23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Conn 's Home Plus - {$4100.00} - allegedly opened XX/XX/2015 - charged off This company has adamantly refused to delete a fraudulent charged off credit card account from my credit history. I have submitted all necessary documentation to this company to prove that I never opened this account on several occasions but they claim every time they are holding me accountable. They have absolutely no proof that I opened this account, no proof that I made any payments on it, and no proof that I made charges to the credit card. There is no signature on the alleged contract and they failed to verify the identity of the individual who applied for this account. They confirmed on a recorded line that they never verify the identity of anyone who applies for credit cards online. They do not have a single law they can use to support this account remaining on my credit history. They have ignored numerous letters that I have sent them in the process of verifying this debt and they are unapologetic about the level of inconvenience that they have caused me. 

They are committing extortion by reporting this account on my credit history in an effort to coerce me into paying them money that I do not owe. They are defaming my character on my credit history by falsely reporting this account and it has caused irreparable damage to my integrity. I have been denied for credit, car insurance, jobs, and places to live because of this company. They have been completely uncooperative in having this matter resolved in a timely manner and the supervisors are negligent in managing their staff. Without a signed contract, they can not hold me accountable for anything. They have shared my personal information with 3rd party companies in this process, which increases the risk for more identity theft. I have never authorized them to run my credit report or obtain my personal information. They have never obtained a copy of my ID until sent it to them in the mail demanding that they delete this account. This company is making clear efforts to harass me and they have put my livelihood and reputation in danger due to their willful noncompliance, willful negligence, willful violations, and creditor misconduct.

Louisiana RS 1122 under Credit Agreements to be in Writing says a debtor shall not maintain an action on a credit agreement unless the agreement is in writing, expresses consideration, sets forth the relevant terms and conditions, and is signed by the creditor and the debtor. 

I have sent this company an Affidavit of Identity Theft, a copy of my ID, a copy of my social security card, as well as a notice of a fraud to verify that I have never authorized this account to be opened. When I called to check the status on this, they either say we are still holding you accountable or we have not received those documents. This company is abusing the dispute process in efforts to harass me and they have no regard for the problems that I have incurred as a result of their willful violations. Please instruct this company to delete this debt off of my credit report immediately.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment information that continues to appear on my credit report. Despite my previous dispute, the following accounts are still reporting late payments that I believe to be incorrect. I am requesting a thorough re-investigation of these items under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, credit reporting agencies are required to report accurate information.

Specifically, section 611 ( 15 U.S.C. 1681i ) mandates that credit bureaus conduct a reasonable investigation of disputed information. Your failure to correct these inaccuracies after my initial dispute suggests non-compliance with this section of the FCRA.
Product: Credit reporting, credit repair services, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate This is my accurate address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the inaccuracy reporting on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... XXXX credit bureaus showing different high credit balance, where are these numbers come from? Remove the accounts because the payment did not show the correct history
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

Equifax is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter in the mail with a credit card in it to activate. I never activated the card but I contacted the company and I was told I applied for the card. However, I did not apply for anything. I did have identity theft in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I thought I got everything squared away but it's happening again. I have numerous of inquires on my credit report that I did not authorize.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello my name is XXXX XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Mortgage

I was under Disaster Forbearance through XX/XX/XXXX, but Seterus had a scheduled sale date for Mid XXXX, while under the disaster forbearance. It was extremely stressful and caused extreme hardship to me and my family, because Seterus refused to postpone the Sale Date. They finally postponed the  sale date bc I submitted a disaster modification package. At what point of the review was I in when my loan was transferred? My loan was transferred from Seterus to XXXX home loans on XX/XX/XXXX, the new servicer had only received important documents pertaining to my loan on XX/XX/XXXX. What is the timeframe for all the documents to be submitted? Is it common and legal to have a sale date scheduled while under disaster forbearance?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account numbers XXXX and XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

Navient has hidden that the private loan it is trying to collect can be discharged via a private student loan discharge application. Background : Around 2012, the Borrower, ( XXXX XXXX ) was XXXX or XXXX with a XXXX. She wanted to attend a for-profit culinary school. The tuition was so high that her federal loans and grants did not cover it. The school said XXXX XXXX should take out a private loan. But neither she nor her mother had good credit. Subsequently, XXXX XXXX, a friend of the mother of XXXX XXXX, co-signed the private loan. 
Fast forward a few years. XXXX XXXX was unemployed for many months but eventually found employment driving a truck at the airport for which she earns {$11.00} an hour or about $ XXXX a year. XXXX XXXX has been having trouble paying her private student loan. Now that she is employed, she is willing to pay {$100.00} a month towards the loan. That is over 25 % of her discretionary income, as defined by the federal government in its income driven repayment plans. 
Navient is the servicer/collector calling the borrower on the her defaulted private loan ( which now amounts to {$19000.00}. ) Navient will not accept the {$100.00}. This is why. Navient has been calling both XXXX XXXX and the co-signer. But XXXX XXXX has XXXX and gets XXXX by the calls. XXXX XXXX is not in any position to pay the debt of XXXX XXXX as she is XXXX and unemployed. The husband of XXXX XXXX has informed Navient 's caller, a XXXX XXXX, that XXXX XXXX is very ill due to XXXX and that the calls are upsetting her. Rather than advise XXXX XXXX and her husband that the co-signer 's obligation can be forgiven due to her XXXX ( if she applies and qualifies ), the Navient caller has continued calling the co-signer, thereby increasing her distress. In turn, the husband and the Navient caller have been pressuring XXXX XXXX and her mother to make a lump sum payment of {$4000.00} to get XXXX XXXX off the loan. So XXXX are XXXX XXXX and her mother about the predicament and distress the loan has inflicted upon XXXX XXXX that they have asked a family friend to take an early withdrawal from her retirement account ( and incur a stiff penalty for doing so. ) However, the family friend can not do so due to earlier withdrawals already. Navient 's caller has been told this and still is using the distress of the co-signer as leverage to get the {$4000.00} lump sum payment. 
Several months into this ordeal, the borrower and her mother went to an elected official who in turn contacted a free lawyer. With the lawyer 's advice, the husband of XXXX XXXX asked Navient if she could file a XXXX application to get off the loan. The Navient representative, who knew all about the co-signer 's XXXX, said yes. When asked why the Navient representative had not told him earlier, no answer was given.
Product: Credit card or prepaid card

CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Across all 3 major credit bureaus they show inaccurate information and have been unwilling to correct. 

XXXX XXXX and XXXX show 30 Days on XX/XX/XXXX and XX/XX/XXXX all other months show paid as agreed XXXX shows 60 Days late for XX/XX/XXXX and XX/XX/XXXX Inaccurate data provided to bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Moto lease is reporting on my credit bureau that I had a loan or lease with them and it was repossessed I have try to get them to remove it from my credit because I never had a loan with them or authorize a loan with them they wont provide proof that I open a loan With them on top of that I dont have a motorcycle license so how can I drive it Show proof or Remove from all my credit burea because this is fraud and I never opened account and I should be penalized for it I just had to have my credit report fix because it got tied to someone else in California showing I had credit cards and multiple auto loan and a home loan
Product: Credit reporting or other personal consumer reports

In the last couple of weeks, including today XX/XX/2024, I received calls from someone stating they were with Experian. They said someone was trying to open a XXXX XXXX XXXXXXXX card in my name ( I wasn't and told them it wasn't me ). They gave me a confirmation number saying it was going to be denied. After that the person tried to pitch me more credit cards saying mine were high interest and they could save me money. I told them I know my finances and I didn't need any help, told them I was at work and surprise, they hung up on me. 
They tried this again last week and again today on XX/XX/2024, only this time I was told there was a fraudulent charge on my XXXX for {$1000.00}. I told them to send me proof and when I told the guy I'll look up my account for the charge myself, lo and behold, he hung up on me again!

These people know my social security number, date of birth and what credit cards I have so I am pretty sure they do work for Experian like the said, but they are foreign sounding and the fact they are trying to do a sales pitch and lying about my accounts is highly suspect! The fact these people tell me my social security and date of birth on the phone to me is so wrong! How do they know they are talking to me and not giving a complete stranger my information? I can not get through to a person at Experian. The first thing they ask for when you call is your social security number and I won't do that! What can I do about their shady practices IF it even is them? 

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

I am sending this complaint today to request your assistance in investigating and resolving alleged identity theft items that have appeared on my credit report by Credit Bureaus. I believe that I have been a victim of identity theft, and I would like these fraudulent items to be thoroughly investigated and, if found to be inaccurate or unverifiable, promptly removed from my credit file. To provide relevant details, I would like to explain the situation and present the necessary information for the investigation : 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
Product: Mortgage

XXXX XXXX 2023 I attempted to set up payments to XXXX per month with PNC, my loan servicer. They made this process extremely hard as they would only do it through regular XXXX mail. Also, they wanted an extra payment made up front. I obliged as I have read that making half of the payment earlier in the month and the remainder later will pay off your mortgage quicker as you are paying some principle and all interest with each payment. So I go through the process and get it set up. First month was XX/XX/2023 for this to go through. 

On XX/XX/2023 I get on to my online account and see that they have only been applying payment once a month. Basically, they take the first payment and wait til the second to make an entry which defeats the entire purpose of setting up payments this way. I feel like I am being robbed. 

Attached is the ledger of transactions that they have posted on my account showing them accepting money but only applying it to the principle and interest once a month.
Product: Student loan

XXXX XXXX took out XXXX XXXX loans in access of {$40000.00} around XX/XX/2010, Interest as high as XXXX percent on one loan. XXXX wont work with me to offer lower payment options. I have used their forbearance period for all 3 loans.I pay over {$800.00} per month.
Product: Debt collection

Good Afternoon, My name is XXXX XXXX and I'm a Michigan resident. I want to file a complaint and federal charges against Michigan State IRS. I receive XXXX and I filed a renters rebate with XXXX XXXX in XX/XX/2023. The Representatives for Michigan IRS have been discriminating against me. Every time I call them they make XXXX comments and held up my refund. I filed in XX/XX/2023 and in XX/XX/2023 they informed me that an unknown entity was garnishing me refund. When I asked for a copy of the Garnishment they refused to mail me a copy. I called the court that issued the Garnishment approval. The clerk informed me that I did not have a court date for the approved garnishment or a notice of service. 

I don't know how the lawyers got a garnishment without a court date? I asked the clerk to provide the address where I should have been served a notice of Garnishment with the court date and she said there isn't one. I called the Michigan IRS back and they said the lawyers don't have to follow the steps to obtain a garnishment. I don't know how they knew I was receiving XXXX?? The refund is {$1600.00}. It's not about the money. It's about their XXXX practices and the mission to try and oppress me because I'm not XXXX. 


I want my refund. They have no right to steal. They engage in criminal practices in order to enforce their agenda to oppress people that look like me. They stalk my social media, emails, and text messages. They're so miserable and wicked. Can you release my refund. I have places to go and people to see. My number is XXXX. I think they put spy ware on my phone to listen to my conversations. They always want to know what I'm doing XXXX XXXX  days. It's so sad and pathetic. My patients is running low. I will look forward to a response and a resolution ASAP at your earliest convenience. Thank You XXXX XXXX
Product: Debt collection

I received XXXX text messages on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It stated the following each time, all from the same phone number XXXX : This is Unifin a debt collector Contact us about ref # XXXX @ XXXX or https : XXXX ChargesMayApply Reply STOP to stop texts I did not click any links. Instead, I typed in the URL. It asked me to provide the reference number and last XXXX digits of my XXXX, which gave me an error. Then it alternatively asked for my full name ( error ). I decided that if there was a real debt settlement issue, they would contact me again. 

The second time, I ignored the message. The third time, I called them at the XXXX number provided. They asked for the reference number, which I gave them. Then they stated the collection was tied to a name that is not mine or my husbands, so they said they had the wrong person on file. 

It didnt hit me until after I hung up that my first assumption that it was a scam was likely true. Nothing has happened yet. All of our credit accounts have been closed and we are in a debt management program. XXXX, XXXX, and XXXX have all been notified that we are in a DMP. 

Just playing it safe in reporting this potential scam. I should have listened to my gut, but Im particularly anxious about resolving debt these days so it clouded my judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

While checking my accounts on the XXXX XXXX app, I noticed a credit card account from what appears to be a department store. There is a current balance of {$7900.00} that does not belong to me. I am requesting an investigation into this. The account says it was opened on XX/XX/year>. Thank you. Thank you.
Product: Mortgage

I WAS TOLD OVER SEVERAL MONTHS THAT MY YEARS OF CURRENT MORTGAGE PAYMENTS WOULD BE REPORTED TO THE CREDIT BUREAUS, AFTER BEING TOLD NEGATIVE PAYMENTS WOULD ALSO BE REPORTED .. WAS INSTRUCTED TO SUBMIT REQUEST IN WRITING WHICH I DID. THEN WAS TOLD THINGS LIKE IT WOULD BE ADJUSTED TO REFLECT REPORTED PAYMENTS, AFTER MONTHS IT WAS NOT!! WHEN I CALLED AGAIN I WAS TOLD ANOTHER STORY ABOUT ATTORNEY GENERALS CONSENTS APPROVALS AND OTHER THINGS THAT DOES NOT MAKE SENSE. NOW THE MORTGAGE HAS BEEN TRANSFERED AND I HAVE BEEN TOLD THE PAYMENTS WILL BE REPORTED AND DONT TRUST THAT BECAUSE ITS BEEN TRANSFERED BETWEEN AND TO THE SAME COMPANY..