23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pulled my credit report and this company has me in collection. I never signed an agreement with XXXX  stating they can share my personal information. I contacted XXXX and they have no reason that I should be in collections with this collection company. I currently have XXXX XXXX. This company has made false collection action and has affected my credit negativity CCS COLLECTIONS Last reported XX/XX/XXXX {$220.00} Open balance XXXX XXXX Original creditor Opened Account status Type Responsibility XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open I never had XXXX
Product: Debt collection

I noticed this morning that my XXXX XXXX dropped XXXX points so I pulled up my credit report and it says I owe {$16000.00} in collections for Palm Breeze Apartments. The credit company is called XXXX XXXX XXXX. This was not me and was the result of identity theft. I contacted the XXXX XXXX XXXX but they have not returned my phone call. It says the amount is in collections. I also have addresses attached to my credit report that are not mine.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) 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 WRTTEN instruction of the consumer whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The following inquiries were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have discovered multiple accounts on my credit report that I do not recognize, suggesting potential identity theft, as I never authorized these accounts. I previously reported this issue and now formally request their immediate removal. These unauthorized accounts are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been challenging, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I urge you to address this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan mean to build my credit through MoneyLion. The loan they offer is called the MoneyLion Credit Builder Plus Loan. The entire purpose of the loan is to boosts a consumers credit score. I didnt event get the entire loan up front as part of the terms of the loan is that a portion of it will be held in a reserve and will not be spendable until the loan is paid off in full. During the entire term on this loan I did not see an increase in my credit score like they said it would do. towards the last few months of the loan term I had gotten a new debit card and had forgotten to update it for the MoneyLion loan. Once I realized this I immediately paid off the entire renaming balance with a part of my reserve they were withholding. This was 2-3 months after changing my debit card. I was never told the account was being wrote off, they state they wrote it off in XXXX but I paid the entire balance on this loan in XXXX. There were no messages in the app saying the account was closed, it still showed open. I had no idea as I didnt even get a letter or fair warning they were writing it off. They then put on my credit files that the loan was paid in full but listed as a written off account. They have done the exact opposite of what the loan was meant for. This loan was suppose to help me build my score as they advertised and promised and instead has caused a damaging impact to my credit score, and has made it extremely difficult for me to get accepted for any other financial products. Ive tried disputing this multiple times and they tell me they refuse to remove it from my file. This is the biggest scam and a complete lie of a loan program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.
Product: Debt collection

I receive constant daily voice mail to contact this collection agency. I do not owe any money to anyone and have great credit. I know this is a scam and I am on the FCCs DO NOT CALL list
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 i vied my credit reports, and seen that ALL THREE credit bureaus were reporting false and misleading information on my credit reports, therefore i contacted the bankruptcy court in XXXX Ga, and talked to a court rep, who stated on a recorded line that the courts DO NOT REPORT TO CONSUMER REPORTING agencies, which is a FCRA VIOLATION, but she stated that the information is public and that's how the consumer reporting agencies get the information, which is a violation of my privacy pursuant FCRA laws. for only I the consumer can give permissible permission to report ANYTHING on my credit reports and only i the consumer can VALIDATE any information reporting on my credit reports, so knowing that the information was fraudulently used from PACER database by a third-party consumer reporting agency which is breaking federal laws and violating my privacy as a consumer, this information needs to be deleted from my credit reports immediately! I mailed all three credit bureaus letters on XXXX and have not heard anything from them or the investigation into this matter which is another violation of my FDCPA and FCRA rights as a consumer, i am filing this complaint today, on XXXX, EXPERIAN, XXXX for reporting false and misleading information and they are committing fraud by doing so!
Product: Mortgage

On XX/XX/24 my home in Florida was substantially damaged by Hurricane Helene. My mortgage balance is less than {$79000.00} and the value of the home pre-damage was well over {$300000.00} and post-damage well over {$150000.00} ( with no repairs ). The insurance company sent me a check for {$100000.00}. This check was sent to Chase Mortgage, current lienholder, and they in turn sent me a check for {$50000.00} still holding {$58000.00} in escrow ( only gaining .01 % interest ). A supplemental check in the amount of {$7200.00} was refused to be endorsed at the branch - having to send to Chase. This means Chase will hold ~ {$65000.00} which is 82 % of what I owe. Chase should be calculating the check back to me based on what I owe - not what the check ( s ) were for. I now have not enough funds for the deposit to start work - can not sign a contract until I have those funds and Chase is not willing to help unless I send the signed contract - they state " they will try '' without the signed document. Not to mention the amount of money in interest they are making and not providing back. I tried to explain how the funds should be calculated but it did not help. 

Also their number is listed as spam so any incoming calls can not be answered from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, is reporting my account, as 30 days late, which this account was paid off and had an issue with personnel taking a payment, and was harassed, to which I had to speak to the corporate office. I was not informed that this issue would result in a late payment as it was not my fault. I have called and spoke to XXXX XXXX several times and have since learned that they are involved in a class action suit due to their abusive collection practices. I have since received a call after reporting them to XXXX  and XXXX XXXX and XXXX  and XXXX XXXX did remove this account, but Experian refuses to remove it or to validate this account. as a result, it's keeping my Fico score with only Experian low. Experian FICO score rating is at least 64-94 points lower than my other credit bureaus scores. Also Exoerian is refusing me to dispute this account on their website.
Product: Credit reporting or other personal consumer reports

XXXX XXXX illegally and being in tensionto bring up charge off closed account to active account in over XXXX years, this account is XXXX XXXX XXXX charge off account, collection is not reporting accurate credit report and intentionto abuse consumers credit reports.I repeatedly challenging credit bureaus and collection agency to fix this problem, but they refused to fix it and I am not taking any more chances talking to them to fix this problem, please CFPB to take this a serious action and looking for penalty at the collection and Equifax and XXXX, I demand to remove this wrongfully abuse collectionoff my credit reports.
Product: Mortgage

Home equity loan as of XX/XX/2006 I owed : {$66000.00} My monthly payments : {$360.00} Made payments for 15 years and the Loan balance has not gone down.

Interest rate locked at XXXX XXXX All payments seemed to only be credited to interest and none to principle. 
Outstanding loan balance has not changed. 
I have paid over {$52000.00} in payments and none was applied to paying down the loan. 
All payments seemed to only apply to interest. 
VERY FRUSTRATING and UNFAIR. 

During Covid LOST JOB and could not make payments. 
Now they want to foreclose on my XXXX XXXX property.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of loans, a credit card, and any other accounts from : XXXX with a balance of {$650.00}, XXXX XXXX XXXX  with a balance of {$400.00}, XXXX XXXX with a balance of {$3000.00}, XXXX XXXX  with a balance of {$1300.00}, XXXX XXXX XXXX XXXX with a balance of {$28000.00} and another XXXX XXXX XXXX XXXX with a balance of {$650.00}. 

The accounts in question have led to multiple hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have provided a list of these fraudulent accounts reflected on the report maintained by your agency. I do not recognize these accounts, collections, or hard inquiries as reported. None of these accounts, collections, or hard inquiries were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. As evidence, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, confirming that all the mentioned accounts, collections, and hard inquiries are linked to identity theft and fraud, as verified by the XXXX Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TRIED TO GET THESE COMPANIES TO REMOVE THE XXXX INTEMS FROM MY REPORT, I HAVE SENT DOCUMENTATION OF BEING THE VICTIM OF IDENTITY THEFT
Product: Mortgage

A company called servi solutions contacted me via mail and claimed my loan had been transferred to them. I then received a bill from my original lender and this new lender raising my concern. I called both companies. My original lender had no record of it being sold and warned me not to send anyone else money unless I received a letter from my current company stating they transferred my loan. I called servi solutions and a woman told me dates it was bought and transferred and seemingly sounded very trustworthy. I called my dad for advice, he said it could be a scam, and looked up servi solutions on bbb and they had an F rating. I decided not to servi solutions money because it seems like a scam. I 'm worried they will start harassing me for payments and something bad could happen. The next payment is due in XXXX 2017.
Product: Debt collection

I received an alert XX/XX/XXXX that a collection item was put on my credit report. I pulled my report from the reporting agency that sent the alert, and it was XXXX XXXX. I have not received any letters certified or otherwise, an itemized bill showing that I owe this debt. This company just took it upon themselves to report this information on my credit report without allowing me to dispute it. There was a lie placed on my report stating that the debt was opened on XXXX credit report XX/XX/XXXX. I didn't have service with XXXX in XX/XX/XXXX. I didn't have any collections on my account from this company. I check my credit report all the time. This collection item has brought my score down, and has held me back from taking care of repairs on my home. Also, I've been receiving calls from a number that I am not familiar with. When I call the number back, there is a recording stating that the number is unknown. In the past, the collection agencies use these numbers to call consumers. I've never talk to this company before, so I haven't given out my number.
Product: Payday loan, title loan, personal loan, or advance loan

I wanted a publish report of the whole inquiry that went down with the finance charges are already being charged. Why would they apply to the account when theyre not supposed to be
Product: Credit card or prepaid card

The company has not responded to there closing my account for no good reason. They wanted access to my tax records and I told them they aren't prevy to my information, that no other company ask for records and they shouldn't either. It's not there business. So they got made and closed my account. I call that questionable business practices
Product: Credit card

=Kindly ensure the removal of inaccurately reported accounts from my credit file as mandated by FCRA 605B. Could you please review the documentation? The presence of these erroneous accounts is causing me distress.
Product: Credit reporting 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 XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS 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. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$1100.00} XXXX XXXX  : XXXX -- -> : {$250.00} XXXX XXXX XXXX : XXXX -- XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX -- > {$2200.00} XXXX XXXX XXXX XXXX XXXX -- > {$140.00} XXXX XXXX XXXX XXXX : XXXX -- > {$3100.00}
Product: Credit card or prepaid card

My account has been paid off for 10-12 weeks. The company is still reporting a {$900.00} balance. The last reporting date by the company was XX/XX/2022. Ive contacted the company twice by phone and once by mail. Ive received a response via email that I must wait 45 days for resolution. Ive waited twice that time already. 

My credit score is XXXX and I dont think it will impact my score much. However, my concern is for the people- perhaps thousands- who are being negatively impacted by this. Having been in financial institution lending, I know all too well how many people have damaged credit resulting from lenders who cant generate a simple electronic report update.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following 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
Product: Debt collection

I received a call from ARA, Inc. The ARA, Inc. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a XXXX XXXX. I told her I did not have a XXXX XXXX. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.
Product: Checking or savings account

I wrote a check for {$30.00} XXXX  # XXXX to the XXXX XXXX XXXX XXXX on XX/XX/year>. That check was lost or stolen. That check was " washed '' and changed to XXXX XXXX  XXXX for the amount of {$7700.00} to payee XXXX XXXX XXXX cashed on XX/XX/year>. the address of the church is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX But it was lost.XXXX, XXXX remembers the check but never deposited or cashed it. 
The payee XXXX XXXX XXXX is not known to me or my wife. We owe no one for any services or Items.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$21000.00} ( Incorrect payment history ) Exceptional payment history XXXX ( Remove ... I do not have this account ) {$4900.00} Balance updated XX/XX/2020 Exceptional payment history From XXXX up until this current month, XXXX this account is showing deferments and not as being paid, which I have been paying this account every month and on-time. 
There are no valid claims ... account was never deferred and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulplease update it to reflect ( Paid on time ) Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for