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

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Equifax. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Equifax credit report. Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. 

I am perplexed as to why this fraudulent account continues to be reported by Equifax despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 

I hereby request that you conduct a thorough investigation into this matter and immediately remove this fraudulent account from my Equifax credit report. The company has acknowledged the fraudulent nature of this account, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is publishing hard inquiries that I did not approve of on my report and not allowing me to dispute these or view my report online through the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FCRA.
Product: Mortgage

Our mortgage was transferred from our original signatory agency, XXXX XXXX XXXX, XXXX, South Carolina to Lakeview Lone servicing in or around XX/XX/XXXX. I don't have an exact date because we were never informed, sent any information and most importantly no bills were delivered either via traditional mail or electronic means. 

During this time I was XXXX on a detachment with the XXXX XXXX. My wife was at home tending to the bills. After attempting numerous calls, none of which reached an actual person, she was unable to contact the company for well through XX/XX/XXXX. During this time, we also did not receive any paper bills, the first one finally arriving in XX/XX/XXXX. When I returned, we were finally able to get a hold of person ( after multiple days of trying ), and pay our entire overdue balance and the first contact with the company. Despite this, the company still reported to the credit bureau that we missed two mortgage payments. It should also be noted that we were never notified via phone call, text, e-mail or letter that we were in default during this period. They simply reported the missed payments without any notification to us what-so-ever. 

I have never been in default of a payment with any credit agency before or since this interaction with this company. Because of their actions, my credit was negatively impacted enormously, something I have maintained for years. 

I humbly request the assistance of the CFPB to have this blemish removed from my credit report. As a military member, I have to move quite often and this will very negatively affect my interest rates in the future. 

Thank you very much in advance. 

-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXXInquriesXXXX  All of these inquries have been totally illegal and was not authorized on my part. I just hired a credit specialist to work on my credit and I need to have all of these removed as soon as possible. All these inquiries were from car dealers and I have never applied to anyone of these dealers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I would like my Personal information Updated to only one of each. Names and address i do not go by or does not live at. I sent in a letter but i don't see any change
Product: Debt collection

The amount of {$820.00} is what Credit Collection Services keeps claiming that I owe for a visit that I had made to XXXX XXXX in the fall of 2020? I've repeatedly informed this company that I had paid my medical bill at the point of service but for some reason they keep blackmailing me to pay an outstanding surprise bill/debt of {$820.00}? 

Please see attached fraudulent invoice they keep sending me.
Product: Credit card or prepaid card

This is concerning my CareCredit account even though I have made my payments on time never had a bad mark against me not with them or with anyone else on my credit my last payment that I made to them on XX/XX/XXXX for {$5300.00} was made on the website the payment was due XX/XX/XXXX so I made a week in advance I originally start making the payment through my bill Pay through my XXXX XXXX where I have my checking and savings account I entered the information how much I wanted to pay on XX/XX/XXXX I kept checking to see if they made the payment and when I checked the account I saw that they made two payments of {$5300.00} so I went to my branch to take care of this problem my bank told me they will cancel one of the payments and they will inform Care Credit by letter and by phone of what happened the two following days I kept checking and I saw that my bank sent them five payments of {$5300.00} at that point I went back to my branch and told him whats going on and I asked them to stop the payments so my checking account will not be overdrawn and that I will make the payment to Care Credit through the Internet directly to them so I made the payment XX/XX/XXXX it posted that it was paid a day later I see that they posted that I had a {$15000.00} credit because too much money was paid so XXXX XXXX  asked for the money back or cancel the payments so Care Credit stop the payments the next thing I know I receive a letter from Care Credit stating that my account was closed because too many dishonored payment I never had a payment go bad with them any checks returned with them or ever had anything bad with them so because they had to cancel the two payments their policy is to close the account but the fact is my payment was made on XXXX XXXX through the website and that brought my balance to XXXX. So there was no reason for them to close the account they shouldve just returned the money back and And leave my account in place this has caused me a lot of pain they reported to the credit bureau and it dropped my score 42 points I tried talking to them and they will not budge even though I explained and they agreed with me that I was a victim they were not willing to make any changes by reinstating my credit card or change the wording Care Credit is blaming XXXX XXXX  and XXXX XXXX is blaming Care Credit and I am stuck in the middle I am trying to fight this with two giant companies they will not budge what I believe happened is I had charged {$7500.00} with Care Credit for dental work and it was a promotional that if I pay this bill within six months I will not pay any interest I paid it one month in advance I believe thats one reason And then I also believe because of my age of XXXX years old that the bank doesnt want to take any more chances even though I have a clean record can you please help me on this thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. The name of company is XXXX XXXX and this account was opened on XX/XX/XXXX. I am a victim of identity fraud and I have spoke with both creditor and credit bureaus about this account and it has been removed from all three bureaus but has been put back on my XXXX only. I requested for more information pertaining to this account from both creditor and credit bureaus and nothing has been sent in over 90 days. 

Navy federal credit Union was opened XX/XX/XXXX and its reporting inaccurate/incorrect information pertaining to late payments and I requested for proof by creditor and credit bureaus and both told me they cant provide further information.
Product: Mortgage

our mortgage was sold to a different company. we got a letter saying to pay the original company through a certain date and then submit all payments to new company. we paid the original company as requested and have bank statements to prove it. the new company started calling requesting payment and we told them we had paid the original company as directed. we encouraged the XXXX companies to talk to see that the payment had been made. we were told things had been resolved, yet its listed as a late payment on my credit score.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in overcoming this unfortunate experience.
Product: Debt collection

I received response from debt collector. I believe that Fair credit act states if a alleged debtor ( XXXX ) realizes it made a mistake and took debt off one credit report, then it should be taken off all. ERC fails to accept that info, and doesnt admit this really is not something they should have contacted me about as I explained that to them and they were well within the ability to research this with the info I supplied. I explained I would not give them my SS number as I was hacked last year and will not divulge. And I also explained I never lived at a NJ address which was also disputed.The clerk in the legal dept that answered my complaint failed to address this and failed to accept responsibility that that was all that was needed to research this claim and to contact XXXX to verify. This collection was placed on my report without any verification and this collector failed to verify and validate as they sent me a collection letter. It should not be my burden to try to get this off my report and try to correct this as Ive been trying to do, this already was addressed last year with XXXX as I explained to clerk and XXXX removed it from XXXX. Therefore it should also have been removed from the other reports as I explained to ERC. They could have verified this info easily and instead refuse to accept this and accept responsibility for their collection efforts which were blatantly unverified that this debt was owed or even mine, I feel it was harassment.
Product: Mortgage

XX/XX/20 - Applied with Chase Home Mortgage with XXXX XXXX. 
XX/XX/20 - Provided XXXX aka XXXX with all requested information to receive a quote on a Mortgage refinance - Details below 1. Est. Home Value XXXX 2. Loans - XXXX primary Mortgage XXXX Heloc 3.  LTV of new loan 60 %, 4. Interest rate 3.25 % 5. Points 2.315 %. 
XX/XX/20 - Further discussion Points was reduced to 1.69 %. 
XX/XX/20 - Accepted terms of XXXX Loan 3.25 % interest rate and 1.69 % points. 
XX/XX/20 - Paid {$500.00} deposit based on accepted terms, advised not refundable unless the deal doesn't close. 
XX/XX/20 - received new loan estimate with different terms than agree 'd. XXXX loan, 3.25 interest rate and 2.315 % points. 
XX/XX/20 - Spoke to another representative ( can not remember name ) - advised I was not happy with the new terms I did not agree to. Was told XXXX ( XXXX ) would call me back the same day. 
XX/XX/20 - No word back from Chase or XXXX, sent an email to XXXX that I do not accept the updated terms and requested to cancel the process and to refund the {$500.00} deposit as Chase was not living up to and not timely correcting the issue. I have lost faith in the integrity of Chase. 
XX/XX/20 - XXXX finally made contact and refused to take responsibility fix the issue or refund the {$500.00} deposit. Again requested via Email to cancel the transaction and return the {$500.00}. 
XX/XX/20 - XXXX XXXX of Chase sent an email requesting I continue to submit documentation to push the loan further. I made him aware that on XX/XX/20 I requested to end this transaction and request the return of the {$500.00} deposit as Chase was not honoring the terms I agreed upon. 

I was confused as to why XXXX ignored my request to terminate the process, and I have yet to receive the {$500.00} deposit refunded back to my credit card. 

I agree 'd to pay the {$500.00} deposit based on the lower point terms, I was hesitant to pay a deposit based on the 2.315 % points and only after being offered the 1.69 % points was I comfortable paying the deposit. To me this is a bate and switch poor salesmanship trick. 

Time Stamps of all 5 files being provided. 

1. 1st Loan Estimate, not accepted, not locked - XX/XX/20 XXXX XXXX  2. 2nd Loan Estimate, accepted, not locked - XX/XX/20 XXXX 3. Lock in Agreement, Accepted, XX/XX/20 XXXX 4. 3rd Loan Estimate,  accepted, locked XX/XX/20 XXXX 5. 4th Loan Estimate, NOT accepted, locked XX/XX/20 XXXX
Product: Debt collection

I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/2023 to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

PORTFOLIO RECOVERY ASSOCIATES , LLC. 
{$11000.00} This account is being disputed
Product: Credit reporting or other personal consumer reports

I am writing to let it be known that I experienced a security incident that resulted in unauthorized access to my personal information.
Product: Debt collection

I was driving and I was trying to tell them i had resolved that debt. i asked for them to call me back that I was driving. The only thing that happened was the person got loouder and louder as i tried to repeat that i was driving and behind the wheel in my car. I got upset having someone over power me in my car. I gace up trying to communicate and hung up. I did not want to wreck and my attention was being diverted.I got another call and the person asked if it was mr XXXX I answered yes. She began to try to forcefully as in ovrtpowering the conversation. I had to speak up and I was requesting that her company send me information about themselves and also this debt I had not received anyrhing in the mail. She said they did and I told her I had not received any. she became aggressive again and and all I could do was hollar into phone so she could hear me over her own voice,,, SEND ME THE INFO..and then I hung up. I went back and looked at all my mail and there were no letters as she had said. I called the company after looking up my credit report and seeing what was going on. I got the number and address and called. I wanted to communicate .that I would like a letter explaining the debt. Who it was and when and are you Midland liget? I have just been idenity theft. The man would not take my information I was trying to convey and just began to talk louder and tell me they were going to collect. I tryed XXXXhatI had ro hollar this hoping he would hear me. I got upset again and I had yto hang up. Idecided to see if there were rules to help me as a consumer. I never took any federal or state finds during or at anytime with the covid crisis. 

The Complaint is about credit card
Product: Checking or savings account

I mailed in a new account application with a {$500.00} money order. They never opened the account and kept my {$500.00}.
Product: Checking or savings account

Citibank made an internal error thinking I deposited a 3rd party check, which is incorrect. They admitted it was their mistake but closed my account anyway.They simply overlooked the DBA. I am the sole signatory on all the accounts. They closed my account without notice and said it would be 45-60 days before I could get my funds ( approximately {$46000.00} ). I have tried weekly to get my funds or update. This occurred on about XX/XX/2023 and I have still not received my funds. I have SERIOUS health issues... .XXXX XXXX XXXX. I had to miss treatments because I lost my insurance while trying to collect my money. This is lXXXX XXXX. I can not even purchase my normal medicine right now. I haven't paid my rent, or my employees ... this is hideous.
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  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I did not have the best of credit, my score was about 630. I had originated a loan XX/XX/XXXX on a XXXX XXXX XXXX with Credit Acceptance, XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX The loan document shows the amount financed was XXXX, at an APR of 22.99 % for a total finance charge of {$10000.00} for a term of 66 months, the monthly payment being XXXX with the first payment due XX/XX/XXXX. I have made my payments and have had no problems until I was involved in an auto accident on Tuesday XX/XX/XXXX. I even made my regular vehicle payment to Credit Acceptance in the amount on {$380.00}, on Friday XX/XX/XXXX. I regularly paid more than my monthly payment. 

On Tuesday XX/XX/XXXX The XXXX Insurance adjuster declared the vehicle a Total Loss and the at fault drivers insurance company, XXXX has issued a market value total loss payment check, made entirely payable to Credit Acceptance on XX/XX/XXXX in the amount of {$9300.00}. 


Credit AcceptancXXXX has generated a letter on XX/XX/XXXX. Stating they received an insurance check and made no reference to how much the check they received was for. They also claim I owe money on the loan since I did not have GAP insurance. No amounts given on the letter I have never received ANY telephone contact communication until XX/XX/XXXX, when I returned their missed call. Now they call every day, several times a day trying to collect a " deficiency amount '' that changes on EVERY phone call. It's insanity. 

My contract states a loan for XXXX, with a 22.99 % APR. It states the total finance charge would be {$10000.00}. For a total of payments being {$25000.00}. They credited only {$4800.00} finance charge rebate, which I find odd as there are 41 months left on the loan, The math does not add up, they FLAT OUT told me I'm not entitled to an accounting of how they arrived at the finance charge rebate. They threatened to RUIN my credit, The offered an {$800.00} pay in full settlement on Monday XX/XX/XXXX. When they called me on Friday XX/XX/XXXX the offer was {$900.00}. 
And they'll help me get another car. The joke is ON them, I have already purchased another car and I'm paying much less interest thanks to the timely payments of the car and several credit cards my credit score has gone up significantly since my original loan with Credit Acceptance.
Product: Debt collection

I believe this account is a fraud XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.