23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ, XXXX XX/XX/2024 AMSHER COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX Alabama, XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
List Incorrect Names & Addresses List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies.

3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 
Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been engaged in a lengthy endeavor to challenge the presence of incorrect information on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I possess the right to dispute any inaccuracies that exist. In my pursuit, I have sent multiple dispute letters and reached out to the credit bureaus, given the multitude of names and addresses listed that are entirely erroneous. I have never been associated with these names before. I have provided legal documents such as my ID, proof of address, and social security details to establish my identity beyond doubt. Unfortunately, despite my efforts, the credit bureaus persist in misrepresenting this information. This situation poses difficulties when I apply for credit-based services and raises concerns about potential identity fraud. I also keep receiving letters/email responses from the bureaus delaying my disputing efforts simply because I choose to use a credit assistance service. It is my right to choose to dispute the information on my credit report in the manner I choose. They do not need proof of how I choose to dispute. They must simply follow through on their end to address the inaccuracies and correct them as legally obliged.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ohio XXXX XXXX address : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ohio XXXX Dear Consumer Protection Agency/Federal Trade XXXX XXXX. 
Please do something about credit card companies bleeding consumers like me and God knows who else dry?

Heres the issue. 
Below is a copy of my bill whereas it shows that capital one is constantly waiting on me to make a payment on time then after I make my payment on time, Capital one takes and bills me interest whereas it is purposely automatically overcharging my credit card acct. to make it look like I the consumer has ran my credit card over the limit when in true fact I have not ran my credit card over the limit. 
I have continuously been paying on my credit cards to purposely keep from my credit cards going over the limit. Its the credit card company overdrawing my credit card not me! Now when I was able to make high payment credit card steady payments, I saw no interest. However, in these hard trying times of inflation, gas prices and food cost up like crazy. I am asking your agency to contact capital One to make this illegally act of interest that capital one is doing STOP! 
Capital one in no way is trying to help its consumers just bankrupt them with unnecessary applying unfair interest on credit card acct. that are up in balances to where you the consumer can not get your credit card balances down and or paid off. I am asking your agency to at least contact Capital One asking that credit card interest be waved for 90 days which grant the consumer time to get credit card payments down if not down PAID OFF!
Product: Debt collection

XX/XX/XXXX {$560.00} XX/XX/XXXX {$1800.00} To consumer reporting agency infringing on The Privacy Act of 1974. XXXX. I have never done business nor has had a contract with Portfolio Recovery. Transferring a security doesn't give rights to whoever it transferred to and only the original creditor can come after me, which is who I signed with, but they lost their rights once they transferred. UCC 3-203 TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a pi son other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this article.
Product: Debt collection

In 2019 I went to get some money out my account just to be told Midland Credit had a judgement against me. I was never served by Midland credit or my bank huge federal credit union. At the time they said l owed XXXX. They took XXXX out my account. I have a court date on XX/XX/XXXX. Its for garnishment. The person they served was not me. I filed a few motions explaining to the judge its not me. The judge goes pay the money. During the time this went to collection l had servers l accounts that someone hacked into including my bank account.
Product: Debt collection

I am writing this complaint against National Credit Systems, located in XXXX, XXXX On XX/XX/year>, I noticed on my credit report a collection from this company on my credit report. I called them in order to verify the debt, verify their legal right to collect the debt, and also see how I can resolve the issue with them. During the call, the representative insisted that I provide my full Social Security number before they would discuss my account. When I asked why my full social was needed, the representative yelled at me and transferred me to someone else who hung up on me. Two days later, I tried to resolve the issue again by calling them. The same thing happened, I was asked to provide my full social security number. 

I believe this practice is both unsafe and illegal, as it exposes me to unnecessary security risks, including identity theft. Under federal consumer protection laws, debt collectors should be able to verify an account using alternative personal identifiers, such as the last four digits of a Social Security number, date of birth, or address. Requiring a full Social Security number over the phone creates an unfair and deceptive practice that puts consumers in danger.

Furthermore, this situation has caused me mental distress, as I take my credit score seriously and want to ensure that all reported debts are accurate. I wanted to resolve the issue with them as
soon as possible because I have financial goals I am trying to reach in the very near future. However, National Credit Systems refusal to verify my debt without my full SSN has prevented me from addressing the issue properly and has made it impossible for me to resolve the issue and get my financial situation back on track.
Product: Credit card

Re : New XXXX  Card Account Without My Knowledge On XX/XX/XXXX and also a day or XXXX previous, XXXX  I called my Citi XXXX ( XXXX ) and wanted an additional card for my daughter ( on my existing credit card ). 

Both days the representative said they needed my daughters SSN and address and I balked, asking why do you need this information when I am responsible? No answer given. I gave them the information because I thought that was the procedure to add another card holder to my own account. 

A few days later, a new Citi credit card was sent to my daughters address which included a XXXX card for her and me and I learned that she was the major card holder! This is fraud and adds up to the necessity for these banks to add new customers to brag to their XXXX and XXXX XXXX XXXX. 

I finally threatened them with closure of my account and they sent me a credit card with my XXXX name on it. Then I wanted to close the fraudulent account ( I never activated the cards ) and to make it difficult to close the account, they said they needed to talk to the primary card holder!
Product: Credit reporting or other personal consumer reports

15 USC 1681b Permissible Propose... It is a violation for credit bureaus & companies to report anything on your credit report without your written consent. I never provided any written consent to the credit bureaus or any of these companies to report anything on my credit report.To keep reporting this is identity theft ... Remove these accounts immediately from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Payday loan, title loan, personal loan, or advance loan

Account inaccurate. Payment made in XX/XX/year> still not updated 8 months later preventing me from securing mortgages and preventing home ownership. Violated my rights as a consumer.
Product: Checking or savings account

In XXXX chime bank locked and shut my account because of a suspicious fraudulent transaction. I have satisfied every request made to prove there was no fraud and have even been at the point where they agreed to cut a check for the money being withheld. 
I transferred {$10000.00} that I am able to show proof of the funds, the transfer from XXXX XXXX XXXXXXXX and chime receiving the money. 
In my opinion, chime has stolen the money and has no intention of giving it back.
Product: Mortgage

In XXXX of XXXX my identity was stolen. The Mortgage Company reversed payments to my Bank without my knowledge. The bank who I will deal with separately contacted My mortgage company and told them to reverse 12 payments. Thank God they only reversed 4. We sent proof to the mortgage company showing that we have never missed or been late on a payment. We have tried to make up the payments that were reversed. But with all the fees and late charges we don't have the money. Problem is all the late and service fees. They have also further damaged my credit rating by reporting me in default. 
We have contacted The mortgage company many times. Each time a new representative and no satisfactory response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. You however, seem to claim you've verified the accuracy of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please REPAIR the account XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report was exposed in the data breach.And multiple inquiries are not from me and need them to be removed immediately please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was charged off. Still reporting on credit report with a balance. The account and charges are not mine I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

for some reason I have 18 to 20 unknown inquiry 's on XXXX, XXXX. and Experian credit reports, I've tried to contact the company 's and the credit reporting agents, and all I get is the run around this has been going on for 3 months ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit score decreased today XX/XX/20. No negative information reported. No negative information added. Only change was credit card payment made, which decreased credit card overall credit usage balance. Called representative today at around XXXX Eastern was told system was down and to call back. Called again at XXXX Eastern spoke with a representative who could not or would not provide any assistance with my specific issue. The Equifax representative stated he was only able to advise me of what on my credit report could have a negative impact not why my credit score decreased. He is unable to see recent changes or the scores, but could refer me to a credit counselor. I advised I am not seeking credit counseling, but need to know why my score decreased 22 points for no reason. It was implied that there is no way an error could be made with the credit score reported, and no way to get it corrected. I asked to speak with a supervisor and was advised they will not be able to assist me either. I was placed on hold, a supervisor never came to the line. I feel there is no reason other than a discriminatory act my race or gender for my credit score to decrease. I feel Equifax 's practices allows for this act to continue, and allows me as a consumer with no other option, but to seek assistance elsewhere.
Product: Debt collection

Today XX/XX/2024 I received a call from Medicredit Inc. While in conversation with the Representative, I explained to her that I had already disputed this debt with the original debtor, in writing three Months in a row, XXXX, XXXX and XXXX, with a written response requested. She ignored the Information I provided and when I asked for a written response from them she flat our refused to send it. I again explained that the Original debt had been disputed and in writing and her response was that was with them the debt is now with Medicredit and I could dispute it with them. Repeatedly refusing to acknowledge that I had already disputed the debt with no response, essentially nullifying the debt. Her response I have noted everything you said, yet refused to provide the written response I requested. She stated that the debt wa swith us and as I requested to no longer receive phone calls, that because the debt was now with them they would continue to collect the Debt, which has already been made invalid by the Original debtor for failure to respond to my repeated written dispute.
Product: Debt collection

I had a debt on my credit report from XXXX. After attempts to dispute it with them for many years, I gave up. XXXX then randomly sent me a 1099-C cancellation of debt - code G " Decision or policy to discontinue collection. Decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' They sent this 1099-C form to an old employers address. Thankfully my employer had my info to send it to me or else i would not have gotten it. XXXX also sent it 10 months after they had cancelled the debt ( and they sent it past the XX/XX/31 deadline ). With that said, experian is still showing it as a collections account on my credit report. I submitted a dispute and provided the documents showing the debt has been cancelled at the creditors request, and i also showed them that the debt is also 7 years old, so it should have been removed just on the statute of limitations alone. They came back with dispute results and said that " XXXX verified the information as accurate, so no changes were made ''. This legally is supposed to be removed from my credit report. Im not sure why they insist on keeping something on my credit report that not only has the documentation to prove its cancelled/discharged, but if XXXX is truly verifying this as an accurate debt, that means theyre actively going against the 1099-C " Cancellation of Debt '' IRS form they sent me , and i will have to let the IRS know that I have reported this as income due to cancellation of debt, but that XXXX is not honoring it XXXX as i no longer have any responsibility for the amount owed.
Product: Mortgage

Regarding my potential lender : Better Mortgage Corporation Better provided a loan estimate at the beginning of XXXX. Under the " Calculating Cash To Close '' section of their loan estimate while I was comparing lenders they incorporated a {$3700.00} credit on the " Adjustments and Other Credits '' line. 

This line item was never discussed until today XX/XX/10 after they removed it. I emailed them to ask about this line item on XXXX XXXX with no response. 

The response I received from them today ( XXXX ) the credit is their assumption that the seller has unpaid taxes which would lead me to bring less money close. How can any lender assume this and place it on a " good faith '' estimate? 

I noticed other lenders we've worked with or asked for a loan estimate from never assumed the seller would be providing tax credits or even filled in any credit on this line item within a loan estimate. 

This is very misleading. It played a factor in selecting Better as a lender. They removed it yesterday as I'm soon to close on my house. Now I'm expected to bring more than {$3000.00} extra to closing. 

I want to make you aware as a concerned consumer. I don't want anyone else to be blind sided by this type of situation.
Product: Student loan

I submitted my application for XXXX to MOHELA. They received it twice as shown on their website with the dates of XX/XX/XXXX and XX/XX/XXXX. Up until yesterday the website showed that application was being processed, and then today XX/XX/XXXX, it showed that both documents were cancelled. I called to find out what was going on, and after waiting on the phone for XXXX XXXX hours, I finally spoke XXXX XXXX who proceeded to say that my loan didn't qualify. I explained that the loan should qualify because I had just consolidated so that I could have the correct typed of loan to qualify. So she checked some more and agreed that the the type of loan was correct. Then, she said that the application was submitted twice and that was the problem. I asked how so? She then checked the information on the application and asked who my employer was. I responded, and she noted it, even though it's already on the application. She continued to do some more checking and said that somebody probably made a mistake and cancelled the application as she didn't see any issues on the actual application. She then said that she was going to resubmit it, and for me to check at the end of the month to find out if it was accepted. She said it won't be processed right away because they were busy. Keeping in mind that there is a deadline of XX/XX/XXXX to submit this application, how do they expect people to just wait around to see if they do their job well. 

At this point, based on the responses I received I feel that XXXX was giving me the run-around. I did not even receive an apology for their mistake of cancelling my loan by " error. '' I do not trust they have my best interest here.