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

I XXXX XXXX have made numerous attempts to XXXX XXXX XXXX and EQUIFAX to get an account removed from my credit report due to IDENTITY THEFT. I was recently released from a long incarceration when i found on my credit report to be suspicious activity or in other words my identity was being use without my authorization. On XX/XX/XXXX i sent to Equifax via priority mail an IDENTITY THEFT AFFIDAVIT, dispute letter and supporting documentation such as PROOF OF INCARCERATION. Also on XX/XX/XXXX i sent dispute letters and supporting documents individually to the creditors XXXXXXXX XXXX  XXXX, after verification with mail carrier it was confirmed that all packages was in fact delivered on their expected dates ) On XX/XX/XXXX Equifax 's system shows that they received the documents. In between that date and the date of XX/XX/XXXX Equifax was investigating the claim. On XX/XX/XXXX Equifax completed their investigation but the XXXX account was still on my credit report that resulted from identity theft. Equifax responded on XX/XX/XXXX saying that ; at this time Equifax isnt blocking information pursuant to Section 605B ( c ) of the FCRA. In the same letter Equifax also states ; " FOR EQUIFAX TO BLOCK INFORMATION UNDER SECTION 605B OF THE FCRA, YOU NEED TO PROVIDE PROOF OF YOUR IDENTITY, THE SPECIFIC INFORMATION THAT IS THE RESULT OF IDENTITY THEFT, AND A COPY OF YOUR COMPLETE AND SUBMITTED IDENTITY THEFT REPORT WITH THE FEDERAL TRADE COMMISSION OR POLICE REPORT REGARDING THE IDENTITY THEFT. 

EQUIFAX and XXXX XXXX ARE BOTH IN VIOLATION OF FCRA 605B-15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. IT CLEARLY STATES IN SECTION 3 Significance of block ; IF A CONSUMER REPORTING AGENCY RESCINDS A BLOCK, THE PRESCENCE OF INFORMATION IN THE FILE OF A CONSUMER PRIOR TO THE BLOCKING OF SUCH INFORMATION IS NOT EVIDENCE... .and if im claiming identity theft then you cant verify this account because my information was used. obviously my information was used, BECAUSE IT WAS STOLEN. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND XXXX XXXX  VIOLATED MY CONSUMER RIGHTS UNDER FCRA 15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS. I NEVER GAVE XXXXXXXX XXXX WRITTEN INSTRUCTIONS TO REPORT MY ACCOUNT TO ANY AGENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX expirian and XXXX about my XXXX XXXX  card no one is helping get it removed I disputing the item several time.. XXXX used my tax return back in 2017 to collect the debt amount it has been over 7 years every time I dispute the item it just says verified I have sent letters and asked how it was verified.. XXXX is not responding to my email or are they reporting to the credit bureous all I get is you have to call XXXX which I did. I am requesting the XXXX XXXX card to be removed from my credit report immediately if no one can provide me information I have been requesting for
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address a significant issue regarding the inaccurate reporting of an account associated with Drive Now Auto Credit on my credit report. This account was initially labeled as a Repossession and later amended to a Paid Repossession, which is entirely incorrect and unjustified. 

Firstly, I would like to provide clarity on the circumstances surrounding the acquisition of the vehicle in question. On XX/XX/XXXX, I entered into a transaction with Drive Now Auto Credit to purchase a XXXX XXXX XXXX XXXX, listed online at {$9800.00} with XXXX miles. Despite encountering unprofessional behavior during the transaction process, including disputes among staff regarding commissions, I proceeded with the purchase due to my urgent need for a vehicle. 

Throughout the following XXXX days, I cooperated with the dealership, providing requested documents and information, despite the unexpected increase in the vehicle 's price and the subsequent discovery that the vehicle had previously been wrecked, which was not disclosed beforehand. Despite these setbacks, I took possession of the vehicle, only to be later instructed to return it for the installation of a GPS disabler, under the guise of ensuring payment compliance. 

Ultimately, I returned the vehicle in response to this unreasonable demand, and it was subsequently resold to an acquaintance of the managers daughter without following appropriate procedures. This mishandling of the situation has had severe repercussions on my credit score, impeding my ability to secure financing for another vehicle and resulting in exorbitant interest rates when I finally managed to do so. 

Repeated attempts to dispute this inaccurate reporting have proven futile, and my interactions with Drive Now Auto Credit have yielded no resolution. Attached is a letter from a former manager, albeit with incorrect dates, affirming the unwinding of the loan associated with the vehicle. Despite this documentation, the issue persists, compounding the distress and inconvenience it has caused me. 

I implore you to take immediate action to rectify this situation. The erroneous reporting of a repossession has had profound consequences on my financial standing and quality of life, and it is imperative that this matter be addressed promptly and comprehensively. I seek your assistance in ensuring that this unjust mark on my credit report is removed, and appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this matter. I eagerly await your response and swift resolution to this ongoing ordeal.
Product: Student loan

On XX/XX/XXXXXXXX  I was notified that one of my three direct loans were moved to LEVEL payment plan. The other two loans were correctly moved to SAVE plan. All loans on REPAYE were supposed to go to SAVE and it appeared correct up until XXXX. Unfortunately now the payment on Level is higher than it should be and one of my three loans will be paid off in the next year. If the SAVE repayment plan eligibility after XX/XX/XXXXXXXX  goes through as planned with making payments for 10 years I will have all of my loans forgiven but less will be forgiven if the loan stays on LEVEL plan. I contacted Mohela through secure messaging on XX/XX/XXXXXXXX  but have not received a response and no change was made. My auto payment went through earlier this week and was higher than it should have been due to Mohela 's error.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX 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 submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

ccount Name KOHLS/CAPONE Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$520.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$900.00} Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX kohls, charged off never sold to third party. if KOHLS did a profit/loss I need to see tax report! if unable to show proff of tax write off, they must remove from all three credit reports asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party XXXX and Equafax are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!
Product: Credit reporting, credit repair services, or other personal consumer reports

When i try to apply for credit im told theres a fraud freeze on my credit reports. I never applied for a freeze, i have no information of this and i want this removed from my credit reports immediately
Product: Vehicle loan or lease

I had found a used car at XXXX XXXX, a large dealership based out of XXXX XXXX, WI, and had gone in to test drive it, applied for financing, submitted all requested documents to the dealership needed for financing the car and set up a date for them to deliver the car. They had delivered the car to my house, had me sign the purchase contract, financing paperwork, and the loan agreement. I had also signed the same documents electronically and received my copies of the documents that were also signed by the dealership. I gave them a check for {$4000.00}, which was the down payment I was making on the vehicle, which cleared from our account a few days later. They then reached out to me 7 days later to tell me that the financing was not completed with the bank yet and they needed more information. I had informed them that I had a recent change in my employment and I was going back to my previous employer after a few weeks, but I was in between jobs for the time being. They then told me that I no longer then could have the car and that they were going to be taking the car back because it belonged to the dealership, despite me having already signed all of the documents with the dealership. My first payment was not yet due for another 4 weeks according to my loan contract that the dealership and I had both signed. They had demanded that they needed drivers to come get the car or I needed to take it back, and I told them that I needed to look into things because I had already signed legal documents purchasing the car. They proceeded to call me 9 times within 20 minutes and sent me several text messages threatening to escalate things further and using tactics to try intimidating me into complying. I have since returned the car to the dealership due to their threats and harassment. I was also never made to sign an off site disclosure informing me of my rights in the state of Wisconsin associated with an off site sale.
Product: Payday loan, title loan, or personal loan

My daughter subscribed a personal loan on my behalf without my knowledge, using forfeit signatures of me and my wife, she used the money I had on my savings account as collateral for such loan. 

I entered a complaint at IBC and have not received any answer to this day.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XXXX Balance Owed : {$2000.00}.
Product: Credit reporting or other personal consumer reports

I began my services with Lexington law in XXXX to help me with correcting errors on my report XX/XX/XXXX i stayed with them for 6 months with no resolution and then they convinced me to com back in XX/XX/XXXX and still same results i paid monthly they charged my bank account over and over causing my account to be over drafted in in one case my account was closed. I can not begin to explain the hardship that acurred do the miss handling of my account it caused me to not be able to buy a home, or even get a better rate for car loans.
Product: Payday loan, title loan, or personal loan

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$76.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX XXXX {$6200.00} XXXX XXXX XXXX XXXX {$530.00}
Product: Debt collection

Carolina Finance LLC by XXXX XXXX XXXX XXXXXXXX, of XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX, led me to believe that I had cosigned for a car for XXXX XXXX XXXX and garnished my wages from my employer from XX/XX/XXXX through XX/XX/XXXX as well as unsuccessful attempts by my attorney XXXX XXXX XXXX to collect this reimbursement in XXXX through XX/XX/XXXX, and as of XX/XX/XXXX, Carolina Finance LLC nor XXXX XXXX XXXX have not reimbursed my money {$4300.00}, plus {$240.00} in Legal fees, for a total of {$4500.00}. 
The Unfair Credit Reporting and Collections your Company and the unethical legal practices your Company and Law Firm participated in, including obtaining money via payroll garnishment and collections, that I did not owe.
Product: Mortgage

Ocwen Loan Servicing has engaged in unfair practices by systematically imposing obstacles to make it as difficult as possible for me ( and presumably all customers ) to obtain a pay off quote for my home mortgage loan. Ocwen 's practice of obstructing customers ' access to pay off quotes is harmful because it prevents customers from obtaining information necessary to re-finance home mortgage loans at lower rates, while allowing Ocwen to continue collecting interest from customers at higher rates. When I called Ocwen to obtain my pay-off quote I was told that they could not provide it to me. When I pressed, I was told the only way they would provide it is by mail. It has been more than 10 days now, and I still have not received the quote by mail. I attempted to retrieve the pay off quote online, and Ocwen again placed several barriers to access my account including : a minimum four business day waiting period, requiring me to include my XXXX digit zip code ( rather than the normal XXXX digit zip code ), requiring me to re-register my account and re-setting my user ID and password. Even after completing these tasks, the Ocwen website advised that it would take several days to email the pay off quote. I continue to await the pay off quote, while missing out on opportunities to re-finance my mortgage.
Product: Mortgage

RE : TD BANK COMPLAINT In the Spring of XX/XX/XXXX, I received my yearly request for proof of my hazard insurance from TD bank where I have a small mortgage on a home. I sent proof to the fax # they provided in their letter. I sent it 2 times. On XX/XX/XXXX I received a 2nd notice that they did not have receipt of the insurance. I then had my insurance company send it. 
On XX/XX/XXXX I called the number on the letter and spoke with " XXXX '' who confirmed the bank 's receipt of the homeowner 's insurance policy. I faxed it again to the name on the letter. ( attached ) I received another letter dated XX/XX/XXXX, still not acknowledging receipt of the policy. I then on XX/XX/XXXX,  XXXX XXXX, again called the number on the letter and explained, again, that I have sent and received confirmation that the bank had my insurance policy on file. I spoke with " XXXX '' and she verified the same. 
Again, I called on XX/XX/XXXX ... ditto. 
I received a TD bank monthly payment notice for XX/XX/XXXX stating that on XX/XX/XXXX my mortgage amount would be going up from {$1800.00} to {$2400.00} automatically deducted from my checking account. I called again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX who again stated it had been corrected and would have a supervisor, named XXXX XXXX, call me to confirm this would be immediately corrected and I would be credited the overcharged amount that they withdrew from my account. 
I called again today, XX/XX/XXXX and spoke with " XXXX '' who said a supervisor would call me back. I said I would like to speak directly to a supervisor and she transferred me over to " XXXX '' who again apologized and said the escrow dept was at " year end '' deadline tomorrow but should get back to me tomorrow. 
This is a fraudulent, bogus business practice. I have been trying to get this resolved for 8 months and now they are overcharging me for duplicate insurance. This is highly unethical and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/1973 last XXXX ss # XXXX After filling complaint with early warning reporting agencies XXXX XXXX and XXXX XXXX continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's XXXX XXXX contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. XXXX XXXX act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.
Product: Debt collection

Few years ago I paid a debt in full with XXXX systems. Thry stated to me if I pay my whole debt off they would give me a deletion letter and would be taken off my credit report it has not. And it's effecting me and my family from purchasing a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX XXXX 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # XXXX
Product: Mortgage

We purchased our home in 2012 through a local lender. Within the month the lender had sold our mortgage to BB & T. we have had several issues with them, but most recently it is twofold. 
1. my wife was unemployed and receiving unemployment insurance. we applied for hardship. BB & T made us fill out the same forms multiple times, lost paperwork with personal information, and made the process take more than two months. by the time it was finally approved y wife was working again, and we were two months behind. BB & T then refused to accept payments when we did try to make them, even though the payments were for more than one months worth of mortgage.

2. we also received a letter from BB & T stating that they sent an inspector to our house and our house was reported as vacant, a violation of our mortgage ( once again, we never signed a contract with BB & T ), and that they were going to take steps to secure the property. our home has never been vacant, and it is clearly occupied even from looking at it from the street. when we asked BB & T why they thought it was vacant they responded saying that sometimes the inspector doesn't approach the house but instead makes the decision from a distance. this is unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request removal of the late payment reported on my credit report for the XXXX XXXX XXXX account. This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) and New York State laws.

Facts : 1. The reported late payment is inaccurate and unsubstantiated.

Violations : 1. FCRA 1681e ( b ) - inaccurate information reported.

2. 12 CFR 1022.41 - furnishing inaccurate information.

3. New York State General Business Law 380-a - false or misleading information.

Removal Request : Pursuant to FCRA 1681i ( a ) and New York State General Business Law 380-b, I request : 1. Immediate removal of the disputed late payment.

2. Confirmation of removal in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.