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

On XX/XX/year> Experian and XXXX received my identify theft report. XXXX received it on XX/XX/year>. I called each of the Bureaus on XXXX/XXXX/XXXX to check the status of my identity theft report. Some of the bureaus have removed some of the fraudulent information. Some had done nothing. The representatives advised me they had 30 days to investigate. I read the FCRA 605B ( 15 U.S.C. 1681c-2 ) which i also sent to them. Per the 605B they have 4 business days to remove said fraudulent information. I made sure to wait over 4 business days as a courtesy. I would appreciate any assistance you could offer in getting this resolved with all 3 bureaus as this is effecting my financial future greatly. I have done everything I am required to do by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

First lf all my ame is XXXX XXXX XXXX.In the list months i have tried to get more credit and they denied it the. Tried to get a loan and they denied it the person that submitted the loan i asked him why they denied everything and he checked and saw the social is wrong but the name is wrong i contacted experian and they sent a report of credit number XXXX with name XXXX XXXX id # XXXX, XXXX XXXX XXXX ID # XXXX, XXXX XXXX XXXX ID # XXXX I only have only one name XXXX XXXX XXXX and one social security i dont have account associated witt no one else I never lived in XXXX XXXX XXXX XXXX Nor in XXXX XXXX place i havent lived in XXXX XXXX XXXX those are not my directions the social number XXXX, are not my socials the last time i work in XXXX XXXX XXXX XXXX was is XXXX from there from i worked as a XXXX  XXXX and for XXXX XXXX in XXXX XXXX XXXX my phone number is XXXX i havent had an account with XXXX XXXX and another bank i found on this list. I only have a credit Crd from XXXX  And XXXX XXXX and XXXX XXXX XXXX XXXX XXXX i dont know what is the motive that this company experian has put me in these two account together When i dont have an account with these people the names of these people are common but the social are not it would be nice of you can get me out of this i have worked my credit then XXXX up to XXXX and today i found myself without credit because the company they suppose to have the information of the person that didnt do a good good with the info and have mixed the accounts of diffrent people only because of the name experian doesnt want to Fix this problem that i am in i will send a photo of my passport waiting for you to Fix this problem and a recipt of XXXX XXXX of XXXX that use for my finger print when you write back please write back in XXXX at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX Dear XXXX There is information on my consumer report that is a result of identity theft. 
I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact b me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  F Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later and I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In Section 611 ( a ). it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Vehicle loan or lease

I sent a cashier check to toyota financial on XXXX via us postal service using certified mail in the amount of {$10000.00} to po box XXXX, XXXX XXXX iowa XXXX. As of XX/XX/20 they have not process the cashier check and it is worrisome. They are providing me with different turnaround timeframes from XXXX business day to XXXX business and even XXXX business days. I submitted a complaint with them with reference number XXXX with operator ID # XXXX. 
I am attempting to pay off car loan right after they cash the cashier check of {$10000.00} ( principal payment only ) but unable to pay the remaining balance until they cash the {$10000.00}. In addition, daily interest is adding daily which. 

I want to ask Toyota financial to cancel off any additional daily interest from the date of XXXX present because my personal bank will be making a final payment on the remaining balance after the {$10000.00} is process. 

thank you, XXXX XXXX XXXX
Product: Credit card

At XXXX on the XXXX of XXXX, 2015, I received a call from a collector from Barclays Bank representing Barclaycard . The phone number that they call from was ( XXXX ) XXXX. I told the lady she was calling before XXXX eastern standard time, she hung up. I called back and the man I.D number XXXX claim that the lady that called me was I.D XXXX, and they were located in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not do a proper investigation into my claim, I have sent a police report, telling them I have fraud accounts on my experian report and they keep telling me its verfied, how are they verified, they are fraud. I ask them to explain how they verified fraudelent accounts and asked them to provide proof of the accounts belonging to me, and they can not. You need to remove these accounts now.
Product: Credit reporting or other personal consumer reports

Someone has access to my social security number and has been trying to put in applications on my accounts
Product: Debt collection

CREDITOR INFO RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX ACCOUNT TYPE Collection Account DATE OPENED XX/XX/2019 BALANCE {$120.00} ORIGINAL CREDITOR XXXX XXXX This debt isnt mine. Ive never had a XXXX account and Im right here in the middle of purchasing/looking for me and my XXXX children our first home.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXXBalance : {$810.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXBalance : {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX I know nothing of this debt, But I am constantly getting calls and mail In regards to this debt, I am a consumer and my rights as a consumer matters, If your organization is unable to help me, I will speak with my lawyer, I would like a response within 15 days please. 

XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX  A Account number : XXXX Date opened : XX/XX/2022 Account type : Open Account Status updated : XX/XX/2022 2022
Product: Debt collection

My name is XXXX XXXX and I have been contacted via mail by the company 'Receivables Performance Management LLC ' on a debt that is owed to XXXX XXXX. ' I have never had services with XXXX XXXX, nor ever resided at the address that the debt is tied to. 

I have contacted the collection company to let them know, it is not my debt- They advised to fill out a police report and contact the credit bureaus which I have done. The credit bureaus explained to ensure to reach out to the FTC which redirected me to the CFPB. 

The 'Receivables Performance Management LLC ' company has already taken a hit on my credit, when this is a debt that I do not owe. I am attempting to ensure all steps are followed correctly so this 'collection ' will be taken off my credit report correctly and in a timely manner. 

Thank you, stay safe. 

XXXX XXXX
Product: Debt collection

Recieved a debt collection letter dated XXXX claiming I owe $ XXXX XXXX XXXX. I have no knowledge of this company nor have they tried to reach out to me in any way. File XXXX Claim # XXXX. I am not liable for anything to XXXX XXXX or AFNI. I have never heard of this company XXXX XXXX and there is no loss data included in this letter.
Product: Mortgage

NewRez, which is an affiliate of ShellPoint Mortgage, charged my escrow account maintained with NewRez for Private Mortgage Insurance ( PMI ) for the months of XXXX and XX/XX/2020 twice. My PMI monthly payment is {$130.00}. The first time was charged on XX/XX/2020 for both months and then again on XX/XX/2020. After contacting NewRez via online messages twice in the last two months trying to resolve the issue, just today, I received an electronic secured message from ShellPoint stating ( Please be advised, Private Mortgage Insurance is paid in arrears. Your payments taken out were for missing PMI payments. We have determined that no escrow occurred, and we are not able to issue a refund. )
Product: Credit reporting or other personal consumer reports

Experian report that i have 2 auto loans ( XXXX XXXX XXXX and XXXX XXXX ) i try to dispute these with Experian but the results are that the account remain and these accounts are not mine.
Product: Credit reporting

There is XXXX on my credit report that I feel is inaccurate in its filing. As a XXXX, I am protected under the XXXX of 2008 and therefore should not be reporting as a derogatory. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX '' for XXXX years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit and hindered my military XXXX actions. I feel as a XXXX military entity that I have forfeited my XXXX and XXXX abilities for the government and I find it unworthy for the credit reporting agencies are not being held accountable to the law. I am requesting that CFPB advocate for me in this challenge.
Product: Credit card or prepaid card

The closing statement of XX/XX/XXXX there was a XXXX limit on my credit limit. Then on XX/XX/XXXX i check my balance and the limit went down. Call in and spoke with a supervisor XXXX XXXX he said that he dont know why this has happen. Then he said its because the credit bureau told them to drop his credit from XXXX to XXXX. First of all we didnt give them permission to access his credit repoert. So for 3 years we had a limit of XXXX now as of XX/XX/XXXX limit XXXX. What we have going on his credit dont have any thing to do with his credit. We already have a established credit and we pay on time for 3 years now.We want our credit back this isnt fair.Is this how they do they loyal customer
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.
Product: Debt collection

After filing a complaint on yesterday with CFPB in regards to repeated phone calls and a cease and desist, I received a response from CFPB this morning in which the company stated that they have ceased calling my family and friends and will continue to call me. Well, that has been determined to be a lie. All 3 of my references received a phone call on today, XX/XX/2020 but I, personally did not receive a call. I called the office and told the lady that I would call in everyday that way she did not have to call me and she stated that she still was going to call me and all of my references EVEN IF I call the office each day until payment is made, which makes no sense if I have already informed them by calling of the status of that payment. This further proves my harassment claim. The fact that they would blantantly lie to a government agency speaks volumes for the moral of this company. I do not understand their obsession with defrauding the government by providing information that they knew was not true.
Product: Checking or savings account

Recently I cancelled all reoccurring online bill payments, not just for a month but permanently and then all of a sudden bill payments are still being made like Id never cancelled the reoccurring payments and this had been done to me once before and I never said anything and speaking to anyone via customer service was like talking to a wall
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses that I have no association with has been added to my consumer report and Ive called serval of time to ask why and haven't gotten an answers. I even call credit furnisher and they gave me the run around to re contact the source of the companies that gave this false information XXXX XXXX XXXX XXXX Wrong address being reported on my reports XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I noticed billing discrepancies on my credit report, including late payments that dont reflect my habits. Please review and correct them.
Product: Credit reporting or other personal consumer reports

Im victim of XXXX XXXX debt bondage, which falls under XXXX  debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly ask that you remove and block all information in 4 business days. Pursuant to section 605C of the Fair Credit Reporting Act. List of fraudulent accounts, 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

Experian is refusing to provide proof of the debt owed that was remitted to them via a company by XXXX XXXX in XXXX, North Dakota. I have tried numerous times to gain compliance from XXXX XXXX to no avail. They refuse to respond to legal documents, certified letters and so forth. They are refusing to provide any proof of the debt owed not only to me, but to Experian as well. There is over {$11000.00} in unverifiable debt not only on my report, but my husband 's as well as they are claiming that this is joint debt.
Product: Credit reporting or other personal consumer reports

I was shocked to see that this morning, incorrect accounts suddenly appeared on my credit report, and I have no clue how they got there. I checked my report like I normally do, but this time I found discrepancies that came out of nowhere. I even refreshed my browser, hoping it was a glitch, but the wrong accounts were still there. Im really concerned about this and need the documents I submitted to be thoroughly reviewed, so I never have to worry about this again.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I respectfully request the immediate blocking and deletion of the following fraudulent account from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). This account was opened fraudulently in my name, and I am requesting its removal from my credit file. 
Fraudulent Account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS 11 XXXX XXXX not mine 12 XXXX XXXX XXXX XXXX not mine Identification already on file. Please sent me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my credit report for the first time and notice a bunch of unauthorized Hard Inquiries. I did not authorize these XXXX Inquiries nor do I know how they are on my credit report. I have filed a indentity theft on identitytheftgov and I have attached it to this complaint and i'm requesting that these XXXX Inquiries be removed from my credit report expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find attachments that XXXX and XXXX did not permit loading.
Product: Mortgage

I have a loan with CMC. SLS is the servicing company. I can't communicate with them because they use archaic practices of verifying information that put my identity at risk. SLS has stopped sending paper statements. I want to continue to receive paper statements as their online system is absolutely terrible. They don't even provide an option to opt in for the paper statements. What the company should have done is give people the option to opt out of paper statements, but SLS/CMC never does the right thing by the customer.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I got a loan through VyStar Credit Union, provided proof of insurance that the dealer required, and so on. The loan shows it was populated on XX/XX/XXXX. My first payment was due in XX/XX/XXXX. After paying my loan payment on time for XXXX and XXXX, I noticed it said my loan payment due was wrong, but I kept paying the correct loan payment amount to not be late. Then in XXXX I decided to make an online account instead of paying the loan without one. I saw " CPI - Collateral Ins '' charges of XXXX XXXX per month on my loan. I never received any communications from VyStar about this at all. I then contacted them and was informed I didn't have proof of car insurance. This is the very first time I ever heard anything about this. My proof of insurance was submitted with my dealer when I bought the car in XXXX. I followed their steps and submitted my proof of insurance. During this time, they were putting XXXXXXXX XXXX per month late charges on my account, presumably because they were charging me XXXX XXXX  per month on top of my payment. None of this was ever communicated with me. Now we're in XXXX, I check my account. They sent me one refund of XXXX XXXX  to my Savings account instead of just removing it from my loan? My loan still shows 3 late fees due and XXXX XXXX on my loan history.
Product: Bank account or service

After opening a credit card with Citibank, I began receiving marketing materials via mail for checking and savings accounts. One of these marketing letters stated that I could receive XXXX XXXX XXXX miles for opening a checking account, if I fulfilled a specific criteria relating to purchases and bill payments. I opened a CitiGold checking account under one of the promotions. I researched this account in full online, and one concern was that Citi had a bad track record of honoring the promotion offers that they were using to recruit customers. After opening the account, I called to speak with Customer Service to ensure that they the account does have the promotion on there and that I am good to go. They confirmed this. Fast forward 4 months. I have completed all of the criteria for meeting the promotion bonus, yet I did n't receive the bonus miles in my account. After speaking with Citi, they claimed that the account was never opened under a promotion. I filed a complaint, to which they have responded twice with the same copy & pasted letter. Despite my attempts to direct them to listen to the call where their employee confirmed that I did in fact have this promotion on my account, they refuse to honor the promotion bonus. I feel tricked into switching my checking account to them under the promise of a bonus, and now they are refusing to honor this.