23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received and email from XXXX  on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX  Date Generated : XX/XX/2018. I have never lived in XXXX nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.
Product: Debt collection

In XX/XX/XXXX three luxury cars were purchased without my consent, using my information as well as falsified documents. I reported the incident to the original lender and ( at personal expense ) had the vehicles that were purchased using my information returned to the dealership from which they were purchased on a flat bed truck. I explained the situation to the dealership owner and numerous staff members, none of whom assisted me. I filed a police report with the XXXX Police Department Economic Crimes Unit. I answered countless questions and spent hours on the phone talking to these banks daily. I have disputed these debts numerous times with all three credit bureaus and will continue to do so until the situation is resolved. One lender responded to the situation and forced the dealer to buy back the vehicle involved in their transaction, in XX/XX/XXXX. At this point in time the lenders have recovered the two remaining cars and have sold them at auction. They and their collection agencies have been harassing me since XX/XX/XXXX. I have made every attempt within reason to cooperate with the lenders, but the fact remains that the lenders continue to make my life difficult. Not only has this incident ruined my credit, but I have spent countless hours on phone calls that happen, at all hours of the day. I have gotten calls as early as XXXX and as late as XXXX. The lenders ( XXXX XXXX XXXX XXXX XXXXXXXX in particular ) have searched my XXXX  account, contacted me at work, spoken to my employees, and even to my clients. Not to be outdone, XXXX XXXX 's collection agency has not been any better. They recently somehow found out I was working as a XXXX  at a local XXXX XXXX XXXX and called the store, asking one of my employees, an XXXX year old girl, if she knew anything about the situation. I was SHOCKED. On my most recent conversation with XXXX XXXX 's collection agency, after being harassed for nearly two years, I explained my story once again, I explain the financial difficulty identity theft has put me through and I asked if, in the interest of putting this behind me and removing the stain from my credit report so that I could afford to go to XXXX  school, they would consider removing this debt from my name if I gave the the little money I did have saved as payment in full for the fraudulent debt, along with my tax returns, the police report information I filed, and bank account statements to validate my story to them. I was told that I would hear back from the representative the following day. I received a phone call from a man who claimed to be his manager about an hour later cursing at me and telling me that he was sure based upon the searches they had done about me online they believe I can and should afford to pay much more than that. He actually had the audacity to suggest that I would somehow go to jail for not paying them in full that day.
Product: Mortgage

My FHA loan has been serviced by XXXX different companies, XXXX XXXX XXXX, Mr. Cooper XXXX and now currently serviced by XXXX Mortgage. The principal balance on my loan at the time it was transferred to Mr. Cooper was approx. XXXX. The first monthly statement from Mr. Cooper showed the principal balance of XXXX. Then when it transferred to XXXX the principal balance showed XXXX. I think there is a major problem somewhere with the principal balance and Mr. Cooper potentially made mistakes possibly intentional. The interest rate when I originally got this loan I thought was 3.75 % and was supposed to be fixed through the entire XXXX  years. If you notice on the statements I have attached you will see they constantly change. Currently they are at 3.1 %. I do not understand all of the loan information and Mr. Cooper and XXXX move things around so much it is very hard to keep track of what is happening. My mortgage payments back in XXXX were as low as {$1600.00} and now here I am in XXXX with a XXXX XXXX monthly mortgage payment. Can someone please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX XXXX XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax Address : Not Listed
Product: Debt collection

Continued attempts to collect debt not owed. This collection was originally removed and reinserted without my knowledge with an amount of {$510.00}.
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To whom it XXXX concern, On a recent review of my credit report, I discovered your company, Portfolio Recovery Associates is reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Portfolio Recovery Associates cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office, and the XXXX XXXX  XXXX.
Product: Credit card

There is a known navy federal scam going around, where the scammers will spoof the navy federal number and trick navy fed users into making large money transfers, well I got scammed by this on my credit card. When I filed a claim with navy federal it got denied due to lack of evidence, the evidence should have been the KNOWN scam and the insane amount of transfers and transactions in the span of a week and all the unusual activity, but I got nothing from them and Ive used them since XXXX  and its horrible how they cant even help me in any way.
Product: Student loan

All of my original loans for XXXX school were obtained under the FFEL loan program. When completing my XXXX XXXX, the Public Service Loan Forgiveness program became available. I began repayment in XX/XX/XXXX under the impression from Great Lakes that I would qualify for PSLF, so I make career plans to work in XXXX in an academic setting,  balancing the lower pay with the opportunity for forgiveness. I contacted Great Lakes annually for Income Based Repayment ( which then became Income Driven Repayment ) qualification, a requirement for loan forgiveness, each year confirming that my loans would qualify for PSLF and I received confirmation each year from Great Lakes that my loans would qualify. Unknown to me, the federal requirements for PSLF changed in XX/XX/XXXX to require all loans to be Direct and serviced by XXXX XXXX. Had Great Lakes let me know I would have consolidated my loans in XX/XX/XXXX and completed payments. Instead, working under the impression given me by Great Lakes that my loan payments qualified for PSLF, I continued making monthly payments. This spring I checked in again with Great Lakes knowing my 120 payments would be complete soon after 10 years of payments. For the first time in 9 years of yearly checking with Great Lakes I was informed that none of my loans qualify and I am left having made minimal payments on my loans under Income Driven Repayment, accruing increased interest and leaving me with 6 more years of loan repayment, and no hope of loan forgiveness. I love my job but my financial plans are turned upside down because of the repeated and consistently bad advice I received from Great  Lakes. I have no way to know if the bad advice I received was intentional or simply benign neglect, but there is no doubt that Great Lakes received more income due to my intelligibility for forgiveness than if they had give me the information i needed to stay on track for forgiveness. I now have {$100000.00} in remaining payments that I never expected to pay.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

Last year I filed for enforcement of XXXX XXXX XXXX ( over XXXX ) which was never paid. In XXXX, the first and subsequent payments are put on a XXXX prepaid debit card. Since receiving the first payment in XX/XX/XXXX, I noticed missing funds as if theyd never been deposited onto the card or only partial payments. XXXX claims thats exactly what they received and nothing is amiss. Just youll have to work that out with XXXX XXXX we just get what we get. That was in XX/XX/XXXX and I have confirmed the amounts with XXXX XXXX XXXXt several times over past few months. 

Below are dates and amounts in dispute : Edited to add there are a few more but I keep running out of time to write while I am working through the statements from both parties. 

Payment dates/amounts from XXXX XXXX : XX/XX/XXXX payment of {$320.00} XX/XX/XXXX payment of {$340.00} The above two payments are missing altogether. 

XX/XX/XXXX payment missing {$130.00} I am paid $ XXXX. The last payment of the month is typically over {$320.00} and XXXX shows last payment of the month as {$83.00} EVERY MONTH. So not only are the kids not getting the $ XXXX or the extra catch up funds, its always {$83.00}. Weve never even seen that number from XXXX XXXX
Product: Mortgage

My name is XXXX XXXX. I have a mortgage with regions bank via XXXX, MS Office. My loan # XXXX. I was originally with XXXX XXXX XXXX  and they retired and sold to Regions. Since that time it has become a nightmare. The XXXX office employees deletes my payments at will. I made recent payments. And I spoke to XXXX XXXX at the XXXX office XX/XX/XXXX she sent a payment ledger and added every single payment back. The office employees has selected my account to be a toy or punching bag and log in to their PC and delete my payments at will. I was working with XXXX XXXX there and she sent me a payment roster in XX/XX/XXXX showing every one of my payments they had deleted my payments so much she sent me the actual Bank payment ledger showing every payment finally got it straight. The employees there have charged me for several appraisals and no one has ever been to my home I need that money back. I pay close to 1,200.00 for mortgage monthly me and my 2 relatives. I have been tortured every since I got behind and caught up they at the office make smart remarks but that's OK the cancellation of all my payments from the PC is awful. We are trying to make the may payment and cant because they have deleted all my payments.AGAIN! It is a Regions nightmare and it needs to stop. I have begged the President to fix it he either doesn't care or lets the folks at XXXX, MS do what they like. I haven't missed a payment last year they had my payment so jacked up XXXX XXXX had added them all back she sent me a payment ledger. It showed every single payment they kept messing with my account The President moved to XXXX TN to make payment XXXX, MS cut that off by deleting about 8 of my payments, they all need to be fired actually. No employee or business owner should be able to treat an account holder like this just because I caught up they should be happy since they send me lying letters saying they are here to help. If they stop deleting my payments I will be fine. PLEASE help me I am trying to make my current payment had they have falsely moved all my other payments around got me owing over {$5000.00} guess what 2 months ago I have receipt for XXXX and XXXX payments XXXX and they are dated as such the PC wouldn't let you pay those months if they weren't correct. I need assistance and help I am just trying to pay my bills and this office of adult who are evil are torturing me and Lord knows who else.My name is XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. A tortured soul. A victim of Region Hate. their phone number is XXXX for Ms. XXXX XXXX who was the one re-adding all the payments and sent the ledger showing every single payment. This has to stop I need an immediate remedy. Please do not show my phone number or address, or last name if this is published i have enough going on at this time. I desperately need help and only you can do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

On XX/XX/XXXX, I entered into an agreement with JPMCB regarding an outstanding debt I owed on a credit card. The card was opened on XX/XX/XXXXXXXX  and closed in XX/XX/XXXX. The agreement was to settle the outstanding balance of {$3000.00} by forgiving {$1900.00} reducing the outstand amount to {$1100.00} if I fulfilled a payment plan. The payment plan was scheduled for 8 monthly payments in the amount of {$130.00} and and final payment of {$79.00}. I paid the first payment on XX/XX/XXXX in the amount of {$130.00}. I made additional payments as follows : XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$590.00} * I have filled my part of the agreement but, JPMCB refuses to update the outstanding balance to {$0.00}. I request that JPMCB be directed to update the balance with all the three major credit bureaus or have the entry removed all together. I have tried to dispute with the credit bureau but JPMCB keeps submitting false information to the bureau. 

*Paid off early
Product: Credit reporting or other personal consumer reports

Again tis is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am credit card ending XXXX XXXX customer from XX/XX/XXXX. From XX/XX/XXXX three 'security ' incidents has happened with XXXX alleging or producing wrong security checks. Along with again forced call of XX/XX/XXXX to person presenting his/her name as 'XXXX ' of their 'fraud ' department the credit card having {$18000.00} credit limit and balance {$26.00} has been cancelled! I have nothing changed on personal info. XXXX sending codes to my phone number XXXX XXXX XXXX XXXX doesn't work long time. XXXX has not accepted my XXXX phone number. I am XXXX  XXXX  and work currently in XXXX. I need the card with the same or increased limit to mail to XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX and STOP this harassment. I reach XXXX in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX never late! I have had exceptional payment history witH XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit port Equifax continues to report fraudulent information on my credit report the following account need to be removed XXXX ) XXXX 2 ) achieve personal loans I have submitted a ftc fraud report pertaining these accounts. This is Equifax blatant disregard to report accurate information and using third party research to validate debt inaccurate data
Product: Debt collection

I am being aksed to pay a debt that does not belong to me, please help.me this lady keeps disconnecting and stating she will not mail something out in the mail