23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have made several attempts to contact this company starting XXXX/XXXX/2017 then again on XXXX/XXXX/2017, XXXX/XXXX/2017 and on XXXX/XXXX/2017 because they are reporting negative information on my credit reports. I have asked them to provide me with proof that the account they claim is mine, which it is not and they have not provided me any viable evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on credit report. XXXX. XXXX XXXX {$0.00} XXXX. XXXX {$510.00} XXXX. XXXX XXXX XXXX {$810.00} XXXX. XXXX {$25000.00} Inquiries 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX XXXX  report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Number XXXX
Product: Credit reporting or other personal consumer reports

Re-aging occurs when a collection agency illegally changes the " date of first delinquency '' to extend how long a negative item stays on your credit report ( past the 7-year limit set by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ). 


-- - Suspicious Collection Accounts That May Have Been Re-Aged : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Reported Open Date : XX/XX/XXXX Issue : If the original delinquency occurred before XXXX, this debt should have been removed by now. 



2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Reported Open Date : XX/XX/XXXX Issue : The " open date '' is much later than when you likely defaulted, possibly extending the reporting timeline. 



3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account might have been delinquent before XXXX, but the reported date is XXXX, which is suspiciously recent. 



4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Reported Open Date : XX/XX/XXXX Issue : If this debt was charged off years ago, XXXX XXXX may have reset the date, keeping it on your report longer. 



5. The Bureaus 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 Issue : If the true first delinquency was before XXXX, this should no longer be on your report.
Product: Credit card

Received a notice from Bank of America that my credit application had been approved along with a BofA credit card. I have NEVER applied for any type of relationship with BofA.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/year> I have recently disputed this account it was updated but my request was to DELETE credit card ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT XXXX # : 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already mad an identity theft claim thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

I was in bankruptcy. The mortgage company was not applying the payments correctly from the trustee. We went to court and the judge ruled that they had to fix it. They have not. I am out of bankruptcy now, and the payments that I have been making they have been applying to the back due instead of the current amount that is owed so now it looks like I am defaulted and can no longer make payments. They have also added this to my credit report making it go significantly lower. I have receipts that I have paid on time as well as proof in their web portal that I have paid.
Product: Credit card or prepaid card

I contacted Commerce Bank via online message in late XXXX, XXXX, about an issue with a purchase on my Commerce Bank credit card. However, I have not received any response from Commerce Bank and I also can not find any way to directly initiate a dispute myself using their online portal. The transaction is from XX/XX/XXXX by XXXX for {$240.00}. I have returned this purchase but have been unable to get a refund from the merchant as of today, XX/XX/XXXX. The purchase was returned via XXXX, tracking number is XXXX. Please help me dispute this charge on my Commerce Bank credit card ending XXXX and issue a credit of {$240.00} on my account.
Product: Debt collection

By letter dated XX/XX/XXXX that is enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH ''  ) responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) as complaint number XXXX with false statements as it pertains to an already time-barred debt and mortgage identified with account number XXXX, by : falsely addressing the Estate of XXXX XXXX XXXX as the Customer ( s ) for the above referenced account number when no such estate is connected to my property, and my husbands name was not XXXX XXXX XXXX ; and falsely declaring that I defaulted on my mortgage loan as of XX/XX/XXXX and mentioning the active illegal foreclosure under Docket No. XXXX wherein XXXX and PHH are falsely declaring XX/XX/XXXX as the date of default, when at all relevant times : ( 1 ) the false date of default as of XX/XX/XXXX contradicts the XX/XX/XXXX date declared for the same transaction under Docket No. : XXXX and a true copy of foreclosure complaint filed therein on XX/XX/XXXX ( the same day of my husbands death ) is attached hereto as Exhibit B ; ( 2 ) the false date of default as of XX/XX/XXXX misrepresents and falsely implies that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) the false date of default as of XX/XX/XXXX unlawfully conceals approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX during an extreme time of grief upon my husbands death, with approximately $ XXXX being cashed by predecessors and affiliates of XXXX and PHH as displayed within the checks enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX XXXX '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act (  RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

In closing, the conduct set forth above constitutes false statements to the CFPB by XXXX and PHH in response to complaint number XXXX in violation of 18 U.S.C. 1001, mail fraud in violation of 18 U.S.C. 1341 and continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the XXXX XXXX XXXX for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
Product: Vehicle loan or lease

I am attempting to get the title of my vehicle that was paid off in XX/XX/2020. The FL  DMV shows there is still a lien on the title, however, there is no longer a lien on the title. I have spoken with hyundai motor 3 times to get this satisfied. They can not tell me why it has been almost 2 years without a title release. I am told to contact them again in 3-5 business days to find out the determination of the release request. They stated they tried to release the title in XX/XX/2020 but they did not. They could also not tell my why. None of the service reps are able to give me any other information regarding why the title can not be released, other than " we will submit the request '' and that my account is " all in order and satisfied ''. It has been almost two years since my final payment.
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns regarding inaccuracies in my credit report. Upon review, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are affecting my financial stability, and I urgently need your assistance in resolving them.
Product: Debt collection

I had a debt from my previous apartment because i didn't finish my contract. I was asked to pay over XXXX XXXX USD for 2 years. I setup my payment account as autopayment once every month so I wont miss it. Then the company transferred my account to a collector agency. I was able to communicate with the collector agency/company, able to set up my autopayment for 1 year for the remaining balance. After XXXX consecutive months of auto payments, suddenly my credit score dropped from XXXX to XXXX. I requested to run my credit report only to find out that the collector agency had provided information that my debt is past due. It can never be past due as the account is setup as autopayment on a monthly basis. So i I reached out to the agency and asked what happened. The manager said either I pay the balance in full which is XXXX so my credit score will go up again or I can always pay on a monthly basis but my credit score remains low. I was left with no choice but to pay my debt in full even using my credit card and will find ways on how the payoff my my credit card. I felt I was deceived as they never mentioned to me nor explained that my credit score would be affected even if i pay ontime. My husband and I are both affected with this, out credit scores dropped significantly.
Product: Money transfer, virtual currency, or money service

A scam company contacted me online and advised me to invest in them. I had very little experience in investing/trading so I did everything under their instructions. 
After I had not made a single XXXX I tried reaching out to them but they had cut all ties with me. I could not retrieve my funds after that. It all happened around XXXX XXXX 2022, I lost : XXXX XXXX which was around XXXX USD at that time.
Product: Student loan

I submitted my employer certification form for the Public Service Loan Forgiveness program in XXXX of XXXX. On XX/XX/XXXX I received a letter from FedLoan Servicing stating they received it. On XX/XX/XXXX I received a letter stating they needed more time to determine if the employer qualified. I followed up with them again and let them know that this was the same employer, the same job, and the same EIN number that I submitted previously ( XX/XX/XXXX ) and which was immediately approved at that time. They would not give me a clear answer as to why it was different this time. At first they said it was a different EIN number, but then I showed them that it was the same EIN number, and then they had no answer. They said it could take three months to approve. I have reached out multiple times and never get any new information. It has now been over 4 months and there is no answer. Again, this is the exact same employer ( a public school district ) and the exact same EIN, and the exact same job that they previously approved in a matter of days. There is no reason I should have to wait months and months for them to process my employer certification form.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to report that my credit file contains fraudulent information resulting from identity theft, specifically an unauthorized hard inquiry and account reported by XXXX XXXX  dated XX/XX/year> Pursuant to 15 U.S.C. 1681c-2, credit reporting agencies are required by law to block all information identified as resulting from identity theft within four business days after receiving a valid identity theft report. I have already submitted my FTC Identity Theft Report ( FTC Report Number : XXXX ), which clearly supports my claim Despite my efforts and the documentation provided, this fraudulent item remains on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have also contacted the Federal Trade Commission ( FTC ) and filed an identity theft complaint. The report, along with my supporting documentation, has been delivered via fax and Certified Mail to the corresponding credit reporting agencies The item in question is : Inquiries/ Accounts to Remove XXXX XXXX  XX/XX/year> This unauthorized item is damaging my credit profile and causing me financial and emotional harm. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that the credit reporting agency complies with its legal obligation to remove this fraudulent item immediately, as required by law Thank you for your time and support in resolving this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to access my free annual credit report with XXXX. It rejected my request saying I could not verify the account. I am concerned someone has stolen my identity and has put things on credit.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint regarding the auto loan I obtained through Santander Consumer USA. It has come to my attention that Santander Consumer USA Inc. has engaged in practices that violate consumer protection laws by exposing me to unnecessarily high levels of risk and knowingly placing me into an auto loan with a high probability of default. 

Specifically, I believe that Santander Consumer USA Inc : Engaged in Unfair Lending Practices : During the loan origination process, I was not provided with accurate and comprehensive information regarding the terms and conditions of the loan. The terms presented to me were excessively unfavorable and carried an unreasonably high interest rate, despite my qualifications for better rates. 

Failed to Assess My Ability to Repay : Your company approved my loan without properly assessing my financial situation and ability to repay the loan. This has resulted in severe financial strain and a high likelihood of default, which could have been avoided with a more thorough and responsible lending process. 

Placed Me in a Predatory Loan : The loan provided to me was structured in a manner that seems predatory, designed to maximize profit at my expense. This included inflated loan amounts and additional unnecessary fees that were not clearly disclosed or explained. 

Falsified My Finances : The dealership falsely added a downpayment to inflate my income, deflated my expenses by not including my actual Rent Expenses or other household expenses to the application, as well as added additional years to my time of employment in order make the loan more favorable to your underwriters. ( See Enclosures ) Sold Ancillary Services : The dealership also built 2 ancillary services into the loan itself, A GAP Insurance Contract and a Service Contract which they pushed for me to use to cover repairs required but not initially disclosed at the time of sale while the company had been previously barred from allowing dealers to act in such a way. See Enclosures ) These practices are not only unethical but also in violation of various consumer protection laws, including but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair, deceptive, or abusive acts and practices in the consumer financial market. Specifically, failing to properly test and assess my ability to repay puts your company in violation of terms set in a Settlement Agreement between a Multistate Committee of Attorney Generals and Santander Consumer Finance Inc.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite my diligent efforts to rectify this situation, these fraudulent entries persist, causing severe financial distress and adversely affecting my ability to secure loans and financial opportunities.

Below, I outline the specific details of the fraudulent items and the numerous attempts I have made to address them : I have attached copies of the following documents for your reference : I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items. I have provided all necessary documentation to support my claims, and I have made multiple attempts to rectify this situation. However, my previous efforts have been in vain, and these fraudulent entries continue to inflict significant financial harm and emotional distress upon me.

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items and takes immediate action to remove them from my credit report. Additionally, I urge you to implement measures to prevent the recurrence of such inaccuracies on my report in the future.

I am prepared to cooperate fully and provide any additional information or documentation required to resolve this matter expeditiously. I expect a written response from your agency within 30 days of receiving this letter, as mandated by the FCRA, confirming the removal of the fraudulent items from my credit report.

Failure to address this matter adequately within the specified timeframe will compel me to pursue legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$87.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$8800.00} XXXX  XXXX Balance : {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$140.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00} Account Name : MIDLAND CREDIT MANAGEM Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3100.00} Account Name : MIDLAND CREDIT MANAGEM Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Balance is still reporting incorrectly on all 3 credit Bureaus for the sum of {$3200.00}. The correct balance should be {$1400.00}.
Product: Debt collection

On XX/XX/2018, XXXX XXXX XXXX XXXX, placed an account for collection on my credit file impacting all three credit agencies. The original creditor is XXXX XXXX ( XXXX ) in the amount of {$2400.00}. I spoke to a representative at both XXXX XXXX and Helvey & Assoc. and explained that this was my father 's account who passed away. If there is any money owed, XXXX XXXX will have to file a claim against the estate and open probate. XXXX XXXX and Helvey & Associates are trying to subvert the correct legal process and try to collect against myself, who was the XXXX XXXX of the estate. If this is not removed, I will file suit against both XXXX and Helvey & Associates.