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

The following accounts were fraudulently used without my permission. and it causes me a lot of stress. I am a victim of Identity Theft!
Product: Credit card or prepaid card

I scheduled massages and facials for myself, a friend and our husbands on XXXX. I called XXXX XXXX XXXX and gave them my credit card to hold our spot. 
A week prior to our appointments my friend and her husband were unable to go ; that day I called XXXX XXXX XXXX and spoke with ( XXXX I believe ) and informed her to cancel every appointment, and except 1 facial ( for myself ). She said that was fine. 
On XX/XX/XXXX, I went to the salon by myself and had a facial. I paid for it while I was there ( approx {$150.00} ) and left. 
When I was later reviewing my statement I saw that XXXX XXXX still charged me for 4 facials and 4 massages, totaling {$810.00} on XX/XX/XXXX. 
Citi Bank has reviewed my my case and XXXX is not crediting my account. I refuse to pay for an {$800.00} charge that is not mine, I called and canceled a week prior. And I went to the spa on XX/XX/XXXX for a facial, which you can confirm on my statement. The charge for approximately {$150.00} on XX/XX/XXXX is accurate. The {$800.00} charge on XX/XX/XXXX is not accurate. 
This is a lot of money, I need someone to review. Please review camera recordings from that day? Please let me know whatever i can provide to help resolve my case.
Product: Debt collection

I received a phone call on XX/XX/XXXXregarding this debt. I attempted to offer a settlement and was bullied by XXXX XXXX. I informed her that I may be able to make a payment but was unsure. On XX/XX/XXXX, I called XXXX XXXX to inform her that I now had the needed funds and would like to make a payment. At that time she became verbally aggressive. Stating that she told me to pay a month ago. She used harsh language and her tone was much less than professional. I requested to be transferred to a supervisor and was told no. I requested again to be transferred to a supervisor, at that time XXXX XXXX said No I will not let you speak to anyone you need to make this payment in full today I asked why she was being so rude. XXXX XXXX then hung up on me. I called back and asked the person who answered the phone to speak with a supervisor. I was transferred to XXXX XXXX. Initially he refused to identify himself. He too became verbally aggressive. Im simply trying to pay my debt. I am not calling to be ridiculed or chastised by people who will not take the time to have a conversation and provide needed information. I was talked down to, yelled at, and hung up on. I have recorded all of the conversations.
Product: Credit reporting or other personal consumer reports

I had a new car loan from XXXX XXXX XXXX XXXX  Vehicle was involved in Accident I owed more on the Vehicle than the insurance paid, I kept making payments until they offered a lower payoff to satisfy the debt which I accepted, however on the Credit Report XXXX XXXX XXXX XXXX is showing that the whole loan in the amount of XXXX was written off I have asked that they remove they remove that information and they have not done so as XX/XX/2024
Product: Credit reporting

Someone opened up an account in my name that I never did I 'm only XXXX and never had an account before
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX BANK XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information on my credit report. Upon reviewing my credit report, I have noticed several old names and misspelled names that do not belong to me. I am requesting that these names be removed from my credit report immediately as they are inaccurately reflecting on my credit history. 

The incorrect names on my credit report are causing a negative impact on my credit score and are not a true representation of my creditworthiness. I have attached copies of official documents such as my driver 's license and social security card to prove my correct name and identity. 

Furthermore, I have also noticed other inaccurate information on my credit report such as incorrect account balances and fraudulent charges. I am requesting that these inaccuracies be investigated and removed from my credit report as well. 
Section 609 of the Fair Credit Reporting Act ( FCRA ) allows consumers to request all information in their credit files, including the source of that information. Section 623 of the FCRA allows consumers to request an investigation into disputed information, which can help correct errors and ensure the accuracy of their credit report.
Product: Vehicle loan or lease

I purchased a car from carvana XX/XX/XXXX and was driving the vehicle with temporary rages until XX/XX/XXXX. I filed a complaint with the attorney general inquiring about my tags and the next thing I know is I get a call from XXXX with Carvana and she said they want to pick up the vehicle because there is an issue with the title, meaning they sold me a car without getting the title. They picked up the vehicle and said I can buy another car from them but have to apply for a new loan and the terms of the new loan will be offered, not the terms of the loan when I purchased a car initially, which was XXXX down. Due to their negligence I had to purchase another car and pay {$2900.00} down payment with XXXX. Carvana refunded me the payments I made on the vehicle, which was my money I paid on a car that had registration issues all along, I was sold a car in bad faith. I also had to pay insurance on the vehicle that had registration issues all along. Id like to request compensation for the down payment I had to pay on another car due to their negligence plus reimbursement for all of my insurance payments, which they neglected to reimburse me, a total of {$1300.00} in insurance payments for a car that they took back and never offered registration for. Total compensation is {$4200.00}.
Product: Debt collection

XXXX   XXXX   XXXX  hold  XXXX  accounts from  Citibank Best B uy that were from Identity Theft by a relative of my husband. I submitted in  XXXX  Fraud Report t o Citibank B est Buy ( Original Creditor ),  XXXX  is now the owner of both debts and I am currently being sued for a balance of {$3000.00} in account #  XXXX , this debts are not mine. I provided  XXXX  another Identity Theft Report and also to  XXXX   XXXX   XXXX  their Attorney representing them on  XXXX  and also on  XXXX / XXXX / XXXX , I have contacted  XXXX   XXXX   XXXX  and fail to dispute both  Citibank B est Buy accounts. They have also not done anything to stop their legal action on the lawsuit to investigate. On  XXXX / XXXX / XXXX  I sent a request about both debts and they have not provided me with any documentation other than monthly statements.   I am a victim of Identity Theft, this debts are not mine!
Product: Mortgage

This is a continuation of Complaint XXXX, where among other things I requested that the servicer permit a partial reinstatement of the loan. I have been told that because my loan is in foreclosure, I am ineligible for a partial reinstatement. Despite this, the current servicer invited me to apply for either a partial or full reinstatement in XXXX of 2024. I ask that the servicer be required to honor its obligation, or correct the error of placing my loan in foreclosure. 

It should be pointed out that some of the issues may be because the servicing of my loan was transferred. It is not clear if the new servicer has access to, or has reviewed all of the file, or the completed loss mitigation application. 

That said, the current servicer continues to ignore that the loan should never have been referred to foreclosure. This is because before it was referred and placed in foreclosure I already submitted a complete loss mitigation application. The completed loss mitigation application was submitted on XX/XX/year> and the loan was referred to foreclosure XXXX  days later on XX/XX/year> ( per the servicer 's records as noted in your prior response ). I have previously submitted copies of the completed loss mitigation application to the servicer. 

Sending my loan for foreclosure referral represents dual tracking under Regulation Z, and is not permitted which the CFPB summarizes as follows : " Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. '' And this is exactly what happened here. 

In XXXX of 2024 I spoke with the servicer, and we went through a partial reinstatement analysis. I was initially told that the loan was eligible and that the partial reinstatement figure was {$37000.00}. As the call proceeded, however, she told me that the loan had just been referred to foreclosure and therefore it was no longer eligible. I was told that the ONLY reason my loan was ineligible for a partial reinstatement was because the loan had been referred to foreclosure. Because this is a mistake that the servicer should correct, once corrected the loan will be eligible for a partial reinstatement. 

Accordingly, I am not requesting a custom loss mitigation option, rather a partial reinstatement. A partial reinstatement is available from the investor regardless of default status as long as the loan is not in foreclosure. As noted above, the loan should not have been in foreclosure because a complete loss mitigation application had already been submitted. 

Finally, the servicer sent me a letter in XXXX of 2024 stating that I could apply for either a partial or full reinstatement. I told the servicer I again wanted a partial reinstatement. Despite being told I could request a partial reinstatement, I was only offered a full reinstatement. The servicer should be required to honor its offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the first letter was sent to the credit bureaus XXXX, Equifax, and XXXX regarding the bankruptcy that is reporting. After several letters, I still can not get the appropriate response on how this information was obtained. When I contacted the XXXX XXXX  that is on the credit reports, the XXXX XXXX  wrote back and stated that no information is EVER sent to the credit bureaus, and is unclear how they received this information. After many letters after, I still can not get the proper actions from these credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT WAS PULL WITHOUT MY CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report for the first time in years I noticed multiple accounts that I did not open or have knowledge of. I called in to the credit bureaus for help and was told to file a report and submit it with the proper identification to them.
Product: Mortgage

I have made 3 complaints now. I do get responses. In the response to my complaint they said If an account is late thirty days they assume you abandon the property and send a person to drive by. I believe my late fees were {$560.00} because I was just over 30 days. Is that legal? 
Second, they keep sending information I have a 2nd mortgage of {$36000.00} from my loan modification. It should included in the {$110000.00} balance. The invoice shows {$110000.00} on one page and then the next page with no details jumps to {$150000.00}. Even if the {$36000.00} isnt in the {$110000.00}, {$98000.00} or even $ {$100000.00} does equal {$150000.00}. 

I was told they could not lower my principal balance and that is why I wanted the upside down modification at the time Obama was offering. I have statements saying my estimated balance is {$150000.00} with the 2 mortgages together. I received their response and I am told it is {$110000.00}. That is a large difference to me. My balance was {$98000.00} to {$36000.00} equals {$130000.00}. This company is taking advantage of the lower income and I think the entire account needs gone thru line by line. What is an accounting company that would do an examination of the account to the XXXX days? I did bankruptcy in XXXX and paid every payment until XXXX when it ended. I have all the documentation from all names they have used. Can they charge me 30 day late for someone to come look and take pictures of my house. I think, its more like 90 days before they can do this. 

Is there other agencies I can send copies of my loan to to see if what is going on is legal and is my balance {$130000.00} or {$150000.00}? 

Best Regards, XXXX XXXX
Product: Debt collection

Charged-off Incorrect amount Listed twice- Balance {$0.00} and {$820.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX provided by XXXXXXXX XXXX Is participating in damaging practices that are at the very least immoral and likely illegal. This account had fallen past due, however it was paid in full multiple weeks ago. They continue to report this account as past due even though they acknowledge that there is a XXXX balance. Because of the continued past due status they also reduced the credit line by over 90 % ( From XXXX $ to XXXX $ ) further negatively impacting my credit since I now have a lower amount of total credit. They out of country call center they report to asked for far too much personal data to verify the account every time I call as well ( they want full name, address, account number, date of birth, social security number, phone number, and email address ).
Product: Debt collection

National Credit Systems is continuing to report on my credit for a debt I do not owe and the debt is past the statute of limitations in GA. They are also updating the DLA - Date of Last Activity - erroneously. That date should not update unless the consumer made a payment and I have never made toward this debt. I have been disputing this for some time with no response. 
I do not owe what they say I owe and the debt is past the statute. Someone needs to do something about them updating inaccurately and just ignoring disputes.
Product: Credit card

On XX/XX/2024 I made an online purchase of a tax software from XXXX XXXX XXXX  XXXX for {$52.00}. This purchase was posted on XX/XX/2024 by the credit card company. There are XXXX additional charges of {$52.00} on XX/XX/2024, which was posted on XX/XX/2024 by the credit card company. XXXX XXXX XXXX XXXX acknowledged the XXXX purchase I made and send me the confirmation email with the activation code. 
When I noticed the duplicate charges on my credit card statement, I contacted the credit card company and provided the information regarding the duplicate charges. Credit card company has declined to process the claim on the grounds of insufficient information. I contacted the XXXX XXXX Representatives, who were unable to provide me the details of the additional information needed and informed me that the case is closed.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> i disputed multiple accounts that were unfamiliar. It was proven i was a victim involving a data breach and all documents were provided by me with my dispute. Transunion swiftly completed an investigation and determined these accounts were indeed fraudulent amd removed the accounts. XX/XX/year> transunion re inserted onr of the accounts with no explanation other than it was verified. I sent another letter to TransUnion requesting what could possibly be on file verifying this fraudulent account to provided as i already provided proof of fraud. Which is why all XXXX bureaus deleted it. My letter was completely ignored, i received no response at all or the documents requested which violates the FCRA. Fraud was reported to the ftc as well as transunion and the company itself. I demand transunion swiftly respond AND REMOVE the account unless willing to send me the proof they used to reinsert and VERIFY as they say, this account.
Product: Mortgage

In XXXX I was a victim of Fraud. My mortgage payment comes out automatically from this account. I called the mortgage company Newrez and they assured me the payment had already been made and would not accept pmt. The money did not come out of the account. By XX/XX/XXXX the money still did not come out. I called again and attempted to pay the pmt. they said again they were paid and gave me ref numbers. I finally got it straightened out. But they would not update my account correctly with the new draft number. Now they charged me a fee and will not reverse it. I have provided the the new draft number 3 times! They are at fault also for continuing to insist it was paid and not accepting my payment. I bet they make a ton of money from fraudulent fees. Plus all 5 times I called, it took over an hour.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and these hard Inquiries are fraudulent queries in my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 those account 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: Mortgage

On XXXX XXXX 2014 my wife and I applied to Ocwen Loan Servicing , LLC in regards to our home mortgage, to have our PMI removed. We met all XXXX required points : 1. current on our loan. 2. No late or missed payments in the preceding 12 months or 60 or more days late in the preceding 24 months. 3. Proof that our property had not declined in value since the loan origination [ Appraisal from a certified appraiser that met the minimum requirements on the Loan-To-Value threshold of 80 % or less ]. 4. Submitted written request. 
Ocwen subsequently, rejected our request, we feel, unfairly!
Product: Debt collection

I was to be a grantor for my daughter for Apartments called the XXXX in XXXX XXXX CA in XX/XX/XXXX. However, once they ran my credit I was denied due to me already having an unlawful detainer on my credit from XXXX. They told my daughter to find another grantor with stronger credit or pay higher deposit. I was no longer involved. A year later I she moves and I started to see this debt on my credit report. I believe they used my information after because they did have access to it to hold me accountable for my daughters bill and not mines. I have made several attempts to reach out to the XXXX to have resolved but they can not assist. They are under new management. So I recently reached out to National Credit Systems and have been in contact with a XXXX XXXX at XXXX. She instructed me to file a police report against my daughter because that would be the only way to have it removed. I told her no because she did not do anything that was the XXXX who used me after the fact. I have filed a police report against the XXXX and as of XX/XX/XXXX, sent them a copy of that police report and a copy of my credit report showing I had an unlawful detainer at the time the XXXX ran my credit proving that I was not qualified for the apartment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o. which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, State of Michigan Child Support acct # XXXX, State of Michigan Child Support acct # XXXX, XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights.