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

I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1. XXXX/XXXX/XXXX ACCT # XXXX 2. XXXX  XXXX XXXX ACCT # XXXX 3.XXXX XXXX ACCT # XXXX 4.XXXX XXXX XXXX/ XXXX ACCT # XXXX 5. XXXX XXXX XXXX ACCT # XXXX 6.XXXX XXXX XXXX ACCT # XXXX 7.XXXX/XXXX XXXX ACCT # XXXX 8.XXXX/XXXX  ACCT # XXXX 9. XXXX XXXX XXXX XXXX ACCT # XXXX # XXXX # XXXX 10. XXXX XXXX XXXX ACCT # XXXX 11. XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Contacted company ( C.A.C. ) in XXXX for vehicle title. 
Loan paid off XXXX. No response after several years of attempts. Finally XX/XX/year> was notified of error. 
After further research..was severely overcharged for financing, Breach of contract, falsely e-signed my signature of documents for add-on services. And claimed my vehicle was a total loss following a accident. But every filed report claimed " minor damages '' in which this action significantly lowered the value of my vehicle.
Product: Consumer Loan

I HAD AN XXXX LEXUS FINANCED THRU LEXUS FINANCAL XXXX. IT BURNED UP ON WAY HOME AND XXXX PAID ALL BUT XXXX OFF. I HAD PURCHASED A GAP POLICY FROM XXXX TOYOA, WHEN I BOUGHT T IT WAS A U.W.C GAP POLICY OWNE D BY XXXX XXXX THAY REFUSED TO PAY CLAIM OR REFUNF MY MONEY FOR IT I PAID TO RESOLVE BALANCE. LEXUS TOYOTA FINANCIAL IS RUINING MY CREDIT WITH LATE PAYMENTS AND COLLECTION ACTIVITYS
Product: Debt collection

Thank you for taking the time to review the complaint. After reviewing the credit profile, there's a series of medical bills displayed from Medical Data Systems. During the time of treatments, all coverage was considered in-network of coverage. If medical coverage wasn't covered, prior to scheduling no one gave an indication, offered any financial assistance. The series of collections continues to compromised credit score along with creditworthiness.
Product: Checking or savings account

As a former checking account holder for 10 years at Navy Federal, I have had numerous overdraft fees caused by insufficient funds due to their system not updating deposits and XXXX transactions promptly. I wasn't able to do anything on my behalf, but I was told I was responsible for paying the fee because of the delay in Navy Federal system. I chose to let My account close due to overdrafts constantly happening in XXXX, Over the span of 10 years, I can not give exact dates. If my previous account number is needed I can provide it to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was paid off by my insurance company and I should not have a open balance with them or the original company. I have asked this company to send me documents with my balance and the original contract and documents on how this account was even sent to a third party collector. I do not have a contract with this company so I dont owe them. The original company has removed the account from my credit report but this third party hasnt yet and continuously reports this inaccurate account. This is hindering me from getting credit because I don't have an account with them and the original company doesnt have a balance and this looks bad on my credit report. This account has been sold to several third party collectors without my consent.
Product: Vehicle loan or lease

During the month of XXXX I received an auto loan extension and was advised that the payment would be moved to the end of my loan and I would not be reported to the credit bureau. I was reported late and have been trying for over a month to get my credit fixed with the company. I keep getting the run around and mean while my credit has taken a hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer  contract and have been responded to repeatedly with verified as accurate without providing the requested documentation.I have specifically asked for an investigation and not an electronic or XXXX   verification and their method of verification but they continue to ignore my requests.
Product: Credit reporting or other personal consumer reports

Ive ask many times the creditors to provide me with proof and documentation that my account that they report on my credit report is 100 accurate, according to my knowledge its not even 80 % accurate, Ive ask them many time to proof me and send me documentation and they did never, according to the counsumer law in credit reporting, they need to remove this account from my report since they didnt provide me documentation and its not accurate, pls take this seriously and remove it from my report!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting a debt to credit report for a credit card that was opened in XXXX of 2018. Said account was not opened by me, authorized to be open by me, nor does this account belong to me. Ive been in contact with XXXX XXXX since learning of this account. Ive signed identity theft at XXXX XXXX request however this negative account continues to appear on my credit report. At one point, XXXX XXXX advised me that the account has been turned over to a debt collecting company, Gatestone. Ive spoken with Gatestone as well and told the account manager that this XXXX XXXX account does not belong to me, the account was not authorized to be opened by me, and I didn't have any knowledge of this account until reviewing my credit report. I was actually on XXXX XXXX and XXXX to XXXX when this account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notice from XXXX  XXXX  that XXXX XXXX XXXX XXXX pulled a hard inquiry on my credit report. The business is located at XXXX XXXX XXXX, XXXX, KY XXXX. At the time the report was pulled, I was working at XXXX and XXXX in XXXX XXXX Ohio. I haven't been to XXXX since XXXX. I called numerous times regarding this issue and they still haven't removed their inquiry. I explained to the company that I am on XXXX and haven't been outside of the State of Ohio since XX/XX/XXXX. It's been a couple of months since I last called the company and they still haven't removed their inquiry. 

I also received a hard inquiry from Credit Accept Corp/CAC on XX/XX/XXXX as a result of the XXXX XXXX credit pull. I asked XXXX XXXX about the pull and they told me that CAC is their financing department. I contacted CAC about the issue and explained that I haven't been to XXXX since XXXX and that I didn't give either company any permission to pull my credit. Like XXXX XXXX, they haven't done anything to remedy this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed the account XXXX from my report then inserted back on to my consumer report. I didnt give them consent or written permission to do so this is unfair and unequitable to me the consumer. This is not my account. Experian has not complied.
Product: Credit card or prepaid card

On XX/XX/2020 I received my statement and there was a charge that I questioned. Two days later I received notice from Capitol One that my account was closed. On XX/XX/XXXX I sent Capitol One the balance I owed, {$500.00}. On XX/XX/2020 I received a bill from Capitol One. I sent them notice that they ( Capitol One ) had closed my account in XXXX. 
In XXXX, and XXXX I again received a bill and again I sent them notice that they had closed my in XXXX. I have never received any reply from Capitol One.
Product: Debt collection

I have spoken with the mortgage servicer/Debt collected about not contacting me. My late payments were covered by hemap, I mailed them a copy of my letter and I still being harassed and told that foreclosure proceedings have begun.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Product: Debt collection

I moved out of XXXX XXXX apartments on XX/XX/2023. XXXX XXXX sent me a summary of move out charges that included : 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 ( only utility paid to XXXX XXXX ) I was not there after the XXXX and I paid the rent through the XXXX so I do not owe " utilities ''. 
- I asked for the invoices for the carpet cleaning, paint, and apartment cleaning, they provided invoices for the carpet cleaning and paint. These I paid. I did not pay the apartment cleaning because no invoice was provided. 
- The balance as of XX/XX/2023 was mistakenly charged to my account for required renter 's insurance that I had ( and had provided proof of to the company ). I have provided these email strings to both XXXX XXXX and Genisis I have provided multiple copies of the evidence to both XXXX XXXX and Genisis, and they have not provided any evidence that I owe this other than they billed me.
Product: Mortgage

Shellpoint Mortgage Servicing This is a two-part complaint against Shellpoint Mortgage Servicing, and XXXX XXXX  XXXX XXXX for the handling of my mortgage during my forbearance from XX/XX/XXXX - XX/XX/XXXX. The first complaint is with Shellpoint Mortgage Servicing ( SMS ). On XX/XX/XXXX, I applied for a forbearance. However, my mortgage was paid in full for all previous months including XX/XX/XXXX. Although, starting XX/XX/XXXX, I was unable to make the full payment, so I called Shellpoint, Loss Mitigation Department to speak with an agent. After speaking with him for several minutes and discussing several options, the agent advised me that the best plan to fit my needs would be the forbearance with a deferment. This would allow me to place all missed mortgage payments at the end of my loan. In additional to selecting the best repayment plan, the agent asked if I could make partial payments of {$220.00} per month, and on each monthly check write the month and state for the escrow payment only. I said yes, and I agreed. I made 11 payments of {$220.00} per month and I made one payment of {$220.00}, for a total of {$2600.00}. Please see copies of all checks. 

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Now, this takes me from XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX, I received an email from Shellpoint, Loss Mitigation Department. I was informed that the forbearance was ending on XX/XX/XXXX, and that I needed to pay {$5700.00} to bring my loan current. If I was unable to do this, I needed to contact Shellpoint before XX/XX/XXXX. Please see email dated XX/XX/XXXX. I did not contact Shellpoint, Loss Mitigation Department until XX/XX/XXXX, to discuss my payments because I wanted to wait until I received copies of the checks that I had paid to Shellpoint in the past. I did not speak with the agent again, but I did receive a letter date XX/XX/XXXX, the letter discussed payment options. Please see letter dated XX/XX/XXXX. In XX/XX/XXXX, I made an additional payment, please see check # XXXX, {$490.00}. I paid a grand total of {$3100.00}. Also, on XX/XX/XXXX, I received a letter from Shellpoint with a breakdown of how my money was used, but this amount does not add up to what I paid. Please see letter dated XX/XX/XXXX. 

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

unverified items listed below remain on my credit report in violation of Federal Law. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

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

I've recently received notification from the XXXX on behalf of the US Dept of Education that my application of XXXX XXXX XXXX XXXX has been approved and my loan is completely forgiven/discharged. 

The notification was also sent to XXXX on XX/XX/XXXX for it to process the forgiveness/discharge of the student loans in the amount of {$140000.00}. 

With all of the confusion, administration back peddling and lawsuits filed by or on behalf of XXXX challenging the student loan forgiveness programs ; I would like XXXX with this information to immediately zero out my loans, close the account, and report such to the credit bureaus as quickly and feasibly as possible. 

I filed a dispute with the 3 credit bureaus to expedite getting the reporting off my credit reports ; XXXX however verified that the $ XXXX balance was correct ; which is erroneous as of XX/XX/2022. 

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

Synchrony is reporting a incorrect credit score, XXXX, my score is XXXX. This company is creating hard inquiries on my credit, but advertising that it wont effect my credit, when in fact, it has.
Product: Debt collection

company calling, harassing with text. Already reported their number to FTC. 

Fraudulent debt collection. Repeated harassment via text and phone. I also feel this company targets lower income customers of mixed race and gender biased customers as they are easier targets. Being basically XXXX XXXX, I can tell my race makes them full of hate toward their customers, and it shows. I want nothing to do with these racists and tell them to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have am submitting my compliant myself, no outside agency or help.
Product: Mortgage

On XX/XX/XXXX I requested my " payoff '' from my previous Mortgage Company so I could refinance. I recieved it 7 days later on XX/XX/year>. They dated it for XX/XX/year> I closed on XX/XX/year>. It left overpaid interest of {$1800.00}. 
When I called the Mortgage company yesterday, XX/XX/year>, they said their policy does not pay back overpaid interest. It's wrong. I had to pay it to close & it dropped my mortgage interest from 7.50 % to 4.99 %. They are refusing to pay me my money back.
Product: Credit reporting or other personal consumer reports

delete inquires and associated accounts from my credit report all that were listed
Product: Credit reporting or other personal consumer reports

I sent in a fraud affidavit along with a police report to get information blocked due to the XXXX data breach and identity theft, but my affidavit was ignored by all three credit bureaus. Ive got the proof that the information was sent. They are violating section 605b of the credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and noticed unauthorized activity they should not be reporting on my profile. My information has hacked by a XXXX XXXX data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Please validate this information with these companies and provide me with copies o f any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number .While checking my most recent credit report, I noticed credit inquiries that I did not authorize, credit check made by the following companies : .1 XXXX  XXXX XXXX XX/XX/XXXX 2 XXXX  XXXX - XX/XX/XXXX 3 XXXX XX/XX/XXXX 4 XXXXXXXX XXXX - XX/XX/XXXX 5 XXXX - XX/XX/XXXX 6 XXXX - XX/XX/XXXX 7 XXXX XXXXXXXX XXXX XX/XX/XXXX 8 XXXX - XX/XX/XXXX 9 XXXX - XX/XX/XXXX 10 XXXX - XX/XX/XXXX 11 XXXX - XX/XX/XXXX 12 XXXX XXXX XX/XX/XXXX 13 XXXX XXXX - XX/XX/XXXX 14 XXXX - XX/XX/XXXX 15 XXXX - XX/XX/XXXX 16 XXXX XXXX XX/XX/XXXX 17 XXXX - XX/XX/XXXX 18 XXXX - XX/XX/XXXX 19 XXXX XXXX XX/XX/XXXX 20 XXXX XXXX XX/XX/XXXX 21 XXXX XX/XX/XXXX 22 XXXX XXXX  XX/XX/XXXX 23 XXXX XXXX XX/XX/XXXX 24 XXXX XX/XX/XXXX 25 XXXX XX/XX/XXXX 26 XXXX XXXX XX/XX/XXXX 27 XXXX XX/XX/XXXX 28 XXXXXXXX XXXX  XX/XX/XXXX 29 XXXX  XX/XX/XXXX 30 XXXX - XX/XX/XXXX 31 XXXX XXXX XX/XX/XXXX 32 XXXX XXXX XXXX XX/XX/XXXX 33 XXXX XX/XX/XXXX 34 XXXX - XX/XX/XXXX 35 XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove it from my credit report . 

The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I would like a schedule of payments that shows remaining balance on the loans and an expected payoff date. When I went to studentaid.gov I noticed my loan information at MOHELA doesn't match the loan information at studentaid.gov. One shows 14 separate loans, the other shows 10 separate loans. MOHELA 's website is very difficult to navigate and the information looks suspect. Every time I have tried to get in contact with them through their website " contact us '' page, I get the following message : " MOHELA is currently closed and unable to respond to your email at this time. We offer several self-help tools and access to your account information 24/7 online. You can also visit StudentAid.gov for general information or log in for information regarding your account. '' The self-help tools are not helpful for my needs, and the studentaid.gov site just refers me back to MOHELA.
Product: Checking or savings account

I initiated a dispute with USAA after I had my screen replaced on my cell phone. The merchant sold me faulty equipment. I provided USAA a copy of the receipt as well as a receipt from XXXX indicating that the equipment was faulty. USAA has repeatedly failed to communicate with my via the agreed method " My Documents '' my old checking account was reopened and on XXXX USAA forced a withdrawal from my account. I spoke with " XXXX '' in Deposits and banking on XXXX indicating my confusion she stated that I failed to respond to the request for information that was sent to " My Documents '' and that I failed to prove anything. I asked her to please point out where in " My Document '' I could find this communication she placed me on hold and proceeded to tell me that it was n't there. I asked her what the reparations would be since I am unable to use my account she said the only thing she could do would be reopen the claim but it was unlikely to do any good. I repeatedly asked her how this was right because I was not able to respond to a request for information if I did n't receive the request. She declined to answer. When I continued to push for a response she repeated if there was anything else. I again asked her how was USAA going to fix this she declined to answer. I asked for a manager she refused and said that they would only re-open the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I a victim of identity fraud and misinformation reporting to my credit report. There are 2 accounts on my credit that dont belong to me. 
1. XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00}. I have written disputes to companies over the years regarding this account. 
2. XXXX XXXX Hospital opened on XX/XX/XXXX, with a balance of {$770.00}. Ive had insurance at my job for over 20 years, theres no way I would ever have a hospital bill. This is fraud and I think someone used an old lost/stolen ID of mine.
Product: Credit reporting or other personal consumer reports

I am submitting this report to formally state that I have been a victim of identity theft. Recently, I discovered unauthorized activities and transactions that I did not initiate or approve. This includes inquiries and financial obligations in my name that I was completely unaware of. I have never shared my personal information for the purposes that these fraudulent activities suggest, nor have I consented to any third parties to use my identity in any form. I have taken steps to secure my accounts, including changing passwords and notifying financial institutions. I am actively monitoring my credit reports for any further suspicious activity. I request that the fraudulent entries be investigated and removed from my credit report to reflect an accurate credit history. This situation has caused significant stress and potential financial harm, and I am eager to resolve this promptly and prevent any future occurrences of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX