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

This is my follow-up 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 accounts 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 XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX  XXXX Balance : {$200.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021, I sent the consumer reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Debt collection

I received a XXXX second phone call at XXXX XXXX. on Tuesday XX/XX/XXXX when asking The Collector to properly identify themselves and what kind of company he works for he disconnected the call in my face which is a fdcpa violation refusing to identify that you are a debt collector I called back there was a very rude representative by the name of XXXX XXXX he yelled at me told me I didn't know what I was talking about just very rude refused to answer any questions about who he works for ( other than " structured settlement '' ) or agency or the purpose of the call trying to prove that he had Authority or power over the phone call felt very abusive so I politely disconnected tried again to speak with someone else I spoke with the lady who I had to remind it was against FDCPA to properly identify if they are debt collector twice because she kept trying to just give me the name of the company to transfer me back over to the original person that I spoke with which is XXXX and he just continued to yell at me told me he's been a collector for over 20 years I don't know about any violations or laws that was broke which is when he finally identified me I was read the many XXXX by the first lady without even proper identification just the name which I could have easily been lying about so he read off the last XXXX of my social without even trying to ask me to verify it then read me the XXXX XXXX and told me I'm glad that you called back or else I would have took in the account to the next steps which is threatening me without even sending me a first statement the first statement that I got was through email at XXXX XXXX which is after all three phone calls so not only did they not confirm that they were debt collector when properly asked XXXX times they did not fully verify who I was before reading the XXXX XXXX they threatened to send me to the attorneys or legal action without sending me a first statement so he threatened legal action within the validation time frame and was just very rude and abusive during all three phone calls
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several address on there to be inaccurate. This address is not associated with me and appears to have been added in error. I am requesting an immediate investigation and correction of this inaccuracy under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], which gives me the right to dispute incomplete or inaccurate information on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Please delete the incorrect address from my file and notify me of the results of your investigation within 30 days, as required under the FCRA. I expect to receive a copy of my updated credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

About XXXX or XXXX weeks ago ( XX/XX/2023 ) I wrote to XXXX XXXX, Discover, and XXXX in regards to their being income reported on my consumer report. I am complaining about the inaccurate information on my credit report by XXXX XXXX, Discover, and XXXX. They have reported charge-offs as income, which is wrong and misleading. Charge-offs are canceled debts, not income. The law says that creditors must send me a Form 1099-C to report canceled debts as income, but I have not received any from these companies. I have also not claimed any income from canceled debts on my tax returns. I have sent them dispute letters with my identification and proof of identity theft, but they have not corrected the errors. I want them to stop reporting charge-offs as income and remove them from my credit report. I also want them to send me copies of the Form 1099-C if they have issued any. This is affecting my credit score and my ability to get loans and credit cards. Please help me resolve this issue as soon as possible. Thank you
Product: Debt collection

I received a notice of unpaid tolls and charges from XXXX. The fees are from XXXX XXXX - XXXX XXXX, XXXX. The date of notice is XXXX XXXX, XXXX from XXXX. I have toll tags with XXXX. I will now have to research this payment that I already made and or was double charged to me through my tolltags. This is the first I know of this charge. It had been over
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has an account listed on my on credit reports that dose not belong to me. i advised them that this account was not applied for by me. i never signed or used this card., I have mailed them XXXX different letters demand that this account be remove fro all XXXX of my credit reports. i requested copy of the the application and proof of debt. I sent debt validation. I have never had .OR APPLIED FOR THIS CARD. THEY HAVE NO COPIES OF CHARGES BECAUSE I NEVER APPLIED OR RECEIVED. 

I SPOKE XXXX XXXX XXXX # XXXX IN THE ESCALATION DEPARTMENT HE CONFIRM THAT NO CHARGES WERE MADE ON THE ACCOUNT
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. 

Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : 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 report agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer 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 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: Vehicle loan or lease

WE ARE THE LEGAL OWNER OF OUR XXXX AND THEY HAVE NOT SENT A NEW TITLE
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX 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: Debt collection

CAPITAL ONE Last reported XX/XX/2023 {$470.00} Reported balance Credit limit {$300.00} You're using 158 % of your account 's limit
Product: Debt collection

My relatives have received harassing phone calls, saying it will be arrested, served papers, charge with failure to appear, they have pretended to be officers of the court etc. I have called them back and reviewed their information to find out it is not me but someone who 's last known address is half way across the country. Then this morning They promised before to take me off their calling list after calling my lawyer. Two days ago I registered a new phone number and the calls continue, when I return the call they tell me they are suing me for XXXX/XXXX percent of what I owed ( keep in mind I owe them nothing ) and I even confirmed with them they had the wrong person by asking for that person social and provided my last XXXX to them. She is then abusive and hangs up so I call back and she insist that I confirmed that it was my debt and she 's serving me with papers. I have lived in XXXX for the last 4 years and this debt they are trying to collect is only a few years old during a period I could not have made it. They refuse to give me an address of the company, any details or talk with a supervisor but insist it is me even after I confirmed it was not. They called me at XXXX waking up me and my wife who are getting ready to have a baby and their threats are causing me unrest when I do n't even know this person their trying to collect on and contacted family members private cell phones that do n't even share my last name.
Product: Checking or savings account

XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX that lives at XXXX XXXX XXXX XXXX XXXX XXXX  is doing fraudulent activity and is scamming credit cards, scamming into many different bank accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more bank accounts it has to be investigated on behalf of my own accounts being scammed. 

money has been missing from my personal accounts and I want to report it immediately This issue have to be resolved before anymore accounts gets scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Prepaid card

I don't have a pay card but it's been linked to multiple bank accounts without my knowledge or consent and this is a big nightmare
Product: Credit reporting, credit repair services, or other personal consumer reports

I can say that I am being ignored. I've informed you that the below account must be taken out of my credit report. In the Fair Credit Reporting Act it stimulates that student loans are need based loans, lenders are not in need to view my credit score when extended for a credit. It's not meant to be on my credit record because it has nothing to do with credit.
Product: Credit card

On XXXX XXXX, I discovered I was paying twice for my XXXX XXXX ( {$72.00} ) and XXXX XXXX ( {$13.00} ) once with My authorized Visa card and once with American Express, which was not on the account. 

I talked w/ several AmEx reps, supervisors and the fraud division and told them the bad charges started in XX/XX/XXXX and I demanded a refund. They only offered 60 days, amended to 120 days for XXXX, XXXX, XXXX, XXXX, XXXX. 

No refund on 11 months from XX/XX/XXXX to XX/XX/XXXX ( {$920.00} ). 

I asked for XXXX XXXX  number, got two wrong ones and finally tweeted at XXXX XXXX, They sent me to a help site that didn't work. AmEx would not assist in the communication with XXXX about this unauthorized account charge.
Product: Debt collection

The company, RevNow, was contacted via email on XX/XX/year> at XXXX XXXX  to cease and desist all calls. They have since called my employer after requesting no contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a lien on my credit report that belongs to someone else. It is from    XXXX    County , for a debt from New Mexico Taxation and Revenue, from years ago, and from a "  XXXX   XXXX  '' with a different social security number. I only moved to the  US  last year, and have never dealt with, or even visited,  XXXX  or New Mexico
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having several problems with XXXX XXXX XXXX, they are currently reporting a fraudulent address attached to my name and social in which I have never lived. They have no authentication of this address being associated with me, but have merged my information with someone with a similar name and date of birth as mine. I was contacted by this individual to stop using her address as it was never done by me this was all done by XXXX XXXX XXXX and they have forwarded this information to the credit bureaus which is causing an issue on both sides.
Product: Credit reporting or other personal consumer reports

I have unwanted and unapproved inquiries on my credit report included but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX 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: Mortgage

XXXX  XXXX  was our leading company. We bought a home for XXXX and put XXXX down plus had seller pay XXXX of our closing cost. XXXX XXXX had us bring XXXX to closing table and our mortgage is XXXX, XXXX they gave us an approval letter with XXXX XXXX to close and also lied about us supposed buying down points which was a lie. The mortgage rates weren't even that high. We were stuck because we already put in offer and put XXXX down. We closed on the XXXX of the month which they said would make it cheaper another lie. Why is our mortgage XXXX from XXXX when we put almost XXXX down it should be XXXX. plus there friend did appraise on house and we received nothing but its worth XXXX? How the roof had a 2 foot by 2 foot hole, plumbing was wrapped in tape appliances we destroyed on inside and roof has leaking in 2 bedrooms and in kitchen sane for garage.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for and I was approved a {$9200.00} unsecured loan from One Main Financial. I was told by XXXX to provide my most recent paystub. I provided that, only to have the branch manager XXXX intervene and question the validity of my paystub. He then requested a W-2, might I add in a brash and rude way. I requested my application be transferred to their central processing center. 

One there, I worked with someone there who stated to submit another stub, which I did and that I had until the end of XXXX to do so. He stated that a W-2 may help. I explained that I W-2 myself as I own my company and another company owner used the EXACT same stub a week prior and it was accepted. I told him that due to my XXXX  name and race, I was being discriminated against. He assured me that the company has fair lending practices. 

Upon receiving my W-2s, I finally went to upload them. Only for the system to say declined without considering what they requested. I called on XX/XX/XXXX and was told my application timed out. I then submitted another application on XX/XX/XXXX to be denied all together and offered a secured loan using my vehicle. I was on hold a very long time and due to the circumstances my original application was reopened and the {$9200.00} was back on the table. I submitted my most recent documents and waited. Today XX/XX/XXXX I received a call stating that it was just " agreed '' no. I literally have no late payments on my report and now it's bruised with all these One Main Financial inquires. 

I was lied to, my original application did not get reopened nor did they even call my employer or anything. This is unfair and they still keep sending me offers. The Equal Credit Opportunity Act was violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  claims that the only way to get them a police report indicating fraud from my credit report is to use the USPS and mail it. I have already sent them a paper copy of the report, which was apparently lost in the mail with all of my credit information on it. They also claim that until the police report is received there is nothing else they are able to do. Am I going to have to take legal action to correct these? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoken with Equifax about two inquirys ive noticed on my credit Report they are not with open accounts. I sent in my formal 2 page request. 1 Page with DL & SS & 2nd to update the spelling of my name & to remove the two inquriys. But they keep saying the dont see the request, but it request is on i page there giving me the run around
Product: Debt collection

I lived there XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX  XXXX and moved back in 2015 due to a roach infestation. They refused to fix the problem and I moved out a month and a half early with my kids. I was paying {$600.00} to {$700.00} per month. When I moved out they sent me bill for {$3100.00}. I couldn't believe they came up with this number. They transferred the debt to Professional Debt Mediators XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX The interest and prices that they hit you with is wrong. I had a month and a half of rent to pay and I was willing to pay that but they charged me over {$3000.00}.
Product: Checking or savings account

My benefits were deposited to direct Express and they put my money on hold saying I got verify who I am, why I don't know this has costed me late fees my utilities shut off and numerous other problems.i sent everything they said over and over yet they still say do it again.i said I just sent it all again yesterday and social security did to they said yesterday isn't today do it again these people need to be put in jail and starved.they hsve no compassion for anyone and are trying to steal my money
Product: Mortgage

My mortgage company ( Ditech ) changed their computer accounting system which caused them to incorrectly report me as being 30 days late on my mortgage payment. They put this on my credit record. This happened back in XXXX of 2016. After several phone calls to them, they have not corrected the error. I found out about this when I went to apply for a loan. What can I do about this? They are very unresponsive, but they do admit to the error. Thank you.
Product: Mortgage

Hello, I am writing this complaint after trying several times to correct this with the current servicer. I had recently had my PMI dropped with an updated appraisal that came in above {$730000.00}. I requested from the servicer to have the escrows removed but they are refusing to do so citing that my LTV is at 84 % but that doesnt make sense as I would still have my PMI. Now they are stating that when my loan was transferred the first month when I was unable to make a payment online they are stating it was an in-house late payment. Which they arent reporting to the credit bureaus as we all know a consumer is allowed a 60 day grace period when loans are transferred. I have spoken and emailed them 18 times about this matter always getting the run around. I need help as I am absolutely not required to pay my escrows with my mortgage and am choosing not to do so. The current servicer is XXXX XXXX XXXX, my previous was XXXX. I have never been late on my mortgage with either of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I send in disputes letters to XXXX, XXXX, and Exquifax. It is XX/XX/2023 I still have not heard anything from the credit companies and it been over 30 days. I also send a 30 day demand letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really angry that they are appearing on my credit record, therefore I beg that you kindly erase this account since it is not mine. They truly let me down by making me go through this, and I feel terrible. I want the business to take this off my credit report as soon as they can. Unquestionably not mine!