23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a debt for a vehicle of mine that was repossessed around XXXX, the car was then sold by the company and there was a balance not the amount they are saying it is for, and that balance was paid through a representative over the phone. Fast forward to XX/XX/XXXX I out of nowwhere received an email from my employer about a garnishment for an obscene amount. I contacted the attorney for the debt collection and requested to dispute this garnishment/collection and they stated they would send out documents to get this disputed, two weeks from then I have yet to receive those documents and I called and they are saying they don't know when it will be sent out, but there is a note on the account. Meanwhile I am get over XXXX XXXX dollars taken out of my salary illegally while they give me the run around on sending what I need to get this disputed. Its just crazy when things are already bad. Not to mention this debt is over over 8 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just notified by XXXX XXXX  that I have a lien on my property through castle credit. I have a water system and castle credit finance me for the system. What I didn't know that they put a lien the minute you except the loan. I tried to refinance my house and it can't be done because of this issue. I talked to someone in castle credit and he stated that they do this with all there customers I hadn't had the loan only since XX/XX/XXXX. I am trying to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a co-signer on this loan XXXX XXXX XXXX and this needs to be removed from my credit
Product: Credit reporting or other personal consumer reports

I have been disputing these fraudulent and inaccurate accounts. I also submitted an FTC in my previous dispute, which I am also including in this dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXXXXXX XXXX XXXX  {$19000.00} XXXX. XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX Original creditor : XXXX  {$280.00} XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$7700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My name is XXXX XXXX. I was born and raised here in XXXX XXXX. 

I recently tried to sign up for a new checking account with the Boeing Employees Credit Union ( BECU ), I also tried to sign up with XXXX XXXX  XXXX but was denied. 

I was involved in a shooting and I am now getting Washington State Victims crime compensation. I received a check for {$1700.00} from the Washington State Treasury Department and I was unable to cash it at either bank because they were unable to verify my identity. 
I went to XXXX XXXX in XXXX and gave them my identification card, date of birth and social security number and XXXX XXXX was also unable to verify my identity. I ran a XXXX XXXX report on myself but they were unable to verify my identity. 
I went to the IDme.gov website and entered in all of my information correctly, I even had to do the video of my face for recognition and they were unable to verify my identity. I went to the Social Security Administration office here in XXXX XXXX  and I spoke with a gentleman there that verified all of my information is correct but because of the issues I'm experiencing he told me that I should hire a private investigator or contact the police so I'm hoping you can help me. 
I don't understand what's going on. 

TIA, XXXX XXXX DOB XX/XX/
Product: Credit reporting or other personal consumer reports

Fix my credit report now. Remove the incorrect names and addresses immediately they're not mine. Check and delete and please no more mistakes. Thank you for fixing this issue immediately. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Bought my car about 14 months ago. Was told my payments were going to be 360 and some odd cents through my local dealership. Anyways have been paying that every month. Was late a couple times due to some hardship but just four days ago my car got repossessed out of my driveway. I knew I had been making payments every month so I was confused and upset. My husband and I called ally bank the next day they told us that my payments were actually XXXX and because I " neglected '' to pay the remaining XXXX dollars on my monthly payments each month that they charged me an addition late fee of XXXX dollars or so every month I did n't make the " full payment ''. So because I had over XXXX dollars racked up in late charges they towed my car. Angry and upset I bit the bullet to pay it because I love and need my car. And clearly it was a huge miscommunication on my dealerships end verses us. Anyways regardless they should of tried to contact and let me know at least hey ur payment is n't XXXX it 's actually XXXX would of been nice instead of racking up late charges I did n't even know I had. So this was on XX/XX/XXXX my car got taken we call the next day they say we have XXXX days to make a payment or else they will take my care to an auto auction. I told them I needed a couple days to round up the XXXX ( mind you this is also the towing fees included in this too ) to pay them because it was basically going to take everything but I need my car so what can you do. I was trying everything in my power to not get my car sent to auto auction lot so I told them on the XXXX I 'd call back in a day or two to make the payment. Today is XX/XX/XXXX so two days on the dot I called to pay got the payment through only to find out they had moved my car to an auto auction lot and I now have to drive 6 hours away instead of 3 to go get my car. I was furious demanded to speak to manager kept getting transferrd here and every and everybody told me the same thing it was moved to the auto auction lot for ( storage ) purposes. And at any given point and time without payment they can move my car wherever they want. I told them look I have like no money left after my husband and I got paid I ca n't afford to drive 6 hours away just to get my car all because you got antsy and was hoping I would n't pay it. And now that I have paid it they 're rude to me and wo n't take my car back to the original lot. After I was on the phone for over and hour in escalations department they hung up on me because I caught them in so many lies it was n't even funny. I said I feel I should have to pay for these fees at all but I am anyways the least you could do is move it back to help me out a little bit but they did n't care. Told me it was too bad and if I want it towed back to original lot I can pay for it. Otherwise I just need to drive and get it cause I failed to pay before they decided to move it. So will never deal with them again and I hope they go out of business and every person working for them becomes unemployed because they are so disrespectful and unwilling to help when it was all over a HUGE miscommunication
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that I was never late to credit bureaus and they have not updated this to show in their system.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXXXXXX AMOUNT {$510.00}, US DEPT OF EDUCATION ACCT XXXX, XXXX XXXX XXXX ACCT XXXX AMOUNT {$970.00}
Product: Credit card

We respectfully requested that Discover Card remove the 30 days late from our credit report. We have been good customers and Discover Card has been great to us. After making a XXXX XXXX dollar payment on the card we made a mistake on the next payment. We had it set up to go out automatically but it was the wrong amount. We didnt know anything was wrong until the card began to decline. We didnt get any alerts. 
We have set up automatic withdrawals with Discover Card so that it will not happen again. It was a big mistake on my part that cost me XXXX XXXX points on my credit report. We usually receive an alert when anything is going on with the card. We didnt receive any alerts. A representative from customer service said that someone would reach out to me on why we didnt receive an alert. No one did. 
The month that it happened I was diagnosed with XXXX. I didnt realize that I must have put the information in wrong. We have spent all of our live maintaining our credit and Discover Card refuses to help us with this issue. 
Remember we paid XXXX XXXX the previous month on our card. That is why Discover Card should see this as a one time error. I am trying to get a auto loan and the thirty days late has hurt me.
Product: Debt collection

This account was removed from my credit report. and now its back on there and I havent received any information why its back on there. I asked this company to send me information on how they came up with me owing them and I havent recieved anything. They have refused to send me any contract saying I owe them. & this is a third party so I dont know how they came up with me having to owe them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XXXX XXXX. 
Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan from XXXX XXXX XXXX BALANCE : {$7300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 50 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had a late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2020 Please investigate and provide proof with statements showing that these payments were late. Also this was around XXXX XX/XX/2020 we according to XXXX XXXX I got a pass because I wasnt fully working that month because of XXXX  If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Months 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 #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all 3 bureaus almost immediately following discharge. 

On XXXX XXXX 2023, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed credit accounts that I never opened but dispute results stated that the accounts are verifiable and therefore can not be deleted. I had no income at the time that these accounts were opened, in fact I was basically homeless at the time so it would not have even been possible for me to have even gotten approved to open any credit card accounts. The last ten years I spent homeless I had my socal security card has stolen 10 times along with two birth certificates and multiple driver 's license. Now that I'm not longer homeless and somewhat working using shiftsmart I was applying for a business loan or a credit card to start a business and was denied because of poor credit when I checked my credit report almost all information on it was inaccurate there were accounts that I never opened that have now ended up in collections. I don't understand why these creditors didn't check a little better and found that I had no income but instead they approved credit accounts to be oped in my name and they allowed my credit score to become damaged. It's their responsibility to check for income and verify identity before approving a credit card. I was unemployed I had no income at all so why did they allow credit cards to be approved, and when I dispute them the results come back as being accurate. They need to fix this as soon as possible because now I can't buy a car, rent an apartment, get any credit cards, start a business get a phone auto insurance because of them not verifying my identity and income. Even after I disputed inaccurate information and accounts not being mine explained that I had had social security cards, driver 's license and birth certificates stolen they still wouldn't fix my credit and send accounts to collections.
Product: Mortgage

Vanderbilt Mortgage and Finance , Inc.

XXXX XXXX XXXX XXXX XXXX Subject : Wrong Address/Location of Mobile Home in Legal Filing, Illegal Dispossessory Notice Violation of Landlord/Tenant State Law To Whom It May Concern, I am writing make you aware of a situation concerning a Dispossessory Notice ( Civil Case : XXXX ) my tenants received on XX/XX/XXXX for a Mobile Home I own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This violation of my property rights and my tenants rights indicates this dispossessory process is illegal and has no merit. This is due to the Plaintiffs Attorneys, XXXX XXXXXXXX XXXX negligence and blatant disregard for research, follow up and the truth. The Plaintiffs Attorney is trying to steal a Mobile Home that I own through XXXX XXXX XXXX, XXXX, has no mortgage and has never had a business relationship with the Plaintiff. 

In summary, the Plaintiffs Attorney, XXXX XXXX, submitted the wrong address/location of the Mobile Home in in Civil Case XXXX for dispossessory to the XXXX XXXX XXXX XXXX on behalf of Vanderbilt Mortgage and Finance , Inc.. The Dispossessory Notice my tenants received does not comply with the legal standards because the real address in question, according to tax records is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. Specifically : The Mobile Home that is indicated in the Dispossessory Documents is a XXXX XXXX XXXX XXXX. My Mobile Home is a XXXX XXXX XXXX and was built in XXXX, and purchased 18 years ago with cash. My tenants are a young couple with kids and have been renting from me for over 8 years. 

After the first notice was served to my tenants with the name of XXXX XXXX on XX/XX/XXXX. XXXX, I called the Sheriff 's department and told them they had the wrong address/location listed and that I have never heard of XXXX XXXX XXXX I also called XXXX XXXX, Plaintiffs attorney and told him he had the wrong address/location and I found the address that he was looking for in the tax records under XXXX XXXX XXXX This address was the XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. He acknowledged the email I sent with the tax record screen shot and said he would take care of it. 

This harassment, infliction of emotional distress of myself and my tenants needs to stop and appropriate action by the District Attorneys office would be appreciated. 

Sincerely, XXXX XXXX, Managing Member, XXXX XXXX XXXX, XXXX
Product: Debt collection

They are saying they are collecting a debt for a payday loan. When I ask for a validation of the debt they say they have sent it, but I have not recieved nything from them. Also I have told them it was included in my bankruptcy in 2013 and I have told them to contact my lawyer and to quite calling me. They calling me several times a day.
Product: Credit reporting

I just viewed my results from experian and noticed that they re-inserted information that was previously corrected. My XXXX account/XXXX was reporting as accounts that are in good standing. I submitted a letter that I received from XXXX stating that my account was never paid 30 days late back in XX/XX/XXXX and to please correct my credit report. Experian corrected it the first month now I just noticed they put this account as " accounts that are considered negative '' with a 30 day late payment in XX/XX/XXXX. This is not right. I had to contact XXXX to request this letter from them then send the letter over to experian to have this information corrected and now they are reporting it again in accounts that are potentially negative and should go to a positive status in the year XX/XX/XXXX. I just tried to dispute this information again with experian but the system would not allow me to do so. I am submitting this complaint about experian credit reporting agency because they are affecting my credit score by re-inserting an account into negative when I provided substantial proof to them that this account should be listed under " ACCOUNTS THAT ARE IN GOOD STANDING ''. I never had a late payment with mandee 's credit card so the information experian is reporting on my credit report is wrong. Again I have to go through the process of submitting this letter to them again wait 30-45 days and hope they correct my credit report. I have spent so much time and effort and letters along with my time in trying to correct the incorrect information that is reporting on my credit file. Experian is a horrible credit reporting company.
Product: Checking or savings account

My bank does n't update my acct information in a timely manner so I end up with nsf fees even when my acct is positive
Product: Mortgage

I have been in review forever with Chase. My mom passed away and I have provided everything to the lender trying to save the house and assume the loan. 

They now have placed a sale date on my house and I am afraid I am going to lose my home.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family .please remove the fraudulent accounts and inquires from my credit report as soon as possible