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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :XX/XX/XXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

Yes I am XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been stolen from by my wife 's sister XXXX XXXX of XXXX and XXXX Missouri she stole our identitis turns out couple decades ago for reason of trust fund in my name and information My Treasury direct account in my social security number XXXX XXXX XXXX her sister has spent alot of our money and assets impersonating us and we want her AREESTED there is proof online her sister had XXXX money and now XXXX. XXXX XXXX net worth and record 's gives long list of her crimes and also XXXX XXXX XXXX XXXX XXXXXXXX XXXX net worth and XXXX XXXX My wife net worth. It's All there online for her arrest because My wife and I are just now getting information about her despicable crimes against us. Our only address is XXXX XXXX XXXX XXXX XXXX XXXX  Missouri XXXX our only email is XXXX our only phone number is XXXX XXXX XXXX .. we want our legal trust fund and assets my social security number is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed numerous times to all 3 bureaus for my auto loan with XXXX XXXX Iam not responsible for this I have disputed. I did my dispute with transunion on XX/XX/2022 and it's now XX/XX/XXXX and still not completed. It needs to be removed from my credit reports asap or legal action will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  I entered into a  XXXX  month lease for a new  XXXX   XXXX   XXXX  with creditor  Mitsubishi Motors Credit of America   XXXX  MMCA  XXXX . Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent  XXXX  lease payments were paid in  XXXX  lump sum, totaling {$2400.00}, and was received by MMCA on  XXXX / XXXX / XXXX  ( see attached MMCA statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report  XXXX . The vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX . MMCA fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because MMCA 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with MMCA on  XXXX / XXXX / XXXX  a MMCA representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not MMCA ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my  credit score  due to thier fraudulence.
Product: Credit card

I have XXXX different balances on my credit card account. A low APR balance and a high APR balance. During the month of XX/XX/XXXX and XX/XX/2016, I made few payments in the total of XXXX to pay off the transaction made during since that balance are incurring payment daily. I was surprised that chase bank applied all the rest of the payment to the XXXX XXXX balance after the minimum was paid. I tried reaching out to them to get it resolve but their answer was they could n't apply that payment to the balance because it was n't included in the balance in the monthly statement. I tried to be reasonable and tell them according to the law, they should apply any remainder of my payment after the minimum balance to the highest APR balance on the account as stated in the law.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remo
ve because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 



Account : XXXX XXXX XXXX XXXX  Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX Inquiry Date : XXXX Account : XXXX XXXX - XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Account : XXXX  XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Mortgage

I opened a HELOC in XX/XX/XXXX. When I got the HELOC, I was told that in order to reduce my rate and get an autopay discount, I needed to enroll in autopay through a PNC checking account. When I opened the PNC checking account, I was told that there would be no fees charged for maintaining the account as long as money was being automatically deposited into the account and i was using that account for autopay for the HELOC, so I opened the checking account, started depositing {$500.00} per month into the account ( automatically from another non PNC checking account ) and when I drew on the HELOC, I setup autopay from the PNC checking account, to ensure I would get the discount on my HELOC rate. 

I noticed a {$25.00} " Monthly Service Charge '' withdrawn from my pnc checking account on XX/XX/XXXX. I reached out to PNC via their chat function on XX/XX/XXXX to ask why I was being charged this fee. I was told that the requirements for the account were changed in XXXX and that if I didn't want to be charged a monthly service charge I would have to meet certain criteria for use of the account or I could change to a different type of checking account and meet the " lesser '' criteria of that account type. However, I don't meet the criteria of either checking account type and so, I was told that I will regardless be charged a monthly service charge. 

This is completely unfair and deceptive. Part of the reason I got the HELOC with PNC was because I would get the autopay discount and was told that in order to get that discount I must setup autopay through a pnc checking account, but that I wouldn't have to pay any fees. I was never told that this could change and I would ultimately need to actually pay ( through the checking account monthly service charge ), in order to get the autopay discount. 

XXXX the chat on XX/XX/XXXX, pnc did provide a " courtesy refund '' of {$25.00}, but made clear that this is a one time courtesy and would not change anything about the maintenance fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

My family 's mobile account was also hacked on XXXX XXXX, 2017 causing all our devices to be locked out from our access. This took 4 days to resolve and we had to cancel all credit cards that were tied to the account. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated a minimum of {$250.00} for their negligence and that something like this does not occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Finance company are false reprting informstion on my credit report. This is the second time and as you can see from my credit report I havent made any payments late. I recently spoke to an associate by the name of XXXX  and he had a very unprofessional attitude and immediately after I got off the phone my vredit score reported something negative.

I have proof of my payment history and also me not having any late payments but all of a sudden after I contact tbem for a payoff on the vehicle this happens.

I kmow that thid is related to my telephone conversation because I received an email alert this morning pertaining to a late payment.
Product: Credit reporting or other personal consumer reports

I have filed disputes with Equifax for all fraudulent charges but need to for transunion and experian as well. My information was stolen and my credit has been wrecked. 
FTC REPORT XXXX
Product: Credit card

I contacted Capital One about a dispute. They denied me the dispute even though I showed them concrete proof that I was scammed! They told me I only had 60 days to get help, after that I am out of luck and on my own!
Product: Debt collection

My family members have been receiving calls wanting my credit card debt paid. I try to call back the number and no answer. On XX/XX/2016 Glass Mountain Capital LLC sent an envelope to my mothers house asking for the debt to paid on my XXXX card. In this envelope they had numerous papers with all of my family members phone numbers, addresses, and social security numbers. There was also no XXXX bill in the paper work only a XXXX one. Both of these cards have been paid off years ago. 

They have no proof, yet requesting money and harassing my family. Along, with obtaining sensitive information.
Product: Student loan

I am making my payments on time as they are scheduled monthly. However, over the last 6 months I keep getting told that my account is past due. I have been working with a manager named XXXX XXXX? ) to rectify this and she continuously tells me just pay this amount and the account will be current, the reason you are past due is because your payments are debiting after the due date so if you just pay ahead then it wont be that way. I have done this at least XXXX times now, however the issue persists. I have reached out for help almost a week ago now and have not heard back. I contacted my states ombudsman for student loans and they instructed me that this issue would be better resolved here.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made an identity report with the federal trade commision in regards to inquiries that have been reporting on my credit report that are not associated with any accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

the 3 credit reporting agencies must delete at once XXXX XXXX and XXXX XXXX XXXX lines for inaccurate credit reporting continuing to report accounts that they have discontinue to collection and has canceled with a 1099c the proof is in the 1099c box 6 Code G. Code GDecision or policy to discontinue collection. Code G is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. to report a debt that has a balance and is in collections after they have canceled the debt is false reporting of an debt on they owed choice by filing the 1099c with a code G stops all collections and the stats that there is no more debt the proof is enclosed the 1099C box 6 is proof they canceled the debt and stop all collections
Product: Checking or savings account

Hi, this is a continuance of XXXX complaint date XXXX OPEN with BOA ( Bank of America ) . Not only I did not receive a letter as promised to with reference number this fraudulent account is closed. On XX/XX/XXXX, I have another solicitation to open an XXXX XXXX Banking account with you! Please do not sent me any solicitation. I thought when you opt out this mean, credit cards and all banking products. I do not know what trigger this! But it ODD this letter is different ( exhibit # 1 ) it has my complete name I use, and the other letter has an old name I used on complaint XXXX. I said it before, I had a loan using this old information. Now I'm believing BOA open this fraudulent account on me. 

On XX/XX/XXXX, I put a credit freeze and all fraud alerts on all credit reports. Years ago, opted out indefinity on solicitations. I do not want any of BOA products or service. I can do my own the solicitation. 

see confirmation : Dear XXXX, We received your Credit Freeze request and a freeze is now in place on your XXXX credit report. It will stay in place until you request its removal. 

Freeze Explanation : A credit freeze prevents lenders from checking your credit report in order to open a new account. A freeze may also prevent your information from being released for other inquiries, such as an employment or a rental application. Federal law allows certain transactions such as those for insurance purposes to continue even while a credit freeze is in place, and you should continue to monitor your credit. If you have a freeze on your credit report, you will need to remove it before you apply for credit. 

fraud confirmation : Dear XXXX, We've added an initial fraud alert to your XXXX credit report. 

Your fraud alert will stay on your credit report for one year and expires on XX/XX/2023. If you want to extend it or update your phone number log in to edit your fraud alert at any time. 

We'll let XXXX and XXXX know that you've placed this alert so they can also place fraud alerts on the credit reports you have with them. 

For more information about fraud alerts see our FAQ. 

Under the Fair Credit Reporting Ace ( FCRA ) you have specific rights when you are, or believe you are, the victim of identity theft. For more information, please view the Fraud Victims ' Bill of Rights. 

Under federal law, you are entitled to request one free copy of your credit report within the next 12 months. Please log in at XXXX and from the Fraud Alert status page, select the option to request your credit report. 

Sincerely, Your XXXX Support Team
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Product: Student loan

I previously got a loan with XXXX XXXX who was switched yo Navient. My loans have increased tremendously and I can not afford to repay. I do not have an option to decrease my monthly payments. This is not what I signed for
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 to 3 months I've been shopping for a car. They are running my credit multiple times with the lenders. They are using the same companies usually. They are denying me credit because I have to many credit inquiries. I've disputed the credit report with the agency. They didn't change anything. XXXX XXXX, XXXX They said that everything remains. This was XXXX. I've been denied credit because of this. They will not lump the credit inquiries together from the same company. They have them all listed individually. All XXXX credit bureaus have said that this is just how it is. There are now XXXX inquiries. Ally auto has been ran twice in 1 day. Three times in 1 day for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or wholly updated : XXXX XXXX XXXX XXXX XXXX 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: Mortgage

See below , as sent to EMC Mortgage:
  
XX/XX/XXXX
 VIA FACSIMILE AND FIRST CLASS MAIL
 EMC Mortgage Corporation
 Attn: Payoff Department
 XXXX XXXX XXXX
 Re: Loan # XXXX
  
 Dear Sir or Madam,
 Please note that on XX/XX/XXXX, I forwarded a check in the amount of $XXXX representing payment in full of the above referenced loan based upon the payoff , agreed upon by myself and EMC's Loss Mitigation Department, of $XXXX issued on XX/XX/XXXX plus XXXX days per diem of $XXXX.
 On the date of my closing, I was informed by the Town of XXXX VT that payment was received on XX/XX/XXXX for delinquent real estate taxes for the year XX/XX/XXXX in the amount of $XXXX and payment in full of the XX/XX/XXXX-XX/XX/XXXX taxes in the amount of $XXXX. Taxes were not due to the Town until XX/XX/XXXX. My closing and subsequent payoff of my mortgage took place on XX/XX/XXXX. I was only responsible for a portion of the XX/XX/XXXX-XX/XX/XXXX taxes, as the buyers took title XX/XX/XXXX. Therefore, I enclosed XXXX checks, in these amounts respectively, as reimbursement of these tax payments. However, pursuant to my agreement with the loan mitigation department, no further escrows were to be withheld and no payments made to the Town of XXXX on my behalf. EMC blatantly disregarded this agreement and in turn, what little proceeds I received from the sale of my home were further reduced because I had to send these amounts back to you. I do not refute the payment of the XX/XX/XXXX-XX/XX/XXXX taxes. That was a debt due and owing that would have to be paid in order to clear title. I do, however, refute the payment and subsequent repayment of the XX/XX/XXXX-XX/XX/XXXX taxes with regard to the payoff issued and agreed upon by your company. No escrow payments were listed on said payoff, which I have attached.
 Please note that through further research , it has come to my attention that EMC Mortgage in violation of Vermont Statutes Annotated Section Title 8, Chapter 73, Section 2201, which is appended hereto. According to the Vermont Department of Banking and 
 Insurance, at no time was EMC Mortgage, Inc., nor XXXX., the broker who originated my loan, licensed in the State of Vermont. If this is incorrect, please provide me a copy of said license. Neither entity falls under the exemptions listed for non-licensure, and therefore both are at risk for reprimand, fines and damages in the Vermont Courts should I, or the Vermont Department of Banking and Insurance, choose to file a claim with regard to this issue. The department of banking and insurance is prepared to file a complaint on my behalf. I am requesting therefore that the XX/XX/XXXX-XX/XX/XXXX tax payment in the amount of $XXXX be refunded to me immediately . Should you disagree, please note that I will be forced to explore my legal rights as to the validity of the loan I was placed in by XXXX and EMC Mortgage. As well, I am prepared to file a complaint with Vermont Attorney General and Vermont Department of Banking and Insurance and the XXXX.
  
 Please do not hesitate to contact me should you have any questions at XXXX.
 Sincerely,
  
 XXXX
 Paralegal
Product: Debt collection

First Financial Asset Mgmt. Inc. ( FFAM ), a collection agency, on behalf of XXXX keeps sending me debt collection notices and keeps calling me for {$51.00} that I have never charged. I have provided them with written explanation and showed them the status of my account with XXXX that clearly shows that I do not owe them anything. I have not sought any services from XXXX in XXXX. For XXXX, I have paid XXXX {$3000.00}, my full out of pocket contribution and my insurance company has paid the rest ( over {$30000.00} ). Thus, I do not have any outstanding balance from XXXX. In addition, I have never received any invoices from XXXX for {$51.00}. As of today, my account in XXXX 's systems shows {$0.00} balance and in excellent standing. I have requested both XXXX and FFAM to provide me the details of their claim and they have failed to do so. I have informed both XXXX and FFAM, that if there were any outstanding balance from XXXX, they should present the claims to my insurance company and they would pay for it as I have already paid out of pocket maximum of {$3000.00} that I am obligated to do.
Product: Checking or savings account

I sent {$1.00} to my father using XXXX and US bank disabled my online account for 48 hours with no possibility of talking to someone to address or fix. 

Refusing access to funds