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

Today XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting them.
Product: Debt collection

ACCOUNT NUMBERXXXX AMOUNT BALANCE : {$410.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

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

I have tried to contact Experian using the phone number to their customer service, but I can not get any assistance. They are reporting an incorrect address on my credit report and also a fraud alert that needs to be removed. I send them the only address that I have which is on my identification and they are reporting a XXXX XXXX XXXX that is not my address. I need this address removed and the fraud alert removed from my account. The address that needs to be removed is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

This company has obtained my personal information from a company without consent of the consumer in order to sell personal private information. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which 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 XXXXXXXX : {$1200.00} 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: Student loan

Never received loan information about transfer from XXXX  to aidvantage.
Product: Debt collection

XX/XX/year> XXXX I called XXXX to Caine & Weiner on behalf of XXXX XXXX to see if I can pay to delete account on my credit report. Representative told me in order to access my account it will be {$1.00} charged to my credit card so that they wouldnt have to run my credit as this is considered a " pay-to-pay '' fee which is often illegal under the Fair Debt Collection Practices Act ; a debt collector can only charge fees explicitly authorized by the original loan agreement or permitted by law. They already have my information on file as a debt they say I owe. Why would I provide them my credit card information to charge me to view my account. This is illegal and I would like this removed from my credit report as I tried to see what was going on to no resolve.
Product: Credit reporting or other personal consumer reports

This line of credit account has multiple inaccuracies and missing information that do not align with all three bureaus. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include account type, Date opened, payment status, last reported, date last active, and payment history. Not one of the late payment history payments are reported the same for any bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately or updated to XXXX late payments for all bureaus.
Product: Credit card

There was found it to be a unauthorized or fraudulent transaction in or around the middle of XXXX. That was not caught until today based on me not using this card ever. I don't check anything and don't get paper mailing bills. Therefore I was unaware of this. I tried to reach out promptly after seeing some email that was not noticed and I was told that their department was unavailable to take fraud or lost cards on Sunday. For that reason, I spoke with a XXXX and provided my social security number and date of birth seven different times at approximately XXXX Pacific standard time on XX/XX/year>. He was unable to do whatever he needed to do on his end. After over XXXX minutes of conversation, I repeatedly asked to speak with his supervisor which he refused to transfer me and therefore I need somebody to address the fact that this unauthorized transaction has now affected me negatively. It was fraud. I lost the card. I need a new card and no one has been here to help me in any way shape or form. It's an absolute shame
Product: Debt collection

I received a settlement offer earlier this year from US Auto Credit, I was n't sure why they were offering me a settlement since the debt was XXXX in a chapter XXXX bankruptcy over two years ago. A few weeks ago I tried to obtained credit and was denied so I pulled a copy of my credit report and noticed that this account was reporting as a debt owed and no mention of it being a part of a bankruptcy. I sent a debt validation letter to US Auto credit and that responded stating that the debt was XXXX, however, they still tried to collect on the debt as you can see in the letter I received earlier this year. XXXX XXXX credit has clearly intentionally violated a federal law, as on their letter dated XXXX/XXXX/XXXX they state the debt was XXXX on XXXX/XXXX/XXXX but they still attempted to collect the debt.
Product: Debt collection

I received a notice from suttell and hammer XX/XX/2019 stating that XXXX XXXX  XXXX has referred the above account to their offices for collection. I responded XX/XX/2019 asking them to verify that the debt was mine, exercising my rights under the FCRA, they sent me over 100 statements with my name and incorrect address on it. The failed to comply but I was served with papers today XX/XX/2019 being summoned to court for breach of contract, I don't recall signing a contract with Suttell and hammer, they didn't have enough decency to provide the contract with my signature on it that I am breaching, they are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inquiries from my credit report. The information on these inquiries is inaccurate, and under the California Fair Credit Reporting Act, I have the right to dispute any incorrect information on my credit report. I have the dates and names of the inquiries in question and would like to know where I can send this information for review. Please take the necessary steps to remove these inquiries promptly. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and have serious doubts about their legitimacy. I request a thorough investigation and immediate removal from my credit report.
Product: Vehicle loan or lease

Through out my entire loan navy federal has charged {$29.00} fees for being late and there was never an agreement of such fees. They are also charging {$29.00} for fee adjustments on both loans I have with them that has been going on through out the term of the entire loan. I can never seem to pay my loans off as they keep adding these fees.
Product: Credit reporting or other personal consumer reports

Closed accounts were closed. On other sites they are not.. I disputed it the all the debt collectors call and harassment. All day long
Product: Credit reporting or other personal consumer reports

I have tried for years to get my credit report or to be more exact, my full file disclosure per 15 USC 1681g via annualcreditreport.com and it never works. I have tried calling XXXX, XXXX, and Equifax directly on a multitude of occasions and the agents have been unable to help me. Moreover, the agents ( and presumably their supervisors ) have been completely ineffective despite my requests to escalate the issue.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX even with all my repeated attempts to get my information updated so it can be correct the credit bureaus have not updated the information.
Product: Mortgage

I have been a licensed loan originator with NMLS since XXXX. I have a mortgage serviced by PHH now it was with Ocwen. I applied and received a loan modification. And competed it. I ended up owing way more than my original mortgage. I just don't understand how this happens and I originate mortgages everyday. I originally had a mortgage for {$140000.00} since XX/XX/XXXX. I still owe {$100000.00} after being in the mortgage for over 25 years now. Please help me here. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

They have dragged the remodification process out for over XXXX   years. They was always a missing document or piece of information requested. By the time Id receive notice, other forms expire and wed have to start over. I was recently denied remod again due to paperwork. They have changed their phone system to where you need an extension to speak with someone to resolve this issue. I have no extension and can not move forward, the call drops.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A )  dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports
Product: Debt collection

I received a letter from XXXX XXXX XXXX for a debt and account with XXXX XXXX issued by XXXX XXXX XXXX XXXX dba XXXX XXXX ( had received something from XXXX XXXX for same false item a month ago! ). 

This account is not mine and I have idea what this is. I was a victim of identity theft back in 2014 but I am unsure if this account is from that issue. I want them at XXXX XXXX XXXX to close this right away please. I have sent XXXX XXXX XXXX a letter to close this as well which I have attached. Thank you for the help and assistance on this frustrating manner.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( FCPB ) has recently filed a lawsuit against Experian, alleging stem issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

The report on equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  open original balance {$500000.00}. Balance owed {$18000.00} over 120 days past due account number XXXX. On the same report it list XXXX XXXX XXXX  in which purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX closed account paid account as agreed original balance {$500000.00} balance owed {$0.00} however it shows in XXXX  as late payments in XX/XX/23, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redresa ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressing for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the 3 credit bureaus that I was a victim of Identity Theft. It seems the 3 credit bureau doesn't care at all that I want to dispute unauthorized items that reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have paid of this debt, with documentation, and it is still on my credit report as balance not paid.
Product: Student loan

I have two complaints. 
1. ) XX/XX/XXXX we were contacted by Navient about consolidating our loans. We were told at that time that they would use the lowest interest rate of the loans which was around 5.3 %. When the paperwork was complete they used the highest interest rate which was 7.75 %. When I called to complain they said " I 'm sorry that the person told you that but this is what it is and nothing can be done '' :!! 
2. ) XX/XX/XXXX our checking account was compromised and we had to open a new one. I went online to Navient 3 weeks prior to the payment being due to change the bank account information. I noticed the payment did not come out on the first and called to inquire about it. The operator said that I must have changed the account too late in the month and the payment wont come out. I told him that I changed it 3 weeks prior to the payment date and he said he did n't know what happened but I could skip that month if I wanted to. I said I did NOT want to skip a payment. He said that he would put into the account to pay. He then turned around and skipped that months payment so for the next 5 months we paid nothing but interest on the loan with no principal. Our payments then went up by {$23.00} each month because we " skipped '' a payment!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX This account was charged off on the following date : XXXX : XX/XX/XXXX XXXX : No data Transunion : XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient student loan company told me my account was charged off and did n't allow me to make payments for over 2 years starting XX/XX/XXXX. I recently obtained a copy of my credit report and I see where they have been reporting my as failure to pay. This company has been cited before for its predatory lending practices. I have spoken with several agents there and explained my situation about not having a job at the time no help was given. And on XX/XX/XXXX after months of repairing my credit and bringing my score up, they flagged my XXXX private loans as charge offs when I could have been paying on them all this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok i call Experian to Dispute a bill that was fraud, that was done by my son so i agreed to pay it and the company agreed to take it off, i recieved a letter in writing stating it will no longer report on my credit, but in the meantime Experian concludes their finding ( investigation ) say that they contact the creditor our XX/XX/2018 to verify the debit was mine but i receive my letter of removal XXXX days prior to their finding, so are the credit bureau really investigation wrongful credit on people consumer report are they lying to you just to keep bad credit on your report, this is agonizing and very frustrating for a credit bureau to do a consumer like this.
Product: Vehicle loan or lease

beginning on XX/XX/XXXX I sigmed 3 documents with Bank of the west had 2 payments delayed and gave permission for my wife to handle the account according to this bank only 1 payment was delayed and no poa was signed and they say they have my signature on a document that states only 1 delayed payment this has been changed to their benefit beginning with the fact a payment made in XX/XX/XXXX disappeared and yet we were approved for the delay which was not used. We split the payments and according to them we owed XXXX $ in late fees problem as follows they were paid XXXX $ from XX/XX/XXXX to XX/XX/XXXX regular payment XXXX that equals XXXX months if every payment was late the late fee is XXXX payment becomes XXXX that comes out to be XXXX months at XXXX that comes out to be XXXX months their numbers do not add up correctly again if you take the numbers and divide the amount by 23 months pmt shows XXXX divide by 22 months the payments come out to be XXXX XX/XX/XXXX to XX/XX/XXXX is 3 months XXXX 12 months XX/XX/XXXX to XX/XX/XXXX is 8 months however they are ignoring the XXXX delayed payment which has never been used I have gone over the numbers and they completely ignore the correct amounts and claim no payment was made in XX/XX/XXXX un true because they would not have approved a delayed pmt
Product: Mortgage

Oveer the past 3 minths I have called, chatted and spoke with representaives from MR. COOPER home loans. They acquired my loan from another company in early XXXX and have misposted more than XXXX transactions that have resulted in my being assessed fees that are incorrect. I wrote them on XX/XX/XXXX, XX/XX/XXXX and again today XXXX. Between those wrtitings I chatted with at least 6 different agents and all told me they would take action on my concerns. I have attatched a download of the files on my account and added a far right column that notes my payments from my credit union account to MR COOPER.