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

I purchased a vehicle with XXXX XXXX XXXX, XXXX located in XXXX, AZ and was financed with Avid Acceptance LLC located in XXXX XXXX, UT. I never received vehicle since this was a online transaction. I found out that Avid Acceptance , LLC sent money to XXXX XXXX XXXX, XXXX and the owner XXXX XXXX never paid the floor for titles on vehicles. I am 1 of 6 victims of title fraud and Avid Acceptance , LLC just found out recently. Both Avid Acceptance , LLC as well as me, the consumer have been victimized by this XXXX XXXX XXXX, XXXX XXXX. I have currently submitted online complaint with the AZ Attorney General as well as title complaint with AZDOT and have placed fraud alerts via XXXX. I also have been working with a detective XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending Transunion several letters of complaints regarding the following inquiries 1.XXXX XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX  XXXX-XX/XX/XXXX 7.XXXX XXXX-XX/XX/XXXX 8.XXXX-XX/XX/XXXX 9.XXXX-XX/XX/XXXX 10.XXXX   XXXX-XX/XX/XXXX 11.XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX-XX/XX/XXXX 13.XXXX-XX/XX/XXXX14.XXXX-XX/XX/XXXX that they are reporting on my credit report.the last letter I sent was certified. they are reporting not yet proven compliant information. Transunion has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintained under my social security number.
Product: Credit reporting

Per FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Complaint Equifax has reinserted the following Accounts and Tradelines onto my credit file without the proper notification. 
XXXX County Case # XXXX, XXXX County Case # XXXX, XXXX XXXX Account # XXXX, XXXX # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX US Bankruptcy Case # XXXX, US Bankruptcy Case # XXXX, XXXX XXXX XXXX Account # XXXX I spoke with a female representative on XXXX XXXX, 2016 at approximately XXXX for over XXXX minutes, at which time I was transferred to the Special Handling department. I advised the representative that many accounts had been removed or deleted from my file to which she said that they were re verified, I proceeded to ask her how that took place and she replied that the tax liens were verified through the courts. I asked her who they speak with and she just repeated " the courts '' I asked for the number and I called the courts directly and spoke to an court clerk and she advised there was no way to prove that someone Equifax had called to verify my alleged accounts. I have spoken to both XXXX County NC Clerk of Court and US Federal Bankruptcy Courts and they both advised there is no record keeping system or verification pertaining to credit investigations from Credit Bureaus. I have yet to receive a definitive answer from either court. So I question the validity and verification process from Equifax. 
I was never given the proper notice on the aforementioned accounts there for my Equifax has denied my right for due process afforded to me under the law. I am demanding that Equifax remove these accounts and tradlelines from my credit file. These injurious actions have lowered my credit scores and there by jeopardizing my ability to secure a mortgage or loan with beneficial interest rates and terms.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Fifth Third Bank has continually incorrectly applied an escrow to my account since XX/XX/XXXX. Despite multiple attempts to fix the problem they continue to process my payments as either late or missing. 

In XXXX of XXXX an escrow was placed on my account for hazard insurance I already had on my home. The letter was sent in XXXX, however my current insurance was set to renew at the end of the year ( expiring XX/XX/XXXX ). Once I realized they were still not removing the escrow despite having insurance I called on XX/XX/XXXX, provided my insurance once again and was assured it was taken care of. Later in the month I was then notified my payment was never processed due to it being short due to the escrow for insurance I then called on XX/XX/XXXX and XX/XX/XXXX going through the same process and each time being told it was taken care of. I was then again notified the insurance was never processed and called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time being assured it will be taken care of, to then repeat the same problem the following month. On XXXX I was finally able to get hold of a manager who then did a phone call to obtain my insurance letter. Once again was assured it was taken care off. This issue remains to this day. I have tried several times to resolve this issue with the bank in regards to getting my account marked as up to date and having the negative remarks on my credit report removed. My most recent call to address the problem was on XX/XX/XXXX to once again attempt to resolve the same issue, once again being told it was taken care and still my account is noted as past due. Today, XXXX, I called the office of the president of the bank was told my account was marked as past due, and that they were unsure why and an agent would call me back. Obviously I am not hopeful that anything will change. 

Throughout this entire process I have sent the accurate mortgage amount to the company on the XXXX for the following month. Despite this, they have not processed my payment accurately across the previous 6 months resulting in my credit score dropping over 100 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Financial Bank in XXXX, Florida incorrectly lists 2 Care Credit accounts on my credit bureau reports. I had one account only. It was opened on XX/XX/XXXX. 
The account number begins : XXXX They transferred this account number to another office and closed it when they did this. 
After that, a duplicate account was opened in XXXX of XXXX. 

Synchrony Financial Bank should never have opened the second account and it needs to be deleted from my credit files with XXXX, XXXX, and XXXX XXXX credit bureaus. 

I did not need another account, I just wanted the original account from XX/XX/XXXX, to stay open. 

I did not give them permission to close my original account and open another one! 

I should only have one account, the one from XX/XX/XXXX, listed on my credit bureau reports. 

I did not give them permission to transfer my original account to another office and close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifix had a database breach and I was effected by it. All 3 of my credit reports were effected Equifix, XXXX and XXXX Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with equifix
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was paid to XXXX XXXX XXXX and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Im writing regarding the collection accounts on my credit report from XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ), and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ). I do not recognize these debts and have never authorized them. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 807 ( 8 ), its unlawful for debt collectors to falsely represent any debt. Additionally, I am invoking my rights under Section 809 of the FDCPA, which entitles me to request validation of these alleged debts. You must provide documentation proving that these debts are valid.

Moreover, the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting under 15 U.S.C. 1681s-2. This law requires that all consumer reporting agencies maintain accurate information. Given recent data breaches, Im also exercising my rights under 15 U.S.C. 1681c-2, which allows me to block any fraudulent information that might be appearing on my report.

If you can not validate these debts within 30 days, I will insist that these entries be removed from my credit report. Additionally, under 15 U.S.C. 1681n, I am entitled to seek damages of up to {$1000.00} for each violation of the FCRA, should it be determined that you are reporting inaccurate information. This is not just about getting these debts resolved ; its also about ensuring that my rights as a consumer are protected.
Product: Prepaid card

XX/XX/XXXX  {$1800.00} I was with this company for some months. Maybe a year my direct deposit goes there every much. And I had a situation that a payment was pending in between wisely. Or XXXX XXXX Kept dropping the payment so I called the company 's both companies. XXXX XXXX  told me that they could not pull the money from wisely 's account because they was not releasing that payment. At all so I contact XXXX XXXX to see. What was the issue why they wouldn't release my mortgage money? And from what I was told XXXX XXXX XXXX kept dropping the payments. I don't know who was telling me the truth. So what I did was Was transferred the money to another count. Because I didn't want to be late for my mortgage payment for XX/XX/XXXX  I have my XXXX XXXX To please send me a letter showing that this money was in the account before. I had transferred this money into a new account. I can not get them to give me a letter. They keep telling me to take it up with XXXX XXXX did not have anything to do with my money That was ended account before I transferred it to a new account. The money was there at XXXX XXXX XXXX XXXX They would not release this money to this XXXX. XXXX  at all. So this is why I transfer the money from XXXX  to XXXX XXXX. Because I was getting the run around from both companies. I have been waiting on a letter and a supervisor from my XXXX  XXXX. No one 's contact me and now that this on my credit report has been negative. I was never late between XXXX XXXX  And my wife was playing games with me. I don't know who was telling the truth. I've been waiting for a while for a letter stating that this money was in my XXXX  account before. I transfer this money to the other account. I'm not understanding. Why would they put this on my credit report as me being late when both companies? Told me lies, so I'm asking for help. Because this is on my credit report as negative and that's not cool So I have Uploaded both bank information. So I'm hoping I get the help that I need. Because one of those companies told me a big lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is incorrectly shown. 
My social security number and other information was found on the dark.
Product: Vehicle loan or lease

Unlike other bank NFCU lets you make payments electronically and allow you to pay off the load early without penelity however, the way they get over on thier customer is if you want to pay extra for example an auto loan they post that as a payment to the following month not to the principal. They make it hard to make a principal payment it can only be done between XXXX and XXXX after you main payment hits. I believe we should have and option when paying online to add a principal payment in addition to the regular payment.
Product: Debt collection

As a victim of identity theft, I am requesting that you conduct a thorough investigation of this account in accordance with the Fair Credit Act ( FCRA ), specifically 605B
Product: Debt collection

Good afternoon, As I was reviewing my credit score a few concerns came up because I never applied myself to any credit card agencies such as Lord and Taylor and the auto loan. Someone is using my information and my personal information such as my social security card, birth certificate and identification card was stolen.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from following inquires below. Please remove them from my credit report XXXX XXXXXXXX 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 XXXX EXPERIAN 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 a G.M. Card that Capital One is administrating. Every XX/XX/XXXX is my anniversary date. In the past and what I paid in XX/XX/XXXX I received my 5 % credit toward a new GM Car. This past XX/XX/XXXX. I had unusually high expenses for me and I did not get the 5 % credit. I called in and I was told that there were problems with their bills. I called in XX/XX/XXXX. and received the same answer. I finally got 5 % credit for my XX/XX/XXXX. Bill When I called about XX/XX/XXXX. I was told that they ( Mr. XXXX ) will put in a ticket. I just called again and the voice mail said that my anniversary date is nowXX/XX/XXXXXXXX  and when I spoke to some girl she said its XXXX. She said that she can't do anything about it and also told me there aren't any supervisors for me to talk to. I would like to get my 5 % credit ( my bill was for {$1600.00} and 5 % of that is {$80.00} ). This was the 4th time I was told someone will call me. When I asked for a ticket number for the complaint I was told there aren't any ticket numbers. Can some one please help me.
Product: Credit card or prepaid card

On XX/XX/2017 my XXXX  account was labeled as closed. How can there be a balance on a closed account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a rep at Experian and advised I have been trying to get my name right on my credit report and address I told him I wanted to dispute it he stated the creditor have reported a lot of names on my report that are not tied to anything at this time I also advise I can not dispute it tell me to call he said he would dispute the incorrect names and addresses. He stated it might take 24-72 hours. Less than 3 hours I received an email with updated status to my name and address dispute. They did not relive anything and just advised ne to call again. 
I have 1 name - XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Florida XXXX I want my credit report to reflect my one name and one address. They refuse to correct my credit report and I want this fix now. This is I violation of the credit act and they are using all these names that are not tied to me and my name and address.
Product: Mortgage

Lost job due to COVID, missed a couple of payments and now they want to take the house. 

We make less than {$2000.00} a month and they want us to pay more than {$1700.00} a month for our mortgage. 

I am a veteran and have not been treated fairly. 

My original mortgage was {$21000.00} in XXXX and now we owe more than {$22000.00}. 

We do not want to lose our house.
Product: Credit reporting or other personal consumer reports

The account with XXXX had a remaining balance of {$810.00}. I paid this balance XXXX ( in full ). The company is still reporting this account monthly as a charge off and also has not updated the balance on the account to reflect {$0.00}. I have disputed this several times with Experian and with the company. I have also provided a copy of the receipt to show proof of payment. I keep getting results that the account remains.
Product: Mortgage

Solar panel seller came by 2022 and promised us to save money on our light bill because of solar panels and said that payment would never go up especially since if we signed we would get a XXXX tax bonus to throw to principal and help lower payment but came tax season none of that was true. Payment has been increasing and we had been making payments on time. No contact back from anybody to help us. We spoke to neighbor that they are same situation. I rather get rid of the panels and get out of contract
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX IN RESPONSE TO CFPB COMPLAINT WITH TU : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX you say i am basically too stupid to come up with this letter and instead of doing a proper invesitigation you claim that im using a credit repair company. please be aware my next option will be certified mail with time stamp and lawsuit. please do a proper investigaiton into these accounts that do not belong to me instead of my letters being too smart for me to come up with. thanks
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024 - i submitted a complaint to XXXX XX/XX/2024 - HFD responded stating they are in the process of trying to cancel XX/XX/2024 - HFD sent a letter threatening to send me to collections if I don't continue the account HFD is in the process of canceling.
Product: Debt collection

In XX/XX/XXXX when checking my credit report, I noticed that I had a collection account appear from XXXX XXXX XXXX in the amount of {$6700.00}. I have never received any written communication from Midland regarding this alleged debt. Midland reported the account as opened in XX/XX/XXXX, but I have never opened any account with Midland. It has not been reported on my credit file until XX/XX/XXXX. I disputed the account with XXXX, but that went nowhere and I did not receive any written reason or criteria, etc. I received a letter from Midland stating that my dispute was being investigated but received no follow up. On XX/XX/XXXX, I sent a certified letter to Midland requesting validation of the account ( attached ) which they received per postal records on XX/XX/XXXX. To date, I have not received any communication or validation of my account. I understand that there is a period of 30 days after the first written communication from the creditor in which a consumer can request validation. However, given that I never received a written communication I was never given the opportunity. I only found out about this alleged account when it appeared on my credit file. I want to heavily emphasize I have never received any written communication about this account. I believe this account is invalid, violates the FCRA, and should be removed from my credit file with all three bureaus.