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

There is an address reported on my Experian credit report, I have never lived there. I'm afraid that my personal information is being sent to that address. With the amount of fraud, scammers and identity theft going on in the world today, this is very concerning to me. I disputed the information with Experian was told it could not be removed because the address is tied to an account on my credit report. The account is with XXXX XXXX XXXX. Twice I contacted XXXX XXXX XXXX in regards to the matter, XX/XX/2023 and XX/XX/2023. Each time I was assured that the address was not on my account and that they have my current address. The address is still being reported on Experian credit report. I reported the address as fraud. I feel like I'm getting the run around with Experian and XXXX XXXX  Loans. I am requesting all information from XXXXXXXX XXXX be deleted from my credit report, they do not know how to accurately report. I'm frustrated because my personal information is being sent to an address that I never lived at.
Product: Mortgage

Information Sent to the Florida Attorney General XX/XX/XXXX - Note : we spent 45 minutes on the phone with assistant XXXX XXXX, from the AGs office giving us these instructions. 

In XXXX, we were the victims of predatory lending by XXXX XXXX, a former CA company. It was an adjustable loan that soared from a manageable {$700.00} a month to {$2500.00}. We hired the XXXX XXXX firm, in XXXX XXXX, FL and our case was dismissed. 

In XXXX, PHH-OWCEN acquired the mortgage and in XXXX, XXXX we met with a mediator and the mortgage company quoted us a price of {$310000.00} to buy our house. We had significant roof damage and black mold in the garage and confer offered {$290000.00}, We agreed to have an appraisal and although we provided our schedule, the appraiser came the day after we left for vacation. On the second agreed upon date, the appraiser didnt come. This is a violation of an agreed judgement. 

Prior to our hearing in XX/XX/XXXX, we offered to buy our house for {$310000.00} and gave them the required paperwork. The paperwork wasnt acceptable, and our offer was denied. At our hearing on XX/XX/XXXX, one witness was denied the opportunity to testify and the other now works for PCC-OWEN and he also was denied the opportunity to testify on our behalf. 

We feel that we have been the victims of a complicit judicial system XXXX XXXX, PHH-OWCEN and the law firm, XXXX, XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX counsel. 

We are asking the Attorney Generals office to stop the XX/XX/XXXX hearing and investigate the illegal action of PHH-OCWEN. 

https : 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 we were 20 days away from a dismissal XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to XXXX for the same amount. XXXX never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so XXXX XXXX has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I tried applying for the credit card and I was informed that the information on my application and the information on my consumer report did not match. After reviewing my report personally I realize that my name is incorrect. 
My only name is : XXXX XXXX XXXX I would like all other variations of my name, removed from my consumer report, because it is damaging my financial health
Product: Vehicle loan or lease

My name is XXXX XXXX i have a account with Toyota financial services for about 3 years have not had any issues till I XXXX  my XXXX  due to XXXX called to get assistance such as a extension never had requested this on my loan before tried as much to cover it but for XX/XX/XXXX payment i called Toyota financial to request extension by the end of XXXX XXXX recall exact date requested a one month extension I clearly specified to representative I only needed one extension for XXXX payment. I get a letter stated next payment due XX/XX/XXXX .I never authorized that so today XX/XX/XXXX go online to make my car payment and my next payment says XX/XX/XXXX never authorized this and would like you guys to look on what is this company is doing. I called today and was told by representative my extension could not be reversed after explaining what happened.
Product: Mortgage

I am a XXXX XXXX veteran who after refinancing proceedings with Wells Fargo Bank took place, paid a XXXX County of Maryland state and county tax bill. I should note that I am a first time home owner. The bill arrived XX/XX/XXXX for the period of XX/XX/XXXX to XX/XX/XXXX. The amount paid in full came to {$440.00}. I have an escrow account with my mortgage through Wells Fargo but my bank is XXXX XXXX  of Maryland. The amount was paid to XXXX County Maryland on XX/XX/XXXX and I have my bank statement copy for proof. Since there is no system in place to not have bills be mailed out for existing escrowed account mortgage holders, I've tried on numerous attempts to get my refund from Wells Fargo Bank ( Mortgage and Escrow Division ). I have gotten nothing but a run around and been told that the amount would be refunded. My last attempt yielded nothing after communication with a Wells Fargo Manager whom I faxed my copies of the tax bill and my bank statement to after their fax number was given to me. I have also tried contacting a XXXX XXXX XXXX ( Director of the Office of Budget and Finance for XXXX County ) concerning possible resolutions of escrow situations and bills mailed to taxpayers. It has been since XX/XX/XXXX that Wells Fargo Bank has faulted on my refund with one excuse after another. Please investigate and I will await your response to this dilemma. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is not licensed to collect a debt in my state. I do not contract with this company and am not obligated to any repayment or alleged collection. Remove the following accounts from my consumer credit report and block them from accessing my private information. These accounts have caused me serious injury to my person and has caused me to suffer severe financial loss. Cease and Desist the reporting of the following accounts within four 4 days as per outlined within the FCRA guidelines, specifically 605B : BLOCK AND DELETE. 

XXXX XXXX XXXX Opened XX/XX/2022 XXXX XXXX XXXX Opened XX/XX/2022 Misuse of my consumer profile is considered identity theft and harassment. I appreciate your swift response and remedy to my credit profile within 5 business days from receipt of this complaint. 

thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard inquiries : XXXX  XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company has contacted my employer several times after being asked repeatedly to stop by my boss. I have also told them to stop contacting my work, and they kept calling. They said today XX/XX/18 the only way to fix that is to come in today and pay this. Or youll be getting sued and were working with an attorney now. I replied that I would go pay then as soon as I could but that I didnt want them to contact my employer again. She said it needs to be paid today or we will. I spoke with XXXX at convienient loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX  XXXXXXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX  XXXX XXXX {$650.00} XXXX XXXX XXXX {$670.00} XXXX  XXXX {$840.00} XXXX  XXXX XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

I'm filing this CFPB complaint because I'm a victim of identity theft through data breeches which were XXXX data breech XXXX XXXX  XXXX  and also XXXX  XXXX  data breech all of the fraudulent accounts are listed in attached identity theft report all accounts listed were opened fraudulently without my consent which is against consumer law to report incorrect fraudulent items on consumer credit report. Please remove all fraudulent accounts from XXXX XXXX Experian. 

Listed Fraudulent Accounts 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: Mortgage

i have a mortgage loan through Pacific Union Financial. 
I have had the mortgage payment on automatic since XXXX 2014. 
My payment always get to Pacific Union 2 week before the XXXX of the month. 
The has been NO interruption. 
There are months on their record where my payment was either applied to the wrong account, not applied at all, or never received. 
As a result of their accounting, Pacific Union is asking me for new inflated monthly mortgage payment. 
Their accounting has caused my account to have an escrow shortage that they want me to pay. They either have very bad accounting, they are hoping I do n't challenge them or there is a thief in their organization somewhere. 
Either way they have my account in disarray. 
For the record, I am not against suing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the inaccuracy that is reporting to your Credit Agency.

According to U.S.C 1602 ( i ) I gave XXXX XXXX XXXX my credit card to obtain money on credit, which is defined under 1602 ( f ) under a open end credit plan. You not only are reporting negative information without my consent, you are reporting late payments. I am aware that you are a creditor and that 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 you have ensured that a periodic statement including 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. According to 1666 d Treatment of credit balances, I need for you to credit the amount of credit balance to my account, and refund any part of the amount of the remaining credit balance by check to the address listed on file with this complaint. Also Update the account beginning with XXXX to paid as agreed immediately. Please be aware that as a consumer I have rights and will exercise any and all remedies available to me.
Product: Credit reporting or other personal consumer reports

XXXX & LVNV FUNDING LLC continue to violate my consumer rights by reporting this account even though I have no obligation under federal law to pay this debt. Since this deals with securities its a federal matter and no court has ordered me to pay this debt and the instrument that is being held was transferred and assigned but perfection of the security interest was never registered therefore no valid lawful claim exist.
Product: Debt collection

So I paid off my credit card and I didnt overdraft on the credit card. I didnt overspend and theyre asking me for more money {$1600.00} worth of funds without an explanation. They wont even give me the reason why I owe it and why they shut down my credit account Which is raising suspicion
Product: Debt collection

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you mind reviewing the documents? Certain accounts listed seem to be incorrect, causing me some concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file several complains through CFPB and FTC on-line website, no resolution and sent validation letter with no response, no change to the items in my complaints. There is addresses, inquires name is not mine or validated. XXXX  is updating on a Closed & Collection Account that is not mine, it is Fraud account, a company called XXXX XXXX under an account # XXXX operated by a XXXX XXXX, reported {$80.00} & Late Payment XX/XX/XXXX. This is not my account. Address Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, FRAUXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting name incorrect XXXX XXXX, FRAUD INVALID Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, Inquires:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorrect name : XXXX XXXX, invalid FRAUD Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, FRAUD Inquires : ALL ARE DATED FOR XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. As an unauthorized charge for work not authorized there should not be a charge on this card. 

Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.
Product: Credit reporting or other personal consumer reports

This is my fifth attempt addressing Exeter Finance LLC 's continued misrepresentation of the purpose of my dispute. My complaint is not about the validity of the debt itself, as I acknowledge that I had a financial obligation with them. Rather, my concern is that their original contract does not include an authorization clause or any explicit consent from me allowing them to report my account information. This omission constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated complaints, Exeter Finance continues to mischaracterize my dispute by focusing on the existence of the debt instead of addressing their lack of authorization to report it. I respectfully request your assistance in compelling them to cease reporting my account ( which was paid in full and closed ) information due to this contractual deficiency. 



Would you like me to add or adjust anything further?
Product: Credit card or prepaid card

I recently filed a complaint here against USAA because they are not giving me a way to pay my charged off secured credit cards. They offered up a really slick explanation as to why the debt is valid, but still gave me no way to pay it. 

I never contested the validity of the debt, I had 2 unsecured cards that I put {$6300.00} cash onto. One is {$120.00} delinquent and the other is {$73.00} delinquent. I paid them off i just got charged interest and was unable to make the payments as I'm a XXXX vet and was still waiting on my XXXX. 

Neither here nor there. I requested to pay the bills. I was told it is not their responsibility to provide a method for me to pay them since they are charge offs. I requested an invoice. I was told to just mail a check into the company for the full amount and put " attn billing department ''. Thats a no from me. 

I even had a nice lady one time when I called help me add them both to the bill pay section in the usaa app. When we hung up and I tried to pay them, it didn't work. When I called back, I just got an " Oh well, we tried. '' " It is not our responsibility to provide you a bill for a charged off account. '' Yet they're still reporting it happily every month to the credit bureaus. I have been trying to pay these two bills for over a year. I want to buy a house and these are the two negatives on my credit report. 

Please just let me pay the XXXX cards off!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a identity theft victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I am writing in regards to a civil judgment from a company called Gurstel Chargo. They are a bad debt buyer and purchased a debt from a charged off account with XXXX XXXX Bank. I owed just over {$1000.00} and went to court to dispute it due to the hardship it would cause, but the deadline had passed and I lost, so my checks have been garnished for the past 9 months. I calculated the amount owed compared to the amt taken from my paystubs and I show that it should be paid in full. Yesterday, I received a letter stating that a company called XXXX XXXX was going to start garnishing me for the exact same account. I had only XXXX XXXX XXXX Bank account. I sent an email to Gurstel Chargo 's attorney and requested the balance and the amount owed and explained that XXXX XXXX was trying to garnish me again for the entire amount, ( which I know has been paid in full ). They will not respond to me. I checked my annual credit reports and sure enough, it shows the XXXX XXXX account was sold to another party and then sold again. I have paid this is full yet am being charged again for the entire amount I just paid off. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report a collections account XXXX XXXX XXXX XXXX  I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account I NEED PROOF OF ACCOUNT OR DELETE IMMEDIATLY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the federal credit reporting act, this creditors XXXX XXXX and LVNV Funding LLC have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions.

Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.
Product: Credit card

XX/XX/2023 on old card - fraudulent charge card not present. I disputed. They sent me a letter saying it was removed. They cancelled that card, sent me new card I have not used AT ALL. 
Old charge reappeared - again disputed. Same amount, different vendor reappeared. 2nd letter saying they removed the charge. 
I ONLY used the Citibank Best Buy card at Beat Buy last year - all other charges are fraud. 
So now I have two USPS mails saying the fraud amount was removed and an email that says I am late on payment. When I saw they were still using the old account on my bill, I closed the whole account and now they are sending me the same bill under the new card they issued me. And it is not showing that the card is cancelled. 
And now the charges are larger because they are adding late payment fees on the account. 
I am afraid to log in to Citibank now because they keep moving the charge from one account to the next, The initial fraud had to be due to a Best Buy employee as the email was sent to an email address I no longer use that used to be on an OLD Best Buy account before I changed my name. All transactions I made on that card were made in person at a Best Buy Store.
Product: Money transfer, virtual currency, or money service

Tried to pay my storage bill but cash app but public storage doesnt allow it as payment they say it was refunded but money came back into my account
Product: Credit reporting or other personal consumer reports

I have been writing letters and hiring lawyers to get certain information removed from my credit report from XXXX, Equifax, and XXXX XXXX. I have been fighting with that identity theft for the past six years and I have been trying to get an accurate information removed from my hair report with no success. Through investigation, they are verified accounts that are mine, but they are not mine, because of my stolen identity and Social Security number.