23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I was a cosigner on a vehicle Auto loan for my brother back and I believe the date was XX/XX/XXXX which the vehicle was repossessed. now a week ago XX/XX/XXXX and receiving notification that I 'm to get a wage garnishment for this vehicle the debt at the time was about {$4000.00} left on the car loan and the garnishment is for {$22000.00}. I called the attorney Steven Einstein and associates Who represents a company that is on the garnishment called XXXX to find out what the debt was in when it was I asked them for documentation and they refused they said they will not make my attorneys job easier by sending me the documentation for the debt. They stated that they have a judgment against me so they do n't have to do anything but collect money at this point I was never served any paperwork for court and had no idea of the date of court. my understanding also at the time was that I was a comaker not the only person on the auto loan which the collection agencies now stating that there is nobody on the XXXX except for me. I believe it does that is over XXXX years old and I do n't understand how they can come after me XXXX years later for that that was n't even really mine in the first place. also how are they allowed to garnish my wages and not prove send any proof of the debt to me
Product: Mortgage

After reading their nonsense, they are not telling the truth. I have both returned receipts back and both signed on XX/XX/2024, and XX/XX/2024, by XXXX. Remember a bank can not lend money. Truth in Lending Act Section 102, 15 USC Section 1601. My signature created the money. If you feel that the above law is not correct, then send me full copy of the corporate records, full booking of account records, full financial records, a copy of the check or accurate bank transaction that showed XXXX XXXX XXXX paid for the vehicle, a full copy of the promissory note wet ink signature and a promise to pay letter. If you can not produce all of these records, then my cease and desist stands and close my account until you can provide me with all the documents and especially a copy of the check during the transaction that you purchased my vehicle. I am not making payments when I know it was bought and paid for by me. Common law is the law of the land. Not contract law, it is illegal. TITLE 15 USC SEC 1 states all contracts are illegal. I never received a loan for this vehicle because I never signed a check for that loan of the vehicle or never received any money deposited into my account to pay for that loan. I signed a promissory note. Code 9-102A65 states it has no recourse to pay back. The loan was already paid for by me. That promissory note was monetized. TITLE 12 USC 83A states the promissory note that I signed was cashed in to purchase this vehicle. Who created the promissory note? I did. Prove that you loaned me the money? I need the bank transaction and a copy of the check that you purchased this vehicle. Remember, banks can not lend money. If banks can not lend money, how did you pay for this vehicle? How? I created all the money that paid for this vehicle, that is why you can't present a copy of the check and bank transactions to show that you paid for this vehicle. Look up powers and duties of banks. It does not say lend money ; it says borrow money. Who did they use to borrow the money. They used my social security number and signature and borrowed the money from me and you're trying to get me to pay it back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX That your information was exposed in the data break.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( XXXX, XXXX  and Experian ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and XXXX  did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.
Product: Student loan

- In XXXX of XXXX, I placed my federal student loans, which were serviced by Navient at the time, into forbearance due to financial hardship. The " Reply Yes '' email I received ( see attached ) stated they would apply forbearance payments to all of my federal student loans that they serviced- not my private student loans. On XX/XX/XXXX, Navient fraudulently applied forbearance payments to both of my private student loans, which they also serviced ( see attached documents ). I never requested forbearance for these accounts. Because they decided to apply payments to my private student loans instead of only my federal loans, it reset the statute of limitations and the seven-year timeframe that those loans would remain on my credit report. They should have fallen off around XXXX, but my credit report now states that these accounts won't fall off until XXXX. 
Every time I dispute this, with supporting evidence, Navient refuses to remove the accounts from my credit report. They also retaliate ( or so it feels ) by updating my account with incorrect information. For example, Navient closed these accounts and charged them off as " bad debt '' in XXXX, but in XXXX of XXXX, after disputing this issue for the umpteenth time, they randomly updated my credit report stating that I missed a payment and am currently late- which tanked my credit score even further.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. These entries were not authorized by me and should be removed under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ). The details are as follows : Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$560.00} XXXX. XXXX - Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$530.00} XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$55.00} Fraudulent Inquiries XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit card

Got a notice of over due bill and returned payment on account i didn't open.Found out credit card was opened in my name without my knowledge or permission.
Product: Checking or savings account

XXXX XXXX XXXX has scoffed off with 6 months of my social security XXXX income by locking me out of account so I cant report disputes, cancel card on account, see anything account information except for the diwindling balance disappear and myself not able to eat or pay rent or anything all my government funding gone and only way to contact them is by email that you send over and over but no response or resolutions of any kind how to I even close such fraudulent accounts?
Product: Checking or savings account

Dear Sir/ Madam, It is currently XXXX XXXX in the PA Banking Commission XXXX We have received a contact from a previous consumer and wanted to touch base with your company to ensure that all is well. We have confirmed that a lawsuit was not filed against PNC. PNC has been soliciting XXXX XXXX in spite of a cease and desist letter being sent to your entity. The next steps will lead to a federal lawsuit. PNC has been told to leave XXXX XXXX alone several times. However, PNC never seems to understand the message. XXXX XXXX cashed the {$500.00} check at PNC 's approval. An agent from PNC contacted XXXX XXXX and had left a detailed voice message stating that the check was in good standing. No blocks or any adverse action was taken against the check. PNC is now blaming XXXX XXXX for stealing {$500.00}. If PNC does not leave XXXX XXXX alone, I will contact XXXX XXXX XXXX XXXX, NY ( DOJ ) to sue PNC for harassment and defamation. I am attaching this email that was sent by an employee in your company. PNC should have processes to keep employees under control. PNC is negligent as it has violated a cease and desist order. PNC must not make any more inquiries about XXXX XXXX to any Consumer Reporting Agency. PNC must mind its own business. I hope that you will follow this demand letter. Legal action will be filed if any provisions are violated in this letter. 
Sincerely, XXXX XXXX ( DOS ) PA BANKING COMISSION
Product: Credit reporting

Certegy Check Services wo n't approve or accept any of personal checks for payment of services or products due to my personal information being used fraudulently. I have sent numerous letters and police reports to Certegy Check Services informing them someone used my personal information and stole my identity to write checks in my name. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

For many years, I tried to resolve a mortgage loan with Shellpoint ( and others ). The problem was the mortgage amount had escalated so much it was now XXXX on an $ XXXX loan. 

However, instead of working with me, they gave me a modification of $ XXXX. That was unaffordable and stupid, as the house was not worth that amount. 

In comes a builder, who offers then $ XXXX for the house at a short sale. They take it- yet would not work with me at all. 

The short sale was complete on XX/XX/23. Yet still... nothing on the credit report. It takes 2 years from the date of a short sale to get another mortgage. Now am three months farther out from being able to obtain financing. 

Question # 1 : Why would not work with me but would immediately take a short sale?

Question # 2 : Why haven't you reported it to the credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 The account balance was paid in full in the amount of {$150.00} as per the documents provided It was promised to be deleted from my credit from XXXX, But south west credit systems refuses to provide a deletion letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received a letter from XXXX XXXX, XXXX sent to my parents home stating I have been served in regards to a lawsuit from Wells Fargo Bank, NA. I was never served! XXXX XXXX, XXXX. XXXX XXXX # XXXX XXXX stated in my letter that I was served. I have only received the letter she sent to the court. The lawsuit is against me and other people who are supposed to be heirs to a XXXX XXXX XXXX who is deceased. It is regarding a foreclosure on her property in XXXX, Florida. I am being sued to pay for her debt. I am not an heir to this person, I have no idea who this person is and I did not sign a promissory note. I live in California and this is in Florida. I do not know how my name is involved in this. The case number is XXXX in the Circuit Court of the Fourth Judicial Circuit in XXXX XXXX Florida. XXXX was fraudulent when stating I was served. I can not believe an Attorney would lie in a court document. I do not know how I am involved in this case as all I have is the copy of the letter she filed with the court and through my conversation with XXXX XXXX XXXX XXXX # XXXX ), who also works for XXXX XXXX, XXXX. I contacted Wells Fargo Foreclosure Department to find out why they are suing me when I've never been a customer of WFB. They then transferred me to XXXX XXXX at XXXX XXXX, XXXX.
Product: Credit reporting

By law the Credit Reporting Agency is required to investigate and validate all accounts reported on a credit report ... .they should be able to supply to person 's name who entered the information ... .the actual contract or physical proof that is in their files to support the information being reported, yet, they refuse to investigate and verify properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX {$75.00} XXXX XXXX - {$140.00} XXXX XXXXXXXX - {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ditech Mortgage Company is making it impossible for me to set up automatic monthly bank withdrawals to pay my mortgage. They have mistakenly input wrong bank account numbers on this account and blamed me for it and now claim that it is impossible to put the account on auto pay for 12 months even though I have another mortgage with them on the same bank account in good standing. As I travel internationally extensively, this is making it certain that I will miss payments and thus be charged late fees and receive negative credit reports. I believe they are intentionally doing so in order to collect late fees and their customer service department is unwilling to assist.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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Product: Credit card

A Bonus Award night benefit exclusively for card members was removed from the XXXX XXXX XXXX card. When I contacted them, regarding the issue they said that the annual fee could not be refunded and offered me measly XXXX points.
Product: Credit reporting or other personal consumer reports

-It has come to my attention that There are unauthorized hard inquires from : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. I did not authorized and I am requesting that all hard inquires be removed off XXXX, XXXX and EQUIFAX credit reports immediately. 

-Also it has come to my attention that my XXXX XX/XX/XXXX account is not reporting on my consumer credit reporting to XXXX and ask that XXXX account reflect on my credit report. 

-Also my XXXX XXXXXXXX XXXX opens XX/XX/XXXX account was removed off my credit report without my authorization. I'm requesting that XXXX XXXXXXXX XXXX account be reinstate and reflect on my credit report XXXX, XXXX and EQUIFAX. ( Accuracy of report ) 15 USC 1681e ( b ) USC 1681 section 604
Product: Credit reporting or other personal consumer reports

This account is not mine : XXXX XXXXXXXX XXXX XXXXXXXX ). I formally requested additional documentation under the Fair Debt Collection Practices Act ; I didnt get that. I asked to provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. I didnt get that A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. I didnt get that Your license and credentials to collect debts in GEORGIA XXXX I didnt get that Written notice of my rights to dispute the validity of this debt within 15 days under the FDCPA. I was expecting this requested information to be provided in full, but I didnt get nothing. How did you verify that it belongs to me with no proof? Please DELETE THIS ACCOUNT OFF MY REPORT. Also send physical copies of all documents to my address below. I look forward to your response within 15 days as required by law. Thank you.
Product: Debt collection

Request debt validation : I have no contract, no knowledge or agreement with Jefferson Capital System and did not give permission for anyone to share my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I recently review a copy of my credit report and notice I had fraudulent account on my report please remove these accounts from my report they are hurting my ability to obtain credit 15 us code 1692c 15 us code 1692g 15 us code 1681 e ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX XXXX that was closed and written off with a balance of {$3300.00} as of XX/XX/XXXX. XX/XX/XXXX I tried to dispute with Experian to get this old loan take off of my credit report. XXXX XXXX XXXX XXXX then increased my balance on a closed written off auto loan to {$4200.00} as of XX/XX/XXXX. This is fraud. You can't increase the balance on a closed account. I disputed this information with Experian and nothing was changed on my credit report. Please fix this is fraud.
Product: Credit reporting

XXXX has ALL collections through their company, all collection accounts are listed as a revolving type of debt. I have tried disputing this information through equifax. XXXX has listed this type of debt through equifax credit company. I have tried contacting Equifax with no response. Please have this company fix their inaccuracies for XXXX XXXX Medical Center, which are medical bills and not revolving credit accounts. In addition XXXX XXXX has an account listed without a date or amount owed, I find this questionable and am concerned about fair credit reporting practices this company conducts. They have made multiple inaccuracies on my credit report, causing my report to contain XXXX inaccurate information on my accounts. In addition, I would ask for CFPB conduct an investigation into the practices of this company and also remove the several innacuracies XXXX XXXX has reported on my credit reports. Please have this company also verify the original debt, because I do not feel they have this information in their possession making the debt removal necessary also. The fact remains this company is not following legal practices for credit reporting and should be audited for other consumers they may have affected. Sincerely, XXXX XXXX XXXX XXXX Please feel free to contact me regarding the investigation at either email, XXXXXXXXXXXX, XXXXXXXXXXXX
Product: Credit card

My wife and I were traveling from XX/XX/XXXX until XX/XX/2024. Since my account has a feature that sends me a text when a purchase is larger than {$50.00}, I received a notice on XX/XX/XXXX that a purchase of approximately {$170.00} had been initiated, something identified as XXXX XXXX. I was unable to log in to contact my bank on XX/XX/XXXX. On XX/XX/XXXX I receive XXXX messages from CITI Costco Fraud Dept about an attempt for {$250.00} and {$1000.00} ( both to XXXX XXXX ). I reached out to the Fraud Dept to verify that I had not attempted any of these charges. 

CITI removed the charges from my account and told me to cut up the card as they were sending a new card. I made charges in XXXX XXXX, NC ( hotel and dinner ) XXXX XXXX, FL ( hotel and restaurants ) XXXX XXXX XXXX, FL ( Parking Garage and restaurant ), XXXX, NC XXXX XXXX and restaurants ), XXXX VA XXXX restaurant ) as well a a number of gas stations.
Product: Debt collection

I received another call today from this company, they left a voice mail. They called at my home number both this time and in the past. They called at XXXX XXXX  on XX/XX/2022. Their call back number is XXXX. The called ID number was XXXX. The keep calling about a " Milestone '' account. I do not, and have never had an account with them and they have been unable to find me in their system by social security number. I have called them multiple times now and each time the agent says it is a mistake and they will remove the number but I keep getting calls from them.