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

I've had XXXX XXXX XXXX XXXX account # XXXX. This account has negatively impacted my credit report for nearly 7 years. I have attached several documentations that will point out. The 5 inaccuracies in relation to this account. 
1 ) I came to find that there are two different accounts being reported to TransUnion. 
2 ) There are two different ( One Positive - One Negative ) payment status being reported by XXXX and TransUnion. 
3 ) I noticed that there are two completely different account open dates. 
4 ) There are two different Balance amounts being reported by XXXX and TransUnion. 
5 ) I noticed that there are two separate account numbers being reported by XXXX and TransUnion. 

Please see the attached screenshots I've managed to attach to this complaint. Those documents will confirm my findings with account # XXXX. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple address in my name THAT DONT BELONG TO ME : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also i have names on my report thats not me XXXX XXXX THIS IS NOT MY NAME AND ANY THING IN THIS REPORT DOES NOT BELONG TO ME I WOULD LIKE ALL THINGS TO BE REMOVED IMMEDIATELY BECAUSE NONE OF THESE THINGS ON MY REPORT OR IN THIS STATEMENT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized a credit inquiry by XXXX XXXX on XX/XX/2017 but my TransUnion report says I did. I called XXXX XXXX to dispute the inquiry and have it deleted and they said they have no idea of any such inquiry as it does not show on their records. I then called back TransUnion to have it deleted but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

An affidavit was sent in XX/XX/ and the debt was removed and the debt has now returned back on credit report. Ive attached what was sent certified mail in XXXX and a screenshot of the removal of the debt. Ive attached other supporting affidavits as well.
Product: Vehicle loan or lease

My issue is with Chrysler Capital. 

A little over a year go I needed to purchase a vehicle so that way I could work. At the XXXX XXXX XXXX there was a really nice 2018 XXXX limited edition truck that I was interested in getting so my boyfriend at the time talked to them about it and I filled out the credit application and they called back and told him that we would be able to do it and that the interest rate would be 7 %. So we headed down there to talk about it some more, they seemed very rushed to get me to sign the papers, honestly they were really pushy about the whole thing. So I signed the papers and we left, because they were rushing it and being so pushy about me buy this truck I didnt go over the paperwork in the Dealership, and this was my first time buying a vehicle so I didnt really know what I was doing and they took advantage of that. I was looking over the paperwork when I got home and noticed the interest rate wasnt 7 % like they had told me it was but it was instead 16.28 % and its financed through Chrysler Capital. After I found out how much the interest was we called the dealership and told them we wanted to bring the truck back because I didnt agree to that but they wouldnt take it back. {$41000.00} was they amount financed through them and after i will end up paying {$65000.00} for this vehicle. I have tried to talk to Chrysler Capital about this and they just told me I had to take it up with the dealership. My payments are {$870.00} a month and I can not afford that. I really struggle with making that payment and I have told them that and when I end up being late they call me sometimes 8 times a day and when I do answer and try to tell them whats going on sometimes they have been pretty rude to me about it. It honestly feels like harassment. I lost my job and it took me a couple months to find another one that paid decent then I got kicked out of my house and I had to find a new one so now I have rent and bills and have to buy food and I really struggle with this, its either pay the payment or be homeless and starve and if I pay the payment then I dont have enough money for food or my house and I will be homeless and starve. I have told them this and they wont do anything to help me. If I lose this vehicle then I wont be able to make it to work, its just be all on my own and I think that they have really pretty much screwed me over. I think that the reason they made the interest rate so high is because they were the only ones that agreed to finance my vehicle and they knew that so they knew I didnt have any other option. They did give me one extension for the two months I didnt have a good paying job but that didnt give me any time to be able to catch back up. The stress this has put me under hasnt been good for my health.
Product: Debt collection

I was called while I was working as XXXX and harassed as well as threatened while I was XXXX. i advised the collections agency that i would call back and he asked question after question and making statements that he would place my account on status with the XXXX credit bureaus. i advised him that they were a third party agency and that i have not signed agreed or entered into a contract with them. he asked for information and i gave it to him in an effort to verify no affiliation with the company. the company stated that i agreed to some form of agreement which i continuously advised them not to contact me and that i do not have any verbal or written agreement with them.
Product: Vehicle loan or lease

I currently have a loan agreement with flagship credit acceptance. I am behind on payments, after attempts to contact me this company is calling friends and family. I did not consent to them calling anybody not on the loan agreement or given as a reference.
Product: Debt collection

I received a call from " Gate Stone '' stating I owed a debt for an XXXX account. I determined that this was identity theft per XXXX directly and confirmed the debt was fraudulent. I requested on XXXX separate occasions a Verification of Debt and they company " Gate Stone '' has refused to provide that. This is impacting my credit score. I have filed a police report and am currently waiting on a response from XXXX Office of the President. I have also requested a Cease & Desist on XXXX separate occasions but continue to receive calls from " Gate Stone ''.
Product: Credit reporting or other personal consumer reports

These are the account ( s ) that I've marked as inaccurate : - XXXXXXXX XXXX XXXX XXXX {$610.00}
Product: Credit reporting or other personal consumer reports

I am disputing a {$6000.00} debt to XXXX on my credit report. After purchasing a vehicle and reporting mechanical issues, XXXX refused repairs and refused to allow me to finance them. When the vehicle broke down, it was towed. XXXX then sold the vehicle without my consent and is now billing me {$6000.00}. I did not authorize the sale of the vehicle and am not responsible for this debt.u
Product: Credit card

In XX/XX/XXXX and XX/XX/XXXX, I XXXX had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. My identity was stolen. This has been ongoing for XXXX years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in didn't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I
 
 had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. I fought it and explained to capital one, yet the company sued me and has a judgment gaianst me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two leters to dispute/challenge inaccurate information on credit report with no response from the bureau.

It is now going on 60 days without and written correspondence from this bureau. 

Your assistance is greatly appreciated!! 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a fully satisfied loan from Affirm, satisfied XX/XX/XXXX. In XXXX of XXXX the company that was the retail partner I made my purchase with issued me a refund of {$500.00}. XX/XX/XXXX Affirm noted my account that my refund would be issued within 21 days of confirming my mailing address as they were mailing me a paper check. XX/XX/XXXX I received acknowledgment they received my confirmation of address. On XX/XX/XXXX I was informed after a lengthy run around of a phone call, first that my check would arrive " in 2 days, don't worry! '' they said. I demanded to know the date the check was issued, nobody could provide this to me. I demanded to have my case elevated to find out the date this refund check was issued to me, and later received an email message telling me one has not been issued. They are too busy they said. They owed me a refund of {$500.00} within 21 days and we are well past that now, and I have no idea when this company is going to return my refund from the merchant. Now I am told they need to have 16 days to do a search, plus 21 more days to issue it and I do not believe one word. A search of what? They never issued anything.
Product: Checking or savings account

I had a check deposited into my account on XX/XX/XXXX. It got a hold placed on it a two week hold and then I got another two weeks hold and another two week hold. The money has already been removed from my friends account and the reason that Citizens is giving me that its not cash is that they havent communicated with the other bank yet but they have removed the funds so I told my lawyer about this and he told me to file a complaint and then we could take legal action so that is what I am doing now filing my formal complaint.
Product: Credit reporting or other personal consumer reports

In XXXX, the Consumer Financial Protection Bureau ( CFPB ) amended Regulation F, requiring debt XXXX to notify consumers before reporting a debt to a credit reporting agency. This amendment took effect on XX/XX/XXXX. 

Navy Federal Credit Union ( NFCU ) violated this regulation by reporting my loan as late to all three credit bureaus without making any attempt to contact me regarding the past-due status. 

My last standard loan payment was made on XX/XX/XXXX. Previously, I had an auto loan with NFCU, which I recently refinanced with another institution after trading in my vehicle. Since I was accustomed to making both payments through the NFCU app, I inadvertently overlooked my standard loan payment. 

On XX/XX/XXXX, I received notifications from all three credit bureaus indicating that NFCU had reported my loan as 30 days past due. Upon logging into my NFCU account, I confirmed the past-due status and immediately paid the full amount, including all late fees. 

At no point did NFCU attempt to contact me regarding the missed payment before reporting it to the credit bureaus, despite having my phone number and address on file. As NFCU was legally obligated to notify me before reporting the delinquency, this action constitutes a violation of Regulation F.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate unverified bankruptcy on my credit report claiming the information was verified by XXXX. So I went directly to XXXX and as a result of there investigation they are showing no bankruptcy in there files as of XX/XX/. I sent the result of the investigation to Experian on numerous occasions and they responded XXXX  with report # XXXX, XX/XX/ report # XXXX and XX/XX/ report # XXXX saying certified as accurate from the data furnisher XXXX. How can Experian verify information that does not exist in there files, letters enclosed. Experian seems to not be verifying the letters sent or totally ignoring my request by just sending a computer generated response.
Product: Credit reporting, credit repair services, 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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXX XXXX - {$3700.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX  - {$2200.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$6700.00} XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} Late Payment XXXX XXXX XXXXXXXX - {$620000.00} XXXX XXXX XXXX  - {$1400.00} XXXX XXXX XXXX  - {$1900.00} XXXX XXXX XXXX  - {$1800.00} XXXX XXXX - XXXX - {$1600.00} XXXX - XXXX - {$7900.00} XXXX XXXX XXXX - {$7900.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this account is part of idenity theft and is not mine, per 15 usc 1681c-2 block of infromation resulting from identity theft, and 15 usc 6802 obligations with respect to personal information
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX have reported false fraudulent information to the 2 credit agencies XXXX and XXXX. 

I have written to the company XXXX XXXX  XXXX letting them know the account is not mine. I never signed any contract with anyone at XXXXXXXX XXXX XXXXXXXX or had ever dealt with them. I have written a letter to them and all 2 credit agencies to immediately remove this fraudulent information. The amount which XXXX XXXX 's current claim is due is {$2100.00}. The amount has increased since XX/XX/2022. Whys is this Happening? This appears to be an identity thief. Please help to remove this item from my credit reports.
Product: Mortgage

I am an XXXX year old XXXX, applied for HARP, was told a new3 mortgage was better, refinanced in order to lower my mortgage payments. My mortgage was sold immediately and handed over to something called SLS. SLS now advises I owe an additional {$710.00} for escrow shortage and is increasing my payments to within {$100.00} of my old mortgage. At the time of refinancing I was told I would be saved {$300.00} a month. Today I received a notice from XXXX XXXX that SLS has not paid the insurance payment. I made a terrible mistake, allowing the person I dealt with to talk me into this mortgage and am overwhelmed with it. If you are able to help me with this, it will be an immeasurable kindness. Thank you for your time and attention.
Product: Mortgage

I was severely financially impacted by the Covid pandemic and used the forbearance option to give me a payment " holiday. '' In XX/XX/2021 I contacted PHH for a mortgage modification to extend the term of my loan to include the missed payments. 

A modification was agreed. 

But since then, PHH has given poor advice, sent out documents late and given me no option to meet their deadlines. 

Now, they say the modification has been denied. I have asked for a review and have been told this has been denied too and I now owe them more than {$35000.00}. 

I have tried again to speak with someone who has the power to reassess my claim but no one has been made available.
Product: Debt collection

Unknown and outdated it appears, I have disputed with account and nothing has ever been sent to me regarding validation. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit reportng Agenccies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$26.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Owed : {$85.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$79.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling the company multiple times letting them know its not me who tried to open an account Ive been with the same phone and cable company for years but they were not trying to hear me out
Product: Credit reporting or other personal consumer reports

My XXXX, transunion and XXXX reports are showing late payements for XXXX XXXX XXXXXXXX XXXX XXXX for account number XXXX, my loans were in deferement and should not be showing 90 days past due during XX/XX/scrub> XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern and frustration about your credit reporting agency reporting information about me without my consent. I believe that this action is a violation of my consumer rights and is contrary to the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies are required to obtain written consent from individuals before collecting and reporting their personal information. However, I did not provide any such consent to your agency, and yet you still reported information about me to third parties. 

Furthermore, the FCRA requires credit reporting agencies to ensure that the information they report is accurate and up-to-date. However, I have reason to believe that some of the information you reported about me is inaccurate and may have negatively affected my creditworthiness. 

I demand that you cease reporting any further information about me without my written consent. I also request that you investigate any inaccurate information that you have reported and correct it immediately. Failure to do so would be a violation of my consumer rights and could result in legal action. 

I hope that you will take this matter seriously and take the necessary steps to rectify any harm that has been done to my credit reputation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Trying to find out how to file a claim against Wells Fargo for their fraudulent banking practices on a mortgage from 2012
Product: Payday loan, title loan, personal loan, or advance loan

I bought an item advertised on www.luxurysnob.com using their payment plan. However, upon receiving the item, it did not match the description at all. I returned the product, but the seller stopped responding to my requests for a refund. 

Affirm, the financing company, has been contacting me about the unpaid debt and reported it to credit bureaus. I contacted Affirm to investigate the issue, but they never provided any updates. 

I submitted evidence to Affirm, including correspondence with the merchant regarding the discrepancy between the advertised and received items, and proof of the item 's return via USPS. I requested an investigation into the matter, but Affirm ceased all communication. This dispute with Affirm has been ongoing for the past three years. 

After selling the debt to a company called " XXXX, '' Affirm continued to harass me for the payment. XXXX also harassed me until I sent them a cease and desist letter. I believe Affirm and the merchant, " XXXX XXXX, have colluded to defraud me by providing me with a product that did not match the advertisement, refusing a refund, and then selling the debt to a collections agency.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING : XXXX M Date of inquiry : XX/XX/year> XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Resurgent Capital Services Address : XXXX XXXX place XXXX XXXX XXXX, SC XXXX. ( XXXX XXXX XXXX XXXX, SC XXXX ) Account number : XXXX NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Dear Resurgent Capital Services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.
Product: Credit reporting or other personal consumer reports

Experian XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX There was no balance owed to XXXX XXXXXXXX XXXX Experience placed a debt not owed This impact has effected my credit in a collection showing on my credit file by credit collection There was debt owed or paid to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX had no right to place this debt on my credit file