23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The companies below I don't not recognize XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX ( XXXX  ) I've never done business with this company. I don't have a contract with this company. This company has stolen my identity or have my identity without my permission. I have provided a police report they are report negative, fraudulent, unauthorized items on my credit report. I have ask for proof with my Id, signature, Signature of company representative on a contract between the company and I. How much the debt has been sold. Proof that they are licensed and bonded to collect in my state ( Georgia ). Accounting history, proof that the debt haven't been written off, discharged, and filed as a lost with the irs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint today to request the Credit Bureaus to remove the accounts and information that resulted due to identity theft. After receiving an updated copy of my Credit report, I immediately noticed that the previously disputed fraudulent items are still reporting on my Credit Report despite the numerous dispute letters I have been sending to the Credit Bureaus. I have read that under the FCRA section 605b, the Credit Reporting agencies are required to remove the accounts and information that the consumer identified as item resulting to identity theft. The letter I sent on XX/XX/2022 has complete attachments of my personal identifying documents, the ID THEFT REPORT I received from the FTC as well the FCRA section 605b. I am requesting the Credit Bureaus to remove the following items completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00}. If the Credit Bureaus claim that the items in dispute belong under my name, I need the Credit Bureaus to provide me copies of proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from experian. Stating a new address was on my credit report XXXX XXXX XXXX which is not associated with me the address up above and that linked to a collection XXXX XXXX XXXX XXXX that I have no knowledge of that also being reported on my credit file. I have put in multiple complaints in stating these items do not belong to me as will names on my credit that are being reported. And I believe this why when Ive file a dispute they are going back either verified or updated
Product: Credit reporting or other personal consumer reports

I didnt not authorized them to put this account on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from Minto Financial d/b/a Minto Money for {$630.00} on XX/XX/XXXX, with a disbursement date of XX/XX/XXXX. The loan had an extremely high Annual Percentage Rate ( APR ) of 473.48 %, which I was not fully aware of at the time of borrowing. Since taking out the loan, Ive been charged substantial finance charges and fees that were unexpected and far exceeded the original loan amount. Despite having repaid the {$630.00} principal, I am left with an outstanding balance of approximately {$9000.00} due to these excessive charges. 

**I had contacted Minto Financial via on XX/XX/XXXX via email to revoke my automatic payment authorization for the loan. I received confirmation that the auto-payment would be canceled. However, despite this confirmation, Minto Financial attempted to withdraw funds from my bank account onXXXX XXXX, XXXX. This was after I had revoked the auto-payment agreement, and there were insufficient funds in my account at the time of the withdrawal attempt, which caused further financial stress. My bank account has been shut down.

The unexpected charges have created an unmanageable debt, and I am now facing financial hardship because of the excessive fees and interest that have been applied to the loan. Despite paying off the original amount borrowed, I am still left with a significantly larger balance, and this is impacting my credit report and my ability to secure housing.

Predatory Lending Concerns : I believe that the loan I was offered is predatory because the APR of 473.48 % is unreasonably high for a short-term loan, especially for someone with limited financial resources. The high interest rates and unexpected fees have created a cycle of unmanageable debt. Even though I have repaid the original loan amount, the balance keeps growing, making it nearly impossible to repay.

Additionally, the loan has significantly impacted my credit report and credit score due to the accumulated fees. This has directly affected my ability to secure housing, as landlords are reluctant to rent to individuals with poor credit.

Relevant Dates and Amounts : Loan Amount Borrowed : {$630.00} APR : 473.48 % Loan Agreement Date : XX/XX/XXXX Disbursement Date : XX/XX/XXXX Total Fees and Charges Paid to Date : {$3100.00} ( finance charges ) Remaining Balance Owed : Approximately {$9000.00} Principal Paid Off : {$630.00} First Payment Date : XX/XX/XXXX ( according to payment schedule ) Last Payment Due Date : XX/XX/XXXX Impact on Credit : The fees and accumulated balance have negatively affected my credit, preventing me from securing housing.

Additional Information : The loan terms, especially the APR and fees, were not fully explained to me upfront. The unexpected charges have created an unmanageable financial burden, and I am seeking assistance in resolving this issue. Despite having repaid the original borrowed amount, I am still facing a substantial remaining balance that continues to grow due to excessive fees. This situation is impacting my ability to maintain or improve my credit, and I am now struggling to secure housing because of it.
Product: Debt collection

ON XXXX CREDIT MANAGEMENT CALLED ME FROM XXXX TO MY PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THEIR AGENT TO COME ONLINE. I ASKED FOR THEIR NAME AND AFTER THEY GAVE ME THEIR NAME, THEY HUNG UP ON ME AFTER I ASKED THEM WHAT THEIR MAILING ADDRESS WAS. SO I CALLED THEM BACK AND SPOKE TO XXXX. I TOLD HER WHAT HAPPENED AND ASKED TO SPEAK TO THEIR COMPLIANCE DEPT. SHE TOLD ME THEY DON'T HAVE A COMPLIANCE DEPT. I REQUESTED TO BE PUT ON THEIR DNC LIST. THEN, THEY CALLED ME AGAIN TO MY PHONE NUMBER XXXX FROM THE SAME NUMBER OF XXXX AND THEY HUNG UP ON ME AFTER I SAID HELLO. WELL, I CALLED THEM BACK AND XXXX ANSWERED THE PHONE AGAIN. I TOLD HER I WAS CALLED AGAIN, SHE PUT ME ON HOLD AND CAME BACK ONLINE AND TOLD ME TO CALL XXXX. AFTER ASKING SEVERAL TIMES, SHE CONFIRMED TO ME THAT THIS WAS THEIR COMPLIANCE DEPARTMENT. I ASKED HER TO PUT MY NUMBER ON THEIR DNC LIST AND SHE SAID SHE WOULD. I HAD A FEELING SHE WAS NOT PAYING ATTENTION, SO I ASKED HER TO MAKE SURE SHE IS ALSO PUTTING THIS NUMBER ON THEIR TOO. THEN SHE NOTICED THAT SHE HAD TO PUT MY OTHER NUMBER ON THEIR DNC LIST AGAIN. I TOLD HER YOU GUYS CALLED ME AND HUNG UP ON ME WHEN YOU HEARD MY VOICE AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included XXXX EQUIFAX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XXXX, XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX ACCT 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: Consumer Loan

I provided all of my personal info and was told that I was preapproved for the loan. I then applied and provided all of the required documents. I was told it would be a few days before i heard something. A week later I called to inquire and was told it was n't a problem. Another week pass and I was call and asked some questions. After that my account was close and I was denied the loan by email and could not log into my account for an explanation.
Product: Credit reporting or other personal consumer reports

I uploaded several documents along with the FTC report. I also uploaded a bankruptcy letter from the apartment, and the courts at the county that the bankruptcy came from. I also uploaded inquiries that shouldve been removed that was fraudulent that was never removed as well as a lot of the accounts have the wrong dates and amounts on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters around XXXX XXXX XXXX XXXX XXXX XXXX ( regular mail ). asking each of them please remove them. 30 days have long since passed, without any response or taking action to remove the obsolete or incorrect information requested. As we all know, this is a violation of the FCRA. I made two attempts and have not received any response from either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request in response to a letter I received from 3 Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that the 3 Credit Bureau must investigate and delete these fraudulent items XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance - ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Consumer Loan

Bank of the west financed my boat for fifteen years during the first five years at XXXX XXXX they had a promotion to extend a payment for fifteen dollars I took advantage of this for five years .I paid off the loan including the five extra payments, then, I was told I still owed XXXX more for interest on those promotions.i complained but to no avail so I continued to make three more payments before I found out they reported my loan a write off to the credit bureau.I turned this over to a law firm they are writing a letter stating deseptive trade.the law firm advised me to turn this in to you .please advise me of what else I can do to get my titles on the boat and motor and clear my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said the info I disputed was verified, without providing me with the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is doing a fine job deleting 3 of my hard inquirys they need to get rid of these to XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid my balance and accidentally over paid by XXXX. This meant I had a negative balance on the following bill. When I received the bill for the next month, it showed my starting balance as XXXX, but also said I had {$5.00} past due and I have received multiple harassing emails attempting to collect a balance that isnt owed. I notified the card issuer, but because their reps dont understand how their mistake happened, they dont understand what to do with it. Attached is the bill that shows their error.
Product: Checking or savings account

I have attempted to send my affidavits I have been a victim of ID Theft for many years. Currently I am being collected on a credit card from Wells Fargo I never opened. Today I come to find out I can't open a checking account because my identity was used as well to open one.
Product: Credit reporting or other personal consumer reports

This is to follow up the presence of these late open accounts inaccurately reflects my financial history and has the potential to adversely impact my creditworthiness and financial opportunities. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. This recurring issue not only causes me significant inconvenience but also undermines my trust in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit file : 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
Product: Checking or savings account

I was a Simple customer for years, and it was bought by BBVA. Since their digital migration on XX/XX/2021, I have not been able to set up an account, see my balance or reach their customer service. They have not emailed or called me back. Additionally BBVA customer service is a vey very long wait and when they do pick up the line is immediately disconnected. I have not been able to access my account for over a week now, this is unacceptable customer service. Customer service also has a very hard time understanding whats happening.
Product: Checking or savings account

I am disputing PNC paper statements overdraft fees of {$4.00}. Due to the fact I was initially restricted from online banking options, upon opening the PNC account on XX/XX/2021 With that restricted online banking, no virtual access to my account, I can not select the paperless online banking statement options.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDITO REAL USA FINAN located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXXXXXX XXXX XXXX, has violated my rights. They have not provided me with the original contract from XXXX that shows proof I have an account or contract for this debt. This account is a charge off asking for paid debt to be repaid. I did not validate this account to be on my credit report. 
15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Product: Credit reporting or other personal consumer reports

I sent certified mail to the Credit reporting agency to investigate incorrect, invalid, and impermissible information pertaining to my credit report regarding a XXXX XXXX account with the account number - XXXX. After conducting a full investigation I was told the referred account has not been changed and will remain on my credit report. Earlier this year I made a complaint to the CFPB about this same company furnishing all of this invalidated data without my written consent. I, The consumer should be protected under SECTION 15 United States Code 1681 in its entirety. The negligence to uphold these standards and willful non compliance to maintain accurate reporting is extremely disheartening as it is very damaging to my reputation causing me extreme stress, mental anguish, and making it very difficult for me to maintain financial stability. I have attached proof to validate my claims. Please investigate this matter immediately. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to access my credit report since XXXX. However, I am unable to do so. I paid XXXX XXXX to monitor my credit. My information was compromised years earlier ... a leak of information occurred at XXXX XXXX XXXX. I was informed that I should put a freeze on my credit file. I thought that I was successful. However, I have been informed that my ssn # was in fact used for at least XXXX loan ( possible XXXX loan ) and possibly a XXXX  card. I filed XXXX XXXX XXXX. I have no credit cards. Furthermore, I haven't had a driver 's license since XXXX! I don't own any vehicles. I've only lived at my current address since arriving in XXXX. 
Please help me resolve this problem and remove any bogus items on my credit reports.
Product: Debt collection

Hello  . ARS collection agency. First appeared on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to   XXXX   XXXX   XXXX   XXXX  . All  XXXX  agencies removed the listings.
Fast forward two years later, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with   XXXX   XXXX   XXXX   XXXX  . Again sent request to validate the debt - tracked of course though the USPS. They again failed to validate the debt. Still not removed from   XXXX   XXXX   XXXX   XXXX  . I do n't recognize the account and they did not se  nd validation of the debt. Not sure what to do at this point.
Product: Mortgage

On  XXXX   XXXX    XXXX   I received an updated escrow review from my company LoanCare. They increased my escrow requirement to {$670.00} from {$510.00} per month. This was caused by an incorrect calculation by their escrow department in assessing my property taxes for the year ( They computed them as {$7500.00} when they are actually approx {$5400.00}, information they have had since  XXXX    XXXX   when I sent them actual tax bills ) I called in within a few days to explain their miscalculation and was told it would be taken care of wi thin 15 bu siness days, as they would do another review. I then waited and called in for a status on  XXXX   XXXX . They stated they were unable to do a review because they did n't kno w what my taxes were. I did the leg work and contacted my county tax office and was told my taxes were the same as my last billed one. I the n resent in my tax bill and description of wha t the county tax  office had told me on  XXXX   XXXX , where I wa s again told 15 business days were necessary. I have attempted an update via phone or email with LoanCare after the 15 business days had  passed (  XXXX   XXXX  ) and have not gotten any response as to the escrow issue being fixed or even an update on progress. As such, I had to pay the extra incorrectly assessed escrow account on  XXXX   XXXX  for my monthly mortgage. Additionally, they seem to be ignoring my queries and continuing to keep my escrow at the incorrect level to force me to send them more money then is necessary, upon a mistake they made.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/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