23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I borrowed around XXXX k in student loans total along with the XXXX XXXX  and scholarships paying the rest for my XXXX XXXX. Now I owe XXXX to just one of the companies and another XXXX and another XXXX $ and another XXXX etc they split up consolidated student loans and raised the interest to 85 % while claiming XXXX but its not. Yes I can math after all of this. So now on my credit report even though XXXX loans are delinquent, Im stated as to having revolving credit which shows I have negative XXXX grand bc I owe XXXX grand in student loans that I never took out???????? So therefore I cant get a car, a personal loan, a credit card, a job where you need good credit at a bank or finance company. Im livid and I pray you can help bc at this rate how would I ever send my XXXX XXXX XXXX to school. My XXXX  is on XXXX XXXX. Im not a freaking XXXX XXXX and owe more for what exactly? They keep selling their educational loan companies. Also its always the same answer on every single credit report, which goes back to the one little recovering debt thats turned into like a bazillion loans. This isnt ethical or fair and its downright illegal whats happened
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$75000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from XXXX XXXX XXXX. That account is paid in full and suppose to be closed. 

In accordance with the fair credit reporting act XXXX Account # 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

In accordance to 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. 

XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

We paid an outstanding credit card debt of my husband 's through a garnishment which was paid in full on XX/XX/XXXX. We received a notice on XX/XX/XXXX that the attorney failed to collect all of their fees during the garnishment, that stated an additional {$270.00} was due. 

I went online XX/XX/XXXX when I received the notice and paid the additional funds on the attorney 's website. On XX/XX/XXXX we received a letter from the attorney stating the account was paid in full. ( XXXX attached ). 

Then yesterday, my husband found out that his weekly paycheck was garnished for {$170.00} and is intending to take the remaining of {$100.00} from his next paycheck. We immediately attempted to contact the law firm. When you choose the selection for " consumer '', it keeps you on hold, then tells you to leave a message. I called multiple times, never being able to reach someone. I attempted to send a message through their website portal. It will not go through - continues to show as an error in sending. I finally called and pressed the button for " attorney/court '' and someone answered immediately. When I attempted to explain the problem, they transferred me back to the consumer voice mail. 

They have fraudulently taken money from my bank account that has already been paid to them, and will do so again next week. I can not get anyone to talk to in order to stop it and get a refund of the money they fraudulently took from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Demanding Equifax to complain with the FCRA laws and to immediately remove unauthorized on my credit report that are affecting me. I have sent numerous of documents to have this issues address but they have failed to address my concerns or complain. 
I spoke to XXXX XXXX at XXXX XXXX  EST today addressing this issue as this is my last attempt. Below I have listed the inquires and dates. 

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

I sent LexisNexis a dispute notification on XX/XX/XXXX and it was delivered on XX/XX/XXXX via USPS with tracking number XXXX. 

LexisNexis however didn't initiate the dispute until almost a week later and still has no answer and continues to report inaccurate information on my CLUE report.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent information be deleted from my Transunion Credit Report immediately. Please remove the following XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX. Thank you, XXXX.
Product: Debt collection

My brother passed away and he was billed for medical services that I am disputing. He was hospitalized and I believe Medicare should have paid the bill. I have submitted an appeal to Medicare so this can be re-evaluated for a possible coding error. 

I have been contacted numerous times from DCM Services. I have repeatedly told them I do not legally have access to his assets, and will not be able to file a Small Claims Affidavit until the end of XXXX, in accordance with Arizona law. I sent them a letter explaining this, along with copies of the letters I sent to Medicare and the treating doctor 's billing company. 

I also told her not to call me unless DCM Services became aware of a change in the status of this debt. I continue to receive calls from them, even though they do not have any updates or new information to inform me of. I speak with the same customer service contact- XXXX. She repeatedly says my name incorrectly and also does the same with my deceased brother 's name, in spite of my correcting her numerous times. I'm tired of being called after I have explained I will make sure they get paid if I learn it is a legitimate bill. However, I won't know if I will get legal approval until it goes through the courts.
Product: Mortgage

Continuing problems with false reporting with  XXXX  mortgage company. We 've reported this company in the past and when investigated it was found we had made every single payment EARLY and they had made an error on their end in   XXXX   XXXX   XXXX   They updated the account after we proved we made all of our payments  ( cashed checks do n't lie ) for the end of the investigation but then turned around less than 3 months later and started charging us a bunch of late fees and are now reporting us as " delinquent '' on our credit reports. We have read hundreds of complaints regarding this company and do NOT understand why they have not been shut down at this point, as it appears they do this to everyone. Our credit is now ruined by them yet again and we are not in a position to refinance our mortgage with our lowered credit scores from their false reporting. We have every single bank statement clearly showing we 've paid early on every single pa yment but they still claim we 're behind on payments. This needs high intervention and a class action lawsuit should be filed for the lives this company ruins.
Product: Debt collection

I received debt collection documents in early XXXX stating that I owed XXXX for a loan that was not mine. I responded to that debt and on XX/XX/2022 they sent me another letter with the same information with someone with the same name stating I owed them XXXX for debt. 

In late XXXX, I received a notice from XXXX XXXX XXXX stating I needed to respond to a lawsuit that has been filed against me for this debt that is not mine. 

I responded on XX/XX/XXXX to XXXX XXXX court with my personal information that would prove that this debt is not mine, last XXXX of social and date of birth. 

On XX/XX/XXXX, XXXX XXXX court sent me a trial date to attend for this frivolous debt. I never lived in XXXX and am a XXXX resident. The court date is set for XX/XX/XXXX I've XXXX hours away. 

I called Mariner Fiance on XX/XX/XXXX to let them know they have the wrong person and provided them with the last XXXX of my social and they still stated they are taking me to court after verifying the debt is not mine. They also admitted that this was a mix up but since their lawyers are now handling it there is nothing they can do which is not true. They can call then and tell them to drop the suit. This just sounds like they are hoping to don't show up so they can just collect on me. The lady who first answered just told me not to respond since they don't have my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed [ insert number of inquiries ] that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX and XX/XX/XXXX 2. XXXX and XX/XX/XXXX 3. XXXX and XX/XX/XXXX 4. XXXX XXXX and XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

We have attempted to refinance our home mortgage for 4 years. Disputes with Ocwen have led to major credit rating misrepresentations. We have not been successful in refinancing. 
Ocwen offers a loan modification program. As our only alternative, ( WE ARE TRAPPED ), we applied for a modification and it was approved. The modification reduced our monthly payments by approximately {$2500.00} to {$1600.00} per month. The agreement was signed on XX/XX/XXXX and a payment due of {$1600.00} by XX/XX/XXXX. 
The payment was sent by certified check on XX/XX/XXXX. We received XXXX 's & XXXX 's statements for {$1600.00} ( El ) ( E2 ). Using bank auto-pay, checks for the proper amount were direct wired to Ocwen for both months. 
By XX/XX/XXXX, Ocwen 's statement was in-correct and indicated we were behind in payment. Their statement is not correct. We have been current on every payment. In-accurate accounting and extreme lag time built into Ocwens communication systems has created 4 similar disputes over the last 10 years. This is the most current dispute. I am documenting the other 3 disputes for publication within 60 days.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute and Request for Removal Under FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent items from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). The following accounts and inquiries were fraudulently added to my credit report without my authorization and must be removed immediately in compliance with federal law. The presence of this inaccurate information on my credit report has caused significant harm, including defamation of character and financial loss, as well as severe emotional distress. This situation has negatively impacted my mental health and resulted in lost opportunities. I demand immediate correction of this error to reflect accurate reporting. 

The fraudulent accounts/inquiries include : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. Identity Theft XXXX  Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 7. Identity Theft XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 8. Identity Theft XXXX XXXX XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 As required by law, the credit bureau must remove these items from my report within four business days of the submission of my complaint to the Consumer Financial Protection Bureau XXXX CFPB ). This statute mandates the immediate blocking and deletion of any fraudulent information reported by an identity theft victim. 

I have enclosed the following documentation in support of my dispute : A copy of my FTC Identity Theft Report A copy of my government-issued identification Any additional supporting documentation Failure to comply with this request within the mandated timeframe will leave me no choice but to pursue further legal action and escalate this matter to the appropriate regulatory authorities. 

Please confirm in writing that the fraudulent items have been removed and provide me with an updated copy of my credit report reflecting these changes. 

I appreciate your immediate attention to this matter. Should you require any further information, please contact me at the details provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal Information Is inaccurate
Product: Credit card or prepaid card

1. In XX/XX/2018, I applied for a Citi Double Cash Mastercard online. 
2. I received an email from CitiCorp told me I was approved and I would be receiving my card in the mail. 
3. After I received the card, I was given instructions on how to activate it. 
4. Citi failed to activate the card online or by phone calls to an tollfree customer service number. I tried this several days in a row. I was told each time that they needed additional info, but they could not divulge what that info was. I was to receive a letter telling me what they needed. Bear in mind that email told me I was approved, and I wa sent the card, but they refused to activate it. That is misrepresentation and consumer fraud. 
5. When I received that letter, it asked for me to submit a Social Security number verification form ( SSA-89 ). I was alarmed they asked for this, as I have never in my 59 years of life asked to prove my identity or SS # with such a form. Naturally and immediately I wondered if another person was using my SS #, so I ordered my free annual credit reports to view whether there was any indication of fraudulent access. 
6. After receiving these reports, I saw that there was no indication of fraud or access, and my credit history and rating was perfect. That's right, perfect. Not one late payment or unrecognized credit line, card, etc. 
7. XX/XX/2018. I called Citi customer service expressing my outrage that they've put me through this scrutiny, that I viewed my credit reports and there was no questionable info or indication of fraud, and so I resented them refusing to activate my credit card and asking for proof of my SS #. The rep then said there was an alternate method they could use to activate my card. She would text a code to my cellphone, and I would confirm that code once I received it. So we went through that protocol, and my card was activated. Because the alternate method of activization and verification of my identity was used, I was told that the SSA-89 was no longer needed. As in all communications, Citi has records of customer service calls and emails. This is precisely what I was told. 
8. I immediately started using my card and paid off -- in full -- the balance before the first bill was due to reemphasize my credit-worthiness. 
9. Later, my wife was added to the account and received a card and activated immediately with no request for additional info or an SSA-89. We continued to use the cards. 
10. On some date between XX/XX/XXXX and XX/XX/2018,  our account was closed arbitrarily by Citi without us receiving a prior alert or warning by phone, mail or email. I found out on XX/XX/XXXX by having the card rejected at a retail register checkout, causing embarrassment and anger. Furthermore, Citi closing our account may have damaged our credit rating!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX Have violated my rights Due to the fact that they have misreported multiple things on this account ( XXXX ) which include the wrong account number, and the date opened.Account was previously disputed and nothing was done according to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX XXXX and XXXX Have violated my rights due to the fact it has been already 30 days
Product: Debt collection

It looks like my old management company sold them a debt they weren't owed. I won an eviction because of the conditions I was living under. They got possession with no back rent. The eviction was also sealed. The contacted me months ago to provide the court documents, which I did. I still have the email from XXXX. The then sent me a paper XXXX  days ago saying they could get ahold of my lawyer. Which they shouldn't be contacting anyways. Then they actually put the debt on my credit report.
Product: Mortgage

I was mislead about different fact about my loan. I was very clear that I wanted the loan to reside with a local person in XXXX. Was also clear that I did not want my loan sold to XXXX XXXX. 
PrimeLending was not local to XXXX, they are a national loan organization. And they said theyd service my loan. The term service must mean different things to different people because to me that means they will hold the note and not sell it. 
They ended up selling my loan to XXXX XXXX. I will not have a mortgage owned by a criminal organization. So now I have no recourse but to sell the house I just bought.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Experian and XXXX should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

I have a vehicle that was written off on my credit report in XX/XX/XXXX after it became delinquent in XX/XX/XXXX. It was financed/purchased XX/XX/XXXX.I called on XXXX/XXXX/XXXX to ask for an application to file lost title on the vehicle, as I have done on numerous occasions, since the finance company has indicated numerous times that they do not have a title for the car. Instead of sending me the application agreed upon they immediately went back and added the charge off again to my credit report as of XXXX/XXXX/XXXX. I just realized then that they have been re reporting the charge off every year. at least since XX/XX/XXXX that I can see on reports that I have. This charge off should be falling off my credit report next year, and they have resubmitted it, so that it will show for another 7 yrs. I want this charge off date to be put back to the original XX/XX/XXXX charge off date, as the information reported XXXX/XXXX/XXXX is very inaccurate. You can see from the attached XXXX and XXXX reportings on my credit report that Ally is reporting that I financed the car in XX/XX/XXXX and it was reported as delinquent in XX/XX/XXXX. I bought the car brand new in XX/XX/XXXX for about {$15000.00} at {$320.00} mo. I only had about 4 months left to pay on it when I could n't afford to pay, and it actually became delinquent in XX/XX/XXXX. So it is being mis-reported every year, and only because I called to try to get a title, which I still have not been successful in getting.
Product: Credit reporting or other personal consumer reports

Someone has used my personal information name date of birth and social to obtain credit without my knowledge or consent.
Product: Mortgage

Planet Home Lending - Loan Solution Center XX/XX/XXXX final day at work. Location closed. 
XX/XX/XXXX I started the process to request for help. I bought the house putting my savings into the house in XX/XX/2023. I don't have extra to pay the house, electric, water, etc. I did not know my position would be eliminated with a closure. I am job searching and asked for help. Unemployment hasn't paid. 

The Planet Lending said they have 30 days from the Complete Package Acknowledge Acknowledgement which was delivered on XX/XX/23. Twenty days after I submitted everything. 

XXXX I paid late and was charged {$130.00} extra late fee. I asked if I could pay XXXX of the interest to avoid the late fee for XXXX. I was told if I pay XXXX it won't be applied until paid in full. They said they won't report a late payment until the XXXX. But suggested I pay in full. 

I am being held hostage with their " review '' process. They drag their feet to get the extra money from the people before they help them. Banks should be efficient. I was told Planet Lending had too many hardship requests and not enough staff. I told them to hire me! 

Please put pressure on them to do their job so I don't ruin my credit during this time of hardship. 

Servicer Name : Planet Home Lending Servicer Address : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone Number : XXXX Fax Number : XXXX Relationship Manager Name : XXXX XXXX Phone Number : XXXX