23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently disputed a collection account on my credit reports from a agency by the name of G C Services on behalf of XXXX XXXX. According to the collection agency they " verified '' with their client that the account is in fact my account using my name and address. They also enclosed documents to prove this. Upon the reviewing of these documents it is clear that this is not my signature, nor is it my name signed on these documents also I have never resided at the address listed on the account. This further proves that this is not my account. I would like these documents to be reviewed and this account that is falsely reporting negative information on all XXXX of my credit reports removed immediately. I would also like this account to be blocked from reinsertion due to the fact that it is hindering me from obtaining positive credit lines.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have a clear title from the State of XXXX  for the purchase of my car from a previous owner. XXXX XXXX in XXXX, XXXX  had my car repossessed and will not talk to me. I can not get in touch with the person I purchased it from. My title does not have a lienholder on it it is clear. I have a title and bill of sale. I called the police and they took a police report but said they can not report it stolen.
Product: Mortgage

In  XXXX   XXXX , I refinanced this mortgage to a local credit union. Previously with Shellpoint Mortgage Servicing. There servicing had been very poor after taking over for  XXXX   XXXX   XXXX  Mortgage. They were suppose to pay the property taxes in  XXXX   XXXX , they did not, so the new lender paid them at the closing of the new mortgage. I have verified with the city and who actually paid them. I also have a copy of the check that paid them from the credit union. The amount I 'm owed is {$5000.00}, this is the amount that should have paid the property taxes. Every time I called I received a different story from Shellpoint, first they paid electronically, then sent check, and recently that they had a third party vendor pay. I have called every week or  XXXX  since  XXXX  with no success. It does not seem like a simple mistake, it seems that they know they owe the money, but have a plan to defraud! The phone number I have been calling is  XXXX  and they are in  XXXX , TX. I also asked for proof of payment which they refused because there is n't any. Any help to recover my escrow balance would be greatly appreciated. Thanks
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries XXXX 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 15 U.S.C 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 item 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries on my credit report.
Product: Money transfer, virtual currency, or money service

Back in XXXX of 2018 going forward I made payments to PayPal monitored by Synchrony Bank and there was an accounting error in the transaction. It registered as an expense rather than a payment. This happened with each payment for several months and Synchrony Bank said the amount I owed was at a point where they penalized me with outrageous interest fees. My current balance is about XXXX $ and it should be around XXXX . I called them and they put my account on fraud alert and because of that they want me to send them a picture of myself along with a photo Id and I refused for fear of identity theft. They responded by mailing me form letters that showed no trace of a verification code to use when I called. This happened six times. I called again and as always got the run around. They are harassing me with form emails constantly. They simply wont help me outright. I need help. My credit score is in jeopardy.
Product: Credit card or prepaid card

Today i recieve a credit alert of a credit inquiry/ credit card aplication for a capital one credit card, i did have a fraud alert on place but i never recieve no call, i did not apply for a credit card with capital one or no other company i call XXXX  to have that inquiry remove from my file and start today my disputed to have the fraudulent inquiry remove from my file.
Product: Student loan

My parents plus loan was consolidated. I was told it had to be to be eligible for forgiveness. We made The first payment of the consolidation last month and the next payment is due tomorrow XX/XX/year>. I logged in to check the payment history and noticed no principal payment was applied. I spoke to a representative today who told me interest is always paid first which I understand but how can it be legal for a student loan to be interest only. She said didn't know. I have been paying this loan for XXXX  years and an interest only only is useless. She also told me I could not set up my payment to pay more than the minimum. This is 100 % predatory since non of those was disclosed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received several letters from XXXX XX/XX/XXXX, XXXX, XXXX XXXX, and XXXX making credit inquiries where my credit score was very low from Equifax in order to purchase a car. Within the last year I have not had an inquiry, but had a subscription with Equifax for several years to monitor my credit and the credit score was a fair one for XXXX and a fair one for the year XXXX. However, their reporting score to the above businesses was a poor one. I have a copy of my score from last year and this year from Equifax own website and I am sending a letter to the U.S. Attorney General to investigate. I want to know from the U.S. Attorney General how could several credit inquiries bring your score down to 78 points for the month of XX/XX/XXXX because that is when the inquiries were done and I have a fair credit score according to their own website. It appears someone in that agency manipulated the numbers.
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 privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 15 U.S.C 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 item of information, othe
r then 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Bankruptcy Account # XXXX has violated my rights. 

XXXX5 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 had to put a freeze on my credit in 2017 after someone had stolen my identity. I am now trying to purchase a home and am having a great deal of difficulty with Transunion in terms of getting a PIN number to release the freeze. I have contacted the company numerous times over the last month to have my PIN sent and am always told I will receive it within 3 to 5 business days. That does not happen. Every time I contact someone my call is directed to a switchboard in XXXX ( not a problem ) and there is a slight language barrier. I have had the folks repeat my mailing address back to me and it is indeed correct but to my great frustration I never receive the information I request or any paperwork at all. I have been informed that they can not fax, can email, nor can I pay to have it overnighted. I need a resolution to this issue soon and do not want to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The items listed below are still reporting on my Credit Reports and needs to be deleted immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX,XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$170.00}.
Product: Payday loan, title loan, or personal loan

I took a loan out with Affirm on XX/XX/2021. It was for merchandise from XXXX. The item was supposedly delivered but was mailed to someone else. I opened a dispute with Affirm so we could go after XXXX for the refund. I was supposed to be contacted by Affirm and never was. 

I got the issue resolved on my own and the money was refunded back to Affirm on XX/XX/2021. Affirm refuses to take the dispute status off and therefore the customer service team can not apply the refund and pay off the loan. I have called 9 times since XXXX to get this resolved. Customer service keeps telling me they have escalated the issue yet no one calls back. I have also emailed multiple times and never received a response. This needs pulled off of my credit report and resolved immediately as I owe them nothing on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to EQUIFAX. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things dated XX/XX/2023. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I purchased a bedroom mattress and box spring around 2019. I have been disputing the balance that appears on my credit report..Acima employees were recorded on several phone calls about me disputing this account for several reasons. First off I wanted to return the merchandise after about 3 months. They wanted me to deliver the merchandise at a storage facility in which my girlfriend at the time felt unsafe. We decided to keep the items. At this point you will see they are charging off an un agreed amount. I think they do this on purpose to maximize their profits and loss. I have questioned this many times but when I call they place me on hold and the call always gets disconnected. What I want from them are the final financial figures so that my soon to be attorney can bring them into court to see exactly what the final amount is for the written off balance that they claim to have on my credit report. Also they are still reporting this account as a charge off but yet we agreed to settle this account and it be removed from my credit report. The FCRA is very specific in the penalty and fines for violations. What this company has done is intentionally damaged my credit. They refuse to reply to my requests so unfortunately I have no other alternative but to request a full itemized summary through here and in lieu of a lawsuit moving forward I will ask one last time that this tradeline be resolved by removing it entirely from my credit report immediately
Product: Credit reporting or other personal consumer reports

LETTERS SENT IN REQUESTING PROOF AND REMOVAL NOT MY INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX U S DEPT OF ED/XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} US DEPARTMENT OF EDU ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, dispute letters and id documents went out to all three credit bureaus by the financial company I hire to build my credit. I have not received any communication from Trans Union, XXXX or XXXX. I called XXXX and the customer service rep said that they had not received a dispute since XXXX. I was not able to get through to XXXX or Trans Union but neither has responded to the disputes that were sent on XX/XX/XXXX, by first class mail. Please look into this matter and please let me know what you find! 

Warmest Regards, XXXX XXXX
Product: Mortgage

Multiple times a year Fifth Third Bank somehow cancels my automatic monthly online banking transfer payments to my mortgage and charges me late fees, and they only waive one as a bank courtesy when I have a perpetual never ending payment set up. They fail to provide me dual factor authentication for the online services they do offer to all the other customers. I called Fifth Third Bank about late fees for both XXXX and XXXX of this year and they hung up on me twice after I was on the phone for almost an hour. The 5/3 app frequently doesnt work, and dual factor authentication has been missing for me for years now. This is likely happening to other people who dont know how to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2.00} FCRA violations : not my addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/24 I received an email from an XXXX XXXX who states to be part of the XXXX XXXX XXXX for Select Portfolio Services , Inc however when I called the XXXX number I was advised by a XXXX that there were no notes from XXXX XXXX on my account. I was beyond elated to hear that a Loan Modification was being offered as I had requested and applied for however it seems this may not be the reality. Some how this XXXX XXXX XXXX XXXX XXXX through caller id had pertinent information about my home address, email and loan information, I called back due to my excitement to remedy the issues we have experienced for XXXX plus months with SPS Inc and not he has my phone number. He promised me nothing short of a miracle which may not even be true now. I am requesting for CFPB to have SPS assist in a similar Loan Modification, if it is not true yet and help to put the horror we have endured for nearly a year beyond us. We are just requesting to pay our mortgage monthly and have the COVID-19 forbearance balance placed on the end of our loan as a balloon payment as most forgiveness was given under the CARE Act. I am now concerned that a decent amount of my personal information has been sold or leaked to various entities that intend to do nothing but steal my money with a possible promise to fix all of our mortgage issues from the last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is a victim of ID theft. His information was used to apply for credit accounts without his permission. While accounts were not established the application process left fraudulent related inquiries on his credit reports. XXXX XXXX  and XXXX are items that remain on a credit report as inquiries after having been verified as fraud related. These inquiries left on the reports are a violation of the FCRA and my clients consumer rights. A previous escalation of XXXX XXXX was made to the CFPB, a letter confirming the removal of the data was received however an XXXX  credit report obtained XX/XX/2018 still has XXXX XXXX listed in the hard inquiry section of the report.
Product: Debt collection

Nation Credit Systems is saying that I owe a debit of XXXX to XXXX XXXX XXXX I left that apartment with fly colors and decent history I also have my move out statement And they not remove the debit after several attempts
Product: Debt collection

There are XXXX ( XXXX ) separate credit reportings that were opened on XXXX XXXX, XXXX ( 4 yrs, 8 mos ) and XXXX XXXX, XXXX ( 4 yrs, 1 mo ) by XXXX HOSPITALISTS and XXXX  XXXX SOLUTIONS. This is a gross misrepresentation of services I have never received and these debts that are being reported are not mine. I never received an services at any of these facilities and or by their corporations. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.   I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by  XXXX  for  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX . None of these accounts I applied for myself.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, KS XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, KS XXXX Employers : XXXX XXXX XXXX  Collection/Charge Off XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$7900.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX {$5200.00} XXXX XXXX {$5200.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I requested to transfer {$20.00} into my Binance.US account from XXXX XXXX XXXX XXXX and the transactions failed couple of times and you can see the Fail message in my transaction history. When I checked my account transactions with XXXX XXXX XXXX XXXX it shows that you guys took of {$20.00} five times. A total of {$100.00} but in my account its shows {$50.00}. I called community XXXX XXXX XXXX and they told me to reach out to you guys to get that reversed. See attached
Product: Student loan

My student loan servicer is Mohela. I made payments through the covid forebearance and requested a refund of those payments on XX/XX/23. I have received no communication from them. I sent them a message after initial request to make sure they were going to refund all payments- as I had paid some loans of and the loans were no longer listed with Mohela . I still have not received refund or heard anything from them in XXXX months. I submitted message complaint with Mohela 1-2 weeks ago and still have not heard back about status of my request.
Product: Debt collection

In accordance with the fair credit reporting act ( XXXX XXXX  ) ( account # ) XXXX, has violated my rights 15 USC 6802 which states a company can not furnish an account without my written permission, they did not have my permission to report an account. 15 Usc 1681b, 18 USC 10282A being they sold my information to a credit without my permission.
Product: Debt collection

On or about XXXX/XXXX/XXXX I received a communication from Suburban Credit Corporation attempting to collect a debt for XXXX XXXX. I wrote to Suburban Credit Corporation on XXXX/XXXX/XXXX disputing the validity of the debt, requesting verification from the original creditor including a statement of charges made and payments received, and demanding they cease collection activities. 

On XXXX/XXXX/XXXX I received another demand from Suburban Credit Corporation. They failed to verify the debt, they did not provide proof of the debt, and the communication was a collection attempt. 

The medical bill to XXXX XXXX has been paid in full, and I have proof of payment in full.