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

**Consumer Name : ** XXXX, XXXX XXXX Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** To Equifax, This is an XXXX CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint.

The fraudulent accounts, which must be eradicated without hesitation, are : XXXXXXXXXXXX XXXX {$900.00}, XXXX XXXX XXXXXXXX {$3100.00}. The following inquires are not authorized Ally Financial ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my FICO credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. 

Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. 

Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Equifax fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. 

This is a final directive, not a request.
Product: Checking or savings account

XXXX XXXX took over XXXX XXXX dollars out of my daughter and I account without authorization. We received no letters about this.
Product: Credit card

A credit card was opened with my name and social security number. The credit card company is Synchrony Bank, also known as a Wal-Mart credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to get a loan for a car on XX/XX/XXXX and the car dealership told me that I owe XXXX $ to a furniture company in XXXX. They also told me that there are multiple accounts open in other states, also " XXXX XXXX XXXX XXXX '' a debt collection agency in XXXX XXXX, XXXX XXXX keeps calling me and family members in trying to collect money for furniture I didn't buy in XXXX. I fear my identity is being taken and this is effecting my credit score and I can't buy anything at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past which was a joint account with my wife. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.
Product: Mortgage

Amount {$1300.00} I'm a XXXX Veteran that has Never been late on a payment, then I experienced a Financial Hardship because my XXXX XXXX XXXX, which I must have for my XXXX, needed repair. This has caused me to fall behind each month while they continue to Call and send Harrassing Letters. I explained the issue and asked if I could Skip/Delay 1 month payment. 

They stated I must submit Paperwork like when I first applied with them, bank statements, credit check, tax returns, W2 forms, have my home Re-Appraised, etc. which is a XXXX XXXX for XXXX XXXX XXXX and even require a Credit check on whoever lives in the house and are Not even on the mortgage. Because of a hardship after making repairs to my XXXX XXXX XXXX and there isnt ANY damage to the home they require my home to be Re-Appraised because of this Vehicle financial hardship?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  did stand-by cash for XXXX and did auto pay with them payment wasn't due yet I paid in full before due date but they reported to eqiufax that I still had a outstanding balance of the XXXX that I owe 100 % and that XXXX was paid on the loan still in my credit report with credit bureau but on Bank state ment says paid in good standing they reported this to credit bureau before due date plus I had auto pay set -up was never taken out of my account so when they reported it before due date as not paid it dropped my credit score XXXX points tried fixing with everyone but getting nothing in compliance I have to wait now to get results I file dispute with credit company all I got was someone that verily could talk XXXX and couldn't understand they problems properly as this was Bank mistake not mine I'm writing this so it doesn't happen to someone else and I want it to change credit bureaus that don't care about your score or how much they decreased it.
Product: Student loan

The issue I am having is with Citibank/XXXX XXXX, the current servicer of a student loan I have originally taken out with Citibank in XX/XX/XXXX for the amount of {$40000.00}. The loan has always had a fixed interest rate of 3.75 % until it got transferred to XXXX XXXX where the original conditions of the loan were changed without noticed. It is now a variable rate of 4 %. 

XXXX XXXX/Citibank are not able to provide any documents previously handled by Citibank like promissory notes, loan conditions at the time etc. I have called XXXX multiple times to request previous records and they tell me I need to call Citibank. When I call Citibank they ca n't provide any information for me either. Since they are unable to provide any records it is hard for me to explain that a fixed rate became variable without my consent. 
I have been repaying the loan since XX/XX/XXXX and loan balance is currently at {$40000.00} and there is no clear explanation of how much of each payment is going towards what. 

Please let me know and I will send more information specific to the loan and my identity.
Product: Debt collection

XXXX XXXX XX/XX/year>2024 Re : XXXX To : Credit collection services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX. I am responding to your communication about a debt youre trying to collect. You contacted me by Mail and identified the debt of {$120.00}. Please send the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed Details about the age and amount of the debt including a copy of the last billing statement from the original creditor A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest The date the original creditor claims this debt became delinquent Whether this debt is within the statute of limitations and how that was determined Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

My student loan was transferred over to the student loan servicer Aidvantage. My first payment was due in mid XX/XX/XXXX. I entered my banking information, assured all information was corrected, and submitted my first payment which was accepted using that banking information. I then set up an auto-payment to reoccur monthly. The follow month in XX/XX/XXXX I logged onto my account to check and found that I had a past-due payment as the auto-pay that I had set up ( and received a confirmation email for ) had not gone through. I made the payment and again re-set up the auto pay, I received another email confirmation. I contacted Aidvantage via email to assure I was set up correctly for the auto-pay, I never received any response or acknowledgement of my contact attempt. In early XX/XX/XXXX I again found that my auto-pay did not go through, despite having entered my bank account information once again, verifying all information was correct, and calling to assure that the Aidvantage representative also saw that my banking information was entered and to verify that the payment was marked as having gone through. I have logged on and once again see that my payment has been " reversed '' and I am marked as past due as my auto-pay failed to go through once again. I have called my bank and triple checked that all information is correct, there were sufficient funds in my bank every time. I have made four attempts to contact Aidvantage with the contact information on their website and I have never received any response or acknowledgement via email. I receive minimal information or assistance over the phone. I was concerned that I had maybe fallen for a scam and had signed up to a website pretending to be Aidvantage at this point, but unfortunately I have the website correct and Aidvantage is simply operating negligently and negatively impacting my credit scores despite my desperate attempts to actually make my payment and contact them. Most recently I have attempted to contact them via telephone today and there is an automated message stating there Are no AidVantage resources available, please call back later and the call is terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the security alert. ( Fraud Alert ). I need to buy a car but there is an alert on my credit report that makes me difficulty to the buy a car or open credit card. please remove this. thank you.
Product: Debt collection

Called today with the name of XXXX XXXX at XXXX at XXXX XXXX I answered they hung up I called them back and the XXXX lady started trying to get me to give my personnel info to her before i could find out who she was and who she reprrnted. She finally said halstd financial in XXXX Il. then I asked in what is in reference too and she stated it was a bout a XXXX credit card and wanted me to pay in full today. I told her to send me somethng in writin gto valid the debt and she hung up on me
Product: Debt collection

They left messages @ my home threatening legal action, & also contacted me via email stating they have evidence that funds were received/deposited & they have XXXX different ways of linking me to fraudulent activity. They also furnished my full SSN # stating they could n't find any previous fraudulent activity. The amount of the loan, and the amount it would cost me to settle to end up w/a {$0.00} balance/acc't paid status, only to charge me an extra late fee ( which would be refunded ) within 3 business days. stating it was protocol because I 'd purchased the wrong card t make the payment. The card 's being XXXX DEBIT CARD. Card 's were purchased in the amounts of $ XXXX/ {$280.00} respectfully. Apparently, once the monies were secured by them, I 've received no further contact. XXXX XXXX was the name I as given, & I have all emails between us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite

the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately : XXXX XXXXXXXX Date Opened : XXXX  Balance : {$17000.00}
Product: Debt collection

Two separate fraud accounts were sent to collections under my name both by LVNV LLC FUNDING
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Mortgage

I paid on XX/XX/XXXX the amount {$270.00} to pay off the escrow shortage to lower my XX/XX/XXXX mortgage from {$2100.00} to XXXX. On XX/XX/XXXX, I receive the statement from Planet Home Lending LLC, my mortgage servicer, stating that I still have to pay {$2100.00}. They did not change my mortgage or applied the escrow shortage to my XXXX bill. This also happened last year when I again paid the escrow shortage ahead of this year 's mortgage. Planet Home Lending LLC does not apparently communicate issues to consumers through email, but only phone call. Planet Home Lending is not customer friendly and should not be any capacity to be a mortgage service at all. Other consumers also have made complaints on social media on how bad their service is.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX in XXXX, TX. To begin with, they sold me the 'wrong ' car. They filled out all the paperwork and went through the credit process and took my down payment, for the wrong car. They had me go through hours of hoops to now return this other car, so they may sell me the correct car. Not only did they tell me one price on the first set of paperwork, they came back with two different prices on th.e next set of paperwork. The amount changed several times over the course of the sale. Now, I have a higher interest rate, due to the fact I had an auto loan on my credit FOR A CAR I NEVER OWNED ( they one they sold me by mistake ) They also told me that the car I was purchasing had a clutch recall. After the sale was complete, their story changed, and they said the clutch was not under recall. I drove it off the lot and within days had to return it for the terrible alignment, and to have the off centered steering wheel - centered. The steering wheel was clearly offset / turned/set incorrectly, and the car was badly pulling to the left. The car also made a continuous burning rubber smell. They took it in and 'aligned ' it. The mechanic told my brother and me that the steering wheel just couldn't be centered on this vehicle due to something wrong with the front end, so it was offset to the left - whatever - i needed a vehicle. I drive it for about a week after that and notice that the headlights turn off / cut completely out when I roll/put the window down ( depressing the power window switch ). EVERY TIME I put the driver window down, the headlights went out. I called XXXX twice about this issue and the broken plastic pieces/arm rests, and door panels. NO ONE EVER CALLED ME BACK. Now, I have this XXXX with a permanently offset steering wheel, pulling to the left, and serious electrical issues. 
I drove the car for about two months, have made two payments, and last week the clutch 'went out'/the car broke down on XXXX XXXX around XXXX XXXX, leaving me stranded, unsafely on the shoulder. I have called XXXX twice in the last week, and have been ignored, and clearly shoved off about the matter. I tried to have them tow it, and use the roadside assistance that i pay for, but they continue to tell me that i need to be at the car and then call them back. NO ONE will help me. Now it is sitting in a tow yard/lot and I am being harassed about the vehicle sitting there and being billed for it. The car has a XXXX-mile warranty, and I have a {$23000.00} debt to American Credit Acceptance ( bank ) on a vehicle that wont drive. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXX Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX XXXX This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B demands the eradication of any incorrect accounts from my credit report. These accounts inaccurately represent my credit activities. Compensation of {$1000.00} is warranted for each incorrect account listed on my credit file.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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
Product: Mortgage

Update : Case No. XXXX A letter I overlooked. On XXXX XXXX, XXXX, I received a letter from Senior Vice President XXXX XXXX XXXX of America 's Servicing Company. Enclosed was a XXXX page document at the very end of about XXXX pages. It is called Net Present Value ( NPV ) input Data Values. When you look at lines XXXX to line XXXX, XXXX XXXX does not even acknowledge that I had a HAMP Modification. Of course we all know that 's not true. In a communication from XXXX XXXX dated XXXX XXXX, XXXX, she and Attorney XXXX XXXX, plotted a scam to relieve me of my incentives. I was accused of missing three ( 3 ) payments. And sick and medicated as I was, I believed it. And of course the attorney watching my back would never lie and/ or cut my throat. XXXX XXXX did the closing on my house. The Deed to my house is missing. On line XXXX, Capitalized UPB Amount. That is the exact Principal Balance around XXXX XXXX. It is the exact time that my XXXX XXXX Mortgage payment was mysteriously cancelled from my personal checking account at XXXX XXXX. On my XXXX XXXX, XXXX ASC Mortgage it was the exact time that a negative $ XXXX disappeared, never to be seen again. On my ASC Mortgage Statements from XX/XX/XXXX-XX/XX/XXXX npayments reversal and unapplied mortgage payments are the norm. I have never missed payments on my mortgage until now, and that 's because I do n't even know where I stand as far as this house is concerned. America 's Servicing destroyed my credit. Took the laughter out of my life. Forced me to isolate myself from shame. I was bullied and harassed by the entire ASC Mortgage Preservation team for over 3 years. Maybe it can stop now. I have more to tell. I need sleep right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit card

On XX/XX/year>, a fraudulent charge of {$9000.00} was made on my Citibank credit card ending in XXXX to a merchant named XXXX, XXXX. After noticing the charge, I immediately contacted Citibank to dispute the transaction, believing it to be fraudulent. Despite my efforts to dispute the charge, Citibank denied my dispute based on the claim that too much time had passed. However, the charge was made to a company that has since been confirmed to have operated a Ponzi scheme, as stated by the SEC and a XXXX XXXX XXXX. 



I have received a victim notification from the FBI, confirming my status as a victim of fraud. Despite my attempts to resolve the issue, Citibank has failed to adequately address my dispute, and I am requesting their assistance in reopening the dispute and issuing a credit for the fraudulent charge. 



The Citi statement showing the {$9000.00} charge is attached as Exhibit F. Citibanks actions and failure to investigate this matter have caused undue financial stress and confusion.