23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I asked for a payday loan on XX/XX/XXXX, I WAS NOT INFORMED THAT THEY WOULD RUN A CREDIT CHECK, I have A HARD inquire on my credit file. 
The monet was deposited to my checking account on XX/XX/XXXXAND THE WITHDREW XXXX onXX/XX/XXXX the loan was paid in full! 

But to date, the account XXXX shows as having an outstanding loan, I have a copy of a chat, on XX/XX/XXXX an email sent onXX/XX/XXXXanother chat XXXX ... and went to the local store ... nothing but the run around .... 

I am asking that they CORRECT, their database ... I paid the loan IN FULL XX/XX/XXXX 

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

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Had my credit report pulled and found information pertaining to a false XXXX report out of XXXX Never lived there nor visited the State. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I complain about Equifax charging me 3 times. I had to cancel my card because they said didn't but the credit company said otherwise. Now they have dropped my score almost 100 points different from the other 2 credit bureaus. I have very good credit. I have tried to sign on/create a new account and it will not let me. Was denied an XXXX XXXX card with XXXX. I already have a XXXX account in great standing. Equifax told them I had defaulted on a previous XXXX  card which is wrong. If you try to call them, they put you on hold, let you sit there for the agents don't know what to do. You have no defence with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a inquiry that I do not know about on XX/XX/2023 I never applied for
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX {$5200.00}
Product: Credit reporting or other personal consumer reports

I RECIEVED A NOTICE FROM YOUR COMPANY A XXXX XXXX  Account was opened on XX/XX/XXXX with a loan agreement electronically signed by XXXX XXXX that stated 24 monthly payments of {$25.00} were due beginning on XX/XX/XXXX. 

REPEATEDLY I KEEP FILING A COMPLAINT BECAUSE THIS IS NOT MY ACCOUNT NOR DID I EVER GIVE ANYONE MY INFORMATION TO SIGN A ELECTRONIC AGREEMENT THIS IS A FRAUDULENT ACCOUNT NOT AUTHORIZED BY ME NOR DID I GIVE CONSENT FOR ANYONE TO USE MY ACCOUNT INSIDE I ATTACHED A COPY OF A POLICE REPORT Account name : XXXX XXXX XXXX  Consumer Financial Protection Bureau Complaint Case # XXXX
Product: Credit reporting or other personal consumer reports

Someone used my social security information to secure loans and products from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fraudulently. I submitted XXXX police reports six times 6X 's to the agencies and Major 3 credit reporting bureaus, XXXX, Equifax and XXXX with Notarized Affidavits sent certified postal service that continue to not be unacknowledged and acted upon.
Product: Debt collection

I am writing to formally request validation of the debt claim I owe, As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.1692g. Please provide detailed documentation to verify the validity of this debt, including XXXX. Name and address of the original creditor. 
XXXX. The amount of debt, including a breakdown of fees, interest, or other charges. 
XXXXCopies of any signed agreements or contracts proving I am legally obligated to pay this debt. 
XXXX. Proof that you are legally authorized to collect this debt. 
XXXX. Any previous statements or records related to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Ive contacted Experian multiple times about to delete inaccurate information on my consumer report but they yet to satisfy the problem because Ive had rude supervisors and unwillingly to help resolve this matter by telling me lies and not being direct and honest and continue to violate my consumer rights and failed to follow up with the fcra laws which causes damages to me a consumer/natural living person great harm financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX has attempted to resolve the incorrect and inaccurate information reported on my consumer report and have no success. They are in violation of subchapter of FCRA15 U.S. Code 1692g - Validation of debts they have yet to validate any of these alleged debts, they are in violation of15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

they have yet to provide me with a copy of my written instruction. they are also reporting alleged late payments which is in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Debt collection

Interstate Credit Collections was sent a debt validation request letter and in it I requested the information which is allowed by FCRA and FDCPA. The info they sent me was a barely legible print out copy of a statement which did not even have their company name on it. This company claims I owe them money and they have been falsely reporting this on my credit files with the XXXX major bureaus. I have always sent my correspondences to them certified mail return receipt request but they have yet to provide me with any debt validation but then the company verifies with the credit bureaus, but not me. Not to mention the paper copies they have in their posession list my entire medical history, diagnosis and treatments which is a violation of my HIPAA rights. I never gave Interstate credit collections authorization to have access to my medical history. They are a collection agency that I did not sign a contract to do business with. They claim I am using a credit clinic and they are not going to put up with any more of my requests but I am not using a credit clinic and they are refusing to validate the requests I sent them, Under the law if the collection agency can not validate then the negative information needs to be deleted immediately. They are reporting un-validated false information.
Product: Debt collection

Received several letters from Rash Curtis & Assoc. stating they were attempting to collect a debt. I requested debt validation in accordance with 15 USC 1692g. The debt validation letter was mailed certified and Rach Curtis & Assoc. confirmed receipt of the debt validation letter in their reply. They have violated my rights, the Fair Debt Collections Practices Act, caused me stress, and defamed my character.
Product: Debt collection

I have made several attempts to resolve things with Experian Information Solutions but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is an attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent XXXX XXXX and XXXX XXXX. 

Please see attached letter and ID theft report for the list of accounts and inquiries to remove and update late payments to 100 % paid on time
Product: Debt collection

Already made an complaint against the company. Since then Navy Federal Credit Union switched the title of the loan account as Consumer Loan and not the vehicle loan that it was orginally labeled. This was so they can illegally transfer payments from one loan account to another. All payments that i made towards the vehciel loan was labeled so on the money orders. I have all copies of every money to include the certified mail statements.

I now do not have access to see statements at all or other accounts. The complaint that I made before was XXXX. This company has done me more harm than good. Veterans need to stay away. All of this has caused a lot of anxiety, depresssion, and I can't take no more.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To : Experian Fraud Dispute Department Subject : Fraudulent Accounts Removal Request Dear Experian Fraud Dispute Department, I, XXXX XXXX, am writing to request the removal of the following fraudulent accounts from my credit report. I have included a new Identity Theft report that contains unauthorized items and creditors. 

FTC Report Number:XXXX Account Details : - Creditor : XXXX XXXX XXXX Account Number : XXXX - Issue Type : Account ownership and fraud issues- Issue Description : This is not my account, and I am a victim of fraud. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : 1. Identity Theft Report Thank you for your assistance. 

Best regards, XXXX XXXX
Product: Debt collection

I was the victim of Identity Theft. An account with XXXX was opened under account number XXXX with my information. I was sent notice from XXXX collection agency that {$1600.00} was owed. I filed a police log and informed XXXX, XXXX and XXXX that this is not my debt and is fraudulent.
Product: Checking or savings account

I signed up for a new account with BMO Harris Bank XXXX XXXX XXXX XXXX It took almost 3 hours to verity me over the phone. I had to send many documents and answer many questions over the phone. The next day my representative asked me for my account numbers for me to transfer my funds to them. Then they sent me many documents to sign over a portal. However, when I tried to sign up on the online portal I have run into many problems. First, their online portal refused to send me a code after Friday. Then on XX/XX/ a representative gave me a temp password to sign up online. The system did not allow me to finish the process. So, I waited until Monday XX/XX/ to call back. I was on the phone for several hours trying to sign in. It allowed me to sign in only by clicking on forgot password. After being on the phone the repXXXX told me she would call me back today XXXX XXXX XXXX So, I called and spoke with several reps. The first one was very Rude. The second one XXXX was very nice. The online banking has locked me out a would not verify me. However, it would send me texts messages and emails saying that a unauthorized device was trying to sign in my account. Then it was saying all day that it did not even recognize my information. When I tried back a rep in the escalation dept was EXTREMELY MEAN AND RUDE TO ME!!!, l just got off the phone with XXXX who just mostly defended her co-workers attitude towards me. This bank took my money and allowed me to open up account 's and then refused to allow me access to my accounts with my money in them. Then they disconnected the calls and then wrote in my account that I hung up and I was not verified! That is a lie! They did this purposely I feel to get my accounts open to their advantage and then refused to verify ... Although they are saying that I hung up! I have been trying to access my accounts to see if my money is okay. Imagine someone saying they need your money to open your account... Then taking your money and then refusing to let you get to your money. This has been a awful experience dealing with them! I am requesting all phone records be pulled from XX/XX/XXXX, XXXX, XXXX, XXXX. Then she said that I called 20 times today ... Which is another LIE! The accessed my account to make it look like I called 20 plus times. They should have never let me open a account then demand my money if they did not believe I am who I say that I am!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

SCA Collections has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ILLEGALLY ATTEMPTED TO EXTRACT MONEY FROM MY OLD CREDIT CARD FOR SERVICES I DID NOT REQUEST. THEY WILL NOT LET ME ACCESS MY CREDIT REPORT AND I AM UNABLE TO CONTACT THEM TO INFORM THEM. 

EXPERIAN PUT AN ILLEGAL VICTIM STATEMENT ON MY REPORT. ( INCLUDED IN UPLOAD ) I DID NOT DO THIS AT NO POINT IN MY TIME. 
THE VICTIM STATEMENT HAS PREVENTED ME FROM OBTAINING CREDIT FROM SEVERAL DIFFERENT VENUES. 
ALL THIS IS ILLEGAL ACTIVITY BY EXPERIAN
Product: Mortgage

Called CitizensOne to request removal of PMI after viewing XXXX % LTV on mortgage statement website. We received denial letter because " Loan is not at XXXX % LTV '' letter states " XXXX Appraised value and current XXXX balance which is XXXX % LTV. Also instructed to bring balance down to $ XXXX which is XXXX % LTV?! '' When we questioned CitizensOne the rep said the XXXX is a mistake and they need to use an AVM from earlier the same year. They also said I would need to provide the full XXXX appraisal, which had already been used as a means of denial for PMI removal. 
The same letter also stated that I could order a new full appraisal at my own expense, from XXXX ( and only those XXXX ) companies. Research shows several fraudulent cases on both companies specifically centered around housing appraisal fraud. 
I do not feel comfortable, and i feel I am being forced to use XXXX of these XXXX MORTGAGE COMPANY suggested appraisal companies. 
Multiple phone calls have yielded phone calls and voice mails, each with more incorrect data. We also have copies of XXXX conflicting voicemails regarding the same loan with different amounts as balances. We are going off the letter from Citizens One, which reflects the closest to our online statement. 
Customer service rep also made remarks about me being an XXXX and that this seemed " suspicious '' I explained I was not an XXXX at Citizens or a subsidiary for several years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy in there files. I sent the results of the investigation to Transunion on numerous occasions and they responded XX/XX/21, XXXXwith file # XXXX verified as accurate and NOt specified on XX/XX/21 file # XXXX from data furnisher. How can Transunion verify information that does not exist in there files, letters enclosed. Transunion seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending a computer generated response.
Product: Vehicle loan or lease

i am writing today in hopes that you can retract the 30 days late you have reported me at the end of my lease on XX/XX/2018. 
here is what happened i returned my viehcle to my dealer once i did that i had thought that there was no payment due so i didn't make any further payments. 
i dont think that i got any statements after i gave back my vehicle if you sent any because if i had received it it would have made my payment.
Product: Debt collection

They have apparently been sending emails to my husband. I went through a bankruptcy back in 2019 and XXXX was apart of it. I have not opened an account nor approved an account with them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX, I reached out to Honda Financial because I realized that the amount owed to them was reflecting as over {$13000.00} when I only owed {$1100.00} on a collection account that had been out since XXXX. I spoke to an agent at Honda Financial who quickly corrected the information. Within a few weeks, the information was provided to all 3 credit bureaus. XXXX and XXXX  updated my information and it helped increase my credit score substantially. Unfortunately, XXXX reported this change as a new charge-off account, which was not the case and it dropped my score dramatically from XXXX down 75 points to XXXX. As soon as I noticed the drop in my score I reached out XXXX  shortly after XX/XX/XXXX. I spoke with an agent who stated that there was nothing that they could do as the system just takes the information provided by the creditor and factors it into its algorithm. They suggested I reach out to Honda and have them make changes to the account and that may help. I called Honda and paid the amount owed XXXX {$1100.00} XXXX in hopes that this would help ; it did not. They just reported the payment and XXXX  just updated the remarks to " Paid Charge-Off '' ; my score stayed the same. I called both Honda and XXXX a few more times and got the same answers from both. Eventually, I gave up since it seemed none of them were budging. I figured that I'll let time correct the issue. Recently on XX/XX/XXXX, I tried submitting an online request to remove the account since I'm only a year away from it being removed from my account. Unfortunately, that led to my score dropping another 18 points after having gone up to XXXX. I called Honda once again today XX/XX/XXXX spoke to an agent who stated that they can not remove trade lines from my report and all they can do is provide an updated report showing the dates of the payments. I don't think this will help and would like the Honda Financial account removed altogether and my score returned to over 660 for XXXX.
Product: Checking or savings account

I paid a " contractor '' {$250.00} to repair my drywall & shower leaking. He started the work & then never came back. He did a terrible job on the drywall repair, which I had to re-do myself. He also was supposed to replace my shower cartridge. He did not know what he was doing & destroyed my shower cartridge. He refuses to answer my phone calls & messages & also ignores my text messages. Santander bank ( the bank I got the XXXX from ), will not reimburse me the {$250.00}!!! 
I tried calling contractor several times & left several messages & text messages, he refuses to answer. His name is XXXX XXXX & his cell is XXXX. 

I called the bank 2 times & they said it was between me & the contractor. I used the XXXX connected to my checking account, however I did NOT do a debit, I did a charge transaction. 
Santander bank refuses to reimburse me the {$250.00} This is fraud & the bank should stand behind their credit cards, like all good financial institions do!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX year old Private client of XXXX  for over 26 years. I previously put five of my personally own companies accounts through XXXX  in XXXX, CT XXXX. For 26 years I have had a XXXX XXXX  Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per XXXX suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the XXXX card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called XXXX cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave XXXX a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that XXXX har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called XXXX XXXX Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that XXXX would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from XXXX about the card. I want the incorrect implication in my credit files removed immediately!
Product: Credit reporting

I am buying a home with the closing scheduled for XXXX XXXX, XX/XX/XXXX. When my loan officer recently tried to access my credit report info with XXXX and Equifax, he found that I was classified as DECEASED on XXXX agencies ' records. This apparently happened when XXXX Bank reported my husband 's death in mid XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both XXXX and Equifax indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. XXXX agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.