23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received letter dated XX/XX/2023 from Amsher Collection Services stating that I owe XXXX {$500.00} and also received an email from this same Company XX/XX/2023 Amsher has an address listed for me in XXXX Kentucky and I have never lived in Kentucky I was born and raised in Michigan. XXXX has confirmed with me that I do not owe this amount to them and has never sent anything to collections in my name I have never heard back from this agency if this information was removed from their files. Another reason why this debt is not mine is that I do not spell my name the traditional way it is spelled XXXX NOT XXXX
Product: Debt collection

I recently pulled my credit report from all 3 bureaus and Wakefield and Associates located XXXX XXXX XXXX XXXX, TN XXXX. Reported and alleged medical debt as a loan to XXXX   XX/XX/XXXX. In reference to a date of service of XX/XX/XXXX. Sine this has been reported $ XXXX monthly has been added to what's due. Original amount was {$680.00} with a balance of {$760.00}. I contacted the debt collector as was told that they could settle on XX/XX/XXXX for {$610.00} if I made the payment while on the phone. The rep also stated that it was an ER visit, then XXXX visit which drew suspicion with me. I was then told by the debt rep. that a claim was submitted to my insurance company ( XXXX ) and it was denied. I then politely ended the call and contacted XXXX who researched this information and did not find a hospital claim or physician claim for that date of service or amounts in question. XXXX also checked denied claims and it didn't exist. XXXX also informed me that you CAN NOT charge intrest on a medical debt. I then followed up with the XXXX and XXXX Hospital Billing and it was NO debt for this. Nor, do they deal with this company.
Product: Mortgage

I received an email to potentially refinance with Freedom Mortgage, my current lender. I asked repeatedly if there would be any fees associated with a refinance and I was told No on a recorded line. With that information I agreed to run my credit to begin the application process. 

5 minutes after I hung up I received a call back saying there was a mistake and there would be a {$3000.00} fee. That changed everything but my credit was already pulled. 

I asked to speak to a manager and they say they would talk to their legal team to remove the inquiry. 

Ive called multiple times to follow up and have received nothing.
Product: Debt collection

XXXX XXXX XXXX stated they had no debt with me yet Plaza services and XXXX XXXX XXXX are trying to seek money owed after the company stated I did not owe them. I don't believe the amount they are seeking is accurate and I've not received anything in the mail and the notice is sent to my email. 
In 2021 I filed complaint against oak title company, the response from them was there was no debt to them. I was XXXX  and XXXX  during this time and could not receive mail or supply any more information due to homelessness, XXXX XXXX XXXX and my wife XXXX XXXX XXXX didn't receive anything. She also left the state of Idaho and has tried to bankrupt me on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

DURING THE YEAR XXXX, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since XXXX, on numerous occasions almost every month, I have filed disputes after disputes to Equifax, XXXX  and XXXX  Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with XXXX  2.  XXXX  XXXX XXXX {$6000.00}. with XXXX & EQUIFAX 3. XXXX XXXX XXXX XXXXXXXX {$4000.00}. with XXXX I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER MY NAME.
Product: Credit reporting or other personal consumer reports

For the past few months, my credit report has been showing an account under the name CREDITACPT ( XXXX ). This is a XXXX-balance account that I canceled properly and legally at the time ; however, it continues to be reported as a charge off, which has significantly affected my credit score, harming me financially. Based on my research, several sections of Title 15 of the USC are being violated by this company 's actions. I have sent disputes to them by mail, but their response was that there was nothing to correct. Therefore, I am submitting this complaint based on the sections that I believe are being violated under Title 15 of the USC 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I contacted them via their website. Someone emailed me back and said they would get back to me, but no one never did. I then sent a fraud report letter to the company 65 days ago, and still no one has contacted me. I did not take out this PPP loan. It's fraud.
Product: Debt collection

I have been in the process of dispute with Affirm since XXXX XXXX. The company has made no progress on my case despite having taken all possible steps and submitting all possible evidence and supporting documents that can be shared in order to substantiate and prove my claim. I still and always will hold that I am not the individual who opened nor profited from this account and therefore I will continue to dispute it for as long as need be. However, I have been in the process of disputing this fraudulent account from my credit report for 7 months now and yet no solution has been provided to me on Affirm 's end. The only thing they have been helpful in is taking me in circles and referring me to entities such as XXXX XXXX XXXX and First Source Advantage because the debt was " charged off/sold to '' these third party collectors. I am having to call both these companies back and forth because neither are willing to take my claim as legitimate and furthermore deny responsibility for the reflection of the derogatory information fraudulently portrayed on my credit report. My XXXX XXXX agent and I keep trying to contact these entities in hopes of moving forward with my case but it seems like no one is taking the issue at hand seriously. I have previously submitted a complaint through the CFPB and Affirm responded that my process has been delayed due to " agent error. '' They claim that submitting an affidavit form should help substantiate my claim... I have sent 2 affidavit forms in the past along with other supporting documents, and then again immediately following their response to my complaint. The 30-day window has now passed... evidently the company holds little regard for my time-sensitive situation as nothing yet has been advanced in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fradulent credit account was opened in my name in XX/XX/XXXX by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The current amount listed on my Experian Credit report is {$1500.00} as of XX/XX/XXXX. A hard inquiry was also made and placed on my credit report on XX/XX/XXXX. I first contacted XXXX in XXXX when I received a XXXX credit alert about a new account. XXXX asked that I provide my social security number and I informed XXXX that this was not my account. XXXX said they would look into the situation and get back to me and they did not. I contacted XXXX again and they said I would have to dispute the account with the credit bureau reporting the account which is Experian. In XXXX I wrote and sent a certified letter to Experian stating that this was a fraudulent account and both the XXXX inquiry on XX/XX/XXXX and the account be verified or removed immediately. After 30 plus days, Experian sent me a letter and a credit report stating that the account had been verified which is incorrect and false. Experian refused to remove the account. My credit score has dropped from about XXXX to XXXX and this is preventing me from getting lower interest loans and credit cards. This is cost me about {$300.00} per month in interest.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I fell behind on my payments with Avant credit card and contacted them to see if they had any available programs to get caught back up. I was advised of this re-aged program and was told that I would have setup a payment arrangement in order to get back on track. I had concerns regarding the late fees assessed and was led to believe that I wouldnt incur late fees as long as payment is made. I received my bill and noticed that I received a late fee. I called to speak with a supervisor and was told that one would call me back, however, one never did. I called again and was told that I would be subject to fees because I am not making the minimum payment due. How can that be if myself and the company agreed upon a payment arrangement. I feel like I was misled by the company and they are not honoring the agreement. What sense does it makes to be in a program for which the goal is to bring the account current and get caught up on payments. It seems like the goal is to keep someone owing because the account will never get current because the payments I will be making is essentially isnt going to make a dent in the balance because of late fees they are going to charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues report inaccurate personal information about me and continuously reports inaccurate accounts on my credit file. I have tried numerous times to ask that they investigate per the FCR A 611 ( a ) ( 6 ).  None of the dusts have ever had a proper method of verification where as they would 've provided me with PHYSICAL documentation and proof of these accounts. They just state words like remains, verified, and meets requirements of the FCRA. In no way shape or form is that a verification. These accounts are not and have not been verified and I have provided documentation that I am again providing along with my identification to delete thees inaccuracies.
Product: Credit reporting or other personal consumer reports

Flagship acceptance shows an inquiry on my credit on XX/XX/23 I DIDNT APPLY FOR THIS ACCOUNT, I WAS A VICTIM OF THEFT, MY IDENTITY WAS COMPromised, Most people will say this is petty, but i have an awesome score and take great pride in my credit. Im asking for an immediate removal of the inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment on my credit report by XXXX XXXX XXXX XXXX, account number XXXX. This late payment, allegedly from XX/XX/year>, is incorrectly reported, as my payment history with XXXX XXXX has been consistently timely and current. The reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Equal Credit Opportunity Act ( ECOA ). 

1. Fair Credit Reporting Act ( FCRA ) Violations : The FCRA ( 15 U.S. Code 1681 et seq. ) requires that consumer reporting agencies maintain accurate and complete information. The inaccurate report of a late payment in XX/XX/year> is a violation of 15 U.S. Code 1681c, which mandates that only accurate and verifiable information be reported on a consumer 's credit file.

Under 15 U.S. Code 1681i, I have the right to dispute any incorrect information on my credit report. I am requesting an investigation into this discrepancy, as I can confirm that no payment was late during the specified period.

2. Fair Debt Collection Practices Act ( FDCPA ) Concerns : The FDCPA ( 15 U.S. Code 1692 et seq. ) emphasizes that all debt-related communications be fair and transparent. The misreporting of a late payment, especially when incorrect, constitutes a misleading representation and a violation of 15 U.S. Code 1692e, which prohibits false and deceptive practices in debt collection.

3. Truth in Lending Act ( TILA ) Violations : The TILA ( 15 U.S. Code 1601 et seq. ) promotes transparent and accurate credit disclosures. The reporting of a non-existent late payment obscures the transparency required by TILA and misrepresents the terms and status of my credit relationship with XXXX XXXX. 

4. Equal Credit Opportunity Act ( ECOA ) Implications : Under the ECOA ( 15 U.S. Code 1691 et seq. ), I am entitled to equitable treatment in all credit-related matters. The inaccurate reporting of a late payment can unjustly impact my creditworthiness and limit my access to credit opportunities, thus violating my rights under the ECOA.

5. Request for Investigation and Correction : In light of these considerations, I am requesting that XXXX : Investigate the alleged late payment reported by XXXX XXXX XXXX XXXX and verify its accuracy with supporting documentation. 
Correct the erroneous late payment entry to reflect my actual payment history, which is current and on time. 
Provide written confirmation of the investigation 's results and any corrections made to my credit report. 
Enclosed with this letter are copies of my credit report, identification, and any supporting documentation, such as payment receipts and account statements, that demonstrate my timely payments. 

Thank you for your immediate attention to this matter. I expect a prompt resolution within the legally mandated 30-day period, as provided by the FCRA. I look forward to your confirmation of the removal of this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy chXXXX, outdated reporting since 2013 ( over 7yrs old ) and XXXX XXXX DURING TIME FRAUD ACCOUNTS OPENING
Product: Vehicle loan or lease

American Honda Financial was paid all of the money due on the contract. When the payment was made on their website, it did not specify that there would be any delay releasing the title if I paid via the website. Now, they are refusing to release the lien on the vehicle. They have received all money due under the contract, and I have proof of such. I have asked them to release the lien, and they have still refused to offer assistance. I have attached proof from American Honda 's own website which shows I have paid off the vehicle, and that the vehicle has a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME. ATTENTION I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, EQUIFAX, AND XXXX CRA & # XXXX, XXXX. On XX/XX/2020, I MAILED EQUIFAX, XXXX AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTIFY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND OR FAILED OR REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INVESTIGATION FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Credit card or prepaid card

XXXX, XXXX XXXX  and NYC and Co have all closed my store credit cards with them that I had paid off. I was told because they were dormant then when transferred to a supervisor at Commenity Bank was told because of my credit report that was dinged and lowered because of these accounts being closed without receiving any letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian, XXXX and XXXX are in direct violation of the FCRA Laws list below. 
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My personal information and financial information was compromised without my authorization. The family education rights and privacy act FERPA protects the confidentiality of student records this breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information I request that you immediately cancel and discharge my student loan debt.
Product: Debt collection

LVNV FUNDING LLC I am not liable for this debt of {$980.00} with LVNV FUNDING LLC, I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested my wet signature and ID verification. 
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Product: Credit card or prepaid card

I submitted this complaint in XXXX : Every single time I call customer service, someone answers and hangs up on me. When I talked to them previously, they said they may have programs to help me pay my balance. However, I contacted them at the start of when I couldnt make payments and they said they had NO OPTIONS to help me. I feel lied to and ignored, and this feels like a scam to put high interest rates on my account. 

The company replied in XXXX and gave me a number to call. However, the number is not active and says its local to XXXX. When I try calling them, they tell me theyre having problems with their system and cant view my account. I tried emailing but they just told me to call customer service. Basically, theres STILL no way for me to talk to an actual person who knows anything and I have little time left to enroll in the Account Liquidation Program they finally submitted to. 

Also, I repeatedly over the last few months or so ( as long as I have been having issues with them enrolling me in this program and straying payments ) have asked the company to stop reporting my missed payments to the credit bureau and adding interest to my account. However, they are still doing this and its further ruining my credit score. I once again ask that I get a phone call from an actual person who has knowledge of this situation and for them to rectify the reports on my credit.