23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted the department of education years ago when they started selling my accounts. they started reporting false information regarding my balances owed. this account was opened XX/XX/year> and was sold. They told me they would zero out the high balances because the new company would report the correct balances. 
Now the Department of Education is reporting {$3000.00} on XXXX, {$2500.00} on XXXX and {$0.00} on XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
I have a collection account which still shows as a collection account but the account has been settled and closed from the collection company, account was settled for an amount and amount settled for paid-off in full and so collection should be removed from my record saying its a collection account and i still owe the account when I don't. 
collection account name : XXXX XXXX XXXX this account has been settled and paid-off
Product: Vehicle loan or lease

I am requesting a letter of explanation for the car loan I received in XX/XX/2012 in which I still have a balance of {$7600.00} and I have paid a total of {$27000.00}. Why was my lst eight payments applied to the interest and only {$39.00} applied to the principle. See attachment. My payments have not been applied to the rules according to ( GAAP ) General accepted accounting principles. After reviewing my payment history, I see that my payments have been applied to the interest incorrectly. See attachment. The payment history shows months of no payment going to the principle.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : 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 - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX,
Product: Debt collection

I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written VOD from both of the collection agencies/law offices and the original creditor. I requested VOD over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my CBR as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my CBR immediately.
Product: Credit reporting or other personal consumer reports

Experian out of the blue dropped my credit rating XXXX points over " routine maintenance " headings. They have no explanations for or calculations of available. This should be repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 




XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX  XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  equifax XXXX  will not give my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Mortgage

A XXXX mortgage firm, dba Nationstar Mortgage LLC refuses to produce the XXXX document required in escrow to finalize the sale of my property. This has been going on for over 6 months! The loan officer, the escrow officers, the seller ( me ) and the buyer have placed calls to Nationstar to request this form. We can not find a person who even acknowledges knowing what we are asking for. Its as if this form has never been requested before. In speaking with XXXX XXXX, Foresite Escrow, she ca n't understand why calls are not answered or returned, nor can the loan officer understand the failure to return his calls. They wo n't return my calls. Yesterday I spoke with three different customer service staffers who refused to connect me with an officer who could finalize this problem. I was on hold for over an hour, then they disconnected me. This same procedure happens every time I call. 
What can I do to sell my house and pay off this loan when they refuse to produce the XXXX document for the escrow and title people? They are the most unprofessional business I have dealt with in my entire life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 looking at my credit report I see XXXX items under my name from a collections agency name CONVERGENT OUTSOURCING but shows original name as XXXX  i tried to file a dispute with the collections agency which is not having anything research AND THEY ARE POSTING INACCURATE INFORMATION ON MY CREDIT REPORT FIRST OFF I NEVER RECEIVE A NOTIFICATION LETTER to inform me secondly I've never had a XXXX  account ive filed several police reports on this it shows XXXX and XXXX & and yet XXXX still sends my account outsourced which the debt is not owed on my behalf which is a violations to the fdcpa please remove all negative marks off i do not owe this debt this is a violations of the FDCPA
Product: Consumer Loan

I had a loan for my XXXX thru Honda Financial Services. I had automatic bi monthly payments set up thru XXXX for a 5 year loan. I ended up moving in XX/XX/XXXX and called Honda Financial to change my address. They started sending me monthly statements to my new address. I stopped receiving statements in the mail approximately a year ago. I did n't have an online account set up or emails set up where I could easily access my statements. I thought my automatic payments would end in XX/XX/XXXX. I called Honda Financial in XX/XX/XXXX to find out when my car will be paid off. Honda told me my car was paid off XX/XX/XXXX and I should have gotten my title. I never received my title and found out my automatic payments of {$130.00} were still being automatically deducted thru my XXXX checking account thru XX/XX/XXXX. I called Honda Financial and they had my old address on file, stated my title was originally sent there and it was eventually forwarded back to Honda. They told me I had to contact XXXX to have my automatic payments stopped and have XXXX reimburse all of the payments made to Honda after XX/XX/XXXX. They also told me I had to get a release of lien from the DMV to apply for a new title. I had to make multiple phone calls to XXXX and Honda to try to get this resolved. Whenever I called Honda I would get a different rep on the line and would have to explain the situation every time, sometimes getting different information from each rep. One rep was able to find out that they had my car title on file at Honda and they could mail it to me at my current address, which was different from what another rep told me before. XXXX told me they would only be able to go back 60 days of payments made in error and would reimburse me for the payments within those 60 days. I have to ask Honda to reimburse me for the remaining payments. I called Honda again after I talked with XXXX. XXXX said that so far they have record of XXXX checks that were mailed to my old address. They owe me 3 payments of {$130.00} after the money XXXX reimbursed me. They said that for each payment they have to research to see if the check was cashed first. If the check was n't cashed then they could send me a new check to my current address. The total that is owed to me is {$1000.00}. XXXX was able to reimburse me {$680.00}. Honda still owes me {$410.00}. I did finally receive the title in the mail. I 'm afraid they still do n't have my correct address on file because every time I call Honda they ask for security what my current address is and they tell me that they only have my old address on file. Each phone call I gave them my current home address, but it was never changed in their computer system. I asked last week to talk with a manager and they said one will call me back. I so far have n't received a call from a manager. I would like to be reimbursed the amount owed to me with interest. I find it very frustrating that I have to call a big call center at Honda, talk with different reps each time and not have anything resolved at the end of the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX is blocking my credit file. 
I am attempting to dispute. XXXX XXXX XXXX XXXX collection accounts and XXXX XXXX XXXX and National credit adjusters I want these 3 companies disputed as follows : I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Please govern yourself accordingly!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED MULTIPLE ROUNDS OF DISPUTES, SPEND TONS OF MONEY TO ENSURE THE FRAUDULENT ACCOUNTS ON MY CREDIT ARE REMOVED, UNFORTUNATELY THEY HAVE NOT BEEN REMOVED. PURSUANT TO FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a XXXX Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer I HAVE PROVIDED ALL THIS INFORMATION EVERY DISPUTE, WITH ZERO RESULTS. I WILL BE GETTING A LEGAL ATTORNEY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised because of an equifax security breach. I had previously contacted experian, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that a pull on my credit file is factual and true. On today, XX/XX/XXXXI was told the same thing from Experian, after XXXX confirmed that my  information was stolen. Someone has clearly been trying to use my information to open accounts. Experian is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Experian has violated the FCRA. I was transferred to a supervisor, she did nothing for me. She just repeated the same script about inquiries being factual. I know that my information has been affected by a breach now. I am certain these inquiries are fraudulent.
Product: Debt collection

Received a notice in the mail on XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX for a debt of {$400.00}. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for {$300.00}. The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for {$320.00}. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history. 
Unexpectedly on XX/XX/2019 I received a letter from Radius Global Solutions, XXXX requesting {$79.00} for the balance owed to XXXX XXXX XXXX XXXX XXXX. Infuriated that XXXX would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted Radius Global Solutions, LLC and spoke with XXXX. I explained to her the situation and asked her if they could review my call with XXXX to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with XXXX and I would receive a call back. The {$79.00} is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so today XX/XX/2019 I called Radius Global Solutions, LLC again at XXXX requesting an update and the representatives are telling me they can not locate an account for me. This debt of {$79.00} has significantly decreased my credit score and  I want it removed! Please help me! I feel helpless.
Product: Prepaid card

I purchased a prepaid Serve American Express at XXXX at checkout something was n't was n't standing correctly and they had to bring up the card and at which point they told me it would be active it was supposed to automatically be ready to use and apparently it was not scan properly and when I tried to take it back they told me to call the Washington State financial institutions when I called American Express and they asked me for copies of the receipt copies of the Box copies of the credit card so on and so forth copy of my ID and so far I 've heard nothing back from them and spent {$200.00} for nothing
Product: Credit card

XX/XX/XXXX - Home Depot credit card statement received with three charges, two of which were fraudulent/unauthorized. Immediately contacted Home Depot fraud hotline to report unauthorized charges. Representative XXXX took report and cancelled card. 
XX/XX/XXXX - received confirmation letter from Home Depot acknowledging receipt of fraud claim and instituting investigation. 
XX/XX/XXXX- received another letter from Home Depot again confirming investigation proceeding and indicating they would contact for additional information. 
XXXX early XX/XX/XXXX - multiple phone calls made to Home Depot security operations regarding status of claim. Advised investigation pending and no request for further information from us. 
XX/XX/XXXX - received letter from Home Depot advising " facts and/or information reviewed does not substantiate the claim of unauthorized use of account and determined that we are responsible for the charges in question ''. Upon receipt of letter contacted security operations at XXXX requesting specific basis of denial and what further facts they are requesting from us. None requested but advised their records show a credit card was not used in questioned transactions. Representative indicated the investigation would be reopened. 

XX/XX/XXXX - Letter received from Citi-Home Depot indicating account is past due. 
XX/XX/XXXX - received EXACT SAME form letter from Home Depot as received on XX/XX/XXXX denying claim. 
XX/XX/XXXX - filed Identity Theft report with Federal Trade Commission ( report # XXXX ). Contacted XXXX at Home Depot Security Operations to advise of filing with FTC and received address and fax number for Home Depot fraud research department. Advised investigation again reopened. 
XX/XX/XXXX - sent fax to Home Depot Security Department XXXX with copy of FTC identity theft report. 
XX/XX/XXXX - mailed letter to Home Depot fraud research department ( as per attachment ) denying charges in question were made by us and demanding our file. 
XX/XX/XXXX - received letter from Home Depot confirming investigation again reopened. 
XX/XX/XXXX - letter received from Citi-Home Depot indicating account past due and threat information may be reported to credit bureaus. 
XX/XX/XXXX - letter from Citi-Home Depot requesting payment. 
XX/XX/XXXX - letter from Citi-Home Depot again requesting payment. 
XX/XX/XXXX - form letter received from Home Depot same as previous letters stating investigation does not substantiate our claim and we are responsible for charges and investigation complete. File never received as requested and no additional information requested of us. 
Numerous calls requesting payment ; relate to rep our denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the letter that's attached ( Violation Fair Credit Reporting Act ) ...!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. If account status is inaccurate and payment history is inaccurate.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

The Credit bureaus did not take my request for the re-investigation seriously for the 2nd time.

There our a total of One hundred twenty three ( 123 ) violations.

They have continued to violate my rights every and time.
Product: Debt collection

In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights to privacy. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I was notified that my job was laying me off while on XXXX, I was not told that I need to sign documentation regarding my severance PRIOR to me taking a new job. Employer did not give me the severance package indicated in my emails. My house is now in foreclosure - I found a new job and I have the money that is currently owed on the loan but the legal fees is keeping me from reinstating my loan.
Product: Credit card or prepaid card

Today, XX/XX/XXXX, I contacted chase with the issue that I had a loss of income and they transferred me to the collections department, they told me that they could not help me because I had no arrears in my account, I think this bank should create Ways to help people who in this pandemic have had a loss of income plus a dovorcio, they also lowered the line from {$4800.00} to {$3500.00}, which negatively impacted my credit history.