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

XXXX XXXX is paid off with XXXX  balance. 
instaloam   was opened frudulent. 
XXXX and XXXX acounts were also fradulent account.
Product: Credit card or prepaid card

I was approved for a LOWE 'S credit card in XX/XX/XXXX/XX/XX/XXXX. I filed a CHAPTER XXXX to avoid a foreclosure on my grandparent 's home. No debts were discharged. Within days the bankruptcy was dismissed and has since been removed from my 3 credit reports. <P/>I have tried to get a Lowe 's card and was denied. I was told that the last account was closed due to the Chapter XXXX. The card had a very low limit of {$300.00}, therefore, my purchasing power was limited. I spoke with a Representative last night & he suggested that I START OVER. Now my score is too low as I was out of work for 23 months, however, I have now been employed since XX/XX/XXXX. I do not know the card number but they were able to access it by my social security number and my address on file.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. XXXX, XXXX and Experian. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Sally Mae continues to report my accounts as charged off over and over.. These accounts were XXXX in bankruptcy and nothing new should be being reported to them..
Product: Debt collection

I am in receipt of your response, however, this is still unsatisfactory. You provide response to a few things in which I would like to make reference and outline as well as address your violations. 

CCI Statement : We are a third-party collection agency for XXXX XXXX XXXX XXXX We have conducted an investigation and here are our findings : An account was placed in our office for collections on XX/XX/2019. Since that time the consumer has disputed the account numerous times, we have validated the debt for the consumer more than once. 

Response : Who gave CCI permission to receive my information to attempt to request alleged debt without my permission as the consumer? Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer you do not have my permission to become the furnisher of alleged debt. 

Our Compliance Department also verified through public records that the consumer is shown at the service address during the service period Please provide proof of how your compliance department was able to validate said occupancy during outlined dates. As the consumer this request is my right. 

You indicate that you verified the debt. How? 

15 USC Code 1681a defines an investigation by performance of interview with either neighbors, friends, or associates of the consumer. Please provide written response with whom you performed interviews with in order to validate debt. In closing, CCI had no written permission from the consumer to place any information on the respective consumer report. Furthermore, CCI does not have the power to validate debt. Only the original creditor ( XXXX XXXX XXXX ) can validate debt which I have not done. In fact, I was manipulated using deceptive practices and defamation of character into remitting payment for an alleged debt that was never validated and CCI is authorized to report anything without consumers permission. In closing, I am am requesting that closed file is removed from my consumer report immediately, or I will be forced to exercise my rights and prosecute based on the above referenced violations.
Product: Credit reporting

I wrote the  XXXX   Credit Burrows 50 ti mes sending them  XXXX  forms of ID that no bank will Verify m e two open a new account and the Credit Burrow docent respond or sends a Credi t Report so fore about a Year and half i have not been able  two Open a New Ba nk account all respond wee cant verify you.     Now I cant get a new credit card or bank account because there is and extend ed Alert i n my banking file and Im suppose d two call some Number  and call the Bank.   I have written all  XXXX   Credit Burrows two  remove the Hold on my account so i can G et a New Ba nk account.     The Federal Government determined me  XXXX  and my Mom Walked into   XXXX   XXXX   XXXX   forged my Signature and stole  XXXX  dollars from me.     Then i had  XXXX  dollars in Fraud and close d   XXXX      XXXX   XXXX   XXXX   XXXX  Accounts   XXXX   XXXX    XXXX  did n't close the accounts with Fraud i complaine d two    XXXX   XXXX   XXXX   XXXX  then sent  XXXX  of my ATM cards  two and   Address not mine and   XXXX   XXXX   XXXX   worker stole  XXXX  dollars from me. I have been in court 8 years against  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX  only 100 % respond its imposabl e two Comprehend .      Im  a Refugee living in  XXXX  and  have two move two a  new country every 3 months so I do n't use a Phone because they only work in  XXXX  country so i would ha ve two  Spend  XXXX  Dollars a yea r two D eal with the  Credit Reporting agen cy wants the ban k two call   me two open a  new bank Account.   The Federal Government has determined me  XXXX  i do n't use a Phone do  two  My  XXXX  and please accommodate my  XXXX  and help me open a New bank account without a Phone. I can Send the bank  XXXX  forms of id buy Email and electronically transf er Money two Verify Myself.        XXXX   XXXX   XXXX   XXXX  Robs me  XXXX  dollars then i cant open a new account in 2 years is discriminatory, Please take the Hold off my Account so i can get a master Card.       I live in  XXXX  the  XXXX   XXXX   XXXX   XXXX   XXXX  of the world and do n't wa nt two send    XXXX  forms of Id threw the mail that takes a month and the credit Burrow wont wan t two R ight me Back in  XXXX  there is very little working mail.       Send the  Credit b urrow  XXXX  forms of I D 50 ti mes and they will only respond send ID
Product: Vehicle loan or lease

Hello On XX/XX/XXXX I signed a lease contract with XXXX XXXX Honda ( dealership ) located at XXXX XXXX XXXX, CA XXXX. Unfortunately, a year later I found out that the contract I signed was not what I was informed at the time of sale. I asked XXXX XXXX ( Finance Rep ) if the vehicle came with the three-year services included in the contract, in which XXXX stated that the vehicle came with the three years services included them in my monthly payment, if are done at the same XXXX XXXX Honda location. To my surprise a year later, I was told that what I signed i was NOT the same lease agreement we had spoken about before I signed the sales contract, and that extra charge that I'm getting on my monthly payment is for some Treft Warranty that I was told it was included as part of the deal. 

The reason I state this is because on XX/XX/XXXX, I arrived at XXXX XXXX Honda ( dealership ) to get the oil change done on my vehicle, and XXXX XXXX ( service advisor ) informed me that my service contract had expired. XXXX explained to me that that service contract it was valid only for three services NOT for the three years lease contract. While they were taking my car to get the oil change done, I went to the front desk and asked to talk with any manager available. 

XXXX XXXX ( General sales manager ) came out to talk to me, at first, I told him that I was upset, because my contract was not what I was informed on the day of sale. He was rude and raised his voice at me, telling me that I was lying. XXXX also stated that every single finance office has a recording device that records every single conversation when they are singing a contract. I told him that its so unprofessional and against the law record someone without their knowledge, but that I was glad that they recorded the signing of my contract, because I was not lying. XXXX stated that he would request the record from their recording company ( he didnt want to give me a name ) and that he will give me a call.

Its been four weeks and I havent received any call, email or mail from this General Manager. Which only means that he was lying to me.

I also tried to get in contact with the dealership controller and no one was able to give me any information. I look on XXXX review and i found this email that is use for complains ( XXXX ). I emailed him back on XX/XX/XXXX and i still don't get any help. Only two phone calls trying to sell me another car. 

I would appreciate if you can help me get this issue resolved, and I can get what I was told the day I signed my lease contract, this problem has also caused me to incur additional cost by getting charged for my oil changes on my vehicle. 

I look forward to settling this matter amicably. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

FICO, XXXX, and Equifax have not update my records appropriately. I have hard inquiries and debts reflecting in the records of these companies that have been settled and were supposed to be removed from all records reported. There are auto loan inquiries from about XXXX years ago and debts that were settled from even prior that are still on record in these companies and their false reports are damaging my credit XXXX point. 


I contacted each company on record myself when I cleared my XXXX account in 2022. Each derogatory mark and hard inquiry was removed that was reported on my account. My credit score was above XXXX when the investigation concluded. I recently checked my FICO, XXXX, and Equifax accounts and they still have not updated their records for the passed two year.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act consumer reporting agencies are by law required to furnish accurate information with written consent of the consumer, Equifax has failed to do so by reporting Collection Accounts On my consumer report with no company name it is not my job to find out what company is reporting the information, Equifax has violated the FCRA laws by not supplying up to date and accurate information, Equifax has been under fire with lawsuits for the very same reason I am submitting this complaint I have supplied proof of such with an attached copy of my Equifax Credit Report I want the following collection accounts deleted as I never gave Equifax written permission to report any information about me in the first place, I will put the account numbers listed on these " NO NAME '' accounts for reference XXXX XXXX
Product: Credit reporting or other personal consumer reports

The balance on my XXXX XXXX auto loan account is incorrect the balance on the account was paid in full. I also received a XXXX balance letter from them as well. And with all of this they are still reporting a balance on my Experian and XXXX report. It needs to deleted or updated immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I waiting on something that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant find this information you are required to delete this information, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I am struggling to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX   XXXX {$2600.00}, XXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX XXXX ; {$300.00}
Product: Debt collection

XXXX XXXX XXXX hired a collection agency that is reporting incorrect amount on my credit report and reporting it as 30 days or more late damaging my credit and refusing to validate the debt and all mail sent to them certified has been returned to me unopened. I took XXXX XXXX XXXX to court and I won but the amounts still increased and was not taken off if my credit. IQ Data also called and threatened to damage my credit because they saw I was trying to obtain a home loan.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I obtained a payoff amount ( through XX/XX/2018 ). Paid the amount through Bill Pay ( XX/XX/2018 ), ( same way I've paid every payment previously ). Those funds come out of my checking account immediately. Specialized Loan Servicing ( XXXX XXXX, CO XXXX ), returned the entire amount. Never notified me. Instead I received my next month 's statement ( reflecting no payment made ). It was then that I checked my checking account & saw they had returned the funds to my bank on XX/XX/2018. So, I sent another payment of the entire amount reflected on the statement (XX/XX/2018 ) & they just returned it. It's outrageous. These folks won't let me payoff this mortgage.

I believe they hate losing a client who has paid off their mortgage & want to continue to charge interest. It is obvious to everybody that Bill Pay only issues payments where the funds have already been drawn ( good float for banks ). Therefore, the mortgage company has no risk by applying the funds.

BillPay should be no different than a wire or bank funds, because, they ARE bank funds.
Product: Debt collection

They call ask my name then inform me I owe on a credit card, I explain I'm on social security and can't repay and I also explain I'm on direct deposit. Every time they call I tell them the same thing and the social security office has told me they should stop calling after telling them I'm on social security. To night they called after XXXX XXXX
Product: Credit card

Statement close date was XX/XX/XXXX. Statement was issued and payment scheduled for {$200.00} on XX/XX/XXXX. This is more than the minimum required payment. 
When the next statement was issued on XX/XX/XXXX for a close date of XX/XX/XXXX, it shows the {$200.00} payment made and included a late fee of {$29.00}. I immediately called Citibank and the customer service rep refused to review the account, telling me the payment was due XX/XX/XXXX, so the payment made in XXXX did not apply to the XXXX due date. I requested to speak to a supervisor. The supervisor, XXXX, also continued to repeat the XX/XX/XXXX due date, however, eventually agreed to remove the late fee. 
I can accept this being a computer glitch. However, the refusal to review the account, apply common sense, is unacceptable. It is though, they are trained to expect everyone to pay late and complain, so can't possibly entertain any other option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two bills on my credit report and they are not accurate. I have had health insurance for 4 and half years its showing I owe a full balance. This hospital is also closed now and has been for two years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported me late on my auto lease XXXX times which is incorrect. They show late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is not right. I have asked for proof of this multiple times with no proof sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX and XXXX XXXX We have our home loan with your bank ( # XXXX ) and we recently had some significant water damage in our kitchen. We have been without a usable kitchen for over two months as we have worked to repair damage and line up contractors. After A LOT of work, XXXX our insurance company finally processed the claim. 

When I call Flagstar I am literally unable to get through to your " Property Claim Center '' -- I suspect this might be an outside vendor that you use? 
The phone tree gave me an inaudible access code that is needed to use the website. There is NO information anywhere about who XXXX should make the check out to ( Flagstar Bank? XXXX who services the mortgage? ) I have called Flagstar no fewer than 5 times this morning and been transferred to the mortgage department three times. All three times I have asked for a manager. In all three cases, the person told me they would transfer me to property, and they did, which resulted in a 30+ minute hold time when I was unable ( each time ) to get on the phone with a live person. I have been working at this since XXXXXXXX XXXX  this morning MT ( it is now XXXXXXXX XXXX MT ). 

I am literally UNABLE to submit the check for the property claim or the supporting documentation as required due to their exceptionally poor service and phone tree. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my CFPB Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. Again, I would like to submit my complaint to inform you that I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im as tickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2300.00} ; XXXX XXXX, XXXX XX/XX/XXXX ;