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

I am writing to formally lodge a complaint against Equifax for their persistent refusal to update my credit report to reflect debts that have been legally settled. Despite court rulings and multiple attempts to submit the necessary documentation, Equifax has failed to update my account information or remove incorrect tradelines, causing ongoing damage to my credit score. 

Courts have conclusively ruled that the debts in question have been settled. I have repeatedly uploaded and submitted signed court documents verifying these settlements, yet Equifax continues to report the debts inaccurately on my credit report. This failure to update my information is causing significant harm to my credit score and my financial standing. 

XXXX refusal to accurately update my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to correct this information despite clear evidence of the debt settlements is unacceptable and warrants immediate investigation and action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  account XXXX Inaccuracies among the reported lates between the three bureaus. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I took out and repaid a loan more than two years ago. Lending Club won't stop mailing me offers for new loans. I've emailed their unsubscribe email they include on their mail offers, but that has done nothing to dissuade them. I don't want anymore loans, nor anymore mail from them.
Product: Vehicle loan or lease

I financed a vehicle through XXXX XXXX XXXX in XXXX XXXX in XX/XX/XXXX. I was making payments on time every XXXX weeks to XXXX XXXX finance until XX/XX/XXXX. XXXX XXXX XXXX XXXX sent me a letter and stated they were now taking over my loan. I never heard of such a company. In XX/XX/XXXX my car was repossessed.
Product: Debt collection

The XXXX XXXX collection account is a fraudulent account, know with JEFFERSON CAPITAL SYST collecting agency, and someone used my identity to open this account, without my permission. I've never had an account with XXXX XXXX, but I reached out to investigate this matter and to get some information from XXXX XXXX about this account and they could not locate an account in my name. This is a fraudulent account, and I would like it removed from my credit report.
Product: Mortgage

During our building process we have had a number of issues with our local office. We have communicated the issues to the mortgage company and have had little to no resolve pertaining to our issues. The difficulty and confusion that we have faced has been unacceptable. We have not been informed of issues and or lied to during our building process. Our local staff that has handled the home has been very hit or miss, mostly miss. Contractors have been able to do what they want when they want or nothing at all. The manufactured home inspection by the state has had delays and or excuses why it could not be done. I will be homeless in a few days ( XX/XX/2024 ) because I was told that we would be moving in on XX/XX/2024 and our home is yet to be inspected and or passed. The home I am currently in has new residents that will be renting it on XX/XX/XXXX. I am a veteran and a father of XXXX small children.
Product: Mortgage

I am probating the estate of my deceased sister and the house will eventually be in my name. During the process, I attempted to modify my sister 's mortgage because I will obtain ownership and did not want the house to enter into foreclosure. The loan was being serviced by XXXX and I submitted all the requested documentation to XXXX and it approved my assumption agreement on XX/XX/XXXX. I made some payments to XXXX and I signed a final assumption agreement with XXXX and returned the signed assumption to XXXX. Then, XXXX transferred the loan to Selene Finance. On, XX/XX/XXXX, Selene sent me a letter stating that my assumption is denied. I have paid a total of {$9200.00} from the period of XX/XX/XXXX to XX/XX/XXXX to XXXX/Selene. 

Every time I have called Selene it recorded all of conversations with me and my attorney and constantly assured my attorney and I that if I continued to make payments they will continue to explore whether any other plan was better for me other than the one I was approved for but to continue making the payments. However, the company lied and now denied my assumption agreement that was already approved by the prior services, took my money and made no accounting for the money, and is trying to take the house away from me. 

I faxed a letter to Selene Finance on XX/XX/XXXX requesting a written response regarding my approved assumption agreement. My attorney faxed a similar letter to Selene on XX/XX/XXXX. On XX/XX/XXXX, my attorney received a letter from Selene Finance dated, XX/XX/XXXX, which indicated that Selene is in receipt of correspondence requesting information regarding Estate of XXXX loan. The letter also indicates that Federal law requires Selene Finance LP to respond to correspondence within 30 business days of receipt. More than XXXXhirty days has passed and Selene has yet to respond in writing to my and my attorney 's letter. Again on XX/XX/XXXX my attorney sent another fax to Selene. To date, there has been no written response generated by Selene.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX with account # XXXX opened on XX/XX/2023 and a balance of {$250.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Debt collection

To Whom This May Concern : This is your warning! It has come to my attention that I, XXXX XXXX XXXX , a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of your company illegally attempting to collect an alleged debt on behalf of JPMCB CARD. Pursuant to 15 usc 1692a ( e ), you are using false, deceptive and unfair debt collection practices to attempt to illegally collect an alleged debt that you say owe in the total amount of {$10000.00}. I am declaring that I refuse to pay the alleged debt/s that you claim I owe pursuant to 15 use 1692c ( c ) & 1692b ( 2 ). Pursuant to my consumer rights under the Fair Debt Collection Practice Act 15 usc 1692c ( c ) ( d ), I am demanding that you stop all communication with me stat, as well as any person, organization and/or business in relation to me regarding this and all other alleged debts you claim I owe unless it is for the purpose of advising me, XXXX XXXX XXXX, XXXX XXXX XXXX that the illegal collection efforts of the said alleged debt/s has been terminated. Correspondence addressed to " XXXX '', or any other entity will be refused, as that is not my name.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Cap One Na, Capitol One XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

I received a voicemail from a debt collector. I called back because I have no debt and they told me they were calling about someone else 's debt. The representative 's name was " XXXX '', and she said the person with the debt was probably my mother or sister ( it was not ) and asked me to contact them. I explained there is no one in my household by that name and asked where they got my number. This is completely inappropriate and a violation of that person 's privacy. The rep hung up on me. I called back and asked again what the purpose of calling me was and how they got my number, and she hung up on me again.
Product: Vehicle loan or lease

Then problems that I have with this bank is their inefficiency to fix this horrible website. I have written them I have called them, I have complained at least 20 times about the problems getting into their website. Nothing works, passwords do not work, security questions they ask to be answered are not questions you ask to be answered. Then they give you 2 times to make a mistake and if you do not get it right, they suspend you. They throw you out of the site. This has been going on for more than 2 years. I deal with over 10 other banks and large corp, PNC Bank is the worse company I have ever dealt with and, they know who I am with my many complaints. Will they correct it? No, they will not correct it. I have asked them many times, Is the head of your IT dept a relative of the CEO? Why can you not get this right? It is a problem signing into their sight every month and nobody does anything about it. It is easier to sign into the Treasury dept of the United States than this bank.
Product: Debt collection

I was going to write this in a written letter but seeing as how I am getting multiple first notices, I will respond through the CFPB. The reason why XXXX never received their payment for the selected dates were that I blocked XXXX from taking out of my account. All domain names were paid for the year and all other services were canceled except for XXXX website that was being paid out of my personal account until I switch everything to a new hosting service. XXXX attempted to charge my company, XXXX XXXX XXXX for over XXXX dollars and my bank will testify to this if they need to. There is no one is n't the world that could have a XXXX dollar bill with XXXX, if anything is reported on my company negatively reguarding this issue, I will sue Complete Payment Recovery Services and XXXX for illegally trying to steal money out of my account and from my company. This is the only warning, cease and desist or I will see you in court.
Product: Credit reporting or other personal consumer reports

My personal information was leaked in a data breach concerning XXXX and Experian. As per 15 U.S.C. Sec 1681i ( a ) they were required to complete an investigation regarding the inaccurate items on my credit report. In accordance with the fair credit reporting act, I requested they be removed, but it can back the next day as verified without an explanation of how it was investigated or verified.
Product: Credit card

My credit card account is a High amount right now I cant pay it off in time I need help with it it is around XXXXXXXX XXXX I need help removing it
Product: Credit card or prepaid card

Since the first of the year for 2022, I was not working. My husband is a XXXX veteran. I did not start working till XX/XX/2022 for a temp agency ( which I am currently still working for ). I contacted USAA to let them know I had just started back working and we had exhausted all our means of funding ( including 401k ) to keep our bills afloat. I called them, to see if they could lower my monthly bill. My other credit cards gave me a fixed low interest rate for a few months, to help me till things got better. A representative at USAA told me they do not help or assist until your account is 3-4 months behind in payments ( which was shocking to me ). So I paid what I could during that time, and the balance continued to rise along with the minimum due. From XX/XX/2022 to XX/XX/2022 the minimum went from {$280.00} to {$1800.00}. I asked could they remove or not bill for the interest to help, all they did was cut the late fee in half to {$25.00}. It got to the point I was over my balance by {$1000.00} or more. So my husband had to go borrow off his credit card ( they gave him cash ) to pay USAA to help me get the balance down some. When I finally got the card under control, then they raised the interest rate. So now my minimum has gone up. This is ridiculous!!! 
I just recently applied for a credit card with my bank to pay USAA off in full ( 0 % APR for 18 months of transfer balance ) the bank did not approve me for the full balance of XXXX. But someone at the bank accidently sent USAA {$1300.00}, so I called USAA to forewarn them, if they see the payment to NOT to accept it. They accepted it, which does not surprise me. My husband and I have been with USAA for yearssss. I would not recommend them to NO ONE!!! My bank is working on recouping the payment they sent in error.
Product: Checking or savings account

to whom this may concern, ive been a victim of fraud i had got my infos stole i have a police report i had account with Bank of America somebody got my login and same thing for XXXX XXXX i need to resolve this ASAP please
Product: Credit card or prepaid card

American Express advertised a 0 % interest promotion for 12 months for my existing American Express card. I went to the website indicated to sign up. 

On XX/XX/XXXX, I received confirmation by email that I was approved for the promotion : " We're writing to confirm your new promotional Annual Percentage Rate ( APR ) for eligible purchases as described below. 
Your promotional APR for purchases is 0.00 %. 
Your promotional APR is valid from XX/XX/XXXX through your billing period ending in XX/XX/XXXX. '' I went to the website to change my autopay from the full amount to the minimum payment. At the time I made the change of payment amount, the system without my knowledge also changed the payment date. A payment had been scheduled for XX/XX/XXXX, and my changing the payment amount apparently cancelled that payment. 

On XX/XX/XXXX, I got a notice of a late payment. I contacted American Express. After much discussion, they waived the fee. I made the payment manually and I thought that was the end of it. 

On XX/XX/XXXX, I saw a charge for $ XXXX in interest. I contacted American Express immediately. According to the representative, the one-day-late payment invalidated the 0 % interest promotion. 

I paid off the entire amount then and there. After more back and forth and supervisors called in, they agreed to a {$50.00} goodwill refund, but said that they would not completely reverse the interest charge and in fact they would charge " trailing interest '' on the balance that I had had from XX/XX/XXXX until XX/XX/XXXX. 

I always pay off my balance in full. It seems clear to me that this 0 % promotion was set up to sucker unwitting customers into paying interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had these accounts on my credit that I have been trying to get off and they have not been getting taken off for some reason. I got in touch whit XXXX and was told that there was no longer even a balance to the fraud account that is reporting on my credit from them and they have failed to provide me with any documents of any signed documents showing my signature with the date because the date it says the account was opened in XX/XX/XXXX I was not yet living in XX/XX/XXXXand there are no XXXX in XXXX XX/XX/XXXXwhere I moved from. Also the other fraud accounts just started reporting and I do not know how a hospital collection would even end up on a credit report because my aunt is a nurse and informs me they ask people multiple times for them to verify themselves and I dont know how someone could of got my information to use it to go to the hospital. I have the letter attached that I sent to the bureaus about this and the date for when I sent it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I've never heard from the place before, I suspected identity theft. Surprised there's a few derogatory items that I've never opened in my life. The things listed on my applications are not mine. XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, ( Original Creditor : ). I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

NCA has deceitfully supplied a bill that does not belong to me as " evidence '' that the account belongs to me. I have requested a documented level paper trail baring my signature. 

This matter is not at a conclusion with your office until I file a lawsuit. The attached bill that NCA supplied to CFPB do not support their claim that this account belongs to me. The address associated to the account ( for the document they supplied ) does not and has not ever belonged to me. You have failed to send documented level papers baring my signature that I open an account with you or any other agency/business that you represent. Furthermore, as sighted on my credit report I have been a victim of identity theft. You are reporting incorrect information on a victim! 

I demand that this erroneous and damaging file be removed from my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2018 I am being hit with a hard inquiry. I never authorized said Inquiry from XXXX. I never signed any paper or document allowing them to run my credit. I would like this removed from my file. Unless further proof can be shown. I have no knowledge of this.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021, Mariner Finance ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX ) mailed an unsolicited loan offer in my name to my address in the form of a check. All that was needed to open the loan was to sign the back of the check, include phone numbers and an email address, and cash or deposit the check. I do not know how Mariner Finance had enough information about me to make this possible. I had never interacted with this bank prior to this happening. 

Someone intercepted the letter in some way, it is unknown. They took the check, forged my signature ( not even close to my actual signature ), wrote a fake email address, and used phone numbers that were associated to me by an internet search. Two of the three numbers associated with me haven't been my phone number in over 10 years. The other was my current cell number. 

On XX/XX/2021, I received a phone call on my cell from XXXX XXXX, the XXXX XXXX branch manager, welcoming me to my new loan. I informed him that I had no idea what he was talking about and had not opened a loan with anyone. He provided me with a photocopy of the back of the check where someone had signed my name. I informed him that this was not me, asked him how they had my information and why they made it so easy for someone to open a loan in my name. He said it is up to the bank that cashes the check to get proof of identification. 

He told me if it was not me, I would need to file a police report and provide Mariner with the police report number and they would take it from there. I wanted to know the name of the bank that cashed the check so I could find out what steps they had taken to check ID. He said they could not provide that information without a police report. 

The same day, I filed a police report, providing them with all the documentation, including a print out of the forged signature and fake contact info, along with my identification with my real signature. I contacted Mariner finance the next day with my police report number as requested and waited. 

Two months went by with no action and no replies to my numerous phone calls for updates. I finally reached Mr. XXXX and he stated that Mariner Finance was now requiring me to get a physical copy of the police report and a signed affidavit from the bank that cashed the check, the one they would not disclose to me. 

I filed a report with the Better Business Bureau, and within a week, Mariner Finance contacted me to assist me with closing the account. 

I am working with Mariner Finance to get the account closed and removed as a liability, but I need help removing it from the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person XXXX XXXX ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX