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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 
Please delete the following 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 XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX  XXXX OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX  XXXX  This is my only number XXXX All other telephone numbers are not accurate
Product: Payday loan, title loan, or personal loan

Was interested in refinancing my vehicle ( XX/XX/2013 CXXXX XXXX XXXX  w/XXXX miles ) since my current APR was 8.24 %. Called " XXXX '' because they popped up in my XXXX   feeds for loans for vehicles, so I figured with my XXXX credit score I can get a better APR.

After they pulled my credit and sending me documentation to print and sign, I decided to take a minute to read the documents, my remaining balance was around 7,700.. the loan that they were trying to have me sign was for around {$10000.00}.

They had roughly about {$3000.00} in hidden fees and charges that they absolutely never mentioned once about, and I almost signed for it.

My complaint is I shouldn't have my credit score have a negative effect from this majorly misinformation. And, to inform others about companies like this.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Nothing they did not remove the item and keeps saying I owe a debt thats not correct
Product: Debt collection

I took out a loan over a year ago that I could not pay. They have called and sent me emails threatening to have me arrested at work and to prosecute me for check fraud, among other things. They have shared my information with third parties as well.
Product: Credit card

There is a XXXX hard inquiry credit check on my credit history pulled XXXX XXXX, 2015. I understand this is associated with Paypal, and I never authorized this or requested a service beyond having a Paypal account through my e-bay transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, how many times I've disputed this account found in my credit report but still in there. As a federal protected consumer I know you no legal standing, you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It took me months to go back and fourth, I have hard credit inquire on my all three reporting agencies between XXXX some are dated XXXX and XXXX of the month XXXX loan. I never gave permission to second nor third parties to use nor abuse my credit. As you see many used it months, or days without my knowledge. I now have alert on my report once again. I did reach out to these company which was stated not seeing anything on their end with my name, as my information is not in their system I'm asking for them to be removed and updated. Thank you
Product: Vehicle loan or lease

We purchased a vehicle from Ray Skillman XXXX on XX/XX/19. We signed the loan contract and our interest rate was set at 7.94. One week later the finance person called and stated there was a glitch at the bank and our interest rate was actually 9.64 and we needed to come sign new paperwork with the increased interest rates. This upped our payment to {$490.00} per month. I stressed repeatedly we could not afford a payment above {$350.00}. They told us that we had no choice and would have to sign the new contract. They backdated the new contract and had us sign.
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. 
XXXX : # XXXX has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX has violated my rights. 
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 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 or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX was out of school for 7-8 months. Was unable to pay XXXX {$600.00} amount that had left deferment in XXXX/XXXX. Went back to school a month after I was notified of amount needing payment ( XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the Pennsylvania Higher Education Assistance Agency, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 

Submitted a dispute with XXXX in the past, XX/XX/XXXX with no resolution from agency
Product: Student loan

I believe that I am a victim of a fraudulent act. I attended   XXXX   XXXX   which is now shut down. During the time I was attending   XXXX   XXXX  , While I was meeting with the  Financial Advisor , I saw her computer screen and saw some fees that was n't quite correct. I saw that I was being charged for " gas, dorms, food etc. I asked the  financial Advisor  why It says I have Gas and Dorms, food fees if  I drive my  own car and pay for my own  gas & food and m ost importantly I am not staying in a dorm nor the school is paying for my rent. She decided to ignore the question and told me that " it 's nothing ''.
Product: Credit reporting

This is just an ongoing event with Equifax concerning the removal of address 's that I have stated many times via this portal, certified mail or even fax. I have submitted my utility bill, Drivers License, social security card, Police Report and now I am being requested once again from Equifax to submit a statement that the address 's do n't belong to me, a police report and now they have added a FTC affidavit which I have attached to this portal along with everything else. I have been disputing this information since XXXX/XXXX/15 and they have outright refused to removed all of the disputed information especially with the mountain load of supporting documentation that I have sent them. I have received letter after letter stating we will have to have the furnisher verify this information first before we can remove it. Your furnisher is the reason why the information is reported incorrectly and I have submitted many documents showing your Reporting agency that it is wrong and to make it right. I am the victim of Identity theft that is why I put a fraud alert on all my credit reports and reported this to the XXXX Police station. By Law Equifax your suppose to block and or delete the fraudulent information from my credit file within four days but as of today XXXX months since I first disputed you have done nothing but verify that those address ; s must stay due to your furnisher verifying the address 's and the wrong variations of my name. Your all wrong and I want the items corrected immediately. Here is the information that I am disputing once again : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXAttn : Consumer Dispute Dept. 

RE : SS # XXXXTo Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Equifax to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
Product: Debt collection

I received a copy of my credit report and there was a collection reported from XXXX XXXX XXXX but the bill was paid directly to the provider. There was a mix up with the insurance and it wasn't until a little later I was informed that my insurance coverage did not pay for it so I paid immediately. This never should have been sent to collections it was paid before this even started to report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed errors showing late payments that arent accurate. These do not correspond to my usual on-time payments. Please make the necessary corrections. Thanks!
Product: Student loan

When I enrolled in the income based repayment plan with Navient during my XXXX, they told me that the income based repayment will qualify me for the public service student loan forgiveness program. I paid my loan payments on time. When I graduated XXXX and went on to XXXX, I found out that none of the payments I had made to Navient were eligible toward the loan forgiveness.
Product: Debt collection

Snycb national credit cards/airlines appeared on my credit score and I have no idea who they are or what I could possibly owe?
Product: Mortgage

When i tried to set up a payment arrangement they would tell me I do n't have to pay cause I am not obligated I was like I am living in the house what do you mean then they explain its not a requirement I am still trying to work things out and the reps are not assisting in anyway I asked them to assist with putting the past due on the back of the loan and as of today 's date no one has assisted me.
Product: Credit reporting or other personal consumer reports

Experian, TransUnion and Equifax are reporting charge-offs that have been paid by guarantor and have been sold off to collection agencies. I am being harassed by these agencies with many calls seven days a week and late into the evening. 

Per my XXXX credit report, the following business ' with charge-off which have been paid by guarantor and sold to collection agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter to Experian in XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan

Applied for a loan, but did n't receive money and lender took money out of my account for a loan they did not fund. 
On XX/XX/2017 I submitted and was approved for an online direct deposit loan for the amount of {$250.00} to be deposited into my personal checking account XXXX XXXX XXXX union. On XX/XX/2017 I called in Cash Central customer service to verify the day the funds would be deposited. I was advised by a representative the loan would deposit on XX/XX/2017. On XX/XX/2017 I checked my account and no monies were deposited by Cash central. I immediately called Cash central and spoke to XXXX separate representative first a man and then a lady and advised him since the money was not sent by cash Central then I request to Rescind my loan. ( Being within the right to rescission time frame ). I was advised they would send an email to their manager and have the loan cancelled. On XX/XX/2017 Cash central withdrew {$250.00} from my bank account causing it to overdraft. I again called Cash central spoke to a rep. and I let her know Cash Central never deposited or funded the loan and that by them pulling the money out of my account was an error. The rep advised that Cash central did send the money to the account and for me to check with my bank. I called my bank and the rep advised there is no record of any deposit from Cash central. I also check my bank statement online and there is no deposit from Cash Central of {$250.00}. I need assistance recouping the {$250.00} Cash central removed from my account and any fees incurred from my bank.
Product: Checking or savings account

I have a joint account with XXXX XXXX by XXXX which I share with my significant other. We have had this account since at least XXXX when I opened it using my phone wallet. It is used like a prepaid card account. Later I received checks for the account to use for our rent or later our mortgage payments. We do not use this account much any more because money transfered to account is held for at least XXXX business days before it can be used in any way. We try to make cash deposits at our local XXXX XXXX or XXXX XXXX to avoid the 5 day hold. I attempted to transfer from my linked checking accou t at XXXX XXXX  XXXX {$50.00} in XX/XX/XXXX. XXXX apparently rejected or returned that deposit several days later. On XX/XX/XXXX I deposited {$300.00} cash at local XXXX XXXX and {$200.00} cash XX/XX/XXXX. This was meant to pay bills and buy online XXXX Monday sales. After all my purchases were cancelled for non payment I called the number in the app. After about XXXX attempts to call I spoke to rep that told me it was an issue with my app. We were disconnected while they went to investigate exactly how to fix the issue. XXXX more phone calls and hours on hold plus multiple attempts at chat in app the calls started hanging up on me when the agent would answer after a long hold. I spoke to XXXX more agents that had me freeze and unfreeze my card, delete my XXXXXXXX XXXX app from all our devices, losing tons of transaction data and saved cards that weren't needing to be re entered and re activated. Eventually telling me to hang up so I could restart my phone. After XXXX more days of not being able to get to a live agent I reached XXXX that referred me to XXXX customer care. Again several attempts to reach them due to long. Wait times. Finally I speak to an agent who first tells me they are investigating possible fraud or unusual activity and she will email the XXXX to fast track it to get the restriction lifted. I should expect to hear from them in email or within XXXXXXXX XXXX app. Meanwhile XXXX personal checks bounced. So the entire account is frozen. Not just a debit card restriction as I'd been told. I call sofi again and get a somewhat rude agent who tells me my account is closed due to suspicious activity that she couldn't specify and a returned deposit. I won't be able to do anything further and my money will be held up to XXXX weeks to allow any pending transactions before my money will be sent by check. However that is obviously a lie because they haven't allowed any pending transactions to clear. Nothing has changed in the app and we can't get anyone on the phone. It disconnects without a word from an agent. We haven't received any mail or paper to confirm or deny what I was told on any of these calls or any email indicating any kind of problem or resolution.
Product: Credit reporting or other personal consumer reports

I was waiting for your response and never got there called to submit a dispute nothing was made not even the creditor help me in anything they say I am a victim of identity theft and that is it