to me and my husband died in XX/XX/2017. 
I am going to need this higher score to purchase a car. 
What can be done about this ... .I really need your help to clarify this situation. 
Thank You, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, OH XXXX email : XXXX XXXX
Product: Credit card

On XX/XX/year> my sister and I went to XXXX XXXX XXXX to finance a couch. Once we figured out which couch we wanted we spoke with an employee and they helped us to see who would qualify for a line of credit. I got approved so we went ahead with the financing through me. The couch had a promotion on it for XXXX  months of interest free payments and the employee had also explained to us that if we made sure to pay off the couch before the XXXX  months we would not receive any interest upon the couch. The XXXX  bill comes on XX/XX/year> and we pay our money but when the billing statement comes, my sister realises that there was a bunch of interest placed upon our payment. I intended to look into it but the months of XXXX and XXXX were very hectic so we didnt figure out what was really happening until the month of XXXX. We reached out to both XXXX and XXXX and both of them gave us the runaround, blaming the other party. XXXX said XXXX is the one that we needed to contact in order to honour the promotion. We werent able to get in contact with the store via phone so we physically went to the store on XX/XX/XXXX. XXXX said that they werent able to do anything on their end and we needed to get in contact with XXXX. They also called XXXX while we were there and another agent told XXXX they needed to handle it. Another issue with this is when the sale was being made I was not informed that I would be opening a credit card. I was just told that this it is a card that I need in order for me to make payments on the couch. Under false pretences about the sale, as well as the promotion for the couch not being honoured, I would like something to be done. When we visited XXXX early XXXX, an employee sent out an email to see if anything could be done. She did a follow-up email XXXX days later and no one has responded to that email to date.
Product: Credit reporting or other personal consumer reports

I contacted Experian 's phone number and told them I had XXXX unauthorized hard inquiries that I know nothing about and I would like to dispute them and get them taken off my credit report and they told me there was nothing they could do about it and I had to contact each of the companies that tried to investigate my credit report and try to get information and that these companies would have contact Experian directly and say and do paperwork stating they didn't authorize it. I have no accounts with any of these companies and Experian refuses to help.
Product: Debt collection

LVNV Funding LLC I do not know who this collection agency is. As I have never been in agreement to work with them. Could you please provide me evidence stating that I have signed any sort of agreement with said company.