23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Got and personal loan of {$600.00}. I paid them the first payment when due of {$30.00}. They took out another payment that next week without my knowledge and wouldn't refund me my money and cause insufficient funds when we had an an agreement that I would call and pay over the phone. Instead of sending me any Bill 's, I get a call from a someone saying they are trying to send me a court Subpoena without ever giving me an bill or notice of triple of the amount owed to them. I'm unemployed and just had a major surgery done  and now have to deal with threats of them trying to call and tell me they will take my used torn vehicle and say I now owe {$3000.00} vs {$600.00}. Cash Net usa is not the the place to get a help for a loan. They have hidden fees, they wont send any Bill 's of what's owed and hit you with collections triple your amount
Product: Mortgage

I applied for a mortgage in XX/XX/XXXX with Ameris Bank. Ameris Bank and these other companies, XXXX, XXXX XXXX and XXXX XXXX repeatedly ran my credit report without my permission. I believe XXXX XXXX is associated with Ameris Bank. Now I have no less than 7 inquiries from these companies on my credit report. Ameris told me 3 times that I have the loan, but in the end in XX/XX/XXXX, denied me the loan. I do not understand why they ran my credit so many times. I believe these repeated inquiries are fraudulent and should be removed as they are now preventing me access to credit. I did not give my permission.
Product: Debt collection

Letter received from National Credit Adjusters : XX/XX/year> Consumer : XXXX R XXXX Original Creditor : XXXX Current Creditor : National Credit Adjusters , LLC Account # : XXXX XXXX Acct # : XXXX Balance {$1600.00} This account DOESNT belong to me NCA failed to present documents to prove debt was taking out by me with my wet signature
Product: Debt collection

In XX/XX/2021 I received a letter from Continental Collection Agency for a {$5500.00} debt for a former apartment I had stayed at. I contacted the agency and was trying to explain to one of the collectors that I was not responsible for this debt and I no longer lived in the apartment when this debt had been sent to them. The man became irate with me and yell at me that I was responsible and they had proof. I asked for proof and it was a piece of paper with my name and my ex with a break down of what was owed and the dates it was accumulated. Once again I repeated I did not live there during this time, I have proof and they still have kept it on my record. I even asked for the signed documents they had and the did not send it. To add my ex was evicted from this apartment before the dates the landlord had stated. I have pulled my mail, witnesses, court documents, and my former lease that proved I did not live there and he was evicted.

For documents I have attached the letter they sent us stating the dates that the debt was accumulated. I have added documents with dates that prove I no longer lived at this address. I can also add court papers about this situation but my name is not on these forms.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX, I saw some late payments on XX/XX/XXXX and XX/XX/XXXX there were suppose to be on time. Me and the creditor talked about " I wouldn't marked late because I had things going on because of the pandemic. I sent a letter to XXXX, XXXX, and Experian to get this fix but they still said everything is reporting correctly. But it's not being reported correctly, and is a violation of FCRA 15 U.S. Code 1681 ( a ) ( 1 ). Can you help with this important matter. Thank you in advance!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my address and name remove all other names & addresses I attached my paystub with the correct spelling of my name along with my address please update my personal information immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the hard inquiries ( & dates ) that are not made by me : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX Also, I have never opened any account with XXXX, XXXX, and XXXX XXXX XXXX My credit report shows accounts with these banks that needs to be removed. Please see attached list of accounts that are not mine and showing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The attached accounts were previously disputed. An FTC report was provided and proper documentation. I was told several times that items were received new " projection dates '' from month to month. Items were taking longer than 30 days to get any type of responses. Accurate documentation was never provided to me to show that I am legally responsible for these accounts.
Product: Debt collection

Someone close to me on XXXX XX/XX/year> scammed my navy federal bank account through a one time transaction, money was transfered to my account through a different navy federal account, saying it was money he saved up and he needed help transferring it to cash, saying he would give me money for it he just needed my routing numbers and gmail, money got sent into my account and i helped him few hours later my navy federal is down and its saying i owe all this money, all that money i owed i never even touched i have screen shots and names i can pay half or make payments i dont want to get sued, also wanted to make a police report i talked to navy federal over the phone they werent much help
Product: Mortgage

One of the worst bank I have been dealing with, XXXX bank. 
I been trying to make a mortgage payment due to force insurance placed on my account without any notification, the amount went up, the mortgage department told me not to make a payment till they adjust it, its been over 2 months, I call them every single week the amount has not been adjusted and they started to charge me a late fee plus today they told me they have reported me to credit bureau which I was told will not happen since I am willing to pay. I need help, this will lower my credit score.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX - XXXX {$180.00} 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 card or prepaid card

The following account was report to the police department credit card open without my permission no signature was filled out by me. 


Account Info Hover over labels for more details Balance {$680.00} Credit {$500.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Account XXXX Close credit {$300.00} Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

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

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

Per agreement with XXXX  on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX last week and XXXX   today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax for Failure to Investigate and Comply with Federal Laws Regarding Charged-Off Debt and 1099-C Reporting Dear CFPB, I am writing to formally file a complaint against Equifax for their failure to investigate and comply with federal laws regarding charged-off debt and the reporting of Form 1099-C, as required by the Internal Revenue Service ( IRS ). Equifaxs actions, or lack thereof, are causing significant harm to my credit profile and are in violation of established laws and regulations.

1. Failure to Comply with IRS Regulations on Charged-Off Debt and 1099-C Reporting According to the IRS, when a creditor discharges a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, as this discharged debt is considered taxable income. The IRS explicitly states : If a debt is canceled, forgiven, or discharged for less than the full amount owed, the amount of the canceled debt is generally taxable income to you.

( Source : IRS Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments, available at www.irs.gov ) Once a debt is charged off and a 1099-C is issued, the debt is considered income and should no longer be reported as a collectible debt. However, Equifax continues to report these charged-off accounts on my credit report, which is inaccurate and misleading.

2. Equifaxs Policy on Income Reporting Equifaxs own policies state that income is not reported on credit reports. If a charged-off debt is considered income under IRS regulations , it should not be reported as a debt on my credit report. By continuing to report these charged-off accounts, Equifax is violating their own policies and misrepresenting my financial standing.

3. Demand for Removal of Charged-Off Accounts I demand that Equifax immediately remove all charged-off accounts from my credit report, as these debts have been discharged and are now considered income under IRS regulations. Their continued reporting of these accounts is inaccurate, misleading, and in violation of federal law.

4. Legal Action if Compliance is Not Met If Equifax fails to investigate and remove these charged-off accounts from my credit report, I will have no choice but to pursue legal action against them for their failure to comply with federal laws and their continued harm to my credit profile.

I request that the CFPB investigate this matter and ensure that Equifax complies with all applicable laws and regulations. Please provide me with updates on the status of this complaint and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      2 )   XXXX   3 )    XXXX   XXXX   XXXX    4 )   XXXX   XXXX   XXXX   XXXX   XXXX  )   XXXX   XXXX    XXXX  )  XXXX   XXXX  )   XXXX   XXXX    8 )   XXXX   9 )   XXXX   XXXX   XXXX
Product: Mortgage

My mortgage company ( PHH mortgage ) has sent me an escrow re-calculation letter that shows an increased monthly payment that exceeds the XX/XX/12 th maximum amount they are allowed to collect for yearly totals on property taxes and hazard insurance. This amount is being called escrow shortage, and I can't get a straight answer of what exactly this is. I have never been late on any payments, and have lived here for 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Checking or savings account

I opened a " Free for Life ''. checking account with the XXXX XXXX XXXX XXXX in the mid-XX/XX/XXXX's. The account was acquired by several different banks, ending up with the Bank Of America. The account has been with them for many years, since XX/XX/XXXX.
Every 3-5 years BofA has started to charge fees on my account and I call and, after BofA researches my account, the fees have been reversed. I have been told that notes have been included in my account so the problem will not happen again.
Last month BofA again stared charging fees on my account. When I called I was informed that they had " converted '' my account and that they have no products that are " Free for Life ''.
Product: Credit card or prepaid card

On XX/XX/XXXX, an inquiry letter was sent to American Express regarding a closure of a credit card account. ( See Attached Letter dated XX/XX/XXXX ). American Express did not reply to my inquiry letter. The letter stated that the account was cancelled without sufficient notice and that its closure was inconsistent with the expiration date on the card, which was expected to be valid thru XXXX, XXXX. Since XXXX when the account was opened, the account had accrued travel rewards points of over a period of XXXX  years. American Express closure of the account without sufficient notice is problematic as it did not provide for sufficient time to redeem the rewards point that accrued since XXXX or an alternative way by which to redeem the points such as a transfer of the points to a new credit card account. Given the long duration of the existence of the account, approximately a total of XXXX points had accrued on the account that were not redeemed nor did American Express provide for an alternative way to redeem the points before the accounts closure.
Product: Debt collection

I filed an initial complaint to receive debt verification including an original creditor agreement as well as proof of a breached contract from PRA on XX/XX/XXXX. On XX/XX/XXXX I received an addition letter from PRA that included an alleged corespondance from XXXX that I have never seen, nor did it match any address I have been associated with. PRA failed to provide the requested contract mentioned above, nor any proof of a breached contract. A second request for an original creditor agreement as well as legal proof of a breached contract was sent to PRA on XX/XX/XXXX. Despite these attempts, Portfolio Recovery Associates , LLC failed to provide legal verification of any alleged debt. Since the requested information was never received despite PRA having ample time to provide such information, I presume that no proof of the alleged debt exists, nor therefore any such debt, in fact therefore exists.
Product: Student loan

Hello, I am writing as my loans have been discharged as part of the XXXX XXXX XXXX XXXX XXXX effective XX/XX/year>. Since then I have made XXXX additional payments of {$1400.00} each, a total of {$4300.00} in excess. I am asking for a refund of overpayment and was deferred to Mohela who keep deferring me to federal student aid. Mohela currently states they can not locate the payments.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I notice items on my XXXX credit report without my knowledge or consent which consist of identity theft which violate my rights pursuant to Fair Credit Reporting Act ( 15 USC 1681c-2 ) and Fair Debt Collection Practices Act I filed complaint with an affidavit to the Federal Trading XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a utility and apartment account XXXX XXXX  on XX/XX/year> under account XXXX XXXX XXXX on XX/XX/year>XXXX  under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # 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 or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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