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

I have contacted XXXX, Experian and XXXX XXXX multiple times via certified mail requesting they remove inaccurate accounts.
Product: Debt collection

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : Fraudulent Accounts : Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$1800.00} Accoount Number : XXXX Account Name :XX/XX/XXXX When Account Was Open : XX/XX/XXXX Amount : {$570.00} Accoount Number : XXXX Account Name : XX/XX/XXXX When Account Was Open : XX/XX/XXXX Amount : {$3500.00} Accoount Number : XXXX Account Name : XX/XX/XXXXWhen Account Was Open : XX/XX/XXXX Amount : {$3700.00} Accoount Number : XXXX Account Name : XXXXXX/XX/XXXX When Account Was Open : XX/XX/XXXX Amount : {$1500.00} Accoount Number : XXXX Account Name : XXXX XXXX XXXX XXXX - When Account Was Open : XX/XX/XXXX Amount : {$3500.00} Accoount Number : XXXX
Product: Credit reporting or other personal consumer reports

The Credit Reporting Agencies are continuing to report an account that is personal and non-public. This account is with XXXX XXXX . I have an opt-out agreement with this creditor and have provided it to the CRA 's . The credit reporting agencies have not been compliant with the law in this matter.
Product: Checking or savings account

There were a lot of citizens bank account opened fradulent in my name. I have tried to fix this because this is reported to both XXXX XXXX XXXX as well as XXXX. I did not authorize for any accounts to be open with a online bank.
Product: Debt collection

Today, XX/XX/22. Multiple other days I unfortunately erased from my answering machine. Daily calls
Product: Consumer Loan

I took a loan out in for approx. {$7000.00} in 1997 from XXXX which was later sold to Springleaf and now to One Main. My agreement made with Springleaf ( One Main ) was I pay a settlement on the loan for {$4500.00}. I have been paying on this faithfully, and will have paid {$4200.00} on XXXX XXXX. ( Regular scheduled payment ) With the balance {$340.00} owed by the end of XXXX - per our agreement. I received a letter from One Main saying that I owe {$6900.00}. They have also been charging me late fees when late fees are NOT MENTIONED in our written agreement. I have paid twice the amount of this loan since the beginning and now three times. I have attached a copy of our agreement and a copy of my payments made. Which confirms the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have grossly inaccurate information removed from my credit report.

1. Equifax has not responded to two disputes that I submitted in XXXX of 2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay.

2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation.

3. Equifax is harming me and causing me undue hardship.

4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus.

5. XXXX and XXXX have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information.

6. All three bureaus are reporting inaccurate personal information and wrong addresses.

7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XXXX XXXX XXXX *XXXX XXXX  *XXXX XXXX XXXX  Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation.

*Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file.

Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$30000.00}
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  account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy 15 U.S.C 1681 SECTION 604 A. It also states a consumer reporting agency can not furnish a account without any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section Sates. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other then records of conviction of crimes which antedates the report by more then 7 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: Debt collection

I have sent three correspondences asking for proof of claim. The entity known as Southwest Recovy has ignored my request and has continued to report and damage my credit worthiness.
Product: Student loan

Navient sent over the school misconduct application because the complaint sent said I meet the criteria to receive an application. After submitting information and evidence I am now being informed of my denial without facts or reasoning. Navient did not provide the specific criteria why I now don't receive a discharge or refund for school misconduct when I meet the criteria to receive an application. Please see below from Navient ; We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am a victim of fraud and my account was used without my knowledge by ( cashapp ) who bank is XXXX XXXX  to withdrawal and purchase items online from my account i reported this and was told no one would be able to help me with this matter and was hung up on. If this matter is not resolved then i would be forced to take legal action against company. 

Cashapp XXXX XXXX
Product: Mortgage

I've had a mortgage with south state bank since 2009. I have never been late or missed a payment. I wanted to refinance the loan to get a fixed rate because my initial loan was an adjustable rate 1 % over prime with a floor of 6 %. I have paid 6-6.5 % interest for the entire loan. They were unable to refinance because it is a mobile home older than 10 years and they wouldn't give me a fixed rate on it. I found a different lender that would give me the fixed rate loan but south state bank would not release the title to the mobile home without it being paid off. We had the amount needed to pay the loan off in our savings account and wanted them to put a hold on our money and release the title but they would not do that. I decided to pay the loan off with my money to get the title. Now they are telling me it will be 30-45 days before they will release the title to me. They couldn't explain to me why a car title is released to the consumer in 14 days but my mobile home title will take 30-45. This will cause me to miss my closing date for my new loan and will most likely result in me having a higher interest rate and cost me thousands of dollars!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Inquiries on my credit reports. 
Ive sent certified mail disputing inquiries to each credit bureau : Equifax XXXX XXXX Equifax XX/XX/2020 No reply in regards to the investigation requested. 
Tracking number are available
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I sent all documents to Affirm.com billing and customer service showing that i have not received an item a, and the item was cancelled. I have filed a complaint about the company XXXX XXXX XXXX  not wanting to return the funds to Affirm. XXXX  XXXX XXXX actually said that if I remove the complaint with the XXXX  they will refund me or they are getting an attorney and their attorney is sending me a letter they are suing me for filing a complaint,. Now after all this I have forward all email, documents and everything showing i never received the item. And XXXX  XXXX XXXX even Stated that I had not received the item and I sent the email showing the shipping company cancelled it. Affirm is still continuing to withdrawn funds and will not cancel the transaction or put it on hold. I am looking for some assistance with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below DOES NOT BELONG TO ME! I have asked the credit bureaus on several occasions to provide copies of the information they have on record, and they have failed to do so. These account is : 1 ) XXXX XXXX  XXXX Balance {$5600.00} This account was opened by an unknown party and I have the right, according to the Federal Government to see the data they are using to report this false information. My next step is to file a lawsuit in local court.
Product: Debt collection

I am a federally protected consumer and Armed Forces Loans has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.
Product: Credit card

APPLIED FOR A CREDIT CARD AT COSTCO NEVER USED THE CARD AND THEY JUST CLOSED THE ACCOUNT FOR NO REASON I CALLED TO FIND OUT WHY DID THEY CLOSE MY CARD THAT I NEVER USED THE YOUNG LADY SAID IT DOESN'T SHOW WHY MY CARD WAS CLOSED.
Product: Vehicle loan or lease

I opened an auto loan with this company in XXXX of XXXX. In XXXX, I filed for bankruptcy and they had my car repossessed anyway. They did it again in XX/XX/XXXX after I filed. In XX/XX/XXXX, I was in a car accident. I was still under bankruptcy. My car was gone after two weeks. I received no notice from the finance company. When I checked my credit report, they closed my account with a balance of XXXX. No notice. I checked again after a couple of days and it stated it was sold to XXXX XXXX. I had no knowledge of the debt being sold. No one gave me a notice, email, letter, text, or call. Now its showing as a collections account. I called the finance company and no one could tell me anything. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SANTANDER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, and SANTANDER with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account on my XXXX credit report was supposed to be deleted a long time ago, I have told XXXX many times that the company that owns that account as of this moment has agreed to delete the account and I have given them prove of it thru the CFPB, the conversation that I had with the company that owns the account has also been provided to experian and it seems like they ignore it. I dont like it when a company thinks that they can do whatever they want with a consumers credit report and not care one bit, I have disputed this account with them like 3 different times and they wont delete it, they just keep updating the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX NA, XX/XX/2022, XXXX XXXX XXXX XXXX NA, XX/XX/2022,
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a consumer financial bureau complaint against the credit bureau Experian & XXXX for their refusal to report the debt as paid in full accurately on my credit file and I would like to report this as a breach of contract. 

I have receits of payment with memo stating that if check is cashed debt is settled..note all check receits have been cashed from my bank to three different creditors XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

Account Name and Number : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 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 XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX has violated my rights. 


1

5 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Swiss collebey is way to much for me to afford on my own or the credit cards I didn't know who affenct my crideit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I lost my credit card and requested a new one and wasnt aware my gym XXXX wasnt receiving any monthly payments. Im currently 5 months XXXX  therefore I havent been going to gym, and it wasnt until a couple days ago when I went to cancel my membership that i found out i was past due on payments. I never received any phone call from the gym notifying me about this. I decided to go to my old address to check if I had received anything I came across a letter saying this bill was going into collection. Ive never missed any payment, I always have my payments on autopay and if I would of been notified about this I would of made a payment.
Product: Mortgage

As stated by the online portal when I had access, my payments fell behind in XXXX of 2020. Since making an initial complaint about Amerihome Mortgage, I have been unable to access this online portal. When the company took over XXXX XXXX, everything pretty much fell apart. I was in a forbearance plan and could not get in contact with anyone from Amerihome Mortgage regarding a loan modification for months. I made a XXXX  complaint and finally someone reached out and filtered all of my paperwork to the department that claimed the documents had not been received prior. A few more months pass and Amerihome Mortgage denies my application without a valid reason, other than I did not meet the requirements and I did not qualify for any of the COVID hardship related programs. I told XXXX of their representatives via a supposedly recorded phonecall that there were no valid reasons. He stated that he could only see that I did not meet the income requirements. When I completed my paperwork, I had more than XXXX of my income leftover for mortgage payments. Somehow this company found a loophole to deny me a loan modification based on my income. I informed the representative that I made the same income used to obtain the loan several years ago, so it's ironic that I don't meet the income requirements. The representative stated he would resend paperwork for a loan modification so I could complete them again. I have yet to receive those documents. I also informed him that I submitted an application for assistance and was working with an agency designated for COVID related mortgage assistance. He stated to call back when approved and everything else was fine. Less than a week later, Amerihome Mortgage has proceeded with foreclosure. I have yet to receive the promised loan modification paperwork. This company is a complete scam and the people responsible for modification approvals are truly deceitful. I do not want anyone else making a mistake and choosing this loan mortgage company.
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO THIS COMPANY ADVISING THEM THIS IS NOT MY ACCOUNT SOMEONE IS USING MY IDENTITY AND TO REMOVE FROM MY ACCOUNT. THE COMPANY HAS YET TO SENT ME ORIGINAL CONTRACTS WITH MY SIGNATURE ON IT AND OTHER SUPPORTING DOCUMENTS THIS IS HURTING MY CREDIT.
Product: Credit reporting or other personal consumer reports

I opened a XXXX Believe credit card ( a secured credit card ) with my bank, XXXX. XXXX advertises this card as a way to build credit since it is a secured card. With my XX/XX/2023 XXXX XXXX update, I saw my score dropped by XXXX pts ( depends on which provider gives me this info but it is also through my TransUnion report ). The reason given for the drop is that I exceeded 100 % of the credit utilization, which is not possible. My TransUnion report lists the balance on the card as {$20.00}, again there are no " balances '' since it is secured I immediately filed a dispute with TransUnion but XXXX said there was no error and refused to adjust my score. I have filed a new dispute. 

I have also contacted XXXX, my bank, to ask why incorrect information is being reported to credit agencies. They got back to me saying they correctly reported everything and to speak with XXXX. 

I do not care whose fault it is. I just want the score fixed. There is no reason that a secured card should cause a XXXX XXXX to drop by XXXX points.
Product: Credit reporting

Someone stole my personal information and identity and opened an unauthorized and fraudulent account with XXXX XXXX XXXX. The account or debt do not belong to me. I am a victim of identity theft. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. I have been receiving harassing and threatening telephone calls and XXXX threats from XXXX XXXX XXXX representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit report with Equifax for XXXX XXXX on XX/XX/2018. I have no requested any product or service from XXXX to result in a hard inquiry. Unknown how my information was obtained by the company. Have requested it be removed from my credit report on several occasions, including with Equifax and the item in question still remains. I have never done business with XXXX nor do I have any intentions of doing so.