23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This complaint is about XXXX XXXX XXXX, which is a business actually known as Duvera Billing Services. The Company Duvera Billing Services, had misled and misrepresented their services as I believed I had entered an agreement with XXXX XXXX XXXX. The company forced me to sign documents through a mobile electronic device, thereby making lines very hard to read and especially difficult to further review. However, they have set the interest rate on this {$2500.00} loan at 164 % and accrues daily. Not only was this business deceptive, but they are continuously getting away with the practice to harming consumers. Thousands of other individuals are suffering financially and have devastating credit scores as a result of this business fraudulent conduct. In addition to this, their agents calls and harass me from several different phone numbers, but none of which have their business XXXX XXXX neither Duvera Billing listed on callerid. This is trickery and gross harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry : Credco on XX/XX/2019 Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XX/XX/2022 XXXX XXXX  XXXX Balance : {$16000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXXXXXX  XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal posting of my credit report. Violation of my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 also states that a consumer reporting agency CAN NOT furnish my written a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING AN ACCOUNT ON MY CONSUMER CREDIT PROFILE WHICH HAS BEEN PREVIOSULY DISPUTED AND INVALIDATED. THE FURNISHERS OF THIS INFORMATION ARE ATTEMPTING REREPORT AN INVALID DATE. PLEASE FIND ATTACHED A SCREEN. PLEASE FIND ATTACHED AS EVIDENCE A SCREEN SHOT OF THE ACCOUNT IN QUESTION ON MY CREDIT REPORT WITH THE INFORMATION THAT NEEDS TO BE DELETED HIGHLIGHTED. ALSO FIND ATTACHED MY COMPLETE CREDIT REPORT FROM XXXX. ALSO FIND ATTACHED THE LETTER WRITTEN FROM ARS TO ME WITH CONFLICTING ACCOUNT NUMBERS. this is costing me a lot of money and it is a violation of my rights under the FCRA guidelines. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I HAVE NOT CONDUCTED ANY BUSINESS TRANSACTIONS WITH THE FURNISHERS OF THIS INFORMATION. DELETE IT IMMEDIATELTY. 

ARS XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$55.00} Date Updated XX/XX/2021 High Balance {$55.00}
Product: Student loan

I received a TPD XXXX  in XXXX of 2024, Mohela has not XXXX my loan. You now show it late on payment. They reported it to the credit bureaus I contacted XXXX and they stated that you have been given notice through two letters one Dated in XXXX and the other in XXXX. 

I've spend 7-8 hours on the phone and been transferred hung up on and re-routed to the same que... The treatment from Mohela is abysmal I now don't know what to do other than pay it. 

I have spent a considerable amount of time on the phone and at times I was told someone who is advanced needs to help.. then placed back in the same customer service que. 

Please Help Me!
Product: Credit reporting or other personal consumer reports

XXXX has incorrect and inaccurate information on my consumer report. For instance, they have third part collection companies as verifying information on my report. I've never done any business with XXXX XXXX, Absolute Resolutions investments, and XXXX XXXX XXXX ) as verifying information on my account. I have NEVER done business with any of those companies, neither did I authorized the original creditors to sell my information to these third party companies. I requested validation of debt from those companies over XXXX now, and I am yet to receive the requested information.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
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. 


Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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  XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, i recently check my credit via XXXX and notice that there were a few accounts on my credit profile that was done by fraud. I am a victim of identity theft. Ive reached out to the creditors regarding this advise me to reach out to the credit bureaus. I've sent mails via USPS certified back on XX/XX/2020 and i called a week ago and they told me they didn't received anything. I think this is some type of stall because the tracking number said delivered. These accounts are not mine. I have attached the FTC report and my driver license below
Product: Credit card

On XX/XX/XXXX, American Express reduced my credit limit from {$14000.00} to {$14000.00} due to a decrease in my credit score. This score drop was caused by an erroneous XXXX delinquency reported by XXXX XXXX XXXXXXXX to the credit bureaus. 

The reported delinquency from XXXX XXXX  XXXX is inaccurate. The payment in question was made on XX/XX/XXXX, which is the XXXX day after the due date of XX/XX/XXXX. As such, it should not have been reported as delinquent. This error is currently being addressed with XXXX XXXX XXXXXXXX corporate office. 

Despite my proactive efforts to resolve this issue, Amexs decision to lower my credit limit based on this temporary score drop has caused further harm to my financial standing. The reduced credit limit increases my utilization ratio, which could cause even more damage to my credit score and financial reputation.
Product: Consumer Loan

My car is financed by Sandtander consumer USA for almost 3 years so I was thinking I have 1 more year to pay off my loan which is {$20000.00}. I recently tried to trade in my car and get a new car so I called and ask them how much of my loan is left to pay off, the manager told I still owe {$20000.00} on the car even though I have paid off over {$11000.00} for close to 3 years. They said the {$11000.00} plus that I have paid so far was all late fees
Product: Mortgage

This company has not performed any escrow analysis in over a year on this account since it purchased my loan. This has resulted in over {$15000.00} in excess funds accumulating in the escrow account that it has not returned but worse, it has not made the required tax payments with the escrowed funds. I have called five times over the past month from XX/XX/XXXX to present to have this resolved with the following responses : ( 1 ) they have put in an order for an escrow analysis to be performed, call back next week ; ( 2 ) they can not perform an escrow analysis because the taxes are due, call back next week ; ( 3 ) they will be paying the taxes and have sent an email to the tax department regarding payment of the taxes, call back next week ( 4 ) they have put in an escalated tax email and a supervisor will call within 24 hours ( 5 ) no supervisor is available and they do not have any option to speak with the tax department only send emails. 
( 6 ) they can not provide the name of the compliance officer to speak to and get the matter resolved. 

At each occurrence following my call, a small amount of funds are withdrawn from my escrow account without any report or clarity on where the money has been disbursed and my taxes remain unpaid. 

This is not the first instance of incompetency and danger to my tax payments that this company has had. In XXXXXXXX XXXX this company attempted to insist on purchasing forced placed insurance on my account after repeatedly being told and provided documentation repeatedly both from me and my insurance company that the property had insurance and no such forced placed insurance was needed. We basically had to threaten reporting them to the CFPB and the State Attorney 's General of their practice when they promptly thereafter refunded the money. Their operations are not appropriate and should be investigated. Who knows how many consumers are being defrauded or harmed by their lack of appropriate controls and processes.
Product: Credit card

Please see the attached documents. I urge the bureau to commence an investigation into these accounts, as they are erroneously reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure what happened to cause JP Morgan Chase Bank to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies XXXX XXXX and XXXX  the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with JP Morgan Chase Bank XXXX XXXX XXXX. I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$940.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-ALLY FINANCIAL ; Inquiry Date XX/XX/XXXX -XXXX XXXX XXXX  ; Inquiry Date XX/XX/XXXX -XXXX XXXXXXXX ; XXXX Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 XXXX Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to XXXX, Equifax, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.
Product: Credit card or prepaid card

I purchased 2 vacations in XXXX from a very well known and popular travel agency named XXXX XXXX XXXX, based in XXXX XXXX prior to the world shutting down for Covid. I made my initial voucher purchase and following that all my monthly installments using my BOA Credit Card. My vacations were ultimately cancelled due to the world shut down, travel being illegal to do and airlines and hotels closing. XXXX XXXX XXXX  assured all customers that once the world reopened and all travel locations were safe to resume business, my vacations would be rebooked and would take place. Of the 2 vacations I had purchased only one was rebooked after the world opened. I was to take that vacation to XXXX XXXX this XX/XX/XXXX, working with the XXXX XXXX. I received word in XX/XX/XXXX that XXXX XXXX XXXX was closing due to the monies lost from tourism shutting down and all people who booked vacations were not receiving a refund! 
Crushed dreams and a broken heart. 
I'm not wealthy to lose thousands of dollars. 
Upon advisement I was told to contact the CC company and dispute the charges to get a refund. BOA has denied me 2 times because the dates of purchase were out of the time frame to retrieve the money. This happened due to the Covid shut down and the company closing after Covid and not in my reporting past the rules... rules that can be changed due to the circumstances of Covid. 
My initial voucher I purchased was for {$500.00} on XX/XX/XXXX I then made monthly installments for {$200.00} 13 times late in XXXX and in XXXX. 
My loss on this credit card is a total of {$3200.00} I submitted all information about the CC company closing due to Covid and BOA had all the proofs of purchase in my account. I also submitted my plea letter that fell upon deaf ears and no one person willing to help me.
Product: Credit reporting or other personal consumer reports

There are numerous accounts that I dont recognize and never had business dealings with. Ive tried to remove them for several years but Exquifax keeps allowing these companies to reappear as new. Its a violation of my privacy to start with, as I do not know these companies and have never given them authority or consent to my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to charge me for an account that is not mine. I own one card which is paid off and they authorized a second one without my knowledge or consent. In addition I have already disputed it with them. They have closed account and charged me full balance on all three credit reports. They have told me over the phone it was taken care of and balance would be removed. Its been lie after lie to the point I told them to stop calling me verbally and through email. Received another call this morning on XX/XX/2020 again charging me for balance. Total amount they claim due to XXXX.
Product: Money transfer, virtual currency, or money service

My complaint is against Blackhawk, which runs the reloadit.com site. Blackhawk blocked my access to my " Reloadit Safe, '' which had {$1000.00} in it when they locked me out of it in late 2015. I have contacted Blackhawk through their XXXX number at least 6 different times, and each time they claim I will have my money within 3-5 business days and provide a " case number '' that begins XXXX with 7 digits after. Last 2 I have ( beginning with today 's ) are XXXX and XXXX. 

My account number for the reloadit.com site is same as my email. XXXX I need my {$1000.00} back immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account as open and active when it clearly shows terminated. I believe this is because Experian is retaliating.
Product: Student loan

I've applied to the income driven repayment plan over a month ago. I was told it would take two business weeks to process my application. There has been no movement with my application and student loan interest starts in a few days. Edfinancial does not respond to their email feature on their website in their phone lines consistently have a wait time of 400+ minutes. 

When I do get through, I'm told that I just need to wait longer. There has been no escalation or progress. The department of education can do nothing because this is up to the servicer.
Product: Credit reporting or other personal consumer reports

I talked to Equifax and XXXX and I was told their credit scores aren't reported the same as XXXX which are XXXX XXXX XXXX. My issue is their reporting I have very bad credit their reporting under XXXX. No collections late charges or bankruptcies.
Product: Consumer Loan

XX/XX/2015 I bough a XXXX XXXX. I received information to start making payments to Suntrust Bank. I made my payments on time with Suntrust and then I received a letter from XXXX stating that my loan was paid and I would receive title to car in the mail. I received the title in the mail. I called Suntrust to make my payment and I was told that account was closed. I kept trying to make payment to Suntrust and was not able to. I then received a late notice in the mail from Suntrust. I then pulled my contract with XXXX and realized that my XXXX was to be financed with XXXX, not Suntrust Bank. I then proceeded to take letter and title to XXXX to have problem fixed. This was then reported on my credit. The general manager stated that I owned the XXXX and that for me to fix my credit I needed to trade the vechicle in and they would pay off my trade in. I then was financed with a XXXX XXXX pick up truck. 2 months later, I receive a nasty email from the XXXX XXXX stating that they wanted my truck back. They then repocessed my truck at my wife 's job. I was then given back the XXXX and now Suntrust bank wants to repocess the XXXX because payments were not made on the XXXX. I have tried explaining to Suntrust the situation and they will not do anything about it. They are going to take the XXXX back. I feel that this error is with XXXX and they need to fix their mistake. I can not afford to obtain an attorney. I feel that XXXX has committed fraud. I have all documents showing that the contract that I signed is with XXXX, not Suntrust bank.
Product: Credit reporting or other personal consumer reports

I am reaching out to contest the presence of this bankruptcy on my credit report. This issue is deeply troubling, especially considering I have a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party only exacerbates the absurdity of this situation.
Product: Mortgage

I have been trying and working with Pentagon Credit Union for the past few months, and I even contacted them through the lawyer who closed my mortgage with PenFed when I refinanced it. They say the made a mistake but never reply or contact and have placed an incorrect credit report on my account causing my credit score to go down. It has been very painful and they dont seem to care