23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

She said it was charged off in XXXX. She told me this XX/XX/year>. But I sent in a payment XX/XX/year> with a payment of {$1000.00} and they never told me in XXXX that it was charged off. Well they repod my car XX/XX/year> at XXXX and they never knocked on my door to even tell me they got it. And when I called on the XXXX she said I had to pay {$14000.00} to get my car back. And the pay off when I lasted look it was only XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called, emailed and sent letters out to the credit bureau disputing these fraudulent activities and nothing has been removed. I asked them to remove because it's fraudulent activity that was never authorized by me. Nothing has been done. 

Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Never authorized by me. 

XXXX is reporting XXXX XX/XX/XXXX XXXX/XXXX/XXXX and XX/XX/XXXX NEVER authorized by me
Product: Debt collection

Last XX/XX/XXXX, I sent this company a notice to this company to let them know that I am sending them a restrictive endorsement check. This company received the said letter last XX/XX/XXXX. They responded last XX/XX/XXXX but in their response, there is no mention of anything with regards to the notice they 've received. Last XX/XX/XXXX, as shown on the attached certified mail receipt, they received another letter from my enclosed is a check to pay the balance they are collecting. At the back of the check states the condition required for them to be able to cash the check. The condition is that, check can only cashed if the derogatory information will be deleted by this company. This company then cashed the check last XX/XX/XXXX. Even up to know XXXX has not removed the negative item from my credit report breaching our agreement. I have my XXXX ready to be filed as shown in the attached documents if with the third and final request, XXXX will not comply to the agreement the entered.
Product: Checking or savings account

On the date of XX/XX/XXXX, I transferred a amount of {$7700.00}, from my XXXX XXXX account, to my citizens bank account.. 
I wanted to invest my savings into my cryptocurrency account. Shortly after Conducting a Wire Transfer to my own cryptocurrency account with XXXX I couldnt access my account I contacted the Citizens bank immediately and was told I could go to my local branch and read my funds that were still in the account..when I went to the local branch.. I was told by the teller and bank manager that I could receive any funds from a closed account and they didnt have any other information to give me at that time. Citizens closed my account on XX/XX/2024 with out any reason, and I still have not received a cashier check with the remaining funds nor have I been able to have any success at any citizens bank branch in my local area.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have full faith and credit from the department of state. See Im attached documents I want all negative items and hard inquiries removed from my report. 

15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution
Product: Mortgage

After purchasing the home on XX/XX/2023, we applied for a Recast in XXXX to take the down payment from 05 % to 20 %. The PMI insurance was removed in XXXX however, the principal balance has not been recalculated to lower our mortgage payment. In XXXX the credit bureau informed us that that we have a past-due balance of over 30 days. This is false, as we have made all mortgage payments in full on time each month. Our credit scores have since dropped from mid 800s to 600s because of this report. We have repeatedly tried to contact BSI FINANCIAL, our lender to communicate the concerns but we have not received any escalation or plan to resolve. The recast is over 90 days past deadline. We need help getting this close out and our credit scores corrected.
Product: Checking or savings account

On XX/XX/XXXX I received letter from Discover dated XX/XX/XXXX stating they can not open an account because of a security freeze I have in place due to my identity being stolen. I immediately called Discover to let them know I did not submit any application and it is fraudulent. I asked for a copy of the fraudulent application containing my identity information and they refused. The person I spoke with was XXXX. I explained to him that as a victim of identity theft, I have the right to ask for a copy of the fraudulent application and he agreed that I have that right but still refused to send me a copy of the application
Product: Credit reporting or other personal consumer reports

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. 
Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX CARD # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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, credit repair services, or other personal consumer reports

Equifax : I can not access my report on no webiste, not XXXX XXXX, equifax or XXXX. I have contacted them several times and still no resolve. Everyone that answers does not seem to understanding my concern. Once I log in my profile is completely blank! 

XXXX : I have cancelled my subscription 8 months ago and they continue to charge me. I have called serveral times. Today I called on hold for 35 mins someone picks up and stated they were the manager on duty today, this is the first person to pick up. My response was thank you for being management I have a problem and he hung up. I called back on the be on hold for an hour no answers and yet I have {$260.00} worth of charges for services I cancelled.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this dispute. After reviewing my credit report I have notice late payments being reported that I have never be late on. By reporting inaccurate information on my report. My consumer rights are being violated. Please see attached documents.
Product: Mortgage

Approved Trial Plan Agreement by mail dated XX/XX/2021, 1st payment due XX/XX/2021 amount {$830.00}. Received letter dated XX/XX/2021 Notice Of Default And Intent To Accelerate stating I am in default of my mortgage. Contacted Flagstar customer service XX/XX/2021 to discuss mail received I was informed by XXXX ID # XXXX Flagstar customer service my mortgage servicer XXXX XXXX sent the notice in error, I asked for a supervisor she ask me to hold and the call was disconnected. I call back and spoke with XXXX XXXX Flagstar customer service told him about the letters received and he said you are in default we sent the letter and I would continue to receive letters of default even though I am in a modification Trial. Again I ask for a supervisor and I was left on hold. 
Flagstar customer service is rude and unconcerned. They refuse to assist the customer with keeping their homes out of foreclosure
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX and Experian has ruined my credit report by inaccurately reporting a closed auto loan on my Experian credit report. They inaccurately reported 90 days past due and 37 months in CHARGED OFF status which has completely ruined my otherwise perfect XXXX XXXX. I never missed a payment on that auto loan for account number XXXX. I currently have another open auto loan with XXXX XXXX XXXX that I have never missed a payment on. XXXX XXXX XXXX, XXXX XXXX XXXX and Experian has violated my rights and XXXX misreported a closed charged off auto loan onto my Experian credit report. I demand you remove this account from my credit report otherwise I will seek legal counsel. XXXX XXXX XXXX owns this account and has sent me a letter saying they have terminated collections and have closed the account so I DEMAND that you remove this charged off close negative account from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date OpenedXXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
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 items 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 items 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 are the list of items 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX  XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX || Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expresslyauthorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : XXXX # XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX.The following address and phone numbers are not associated with me either. I have never used these numbers or lived at the address listed. XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Product: Mortgage

Caliber failed to set aside enough funds in my escrow account to pay annual taxes. Due to Caliber 's mistake, after tax payments were made in full, my escrow account contains a deficit of more than {$1000.00}.
Product: Debt collection

American Coradius International LLC is attempting to collect an alleged debt that I do not owe. I, the consumer and natural person, has sent, in writing, a cease to desist demand of all and any communications including reporting information or sharing data without my permission to non affiliated consumer reporting agencies about this alleged debt to try to coerce me to pay. See attached documentation showing certified mail has been sent with the cease to desist demand to American Coradius International LLC and the letter for your view electronically. American Coradius International LLC does not have any rights under the FTC agile law. The law prohibits anybody other than FTC and their employees to share data and thats limited.
Product: Debt collection

XX/XX/2020 ; {$1300.00} ; I received a call from Windham Professionals to collect a debt. The debt collector did not make it clear and did not introduce where she was from or what exactly was needed from the phone call. I repeatedly informed the debt collector through that I was already working with an agency, XXXX XXXX XXXX, to consolidate my debt and pay off this debt. I told the debt collector that her approach felt harassing. At the very end, she offered to reduce the debt, though did not mention this at all previously during the conversation. The debt collector also called during my work hours on the phone I use for my work.
Product: Debt collection

I discovered on XX/XX/XXXX that TransWorldSystems, Inc. had placed two negative reports on my credit report stating that they had charged off debt. I believe that I settled both amounts with them in XXXX, XXXX. The supervisor I spoke with " refused to remove the items from the my credit report '' even though I requested evidence that they had sent correspondence to me and also when I stated that I believed the debt had been settled with their agency. I have a credit card statement which shows payments to TransWorldSystems, Inc. from that time. 

That statement, with the payments circled, is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going through the worst financial crisis that I could have ever imagined! XXXX  data breach along with Equifax and XXXX XXXX  and while since XXXX Ive been personally trying to salvage my name from the ruins these companies continue to ask me to jump through hoops per their requests and Im not doing so well to do as requested. I have lost my credit card from XXXX  XXXX without reason and the lies that have been alleged in that circumstance is easy to prove and I have begged pleaded and bartered to submit my findings to collaborate. Equifax hold Americans information and solicits it to gain in their own pocket while shaming our names and then asks us to do our own homework in order to be compensated as well as XXXX! I am on XXXX for XXXX XXXX  and hi risk for XXXX XXXX and this is not good on my mentality and yet ppl do not seem to understand the severity of these corporations. I have been in touch with these companies massively and yet nothing is being resolved and like can care less that they are the cause. People do not deserve this kinda treatment and I definitely do not because I havent done nothing to anyone. I have done my very best to maintain an adult behavior. I think that Mr XXXX at XXXX XXXX should be ashamed of his lack of concern for the consumer being neglected by his staff on his watch. I have emailed him several times with no reply. Rude! These other two companies leaking data seems to have tarnished my every possible chance of getting my equal and fair chance to getting credit and its caused me hardship. I feel as if Ill never rebound and wish I had a voice to just tell the world that this type of behavior from these corporations seems as loud and they fear no punishment as Ive seen for several months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is Financial Data Systems XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

Financial Data Systems XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I realized that my Experian account has been compromised. I can not gain access to my Experian account because the email of my account has been changed to an email that does not belong to me. So when I try to regain access by changing my password etc., the information is being sent to the email that does not belong to me. 

However, I do have access to my XXXX account, and I have placed a credit freeze on XX/XX/year>. On XXXX, I have seen that fraud activity has taken place with my credit number because another revolving line of credit has been opened on XX/XX/year>. I opened a dispute regarding this revolving credit line on XX/XX/year> when I realized that I did not open this account.
Product: Debt collection

On XX/XX/year> I reviewed my consumer report and I noticed some fraudulent and inaccurate information being furnished by BRIDGECREST FORMERLY XXXX I do not know where this account came from. I have never consented to a consumer credit transaction with this corporation the grants them the right to have my personal information. I never received anything informing me of this alleged debt. According to 15 USC 1692g validation of this debt is required furthermore 15 USC 1692f states that unfair practices are a violation of my consumer rights. I have never received any evidence of indebtedness and the information being furnished is inaccurate the dates don't match up across all 3 major consumer reporting agencies XXXX, XXXX, XXXX and according to 15 USC 1681e ( b ) accuracy in a consumer report is required by federal law. I have attached my identity theft report along with a picture of my consumer report to help prove my case. The account status is charged off however there is still a balance being reported which again is inaccurate. If the account was charged off as a profit and loss account for this creditor why is a balance still listed the overall account is inconsistent.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate information on credit report. I received a copy of my credit report and found the following item ( s ) to be in error : BANKRUPTCY REFERENCE # XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and deleted from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of your receipt of this letter and update my account as necessary. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months, including TransUnion, XXXX and XXXX. Thank you for your time and help in this matter. 
XXXX XXXX.