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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a Dispute on XXXX website with DISCOVER CREDIT CARD whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX in a XXXX XXXX, and still am until XX/XX/XXXX. I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX where I notified them of the crimes against me. Further, I included the XXXX  Court documents from XXXX XXXX XXXX Court in XXXX XXXX, XXXX where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was incarcerated and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. DISCOVER CARD and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my XXXX date. While XXXX all my accounts were assigned to the address in XXXX XXXX of the perpetrators of theft against me ; this is fraudulent, as I never lived in XXXX XXXX. I have always been a citizen of XXXX XXXX except for 4 years I spent in a XXXX XXXXXXXX  during this term of XXXX ) and can clearly show this fact. Further, I am protected by the laws of XXXX and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.
Product: Credit card

I had major XXXX XXXX a few months ago and was unable to maintain my credit cards I called in and asked for a settlement deal on two cards that are now concord credit, Indigo and Destiny, I received the offers in the mail and I made the payments requested by the date request via phone, on both cards to close the accounts, but they did not close them, but instead doubled fees the next pay period, I called and U was told that the customer service rep who took the payment forgot to put in the code and it would be fixed, that was more than XXXX weeks ago and yet another killing cycle went thru with even more charges, Indigo credit card number XXXX XXXX XXXX XXXX Destiny card number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these collection items showing on my credit report before but then they keep reappearing. Experian is showing 2 collections items on my credit report, NEITHER of them are mine or related to me. 
Prior Dispute Report # XXXX 1. XXXX XXXX XXXX acct XXXX for XXXX- XXXX XX/XX/2019 & XX/XX/19 Prior Dispute Report # XXXX 2. XXXX XXXX- # XXXX I have never lived in California , nor applied for or have had any interactions with these companies. I have also been a victim of ID Theft in the past which I informed Experian of in my initial dispute. 
I tried contacting the above companies with the information provided on my Credit Report however they want my personal information. Since this is already an error I do not trust giving my personal information to a company I have no dealing with. 

I take pride in my credit and these items are not mine & want them removed. I also want a credit lock/block on my account going forward.
Product: Debt collection

I am in the process of getting a Security Clearance for a job and I was told by the investigator that when they checked the courthouse under my name and drivers license the following was found ; 1. Citation Number # XXXX XX/XX/XXXX, stating it was turned over to a collection company called GC Services Collection. It did n't have a amount or anything. I tried contacting this company but was unable to get verification and copy of ticket and what violation I commited. Apparently the State of california has created a new branch of government allowing a collection company to do court work. I don'r recall getting a ticket that I would not have paid the fine and the ticket be closed. 

2.Citation Number # XXXX XXXX this is the XXXX ticket that is being handled by GC Services. I went to their site and they are stating that I owe {$820.00} for a ticket i know that has been paid and should be closed. Please assist me in getting this collection company acting as the court of law to remove this erroneous information.
Product: Mortgage

This mortgage company complaint should never have been closed! Employees took to calling me at work and threatening me. On the first call, I asked them not to call me during working hours. We settled on a call back time from XXXX on weekdays. 

Shortly thereafter, they called me at work again, after I had asked them repeatedly not to do so. They forced me to discuss the matter in front of co-workers since " overtime has not been approved, therefore you need to talk now ''. 

How you folks allowed this to be closed without confirming with me is absolutely unacceptable. They didn't resolve anything, only escalated the threats made to me during work hours, and in front of colleagues. 

The issue is their response to written requests regarding my mortgage that go unanswered. Please escalate this to the highest level that it can be resolved. I am suffering health issues as a result of this matter.
Product: Mortgage

I became XXXX unable to work. After sick and family leave ran out, I still could not return to work and was terminated. I could see that there were going to be problems keeping my mortgage payments up to date, so I called my mortgage to attempt a loan modification at a lower interest rate, which would allow me to continue to afford the payments. A modification was refused by PNC bank. I then made contact with HUD about my problem to find out programs I might be eligible for. HUD made contact with PNC regarding a modification, but PNC refused again. HUD then referred me to a state program called the Florida 's Hardest Hit Fund XXXX FHHF XXXX, a program funded by the mortgage company and bank penalties from the banking crisis. paid to the state of Florida. The program is designed to aid homeowners who have fallen behind in mortgage payments, as a result of a loss of income, in order prevent foreclosure. Additionally, the FHHF would also negotiate with participating mortgage companies for a loan modification. I applied to them and was deemed eligible XX/XX/XXXX. To be eligible for the Florida 's Hardest Hit Program, my bank ( PNC XXXX had to agree to cooperate, receive monies from, and accept the process of the FHHF program. I was told by FHHF that my bank had agreed to participate in this program, as had every major bank in Florida. Although I was deemed eligible for the FHHF and any foreclosure attempts were supposed to be stopped in XX/XX/XXXX, PNC started foreclosure proceedings in XX/XX/XXXX. My advocate at FHHF was surprised by the foreclosure proceedings, but reassured me that there would not be a problem and that PNC knew I was in process with the FHHF program and that there might be a clerical error at PNC. FHHF kept asking me for more paperwork XXXX 's for the same paperwork and documents again and again, which I would provide. I was told by my advocate that that the Florida XXXX was in some way stalling the process. Finally in XX/XX/XXXX, FHHF released funds to PNC of {$18000.00} and since has been paying my monthly mortgage payments. The XXXX has been paying my mortgage since that time, which with the {$18000.00} is a total of {$42000.00}. I have paperwork from FFHF showing that PNC has received these funds, yet does not acknowledge receipt of these monies to me or credit these monies toward the balance owed on my account. Additionally, PNC still is not working with me on a loan modification. I was told that any foreclosure proceedings by PNC should have been stopped once they received money from FHHF. I am getting the run around from PNC. PNC refused to talk with my FHHF advocate or myself saying that the case was in litigation. I have had to hire XXXX attorneys, to fight to save my home from foreclosure. I now have no attorney, but am still being threatened with foreclosure.
Product: Credit reporting or other personal consumer reports

This evening, I noticed unauthorized inquiries on my credit report and I'm at a loss for the reason. I typically check my credit report, but this time, unexpected discrepancies appeared. I refreshed my browser to see if it was a malfunction, but the unauthorized inquiries did not disappear. Because of this issue, I am requesting a thorough review of the documents Ive sent to ensure I can stop worrying about this.
Product: Payday loan, title loan, personal loan, or advance loan

I owed the company XXXX I saw principal balance was XXXX $ so I paid the XXXX $ than my payoff balance went to XXXX so I gave them XXXX dollars my payments went up XXXX dollars haven't paid them in a couple of day just checked now it's XXXX $
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 
XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XXXX, XXXX XX/XX/year> XXXX
Product: Debt collection

XXXX XXXX THIS BANK CONSTANT CALL REPEATEDLY FROM DIFFRENT PHONE NUMBERS ALL DURING THE DAY XXXX XXXX ( XXXX XXXX ) XXXX-2018 XXXX ( XXXX XXXX ) XXXX-XXXX-18 XXXX ( XXXX XXXX ) XXXX-2018 XXXX ( XXXX XXXX ) XXXX-XXXX-2018
Product: Credit reporting or other personal consumer reports

XXXX XXXX with XXXX  XXXX XXXX reported on credit report as of XX/XX/2024, Initial amount was {$1500.00}. Credit report from XX/XX/2024 indicates a loan amount of {$3500.00}, Disputed loan through Credit Reporting agencies, XXXX and XXXX. Dispute was unsuccessful. Both credit agencies indicated credit is valid. Unable to reach XXXX XXXXXXXX XXXX, MOHELA to correct the situation. Loan has not reporting on XXXX. 
MOHELA was able to locate my account. Account number is. XXXX. Email address that was associated with the loan is XXXX, phone number is XXXX and address is XXXX XXXX XXXX. 
MOHELA was unable to email me the packet needed to file the complaint. Waiting to receive package in postal mail. Police report filed and police found that the email, phone number and address are not valid.
Product: Credit reporting

Experian is reporting a 6 and 1/2 year old charged off auto loan deficiency with XXXX XXXX XXXX as having late payments and past due payments as well as including the amount of the original loan payment as part of my monthly debt. When the auto was reposed in XXXX and sold that ended the contract and monthly payments. The debt has been charged off there should not be anything reporting as current activity or payments due. They are also changing dates on the reort to reflect a more current status. I have attached a copy of experians own investigative report from XXXX as proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of the automatic fraud alert that was placed on my credit file. I never requested for one to be placed therefore I would like it removed immediately
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, a deposit of {$600.00} was deposited into my checking from Nationalsmallloan XXXX. Initially, I was surprised because I never spoke to anyone pertaining to a loan. Since the telephone number was included in the description of the XXXX deposit I contacted Nationalsmallloan and excepted the terms and loan.The terms consist of XXXX payment beginning on XX/XX/2020 and XXXX additional payments bi-weekly unless the full balance was paid off. So I made another payment of XXXX on XX/XX/2020. 

On XX/XX/2020, I contacted Nationalsmallloan in an effort to pay the loan off in full. This is when the problem occurred. I informed a representative that I wanted to pay off the loan in full and the representative asked to take my number and someone would call me back with an exact pay off. After about an hour I called again and was asked to leave my number and someone would call me back. After about 2 hours, I repeated an attempt to contact Nationalsmallloan and was given the same excuse. I repeated this for a total of 6 attempts. On XX/XX/2020, again I was asked to leave my number and someone would contact me, but no one every did. 

On Monday XX/XX/2020, I contacted a representative and expressed my disappointment regarding their failure to call me back and I stated, " You all are trying to continue to collect the XXXX bi-weekly payment. '' and the representative said, " yeah '' Thereafter, I contacted my financial institution and they instructed me to place a one year block on the ACH transaction. So I expect to hear from them soon because a payment is scheduled for XXXX, 2020.
Product: Vehicle loan or lease

I am reporting this company because they have caused my income to come to a stop due to unlawful practices and infringement on my rights. I made a payment arrangement that was rescinded due to me exercising my rights. I want it to be on record that this company attempted to reposes my means of income without proper notice twice. The company they hired to reposes also caused damage to the equipment. I have not been able to use my truck to make money out of being in fear of the company continuing in unlawful or illegal practices in an attempt to defraud me more than they already have. I have listed below USC codes that explain the violations made by this company.

15 U.S CODE 1692j- false and deceptive forms 15 U.S Code 1635- right to rescission 15 U.S Code 1605- finance charge defined and what is all included 15 U.S Code 1635 ( f ) -right to rescind after 3 years if rescind paperwork was never furnished 15 U.S Code 1635 ( b ) -right to rescind and keep the property 15 U.S Code 1640 ( a ) -each violation is XXXX XXXX  charge 15 U.S Code 1662 ( b ) - mixing cash with consumer credit transaction 16 C.F.R 433.1 ( d ) - purchase money loan. XXXX got a cash advance for using my social or credit card
Product: Consumer Loan

I applied for auto loan with Ford credit and refused give me a loan. As I legally changed my name and brought all papers from the court. They refused to talk to me, they refused all legal paperwork. They keep given different reasons, the financial director at the Ford dealership pulled my credit report and he was showing as my credit score at XXXX. At Ford financial they said, that they are not showing any scores at all. They refused to give me any reasons at all, as well as show where I am showing XXXX credit score.
Product: Student loan

Aidvantage/Department of Education They were suppose to discharge the loan with the Sweet V. Cardona Settlement . I was refunded the amount I paid trying to get it off my report. They told me by XX/XX/XXXX it would be discharged and I would be emailed a letter that nothing was owed. Well it came closer to XX/XX/XXXX and I messaged them and they tried not to address my questions. I finally got a response that they weren't discharging it by XX/XX/XXXX and now it will take 7 months from the time I got the letter that I was approved for discharge which was XXXX of XXXX. So now I am waiting until the end of XX/XX/XXXX. This affected us in XXXX. We got letters in the mail and we called the number to get treated very cruelly by a woman on the phone. She was threatening to put me in prison. I never had a student loan. I would know if I had a student loan.
Product: Debt collection

On XX/XX/2023 I mailed a Certified Debt Validation Letter to Midland Credit Management company via United States Postal Services which was delivered on XX/XX/2023. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX and it was delivered on XX/XX/XXXX giving Midland Credit Management 15 more days to validate debt. However, we are now passing the 15 day mark with no response from Midland Credit Management. After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Unauthorized Inquiries that are currently being reported on my consumer credit profile that have been furnished without my consent, authorization, or permissible purpose. The inquiries have not resulted from any authorized consumer credit transactions, and therefore this use of my personal identifying information constitutes " Identity Theft '' pursuant to XXXX CFR XXXX ( h ). Exercising my right as a consumer I have now identified and given notice of the unauthorized inquiries. TRANSUNION, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized inquiries no later than 4 business days after receipt and delivery of the notice. It is hereby required by Federal Law that TRANSUNION immediately remove or block from reporting the following unauthorized inquiries : XXXX. ) XXXX XXXX XXXX  XXXX - XX/XX/2021 XXXX. ) XXXX XXXX - XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent verification to XXXX from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( XXXX ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to complaint XXXX Against Experian, I wrote to Experian to investigate my inquiry regarding my credit report and its accuracy back XXXX on XXXX, 2023. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the inquiry must be investigated and either confirmed or deleted within 30 days. See Attachment Experian did not respond within 30 days and instead waited until I sent them a Certified letter about 80 days later XX/XX/XXXX demanding deletion when they knew they had No choice but to respond because I now had proof that i had been writing them regarding the investigation of my credit report. 

Now that I have file a complaint with CFBP they are asking for more time to investigate, NO they do NOT GET MORE TIME, they are BREAKNG the LAW? .... 

XXXX had also not responded within the 30 day timeframe but when I sent the XX/XX/XXXX letter telling them they had not acted within the law and that they Must now delete the items in question, they did. PLease see XXXX screenshots, Experian need to do the same. I would rather not make this a legal matter and I am once again asking Experian to remove the negative items as required by 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. They have been doing fraudulent sales tactics and they messed up on the original bill of sales to include my XXXX trade in from XXXX XXXX. I signed paperwork that has XXXX taking Power of Attorney over my trade in. They haven't sent XXXX XXXX the payoff check. I sent in the paperwork to XXXX XXXX showing I traded in the car but they keep harassing me. I'm not responsible for the car. Matter of fact, XXXX is under investigation by the XXXX and Florida XXXX XXXX. They have purposely with held the additional paperwork from XXXX XXXX because XXXX will not refinance the Journey to include the negative equity from the XXXX. That's why XXXX hasn't sent the money to XXXX XXXX. XXXX has doctored up fake application numbers and denial letters. I have a letter from XXXX XXXX congratulating me on my purchase from XXXX XXXX XXXX XXXX XXXX. XXXX has stolen my car from my work and they no longer own the car.
Product: Debt collection

From XXXX i was a victim of identity theft for over XXXX dollars and i had notified the company even made police reports and nothing happened and then i find that it was reported to my credit that debt was trying to be collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

by law, under the FDCPA, a credit reporting agency must make sure, without a shadow of a doubt, that ALL information being reported is accurate and precise so that the consumer is being protected and provided for. my information is private and is NOT TO BE SHARED unless i consent to it!! In order for any consumer reporting agency or 3rd party debt collector to use ANY of my private information, they must have several things on file ( 1 ) MY WRITTEN CONSENT SIGNED AND DATED ( 2 ) AN SSA XXXX FORM ( 3 ) THE CONSENT FOR RELEASE OF INFORMATION FORM and the DEED OF ASSIGNMENT, also the FULL ACCOUNTING FROM BEGINNING TO END OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE AND NOT SOME STATEMENTS OF ALL VITAL INFO. IDENTITY THEFT HAS BEEN COMMITTED AND FALSE REPORTING WITH MULTIPLE LAWFUL VIOLATIONS. just a few for complete clarity ; 15 usc 6801, 6802 and 6803. probably the most important statement in this correspondence is MY WRITTEN CONSENT and 15 usc 1681 ( c ) -2, IDENTITY THEFT. Everything pertaining to credit worthiness is centered around the Social Security Number, so in conclusion the Social Security Administration governs my information according to the 2 items i specified above and Congress governs ALL LAW