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

XXXX  is reporting incorrectly a collection/charge-off on RISE account number XXXX. ( Please see page 2 of the attached credit report. ) In XXXX, 2015 I made a final payment of {$2100.00}. This payment should have made this account report a {$0.00} balance. The total amount of the loan was {$2500.00}. I keep receiving bills for outstanding balances due that are non-existent. I make the payment required, only to discover that none of the payments are applied to this account. Every time I inquire about what the actual balance due and owing is, the amount goes up and up. I have paid over {$11000.00} on a loan that I never even signed for. This account was opened fraudulently by my ex-husband however, I had no choice but to make the payments until I straightened this account out. I received no assistance from RISE and they refused to close this account. My ex husband e-signed my signature without my consent. I did not authorize and/or approve for this account to be opened. When I discovered that there was an account in my name, I immediately contacted RISE and let them know I did NOT open this account. I requested copies of the alleged documents that I signed and discovered from the Disclosure Agreement that this fraudulent loan that was taken out was charging 274.21 % interest. According to their calculations, the original loan amount of {$2200.00} would cost over {$8700.00} in finance charges. After making all of the scheduled payments the total cost of the loan would exceed {$11000.00}. This is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! I was forced to make the minimum payments due until we could come to some resolve of this fraudulent account. I was never able to make any headway with the representative and as time marched on, the account grew larger and larger. I would pay it off, only to have a statement arrive and see that the balance due was more each month. This incorrect reporting is seriously harming my credit score and this account needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting

I received a credit report from Equifax in XX/XX/XXXX and realized my date of birth was incorrect. I was told to fax over my personal information which was ; copy of drivers license and social security card. My DOB was updated. In XX/XX/XXXX I received another credit report from Equifax and it had several addresses that were not mine, a formally known name that was not mine, a social security number that was not mine. A XXXX credit card with a {$10000.00} line of credit and a XXXX account that is not mine. I have disputed twice once by fax and once by certified mail. The result from the first dispute is they would not be removing any of the incorrect information and the credit report remained unchanged. Second response is Equifax could not make out my social security number and license. I have mailed a copy of a recent utility bill and a XXXX form. I went to a professional copy shop to have copies of all of these documents copied since this was a response I received in the past. I am in the consumers affairs department which means I have lost the ability to have online access to my credit file and i applied for a credit card and was denied based on the inability of the creditor to pull my credit report from Equifax. Equifax told me I was in this department indefinitely and they refused to give me a reason why. I can not discuss over the phone my report with Equifax. I would really like your assistance in gaining access to my credit report on line and having a correct credit report.
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 XXXXXXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting

I submitted a dispute for my XXXX XXXX card because it showing that have XXXX thirty day late payments. The 30 day late that is showing for XXXX is not correct as I submitted the payment on XXXX and that is not 30 days late. That payment was paid and came out of my account before XXXX which would have been 30 days. The late payments need to be removed for account ending in XXXX
Product: Mortgage

Hello, I am XXXX XXXX. My property at XXXX XXXX XXXX, XXXX XXXX, Arkansas is being attempted, to be foreclosed on by Ocwen Loan Servicing, LLC.  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. The alleged account number is XXXX, I own this property outright and is in my possession. There is not anything owed on it. I was given an IRS XXXX form for settlement in 2016 ( see attached ). Ocwen XXXX XXXX, XXXX. is harassing me by calls, letters, and statements, etc ( see attached ). for approximately 2 years on paying a debt which does not exist. Also, Ocwen Loan Servicing LLC.has not released any property liens. I request they release these liens because property is paid off ( no balance remaining ). My contact number is XXXX XXXX XXXX please send all correspondence to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arkansas XXXX.
Product: Debt collection

I have a medical collection that was report on XX/XX/XXXX for {$5.00} that was added to my account by Paragon Revenue Group which has impacted my credit score. I have been to the Dr since XXXX of XXXX with no balance being due and now this was added to my credit.
Product: Mortgage

On XX/XX/2021 I closed on a house with XXXX XXXX. On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX sent me a letter regarding the transferring of my loan to PHH Mortgage Services. PHH Mortgage sent me 1solitary coupon for the 1st payment which I received on XX/XX/2021. On XX/XX/2021 I wrote out a check in the amount of {$880.00}, the amount stipulated, dated for the XXXX of XXXX, when my first payment was due, and I sent it out to PHH Mortgage along with the 1 coupon I was given. By XX/XX/2021 I began calling PHH Mortgage Services to inquire if they had received my check. They refused to answer my question. They would respond by saying, I should go on-line to pay. It wasn't until XX/XX/2021 when I received a letter from PHH Mortgage Services telling me they were sending me the copy of my check because they had 'destroyed ' the original. The reason given was they don't accept post dated checks. I tried reasoning with them on the phone and their response was that I should go online. So feeling defeated, I tried going online. However, before allowing me to pay online at XXXX, I had to check off their agreement terms and conditions box. After reading the lengthy stipulations, especially the one having to do with my taxes, I decided I would not be agreeing to their terms for online service. So, because of that I can't pay online. So if I can't pay my mortgage by mail because they refuse to provide me with coupons, and I can't pay online because I don't agree to their terms and conditions, then chances are I will never be able to pay my mortgage and in my opinion, that is exactly what they are waiting for. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found that JPMCB-CARD SERVICE has pulled my credit score on XX/XX/2018, without my knowledge, consent, and request. I even don't know what is JPMCB. 

Remove this incorrect reporting from my report. Else provide me the evidences showing my credit card application with JPMCB CARD SERVICE.
Product: Debt collection

XXXX XXXX XXXX  state that I owe {$1100.00} for a emergency bill in XXXX XXXX, Nevada. This bill is from a physician. This debt is not valid and does not belong to me. The bill does not have my correct date of birth. The bill also shows that I was uninsured at the time ; however, that is false. I can provide my health insurance information at the time. I have been attempting to have this debt validated by XXXX XXXX XXXX  for four months and they have yet to validate.
Product: Mortgage

Opened a HELOC with Ditech in 2007- set payment {$200.00}. Somewhere down the line it ended up with XXXX which was fine, then sold off to Greentree which was a constant problem so I started paying $ 1000-2000 a month just to get it over with but they refused to accept any more payments once I got 12 months ahead of the curve. Say what? You don't want my money? Anyways, Greentree apparently changed the terms of the loan and now I have an escrow account. Two years later I realized it wasn't going away because I was paying homeowners insurance and property taxes twice which ripped me off for over {$6000.00} cuz I wasn't looking. This is when I heard of Greentree / XXXX XXXX Class Action Lawsuit and suddenly I'm back with Ditech ( but with altered terms- escrow ). For the last 3 years I have tried to get Ditech to remove the escrow requirements since they are not my primary mortgage lender. Ditech finally did after some " legal intervention '' but now charge me a {$6.00} monthly " servicing '' fee and every year they force place insurance policies on my account and the phone calls start all over again. Hello year # 4. A simple XXXX search revealed a lot I did not know regarding how XXXX  suddenly disappeared during the Class Action and is now Ditech. Thus why I join the ranks of the growing dis-contentment in a public forum. I just want my original terms which I have in writing from 2007 honored and stop all the shenanigans to score a few extra $ $ $ from people who thought they could trust a contract. -XXXX
Product: Credit reporting or other personal consumer reports

Again, I appreciate your time to REMOVE some of the incorrect credit information in my file that resulted from an erroneous credit report entry but I still have ITEMS left that needed to be removed. I am submitting this time to notify you of incorrect entries on my credit report, which I am disputing. These items do not pertain to any transactions involving goods, services, or money that I have made or authorized. I request the removal of these inaccuracies from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed items are unfamiliar to me, and similar information has been deleted by other credit bureaus, leading me to question their accuracy. The reported payment history for these items is also confusing, as outlined in FCRA 605B ( c ) ( 1 ) ( C ) Authority to rescind.
Product: Credit reporting

This report is not the first filed, but it is the one that included communication with both Equifax and the bankruptcy court itself. 
In XX/XX/XXXX, I filed a request w/bank. Court to request Ch XXXX court fees be waived IF my husband and I decided to file bankruptcy due to the fact I had been laid off and was worried we would be late on mortgage on my homestead home. I had to file pro se due to financial problems. Clerk required me to fill out info regarding my husband and I in general, but no creditor info. I had no idea the form implied I was filing Ch XXXX for my husband and I. 
The request was granted to waive court costs, but I found I would get Unemployment for the layoff, so we decided not to seek protection from the Court. In addition, Citimortgage had removed my name from my homestead home mortgage and refused to put it back on, so I did n't think I would be able to get protection anyway, even though the home was my HOMESTEAD HOME for XXXX yrs total and I never had one late payment on it ( filing separate complaint ). 
Bankruptcy was ruled as " dismissed '' due to " other reasons '' as we did not respond to supplying ANY creditors or file any first notices. Neither my husband nor I even knew that we had bankruptcies listed on our reports until years later, at which point I began disputing them. 
The court listed XXXX bankruptcies on each of our reports only 15 days apart with XXXX separate case numbers both " dismissed ''. The credit reports listed XXXX and XXXX as the bankruptcy file numbers, a phone number that was no longer in service as the contact, and repeatedly said they verified the information with the Court through that number and that both were valid and refused to remove. 
I sent a letter to the bankruptcy court to dispute after calling several times and being told by the Trustee that it " was n't their problem ''. I received no response. I hired XXXX XXXX and currently XXXX to have these removed to no avail. 
These XXXX bankruptcies have been listed on both mine and my husband 's reports for over 7 years and have severely affected our credit and ability to get credit and they STILL refuse to remove either bankruptcy. We have n't been able to afford a lawyer and have n't been able to find any guidance on how to have them removed. In researching I found it is too late to appeal and I do n't know how to file a motion to vacate and I ca n't afford a lawyer. I feel the Court should have removed these the first time I disputed them XX/XX/XXXX when I first learned about them and disputed them, and that they should have ensured they were both removed from all three bureaus from both our reports. I NEED them removed now. We have paid for my mistake for long enough and the law states that if there is no evidence of unethical intent or attempt to defraud a creditor or delay a payment, the dismissal should be vacated or reversed. 
I have all supporting documentation regarding the facts above and will be happy to share it. Please email XXXXXXXXXXXX or call XXXX. 
Thank you in advance for your understanding and cooperation in this matter. 

Sincerely, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report today and noticed a few inquiries that were made that were not made by me. I took a look at all the companies and it seems they are all credit card companies and have not applied for any credit card companies myself and would like them to be removed because I was in the process of looking into what I needed to do to increase my credit score. I recently got married and have a child XXXX XXXX XXXX. We are looking to purchase a house and this is holding us back. Thank you!!
Product: Vehicle loan or lease

I checked the loan application along with the contract and the original loan amount and fees do not match. I reached out to the dealership, but they are no longer in existence. I reached out to their parent company and they no longer have the records. ( They were supposed to keep them for 5 years. XXXX would make 5 years. ) I asked in a previous complaint for a notarized account ledger, but was denied, which is a violation of TILA. That was regarding payments. This complaint is for the overall agreement- which makes this a new complaint. I have attached pictures of the contract and finance application that ACA- the assignee, of which was not the original seller- who bought the accountant, which makes them liable, for fraudulent accounting. 

The complaint is fraudulent financial practices. The contract and the application amount are different for how much the cash value is and how much was truly owed. There was an undocumented up charge to in cash value and how much was owed, and was told that {$1000.00} cash downpayment was mandatory. 

In this matter, I would like to see the notarized accounting ledger, and for this issue to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and and I have one fraud item still on my credit that I dont recognize not did I authorize!!! I would like it removed. I've applied with every thing that's been ask of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Experian about XXXX XXXX XXXX they buy disputed debts which have not been proven and try to collect the full amount. Third party debt collectors are not creditors and should not be allowed to report to the credit bureau.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. 

XXXX XXXXXXXX XXXX XXXX XXXX Ca XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$4100.00} XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} - late open XXXX XXXXXXXX Balance Owed XXXX {$240.00} XXXX XXXX XXXX Balance Owed XXXX {$6100.00} XXXX XXXX Balance Owed : {$4100.00}
Product: Vehicle loan or lease

I got divorced in XXXX, my wife then two months before went to the dealership and sign my name to a lease of a XXXX XXXX XXXX. The payment was XXXX XXXXper month. So after we divorced she dropped the lease in my lap. She said she didnt have the money to pay for it. So I took it back to the dealer, and was told I could return it but the payments and the other fees I still have to pay. Sales and finance said that it was my signature on the lease and it was my responsibility. They then told me that since I had to still pay for lease, they can put me in a lease for with the same as the truck to replace it payment wise. I agreed thinking I was just paying for the new lease in place of the old lease. After about 5months I get two bills from TFS saying I still owe on the truck and the car lease. They added the reminder of lease of the truck to my car lease. I struggled to pay the {$790.00} as I retired from the Military the same month XX/XX/XXXX. I attempted to get payment lowered, TFS told me no because of my now credit score after the divorce. I was always a two payments behind because of due date they wouldnt change. I get threatened with repossession of the car every month. Its about 8months and the day I had to had the last current month payment in, I had to send it by XXXX XXXX. That night they repossessed my car. After the fact that I brought it current. I tried getting my car back, and was denied. Two weeks later they sold it at a auction. The amount that it was sold for wasnt and still hasnt been disclosed to me, and TFS reported to credit unions that I still owe them $ XXXX. I also asked them about the Solider and Sailor Act, and was shut down. Im a retiree on a fix pension after divorce, and on the hook for a payment on a prior lease that was add to a newer lease I didnt sign for. Now my ex-wife credit score is  800+ do to her paid debts off. So if thats the case her credit was attached to mine, but my credit file never changed
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX  ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus Experian, XXXX, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

My husband passed away in XXXX. My bank statement for XXXX showed social security deposited his money into our account, three days later it was taken back out. I assumed social security did this. My appointment with social security wasn't until XX/XX/2019. I asked about them doing this, social security informed me they did not take back XXXX 's money because that check was for XXXX. He said my bank did that to me. I stopped by our bank, Banner Bank, to ask why they did this to me and how they had the authority. Also they did not send me any kind of notice.They said it was their bank policy, I asked many times to see their policy and it was never given or shown to me. They did not have the authorization to do this, not from me and not from the social security office. Not to mention what they did to my finances at the time also dealing with my husbands death. I know I am not the only one they have done this to. I plan on leaving Banner Bank and spreading the word on how they do business.