23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted an FTC complaint in reference to my case. I recently attempted to order cable last month and was denied and told I would need a deposit if I wanted to move forward as a result of my credit rating. Upon reviewing my credit report in XX/XX/XXXX, I noticed 7  separate fraudulent accounts ranging from credit accounts to utility bills. I have been successful in removing 3 items myself, but there are 4 accounts that still show up on my report that do not belong to me. The accounts in question are as follow : XXXX XXXX account # XXXX, date opened : XX/XX/XXXX open balance : {$3100.00} ; XXXX XXXX account # XXXX, date opened : XX/XX/XXXX, open balance : {$290.00} ; XXXX. XXXX, XXXX account # : XXXX, date opened : XX/XX/XXXX, open balance : {$200.00} ; XXXX XXXX Bank account # : XXXX, date opened : XX/XX/XXXX, open balance : {$270.00}. Clearly these accounts are all over the place, nowhere in my real credit file do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of the companies listed. Nor have I allowed anyone to use my information to acquire credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be removed from my credit report. I have acquired a police report and submitted it with this complaint. I have also included a copy of my ID, social security card and an FTC affidavit as required in F.C.R.A Section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report from Trans Union and noticed that there were a few inquiries that I did n't recognize or authorize, XXXX XXXX BA XXXX XXXX, XXXX XXXX XXXX NA 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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

On XX/XX/2020, the payoff amount ( {$38000.00} ) payment was received by mortgagor but they have not released my lien.
Product: Student loan

I was a student at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I accumulated XXXX of debt in student loans. This school flat out lied to me. I was under the assumption it would have been less than half of that since I had a lot of credits that transferred, not to mention this school promised me job placement, which they did not! They told me I would be making a lot more than what I do. They gave me false information. The only thing this school did for me is put me in tons of debt and lied to me. I am a single mother of XXXX  and was so excited to get my degree. Until I graduated and realize how much they lied to me. The school is now shut down. Can I get these loans forgiven due to being lied to and given false information that basically pressured me into enrolling. If I would have known that my student loans would have been this high. I would have just stayed at the XXXX college where I did my prerequisites. I feel like I fool that XXXX had done this to me.
Product: Credit reporting or other personal consumer reports

MULTIPLE REQUESTS SENT TO AMERICAN EXPRESS TO CORRECT THE ADDRESS AND REFRAIN FROM USING FALSE ADDRESSES AND INFORMATION. HOWEVER, PER THE STATEMENTS/CORRESPONDENCE PROVIDED BY AMERICAN EXPRESS , AMERICAN EXPRESS IS CONTINUING TO USE A FALSE AND INACCURATE ADDRESS FOR THE CONSUMER 'S PERSONAL INFORMATION DESPITE REPEATEDLY BEING GIVEN THE CORRECT INFORMATION AND BEING REQUESTED TO REFRAIN FROM THIS INTENTIONAL ERROR. THE INTENTIONAL ERRORS INCLUDE : USING KNOWN MISINFORMATION ; USING UNKNOWN ABBREVIATIONS AND MARKINGS NOT APPLICABLE TO THE CONSUMERS ADDRESS NOR PROVIDED TO AMERICAN EXPRESS BY THE CONSUMER ; INTENTIONALLY USING FALSE INFORMATION DESPITE REPEAT ATTEMPTS TO CORRECT THIS ISSUE. PLEASE SEE ATTACHED NOTICE TO CORRECT AND PROOF OF CONTINUED INTENTIONAL ERRORS BY AMERICAN EXPRESS.
Product: Debt collection

I was contacted numerous times by a company called Phoenix financial. They were attempting to collect a debt that was from I believe XX/XX/2014 ( medical bills ). I am aware these bills fall under my states statute of limitations and was also disputed with the original creditors as having full insurance coverage. In XX/XX/2014 this was removed from my credit report due to a billing error. During these calls at least 100 of them! I was threatened with legal action. Now its on my credit report as three different collections for debts that were previously settled through a billing error from original creditors. They purchased an outdated and incorrect debt and now they are harassing me constantly. I have worked hard to fix my credit and now I have to repeat the same merry go round!? I have told them several times not to contact me but I am just met with malicious responses! The original dates were XX/XX/2014 for an amount of XXXX a second for XXXXand another for XXXX! And the original creditor was XXXX XXXX XXXX XXXX. Originally these were amounts not reflective of my insurance coverage. This was cleared up in XX/XX/2014 and new amounts billed and payed. And even if they were actual debts they have surpassed statue of limitations in the state of Virginia. I explained this to them several times but was ignored and continued to receive very intimidating and threatening phone calls. I even asked arent yall recording these calls? You cant threaten me like this?! Only to be told that was at their discretion!!??? What isnt that illegal?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXXXXXX 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Sir/Madam : I have been a victim of identity theft. Please review the attached documents related to this case and the completed identity theft affidavit. Additionally, please refrain from reporting and block any information associated with this case in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of this information within XXXX business days of receipt. 


Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SANTANDER CONSUMER USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SANTANDER CONSUMER USA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and SANTANDER CONSUMER USA with no successful resolution.XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Student loan

Sallie Mae basically refuses to offer any help to me since I have a private loan. My co-signer and I can not afford the {$1100.00} payment/ month. They have told me numerous times to apply for the " rate reduction program ''. Both times, we failed. I received legal advice from my attorney, and he says they 're completely in the wrong. When I told Sallie Mae that I have an attorney, they basically tried to cover their tracks and asked me to apply for this rate reduction program again. After leading me into forbearance for nearly a year, my total loans has gone up {$4500.00} in interest. I 'm out of options.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was, in fact, a victim of this data breach, and Equifax has done nothing. Please help me delete these illegal accounts from* my credit reports. 

Certified dispute letters were sent on XX/XX/2021 to remove inaccurate information. 

- XXXX XXXX charges {$10000.00} for unauthorized purchases. 
- XXXX XXXX XXXX charges {$620.00} for an unauthorized account. 
- XXXX XXXXXXXX XXXX charges {$3900.00} for an unauthorized account. 
- XXXX XXXX XXXX XXXX charges {$2000.00} for an unauthorized account. 
- XXXXXXXX XXXX XXXX charges {$1000.00} for unauthorized purchases. 
- XXXX XXXX charges {$17000.00} for unauthorized purchases. 
- Remove names and addresses that are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are failing to report that the following account is in fact In Dispute. XXXX XXXX/XXXX   XXXX  partial account number XXXX. XXXX  and Transunion are failing to report XXXX partial account number XXXX is in fact In Dispute. Transunion is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Money transfer, virtual currency, or money service

I submitted a complaint on XX/XX/year> and XXXX XXXX claimed he is not affiliated with the company. Please see attachments below! Please note on the fake document he emailed me His company which he is claiming he is not affiliated ( Bella Sloan Enterprises ) with, is referenced to top. XXXX XXXX is a LIAR and a SCAMMER.His profile on XXXX was the XXXX XXXX CEO, also XXXX, and XXXX. I also reached out the my State Attorney General, and the FBI. It appears he is involved in other salacious activities. The photo below was also email to the FTC, Florida State Attorney General, and FBI.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down 50 points for the last several months.
Product: Credit card or prepaid card

Synchrony Bank stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Synchrony Bank chooses not to honor their agreement, I elect arbitration under good faith and they pay the fees. I demand that all payments are returned due to the factual concealment of this agreement and under federal law, I wasn't supposed to make payments. Federal laws supersede the contexts of this agreement and the State Laws of Utah. A copy of this complaint will be sent to Alabama AG and Utah AG.
Product: Credit card or prepaid card

I have an Amazon Credit Card which is managed by Synchrony Bank. The bank is using a predatory late fee mark on my account even when I still paying the account and even when Im paying {$160.00} / {$80.00} twice a month. When I make the payments those payments are instantly debited, however, synchrony takes time to post to whoever dates they please, and probably for that reason the predatory late fees are on my account. 

I tried to speak and explain to XXXX XXXX XXXX and XXXX XXXX, a representative from the company and what he did was close the chat and refused to help me and look for other better solutions without the predatory fees, but in the end, this is what they do to steal money, charge late fees to keep the account up and the customer never end up paying the whole account for that reason.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Reported a late payment Account name XXXXXXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment - Original balance {$34000.00} Highest balance - Terms 72 Months Balance history XX/XX/XXXX {$1600.00} Balance {$610.00} Schedule payment {$680.00} Paid on XX/XX/XXXX
Product: Debt collection

XXXX XXXX  owes me money. They have garnished my credit score for a claim of thousands owed. They have in part made me homless, carless, and unhireable due to the debit I paid in full, reopened the bank account and am being told to repay the same debit after it was already paid settled. The XXXX XXXX fraud case for settlement of {>= $1,000,000} owed to consumers is what their trying to get away with SHYSTING people like me. I have suffered damages because U.S. Bank give my information to criminals with their FRAUD business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute by mail to Equifax on XX/XX/2020 regarding alleged collection account creditor XXXX XXXX XXXX. Equifax has not properly investigated this creditor as they claim it has been verified. Pursuant FCRA 623 I'm demanding this account be properly reinvestigated and removed from my credit report and file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian and XXXX to confirm and or remove a Chapter XXXX off my credit. It has been removed by XXXX. The bankruptcy will be 7 years old in XX/XX/XXXX. On previous reports they indicated that it would be removed by at least that date. Then they told me XXXX - who ever that is confirmed the bankruptcy was correct. that was not my request nor did I get the report I request from they by a XXXX XXXX. I have corrected my credit and on the right track since XX/XX/XXXX. On my credit report XXXX has the file date as XXXX/XXXX/XXXX - a mistake ; it was filed XX/XX/XXXX If XXXX agency can remove this why can Experian and XXXX. Especially with the recent breaches of millions of credit report. why would an unknown company have access to my credit file who or what is XXXX XXXX XXXX. Now that I'm looking at my credit all XXXX did was pull my credit report because they are on they as an inquiry. It's unbelievable these company are having another company pull my credit report to verify my credit report that they are report. HELP
Product: Vehicle loan or lease

Santander Bank violated the Fair Credit Reporting Act by submitting false information to XXXX and other credit reporting agencies. The XX/XX/XXXX payment was not late but reported late in the XXXX th day. Payments are reported 30 days past due if payment is not made in 30 days. My payment was made in XX/XX/XXXX since XXXX has 28 days and Santander reports at the end of the month and was careless not to falsely report the 30 days late pay. 

Additionally, Santander violated Federal and Stare executive orders not to charge late fees on car loan in XXXX due to Covid 19. Santander still charged me {$80.00} in late fees in XXXX despite President Trumps and Governor Cuomos executive orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

The uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the credit bureau on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$610.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$19000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}
Product: Mortgage

The complaint is regarding mortgage fraud. My name was added to a mortgage filed XX/XX/XXXX. My initials and signature were forged on the document. The notary unethically stamped the document. I never met the notary that stamped and notarized the mortgage. 
On XX/XX/XXXX I was served a summons by XXXX XXXX. The summons requested my response because it stated that I was listed on the mortgage. The attached documentation shows that my name was typed on a mortgage for a property that belonged to my mother in XXXX, Florida. It seems as she was modifying the mortgage on her home and she forged my name/initials on the mortgage. She was a XXXX XXXX and had made connections with people in the industry. I have never met the notary that notarized the mortgage document The notary and my mother committed mortgage fraud. The mortgage was date XX/XX/XXXX ans secures the note that my mother signed on XX/XX/XXXX for {$170000.00}. 
My mother did ask me to be placed on the deed of her home in XXXX, FL back in XXXX which I agreed to because she said it was for estate planning purposes. However, after a few years I asked her to remove my name from the deed because she was planning on leaving the home to her son. 
My mother died in XX/XX/XXXX and willed the home in XXXX Florida to her son. He took ownership of the property but decided to go into foreclosure. Due to the foreclosure process is how i came to find out about the mortgage fraud. Since my name was not forged on the note this information never came up on my credit reports. 
The summons names me and my spouse as responsible parties and I am seeking legal counsel to help us clear our names. I never had any interest in this home nor do I seek to have any interest int his home. I just want help getting justice for this criminal act. I work for the securities industry and can not have a foreclosure attached to my name. My husband is also an innocent victim ion all of this. Any help you could provide us would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Credit Acceptance Corporation has been reported on my Credit Report for years without my authorization to do so I have tried to resolve the issue by asking them for the debt validation
Product: Checking or savings account

After renting a vehicle from XXXX they hard posted the charges of my final bill but Sofi has not removed the pending causing my account to still be holding pending transactions after they stated they would be removed, the final transactions have already posted to the account but they are continuing holding my money pending as well. 

Final bill was provided to Sofi and still no resolution. 

Pending charges still on the account : XX/XX/year> - XXXX {$920.00} XX/XX/year> - XXXX {$43.00} XX/XX/year> - XXXX {$43.00} Posted charge for same transactions were : XX/XX/year> - XXXX {$1100.00} XX/XX/year> - XXXX {$37.00} The final was posted but the pending has not been removed causing me to not have funds available of over {$1000.00} causing hardship to my family. 


This is causing the funds to be unavailable even after being posted to my account.
Product: Debt collection

I XXXX XXXX am a XXXX XXXX XXXX retired woman. I along with my husband are on a fixed social security income. In addition, my husband has been hospitalized most of 2019 and is in a XXXX. I keep receiving invoices from a law firm located in Pennsylvania, claiming that they are trying to collect a debt from a debt buyer known as XXXX XXXX XXXX. The letter also claims that the original creditor was XXXX XXXX XXXX XXXX. I believe that this debt is so old that it can no longer be collected in the state of Tennessee. However, I can not pay this collection, and between my husband 's health and my own personal issues, I request a full history of this debt, including its sale to the debt buyer entity. I request forgiveness of this debt in exchange for a 1099C income against me and my personal income taxes. I simply have no money to pay on this invoice, and I along with my husband are in poor health. Thank you!