23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a loan # XXXX originally from XXXX XXXX that has been serviced by Seterus, Inc ( Formerly XXXX Lender ) that has never been late ( account was always in good standing ), but since XXXX XXXX they have misapplied payments to all principle instead of applying to the interest installments. We have had to call every month since to attempt to correct then, and they have not been able to do so. They adjust it after several calls a month, but for the latest month ( XXXX XXXX ) they have not been able to correct it and have been very incompetent about it. Leading us into a situation where we were considered late despite making the payment on time ( actually two weeks early, including extra ). We have no escrow accounts. 
Prior to this we had issues with them and claiming we did n't have flood insurance ( when we did ), and generally a horrible experience with the company on a loan with otherwise no issues.
Product: Debt collection

I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Action Revenue Recover. Action Revenue Recover placed two collection accounts on my XXXX credit report. One account amounting to {$66.00}, and the second account amounting to {$62.00}. I have not been contacted via phone or mail regarding these debts, therefore I have no knowledge of these accounts. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the accounts in question were verified by the creditor. Action Revenue Recover did not provide any documents or evidence to verify the account, but instead XXXX kept these accounts on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of the debts, but instead of verifying the debts, XXXX reported the debts by responding with a copy of my credit report stating that the accounts in question were verified by the creditor. Again, Action Revenue Recover did not provide any documents or evidence to verify the accounts, but instead kept these accounts on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

The following account is inaccurate please delete all the negative accounts listed below : Also I'm not using or helping credit repair company I received some email from the XXXX bureaus saying I'm using 3rd party. No! I'm sending all letters and filling complaint on my own. I attached the letters and documents below for you to review and verify XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

XX/XX/scrub>/2021 {$230.00} this debt started with federal cash advance now they sold the debt to XXXX , XXXX XXXX XXXX XXXX Now every other day I'm getting threating phone call and text messages from the company but they haven't sent me the original copies with my signature, the forward flow agreement no nothing. please have this company to remove my information..
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give any of these companies my permission to use my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I sent XXXX an Affidavit of Truth, Bill of Particulars and Cease and Desist that was sent and delivered XXXX XXXX according to XXXX. XXXX defaulted on the Affidavit of Truth. 
XXXX has reported to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. 
They are now reporting the account as closed, charged off as bad debt ( when again the debt was never mine to begin with ) and they are still reporting a fraudulent balance. This alleged debt is not an actual debt that I owe. Also if the account has been charged off it should not still reflect a balance due, the fact that it does is fraudulent. 
XXXX has still failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. XXXX has yet to produce an Insurance audit trail, a money audit trail in accordance with XXXX, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. XXXX was sent a Conditional Acceptance which was delivered and left with an individual of the company XX/XX/2021 which they have failed to respond to with in the given timeframe. 
As a result of these documents being sent to restore my financial reputation, XXXX not only reportedly raised the APR on the loan to an outrageous amount but now are reporting false and fraudulent information that comprises my financial reputation which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ). 
I will state again pursuant to 12-1641, as XXXX has failed to resolve my concerns within sixty days this alleged debt must be discharged.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX Accounts : XXXX XXXX XXXX Opened XX/XX/XXXX. {$300.00} XXXX XXXX. Account number XXXX. Date opened. XX/XX/XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX. Account number XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX # XXXX {$940.00} ( XXXX XXXX XXXX ) Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent addresses and accounts. I do not recognize the aforementioned addresses and accounts as reported. The aforementioned addresses and accounts appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses and accounts are the result of identity theft and fraud. Enclosed Police Report with the fraud accounts listed.
Product: Debt collection

On XX/XX/2021 MCM bank contacted my husband and gave personal information such as account number, amount owed dated of specific transaction. Although I have taken care of the debt I believe this is not legal to do.
Product: Debt collection

In XXXX of 2017 I visited an urgent care facility for a very abrupt illness. My insurance paid a drastically lower amount to the facility. In the explanation of benefits it states that I can not be charged the difference. The ending balance statement says beneficiary responsibility is {$0.00}. I spoke with the medical facility and they stated they already sold the debt and they could not do anything. I spoke to the collection agency that ignored me and asked for a payment plan. All credit agencies successfully disputed the claim except for XXXX. XXXX has told me repeatedly that the collection agency said I owe them and that was all they could do. I have sent the Explanation of Benefits to all parties involved a total of 4 times in the last 365 days and roughly 6 times the two years prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. These INQUIRYS are fraudulently on my credit report. Please send me verification I authorized these : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions. Also the Credit Bureaus took more 30 days to complete my investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear Credit Bureaus : I am requesting XXXX inquiries are removed from my credit report : # XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Regarding XXXX ticket # XXXX : Addresses where I have lived : XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Occupation : XXXX XXXX XXXX XXXX XXXX  My credit report must be accurate because it has an impact on my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced this loan on my primary home in XX/XX/XXXX. Payment # 1 was Due XX/XX/XXXX. I made payment # 1 on XX/XX/XXXX ( to XXXX XXXX, the originating lender ). On or around that date the loan was transferred to Amerihome. Once I made XXXX payment it was applied to XXXX and I have been in accurately reported late to the credit bureaus. 

Please find proof of my XXXX payment ACH ConfirmationXXXX Inbox x XXXX XXXX XXXX   XXXX Thu, XX/XX/XXXX, XXXX XXXX  to XXXX ACH Confirmation XXXX This is your confirmation for the ACH Debit set to occur on XX/XX/XXXX in the amount of : XXXX Your Confirmation Number is : XXXX If you have any questions related to this transaction, please let us know and will be happy to assist you. 

Thank you for choosing XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST LOGIN FOR FIRST TIME DOWN PAGE AND SEE THERE IS UNAUTORIZED HARD INQUIRY LEFT BY XXXX XXXX, I DON'T HAVE ACCOUNT WITH THEM OR APPLY FOR CREDIT THROUGH
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 15 USC SECTION 604 SECTION2 IT STATES I HAVE RIGHTS THE RIGHT TO PRIVACY IT ALSO STATES THAT AS A CUSTOMER REPORTING AGENCY VIALATED MY RIGHTS AND CANNNOT FILE AND PLEASE DELETES OFF MY CREDIT IN A TIMELY MANNER THANK YOU
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 XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting XXXX different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting 2 different high credit amounts {$7000.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the XXXX that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with XXXX to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX  because of my spouse death. before his passing we were never late. The bill was paid in full by the state of Financial Controller and cleared. Hopefully that should come off my credit in a timely manner. I have tried XXXX boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.
Product: Credit reporting

I filed chapter XXXX non asset bankruptcy in 2013 and some creditors still remain in my credit history as negative when should not be there. I have written letters and still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has received a total of XXXX separate requests to investigate a fraudulent account that is appearing on my credit report with the first request being over 1 year ago Equifax is refusing to investigate a fraudulent account with XXXX XXXX XXXX. I have sent both a police report and FTC complaint Equifax is choosing not to investigate this account although they have received approximately XXXX requests to delete this information within the last year. Equifax is intentionally choosing to not delete this fraudulent account as both other credit bureaus have removed this account. However, Equifax is choosing to not follow federal protocol and they are refusing to delete this account or investigate this account at all this has been going on since XX/XX/2021.
Product: Debt collection

XXXX - OPENED XX/XX/2021 {$480.00} THIS DEBT DOES NOT BELONG TO ME
Product: Credit card or prepaid card

I was given the opportunity to pay my WHOLE credit card prior to it being late. When I talked to the representative, she indicated that if I made the payment in full ( when asked if I can get an extension because I had funds coming that was late that was being deposited in my account ), that they would ignore showing a late payment to the credit bureaus. 

I made the WHOLE payment of over 10k as discussed, and within 3 days, they reported the late payment, thus showing a 130+ point decrease on my credit scores. 

I have attached a statement that USAA had given me to show that it was NEVER late, and that I am in good standing.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX  Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Crefit Reporting Act XXXX the accounts listed below 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. 

XXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : Auto Loan Balance on XXXX XXXX {$30000.00} Loan Amount : {$21000.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : Utility Balance on XXXX XXXX, XXXX {$610.00} Loan Amount : {$610.00} Charge off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX Collection Opened : XX/XX/XXXX Account Info : Disputed by consumer XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX {$940.00} Balance Updated XXXX XXXX Collection Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Debt Buyer : Dispute resolved-Consumer disagrees {$1300.00} Balance Updated XXXX XXXX Collection Opened : XXXX XXXX 150 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Account # XXXX NO BUSINESS INFORMATION IS ON CREDIT REPORT Account Type : Collection Account Balance : {$95.00}
Product: Debt collection

XXXX XXXX XXXX. 

Last reported XX/XX/ Open Balance : {$150.00} Account status : Open Type : Unknown Responsibility : Individual Original creditor : XXXX XXXX XXXX : XX/XX/ ( XXXX mos ) Remarks : Individual Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I opened an investigation to dispute unverified collection accounts reporting on my credit report with the TransUnion credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX ( account # XXXX ). I Mailed a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the 3 Collection. XX/XX/2020 I disputed the same3 collections with TransUnion again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from TransUnion in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that TransUnion was able to verify these accounts? contacting the cfpb to see if they can get TransUnion to do a thorough investigation and remove the 3 collection accounts if they are not verified. Thanks
Product: Payday loan, title loan, or personal loan

I applied for a secured loan at One Main Financial in XXXX OK. I have previously had a loan with this company in another state and was never denied for a loan. This loan was recommended based on my credit. They first said my student loan debt was too high. I added my husband. They then denied stating my credit score is too low. This loan is supposed to be for those with low credit scores. I believed they denied me based on my race being XXXX. They also denied my son stating his income was not high enough when he also previously had a loan with this company in another state with mo problems and his income was even lower at the time. I believe there are unfair loan practices at One Main Financial in XXXX Ok and I would like to know their rate of approval for minorities. I was seeking a XXXX to XXXX dollar loan.
Product: Credit reporting

I contacted TransUnion in 2014 regarding a student loan reports of 90-days late - although it says US Dept of Education/Direct Loan Service System on XXXX late reports, the DOE stated that it was not from them, rather another entity ( some prior loan servicer XXXX, out of NY state ), that they no longer use. Presently and when reported, XXXX/XXXX was/is handling my loan servicing. I asked them for help and they were not able to provide any further assistance either. 
The credit bureaus will NOT remove, even though there is no evidence regarding this report or incident. I was never served with any notes about late payments either ( which I never had, as my loans were under forbearance or in-school deferment, per the DOEs policies. ) Also, these loans are marked as closed, which they are n't and were n't. I never had my loans serviced by this entity either. Again, there are XXXX ( XXXX ) reports that are inaccurate. 
XXXX had this same dispute with them, and have removed it - confirmation is attached.