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

My identity has been compromised. I found out because XXXX  XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX  XXXX {$390.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$690.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX, XXXX XXXX {$510.00} XXXX XXXX   XXXX {$130.00}
Product: Debt collection

Hi, i had an automobile accident at my workplace the day i went to the hospital to get checked. I filed an accident report and also a job report and sent it to the hospital via fax. Any bill associated with the accident should have been resolved through the company and my job. I did my part in filling put all the information and sent it through fax.
Product: Credit card or prepaid card

To whom it May Concern, I have sent many letters contacted all three major credit bureau, filed a report with the FTC ( Fraud ) to have these fraudulent accounts x 3 removed from credit report. I have explained that I never authorize these accounts.

Please send me a correct signed documentation that I signed to have an account and credit cards in my name with your establishment. I don't recall applying for any credit card or any account with your company.

I am looking at my credit report and I see that I have three accounts that are listed on all three of my credit reports. I am unable to provide the account number due to me not knowing about these accounts.
Product: Credit reporting or other personal consumer reports

I noticed some billing errors on my credit report, specifically showing late payments that don't match my regular history. Please fix these mistakes and update my account. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

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 15 USC 1681. 

XXXX XXXX XXXX have violated my rights. 

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.

15 U.S.C 1681c. ( 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.

15 U.S.C. 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.

In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ Whatever verbiage they used in their response letter to you ]. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA.

Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation .

As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and delete the account listed in my dispute I noticed that ( reinserted account ) has been added back after deletion. I disputed the inaccuracy of this account before and the account was removed. I am confused as to why this item has popped back up on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and formally request this item to be deleted again as this is a violation of my rights.
Product: Debt collection

I was being called at least 7 times a day several days a week during my work hours. I was receiving harassing voicemails with Portfolio Recovery threatening to sue me for a debt. 

One day when I came home there was a plastic bag with documents inside that appeared blank hanging on my front door knob. 

I left the bag on my living room table because I thought it was a solicitation. 

Several months later I received a letter from my county court clerks office stating I had a judgement against me because I failed to appear in court.
Product: Credit reporting or other personal consumer reports

to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any responses form Experian, XXXX nor XXXX. I have sent them everything they need, and I have received no response. They are required to respond to my disputes in a timely manner.
Product: Debt collection

I received a debt collection notice from PAM, LLC which is the second time I 've been harassed about a fictional debt from this company, and also is the second time I 've been notified of this particular fictional debt ; the first time by a company which ended up settling a class action lawsuit from which I received a settlement award for opting in. I can assure you that the car in question has never been driven XXXX border and would not have made it on a return trip if it was.I was day playing for a rental house company in XXXX the week in question, but was given the day off. At the same time, I was helping coordinate the XXXX portion of a documentary shoot that was to take place in XXXX and was in correspondence with the production coordinator on XXXX XXXX, XXXX among other days that month. I believe now as I believed the first time I received this notice that this was part of a ticketing scam in XXXX. I am not a XXXX resident, nor had I traveled to XXXX since XXXX as part of a XXXX and even then, I did not drive my personal vehicle. The first agency refused to accept the idea that this was a phony ticket, even though there are plenty of instances of this occurring and ended up losing a class action lawsuit. The current company has harassed me in the past and I had to report their tactics to an agency in order to back them off. Unfortunately, they seem to be using a tactic in which I can not prove without a doubt that I WAS N'T there, since I did not have any check-in points throughout the day, but my plans and activities before and after that date should imply that I was not there and had no plans or intentions of being there, not to mention there is no photographic evidence to support THEIR claim.
Product: Mortgage

Bank of America has reopened a forclosure lawsuit after being given a Voluntary Release and Dismissal of Lis-pendens dated XX/XX/2013.
Product: Debt collection

XX/XX/2018 I opened an account with XXXX  XXXX   for {$470.00}. A few months later my car was totaled and instead of accepting my claim which wouldve been covered under out insurance agreement they claimed my insurance was opened fraudulently. It took years for XXXX to finally work with me to remove the car loan from XXXX XXXX  the financier of my car after I finally found of I can report them to the XXXX XXXX XXXX They listened to the XXXX  and removed the accounts but now Im seeing a collection for money owed to XXXX  from a collection agency called CAINE & WEINER for {$700.00}. I owe XXXX  nothing. If anything they owe me money but I have no funds to sue them! They have no proof that I owe anything and I have proof from the XXXX, and XXXX XXXX  ( who they claimed I did fraud on ), that I did no fraud and owe XXXX  XXXX  nothing.
Product: Mortgage

in XX/XX/2023 I changed my homeowners insurance, and it cost quite a bit more than before due to rising costs, and made sure Megastar had that updated information, and requested that they update my escrow. They did not update my escrow. They have since told me many times that they only do that in XXXX. So, as a result, I owe XXXX of dollars that they now want me to pay off while I'm already coping with this years homeowners insurance. This, combined with this " escrow cushion '' they can suddenly demand and make however much they want, is ruining me financially.

Additionally, I have been given incorrect information on the phone repeatedly, and acted on that information, and suffered further financially as a result. I was advised by one of their staff to just get off the escrow and pay the insurance myself, and that then I would balance out. I was informed later that I wouldn't know whether I could do that until Saturday.

I was later told the problem was my escrow, then advised to contact their loss prevention team, who does not handle escrow.

Is it really legal for them to ignore my updated insurance for 10 months, due to policy of their own invention, and then say I have outstanding balance and refuse to let me off their escrow? No one there will answer why my bill didn't reflect the updated policy except to cite this policy. 

I can't think what else I could have done, but my bill has jumped up by {$600.00} a month and they want me to go on doing that for months or years.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records I, therefore, request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Name : XXXXXXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX Balance : {$650.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1100.00} ; Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Collection Agency ( Collection Bureau of Fort Walton Beach ) is not reporting my payments to the credit bureau.
Product: Payday loan, title loan, or personal loan

Ive been disputing a late payment that I paid with Santander bank, they told me at first it was a teller error and they now have me down for a 30 day late thats effecting my credit. They say there going to call me and they dont, ive had them hang up on me, tell me there is no one else I can speak to in a higher position. Now as a result of this my credit has taken been dropped significantly.
Product: Debt collection

Around XXXX of 2021 I closed my XXXX XXXX account, I took the equipment I had of their to the XXXX store ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX and closed the account. The person at the counter said the account was closed and all equipment is turned in and I owe nothing. About week or so later I received a bill stating I still had equipment, I returned to the same XXXX store and the person at the counter stated, all equipment had been turned in and that my account was closed and paid in full when closed. Then XXXX sent me a bill for the month of service when they said I had equipment that I didn't have and the XXXX store confirmed. I spoke to a lady over the phone from XXXX and told her this and she got angry and rude, I told her I didn't owe anything, that all equipment was turned in and the had been closed. She said she'd elevate this and hung up on me. A year plus had pasted and the Amsher Collection Services sent me a bill for the closed account XXXX XXXX XXXX XXXX plus their fee. I contacted Amsher Collection Services and told them that I didn't owe anything and they stated they'd check with XXXX XXXX and XXXX immediately they sent me a bill stating they checked and XXXX said I owed them. XXXX XXXX XXXX XXXX owed {$49.00} and Amsher Collections states I now owe them {$59.00}. I don't owe either. I have tried to resolve this and no one from XXXX XXXX will assist me ( although XXXX did try to get me to become a customer again ). I have filed a complaint with the Texas States Attorney Generals Office against XXXX XXXX XXXX Again, I don't owe either company and never have, This started over a year ago, a False {$49.00} bill.
Product: Mortgage

I have been trying to submit a payment to UWM since XX/XX/XXXX. I finally got it to go through XX/XX/XXXX. Not once did they tell me there were issues with payment or that the ACH was getting kicked back. After I got the payment to go through, they would not apply the payment to my loan. I had to call and ask where it was, it was taken from my checking but not on my loan. Then I noticed they applied incorrectly and charged me fees after they told the fees would be waived because they had records of me calling in to ask about why my payment hasn't gone through yet. I called last week and used their online chat today to try again to get my payment applied correctly, they said it is. But it is not. I am showing I am missing {$2700.00} from my additional principal only payment. It was withdrawn from my bank account. My next payment is next week and I have a feeling I will have to again and have them adjust this one too. I have record showing that I submitted my monthly payment and additional principal correctly, but it was applied as so. I don't know what to do if they won't correct it when I reach out to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX
Product: Vehicle loan or lease

We purchased an XXXX XXXX XXXX from XXXX of Virginia financed through Bank OZK. 
We were offered an option by the dealership to defer our first payment to XX/XX/XXXXXXXX   ( 90 days ), which we accepted. 
Our contract does not indicate anything related to being charged interest for XXXX, XXXX or XXXX-but when we started making our payments, the entire amount was being applied towards the interest. 
We were told that we had to pay the interest for the months we had the vehicle and were not making a regular payment. So when we started making our payments, nothing was applied to principal. 
We feel like the contract, lack of disclosure was deceptive and unfair to us as we had no idea we would start off owing so much in interest.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act, ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/2023, I send Planet Home lending a Debt Validation letter giving them 30 days to respond. They did not respond and on XX/XX/2023, which is almost 2 months more than plenty time to respond, i send them a notice of fault and opportunity to cure letter. They also didn't respond to such letter instead they assigned/transferred/sold the servicing rights to XXXX XXXX XXXX which now I having to deal with sending a billing debt validation letter too since they send notice saying that during the time Planet Home Lending didn't respond to the letter late fees have been accrued. In addition in the letters it stated the address where to send respondent mail, instead they send notice of transferred to an old address.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY INFORMATION TO OPEN A LEASE IN MY NAME THAT DOES NOT BELONG TO ME THE ACCOUNT/LEASE WAS OPEN FRAUDULENTLY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Company contacted me at XXXX ( XXXX XXXX ) on XX/XX/2022. Screenshots of voicemail are attached. They again contacted me today, XX/XX/2022 at XXXX ( XXXX XXXX ). 

This company is also being deceptive as the representative initially told me that I was not a part of a class action lawsuit, which I was and confirmed therefore this debt should have been cleared out. I was a part of the class action lawsuit Case XXXX, in the United States District Court for the XXXX XXXX of Virginia , against BlueChip Financial dba Spotloan and do not owe a current balance as you falsely stated. They lied in order to have me setup a payment arrangement, which I canceled as soon a I validated that I was in fact a part of the lawuit. They threatened legal action several times.
Product: Credit reporting or other personal consumer reports

aIn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 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. 
ACCOUNT NAME : 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* has violated my rights . On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Mortgage

I began a refinance with Citizens Bank. I paid a {$600.00} good faith deposit. Citizens sent out an appraiser who gave an extremely low appraisal ( {$160000.00} ) on my home. As a side note, I restarted the refinance process with XXXX and got the house appraised at {$200000.00}. The low Citizens appraisal meant that I could not go forward with them as the loan products they offered based on that low appraisal were not satisfactory to me based on what we originally agreed to. I asked them to then refund my deposit and they refused. I took this up with Citizens and ultimately, they claimed the new XXXX appraisal that I sent to them was wrong - although it was more in line with actual values in my town. Long story short, at every level they refused to refund my deposit. I understand the need for a deposit to make sure that I have " skin in the game '' - however, in this case, their appraisal was the outlier and the reason that the agreed upon loan could not be completed. They insist that I signed documents that allow them to keep my deposit, but this is all on them. I would like Citizens to refund my deposit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I disputed 4 XXXX accounts for verification several times via Trans Union website. The results were not mailed to me and the account still remain on my report. THE ACCOUNTS ARE BEING REPORTED AS OPEN. COLLECTION ACCOUNTS ARE NOT OPEN THUS HURTING MY CHARACTER. The continual reporting of these blatant errors directly violate FCRA guidelines. There are multiple errors besides being reported as open. I question their process and will be seeking legal compensation for the continual reporting errors. I attached photos of each account being reported as open under account type. Also attached all 4 dispute letters which I never received any information on.