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

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX  XXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXX XXXX {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Bank account or service

I am steady receiving harassing, threatening and abusive telephone calls and death threats from U.S. Bank debt collectors for a debt and checking accounts that was opened up in my name, illegally and fraudulently. I have never applied or opened a checking account with U.S. Bank. I am a victim of identity theft.
Product: Credit reporting

Equifax is report that XXXX XXXX XXXX XXXX credit card accounts of mine were settled in XXXX. The accounts were settled in early XXXX. This is damaging my credit score. The accounts are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX ( This account is being reported twice ). The other XXXX agencies are reporting correctly.
Product: Student loan

XXXX XXXX private loans through navient and XXXX ; the degree is worthless, and more loans were taken out than necessary, without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as experian, XXXX and XXXX
Product: Debt collection

For at least six years I have had XXXX collection agency after another call me about a debt with someone with the same first and last name but a different middle initial and born in a different decade. How can I *PREEMPTIVILY* STOP ALL current, new and re-named collection agencies from calling me?!!!!!! They now have my very private cell number. I am retired with ZERO debt with ANYONE!!! This is unacceptable and I am XXXX tired of this XXXX. HOW CAN I STOP ALL -- ALL -- DEBT COLLECTION AGENCIES FROM CALLING? I am on ALL NO-Call lists. Is there no NO-Call list for people who owe NO-one ANYTHING???!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on XXXX XXXX and Equifax. XXXX has corrected it. Thank you, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account go delinquent with XXXX XXXX a couple years back. They ended up sending a bill with the option to settle for about {$200.00} less than what was owed ( if I sent the payment back in full for what they were asking ) so I decided to jump on it. It wasnt an easy decision seeing as how the pandemic was starting, and my partner and I just had a baby. I sent the payment back to credit one with a check. Never heard from them so I was assuming it was cool. I THEN ( about XX/XX/2020 ) get SERVED by a lawyer for MIDLAND CREDIT. I immediately contacted the lawyer listed and paid the remaining {$200.00} I owed, PLUS another {$100.00} because I thought I had to pay for court fees for midland filing! I got the letter from the lawyer ( on behalf of midland ) that the account was settled and closed. 

NOW I see a collection for {$600.00} pop up from midland on behalf on credit one! Im starting to think these businesses are in cohoots with each other and are taking money from VICTIMS during this pandemic. I have a lot on my plate and this MISHAP just set me back a million miles. I cant believe this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am addressing XXXX XXXX XXXX XXXX, Transunion, and XXXX. I just want to know why XXXX XXXX XXXX XXXX Labels every complaint and request from the Consumer Financial Protection Bureau as duplicate. I will continue until I receive an answer. AGAIN, XXXX XXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXXXXXX XXXX XXXX  be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. XXXX  XXXX XXXX XXXX can call me and explain their position instead of just ignoring and playing games labeling all complaints are duplicates. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX  to explain why every complaint and request sent to XXXX XXXXXXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! XXXX  XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in XXXX that led to a fraudulent auto loan.
Product: Debt collection

I received a copy of my credit report and discovered that the following items were incorrect. I have explained the discrepancies in the numbered entries listed below. 

**This account is OVER SIX YEARS OLD**** XXXX XXXX XXXXXXXX According to my records the information of this account is inaccurate. I have been fighting to get this removed for OVER SIX YEARS!!! 

I requested Experian remove this information from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 168l et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contact so I may follow up.
Product: Debt collection

I XXXX XXXX am disputing a XXXX XXXX XXXX debt of {$440.00} from resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This dispute has dropped my credit score by 26 points. I have contacted XXXX  and XXXX  credit bureaus to have them add a fraud alert and credit freezes on both until I can find out what has happened or is happening. As of XX/XX/2019, I have an XXXX  score of XXXX, XXXX score of XXXX, but an XXXX  score of XXXX which is down 25 points which is absurd. XXXX  and XXXX  told me that although I have a freeze on my account, that wont stop the problem of XXXX XXXX XXXX ( ERC, a debt collection company ) from placing this back on my credit. 
Either a new tenant used my cable fraudulently or I was taken advantage of because XXXX XXXX knew that I would not see any payment notices because of me moving. I notified XXXX XXXX XXXX ( ERC ) that this is not my doing and this account is fraudulent. I was told by ERC customer service agent who took my call and gave me a reference # XXXX that XXXX XXXX stated that the customer moved out of town. I had a forwarding address for XXXX  State and never received a final bill notice of {$440.00}. Therefore, I think I was taken advantage of or either this is fraudulent. 

I am currently reaching out to The Attorney General of XXXX, The Federal Trade Commission, The Federal Communication Commission ( FCC ), The Consumer Financial Protection Bureau, and The Consumer Fraud Bureau of the Attorney General of XXXX XXXX  ( Which is XXXX XXXX Headquarters ) to resolve this debt benefit and negligence of XXXX XXXX, an investigation of this dispute from ERC, and to avoid any future credit score drops.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the loan in full XX/XX/2019. The company refuses to update my credit report. I have asked several times by email and they either dont respond or tell me it can take 45 days or longer. When I disputed the balance due and last payment made in my credit report with the 3credit reporting agencies I was told that XXXX   XXXX  insisted I had a large balance and that my last payment was in XXXX rather than indicate the loan had been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian about a bankruptcy that they are reporting on my credit report. Their answer was that they verify the account with the furnisher, but the furnisher which in this case is the court send me a document saying that they don't share information with the bureau. XXXX has failed to send me proof of verification including method of verification as they are required by the law. Attached are the previous letters I sent to Experian.
Product: Debt collection

I received a text message stating I owed money to XXXX for the period between XXXX and XXXX, for my residence at XXXX, WA. I had filed a dispute with XXXX XXXX when this popped up in my credit, stating that this was not mine. XXXX is an alarm service that is a month-to-month billing method, not a request for credit. I moved from XXXX, Washington to XXXX XXXX, Washington on XX/XX/XXXX, so there is no way that I could have had a monitoring service in XXXX, when I wasnt even living there. I received a text message stating from Zions Debt Holdings, XXXX XXXX XXXX, XXXX XXXX, UT XXXX, XXXX, with a XXXX credit listing as an opened account on XX/XX/XXXX, as derogatory. I have disputed this and told the collection agency to cease and desist. They continued to force me to pay and said I would need to go after whomever made this charge. I told them that was their responsibility as the burden of proof is on them. I additionally told them that regardless of such, it is beyond the 7-year window. They continued to harass me, and when I said I would complain, they said good luck with that, it wont remove the item and well mark it as refusal to pay. I have attached evidence of their claim and evidence to support mine. I would like this remedied ASAP.
Product: Debt collection

In XXXX 2020, I have no record of making a payment to PNC credit card services. On XX/XX/XXXX, I called XXXX, and talked to the bank consultant. I asked for the full balance due. I was informed that I owed {$250.00}, which I paid by debit card with the Reference Number XXXX. On XX/XX/XXXX, I was contacted by PNC by phone, and told that this was an attempt to collect a debt and that my credit score might be adversely effected. I declined to make a payment at that time. On XX/XX/XXXX, I spoke with a bank consultant, who informed me that the debt was due to a late payment in XXXX. I stated that, if that was the case, I should have been so informed when I contacted the bank on XX/XX/XXXX. The bank rep told me that she saw my payment of {$250.00} on XXXX XXXX, 2020. 
However, she said that the late fee and interest were still due. I stated that I should have been informed of this on XX/XX/XXXX and that the penalty and interest should be removed from my account.
Product: Mortgage

On XX/XX/year> I was in contact with Chase Mortgage after my mortgage was accidentally paid XXXX  in XXXX. They advised me they would issue a refund in the amount of {$1800.00} for XXXX of the payments. This payment being made, made my checking account negative {$1800.00} as I was in the process of switching banks when this happened. Chase advised me my bank would have the funds in XXXX business days. When the funds were not received by my bank, I contacted Chase. At this point they told me they were not even able to tell me how the funds were supposedly sent. After about XXXX minutes of telling them that it was unacceptable that they could not give me information about how my money was sent, they escalated this issue to another team. From there I was able to find out that the money was supposedly sent via wire transfer. We did a XXXX way phone call with my bank where they confirmed they had not received any funds. Chase also gave them a tracking number to check with the Federal Reserve, and my bank was unable to find any trace of a wire ever being sent to them. I have had multiple other calls with Chase where they say they will request a refund, they will try to get the routing number and account number where the wire was sent, and I still have not received any of this information. Today I called them and they tried to tell me that they can not refund my money and they still can not tell me where they wire was sent. She said she was escalating this to Senior Management and some back office team to try and get information. Still I have nothing, and they have my money and are refusing to help me or give it back. Now my checking account is going to be charged off since it has been negative for so long, because Chase will not give me any information or give me my money back. I had to threaten legal action to even get this far with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2020 from Bank of America concerning Account No.  XXXX. According to this letter if I paid {$1600.00} by XX/XX/2020 ( LAST DAY FOR PAYMENT ) " you may continue with the contract as though you were not late ''. I made the payment online of {$1600.00} as instructed XX/XX/2020. Additionally, on the same day I made another payment of {$750.00} to Account No.XXXX since I have two car loans at Bank of America for which I sought COVID relief. NOTE THAT XXXX ARBITRARILY REDUCED MY CREDIT SCORE BY 116 POINTS XX/XX/2020 CHANGING MY CREDIT RATING FROM A GOOD XXXX TO A FAIR XXXX FIVE DAYS BEFORE WHAT I WAS GIVEN TO UNDERSTAND ANY ADVERSE ACTION WOULD BE TAKEN ON THE PART OF BANK OF AMERICA. As a result of this Complaint I want my FICO score corrected, immediately, and a Note to my Financial records that acknowledges as well as corrects the error. From Bank of America I want a corrected LOAN PAYMENT HISTORY ( from inception to YTD ) for both loans ( XXXX and XXXX ). Your immediate attention, from both institutions will be appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. 
The following accounts are being disputed : XXXX. XXXX * Account Number : XXXX * Credit Bureaus : XXXX XXXX Experian XXXX. XXXX * Account Number : XXXX * Credit Bureau XXXX XXXX XXXX. XXXX * Account Number : XXXX * Credit Bureau : XXXX XXXX XXXX XXXX * Account XXXX : XXXX * Credit Bureaus : All three bureaus XXXX. XXXXXXXX XXXX  * Account Number : XXXX * Credit Bureaus : XXXX XXXX Experian I have contacted the respective credit bureaus ( XXXX, Experian XXXX and XXXX XXXX and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law.

As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file.

Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit. 
I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.
Product: Credit reporting or other personal consumer reports

The information is incorrect..in addition I received information on the wrong person. I filed a fraud report with the local police department and this org still managed to go into my bank account and put a judgement there which caused all my monies to be tied up and a financial hardship for me. I had to borrow to pay my rent and pay most of my utilities and additional monthly bills. Also, this account was closed and charged off and XXXX found this to be strange I have requested signature and ID information from this organization and I have yet to receive the correct information. All I received was printed info regarding another XXXX XXXX. I went to court and they never showed up yet a judgement was granted via XXXX. This is stressing me out ; I tried fighting this without counsel but I see I will have to find counsel to deal with the organization which I can not afford. They have various addresses and when I went to their office it was to no avail the XXXX time. The XXXX time I was able to locate them with the courts help to serve this with an Obligation file to get my monies back.. This is tiring and I simply do not have monies to pay for a debt that is not mine.
Product: Mortgage

Hi, Ive been working for months with XXXX XXXX XXXX XXXX| Owner XXXX # XXXX Individual XXXX # XXXX Call or text -- Office : ( XXXX ) XXXX Cell : ( XXXX ) XXXX XXXX on a new conventional home loan refi. He is a loan broker and my complaint is not with him. My complaint is with the underwriter, United Wholesale Mortgage ( UWM ). 

I timed the lock perfectly at the low and got a quote for a 15 year, $ XXXX loan@ 2.625 % with $ XXXX in loan fees. Our loan number with them is XXXX. 

My wife and I have spent very many hours of precious time providing UWM with enormous volumes of information that proved we met all their qualification rules. All the while during this process, interests rates have been creeping back up and now they have changed the rules to say we no longer qualify, when in fact they refuse to honor the lock because rates are higher now. 

They are concerned about the short-term contracts that are typical with software programming contractors like me. Their rule stated that you still qualify despite the intermittent work schedule if you are unemployed for less than 6 months and your income during the months you were employed were sufficient to qualify. I met that requirement. 

Now that interest rates have crept back up, they changed the rule to state that I must be employed at the current job for 6 months and then we would have to start the whole time-consuming process over again, with rates now much higher! 

I called the UWM consumer advocate department ( XXXX ) today, XX/XX/20, to see if they could address this complaint and get our loan closed, as promised. But they never called me back. Then I sent an email, similar to this one to XXXX, which I got off the UWM web site, but never heard back from them either. 

Please force UWM to honor their end of the contract and get this loan closed as promised. 

Thank you, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX charged me {$920.00} was to be shipped to get to me on Wednesday XX/XX/2023 but on Wednesday I called to tell them that it still aint shipped and if it isnt then cancel it they said yes they will. XX/XX/2023 at XXXX XXXX They just shipped it and it was delayed and not received so for a item then after not reviewing it with ontrac they couldnt find it and was lost so they said contact XXXX which I did multiple times to help the wont and told me to stop calling them even hang up on me. So I went to affirm to dispute it and they opened it I have so much proof from XXXX and XXXX but still giving issues with closing the loan even after the proof that didnt get it i also did a dispute with them for two months now and they wont help i gave all the info needed to fix the issue and proof of me not getting it yet thye choose to do ntn about it but waste time on the matter and say no i am to pay for a loan for a item that i dont have it is crazy
Product: Debt collection

A security deposit was required to activate power at a home I was WORKING on. They kept the deposit on never told me about any excess debt. This home was in a company name and is not my debt even though I paid the deposit.
Product: Vehicle loan or lease

For over 9 months now i have been calling between the credit bureaus and GM financial to have my GM financial account reporting to the credit bureaus. GM financial has repeatedly told me it would be taken care of. Repeatedly i have had to inquire as to why it is not reporting still. Repeatedly i am told that one single.person in GM Financial deals with this. This is a person i can never be connected to. Supervisors at GM have been supposedly emailed repeatedly. I have left numerous voice messages. Three days in a row for eg i called the number i was given, 25 x, no answer except a vm. I have tried extensively to correct my credit and this issue has prevented me from getting a few health assisting loans i have greatly needed. I have flatly been informed if my auto loan was reporting i would have excellent credit
Product: Debt collection

THIS ACCOUNT WAS OPENED IN XXXX THE ORIGINAL CREDITOR WAS CAPITAL ONE CREDIT CARD. THIS FACTORING COMPANY-XXXX  XXXX  BOUGHT MY DEBT FOR A XXXX AND INDICATED THAT THE ACCOUNT WAS OPENED IN XXXX THEY FALSELY INDICATED THAT THE ACCOUNT WAS OPENED AND THE REMOVAL OF THE WRONG YEAR FOR XXXX. ACCORDING TO WHAT I READ THE CREDIT REPORTS MUST DELETE OR UPDATE THE CORRECTED INFORMATION. I HAVE BEEN CONSISTENTLY ON THE COMPANY AND THE CREDIT REPORT TO CORRECT THE ERROR. 

AT THIS POINT I AM REQUESTING THE XXXX  XXXX  DELETE ALL ACCOUNTS FOR INACCURATE INFORMATION AFTER DISPUTING WITH THEM FOR 4 YEARS!!!!!!
Product: Credit reporting or other personal consumer reports

Negative inquiries on my credit report and makes it impossible to obtain loans
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX XXXXhe credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have not showed a valid contract signed by me and its still on my credit report.XXXX account that they dont have a contract signed by me.