23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNT. MY INFORMATION WAS EXPOSED DURING DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT, THE FOLLOWING ARE UNAUTHORIZED. 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 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
Product: Credit reporting or other personal consumer reports

I have noticed there are multiple accounts on my report i do not recognize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, XXXX account # : XXXX XXXX XXXX  DBA XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 usc 1681 section 602 8 states I have the right to privacy. 15 usc 1681 section 604 section 2 states consumer reporting agency can not furnish your account without my written instructions.
Product: Credit card or prepaid card

I booked a vacation home with a vendor and the vendor request payment via  XXXX . So, I used my  XXXX  account to make the payment directly from my bank account. Unbeknownst to me,  XXXX  automatically created a credit account without my consent. I did not want a credit card account with  XXXX . This scam has been widely reported. I thought I was paying with my bank account and then a few weeks later I got a credit card wiith a bill. I immediately paid it off and never used the credit card. I few weeks ago, I had another vendor for a cleaning service request payment via  XXXX . Again, this went on the credit account that I never wanted to use and I got another bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

In XX/XX/2018, I was made aware that Best Buy Card Services had been reporting my credit card as being paid late since XX/XX/2018. 
I had no used my Best Buy card for some time and didnt have a balance so I was very concerned and called Best Buy. 

Upon further investigation it was found that my card was fraudulently used in XX/XX/2018 for a purchase of approximately {$20.00}. Best Buy agreed to remove the charge at that time as well as all late charges and update my credit report to reflect what had happened. 

I have called Best Buy three more times since my initial call in XX/XX/2018. Each time they acknowledge the fraudulent charge and late fees that are on the account are there incorrectly and tell me that in the next billing cycle I will see my account updated and all charges removed. It is now nearing the end of XX/XX/XXXX, and three months has passed. My account is still being charged late fees and my credit report has not been corrected, instead they continue to report my account delinquent and have since lowered my credit line from to {$2000.00} to {$100.00} as well as continue to charge late fees on the account.
Product: Mortgage

This is a continuation of my OCWEN nightmare. The situation is self explanatory when you read the attachments and all the complaints I have submitted over the past year. 
See Attachments:1. OCWEN letter with application to re-apply for a mortgage modification. XXXX/XXXX/15. 
2. OCWEN PRE-FORECLOSURE NOTICE ( the day after - XXXX/XXXX/15 ). 
3. OCWEN decision letter of denial of modification because the mortgage investors DO NOT PARTICIPATE IN HAMP OR ANY OTHER GOVT. MODIFICATION PROGRAMS. 

I have submitted a modification application XXXX now with the same answer - they do n't particpate! Yesterday OCWEN asked me if I wanted to apply again ( a XXXX TIME ). This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data on my XXXX report has not been updated since XXXX 2021. I tried accessing my online account and it is still not update. None of the positive credit I've obtained is being reflected.
Product: Debt collection

PENNCREDITCORP called on XX/XX/2018at XXXX EST and said ( in a recorded statement ) that they were collecting a debt that I owed. The amount was {$160.00} ( I did not get the exact amount ). At no time die they say who I owed the debt to. they only demanded that I do not owe anyone. I just have monthly credit card bills which I pay off, in full, every month.I
Product: Debt collection

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Product: Mortgage

I don't have specific dates or amounts because this was over five years ago. However, I felt as though my escrow amounts were incorrect. I think I paid more in escrow that was not returned to me or added to the account.
Product: Mortgage

I was scammed by a predatory HECM loan executed by Wells Fargo on XX/XX/2010. I do not feel comfortable attaching the good faith documents or any other documents relating to the fraudulent predatory loan. I do not trust this agency or any other based on your complete favoritism shown toward Wells Fargo. Also, you say that you 've tried to contact me several times? How difficult is it to call XXXX and either speak to me or leave a message? Or even better, how about e-mail XXXXXXXXXXXX. Your investigation was completely one sided. Same as the job you 're doing with the latest of the Wells Fargo criminal scams. XXXX accounts robbed!! Great job guys
Product: Debt collection

We had signed up for XXXX XXXX cable for approx 7-10 days and figured out it would not work for our large family as only 4 tvs could be used at once as the rep that sold us the service never told us about the limitations we called the company and they said it would be about a year before they were going enhance the services to allow more tvs to be viewed at once. We were a family of XXXX at that time, so we were fighting on who got to watch their shows and who did not. Being XXXX of the family members were teens it caused major problems. I cancelled the service and went back to XXXX, which I can supply dates to correspond with the events. Being that we cancelled we were told to ship back the equipment. I did so. XXXX wanted to charge me for the equipment. The equipment was returned and received by the company and acknowledged by a rep I think in 2014 it was. I then asked for the equipment to be returned as I was not going to pay for something was returned. To this day, I still have not received the equipment returned to me. The equipment is with XXXX. return it and I will pay.
Product: Debt collection

XX/XX/XXXX- Portfolio Recovery filed lawsuit against me for {$1700.00} There were a few continuances and ultimately I had until XX/XX/XXXX to respond or risk default judgement.

On XX/XX/XXXX I made a settlement agreement by phone with PRS for the full amount but in payments. Imediate down payment of {$350.00} and monthly payments of {$230.00} until paid.

On XX/XX/XXXX PRS sent a letter memorializing the agreement and I was to sign and return which I did after speaking with them on XX/XX/XXXX to ensure that this meant there would be no Judgement filed. It was confirmed that once the agreement was received, it would be filed with the Court and we would not have to do anything else, including going to court. Nothing would happen unless we stopped paying.

On XX/XX/XXXX I received a Default Judgment Notice for {$1400.00}. I called PRS and they told me I never signed and returned the agreement. I told them I most certainly did. After putting me on hold they said it was because a payment was returned on XX/XX/XXXX and even though I called and cleared it right away and was assured my agreement was in tact, that triggered the judgement. There is no way, if they filed our settlement agreement like they said, that a return payment on a Monday would result in a hearing for judgment in 2 days on XX/XX/XXXX. XX/XX/XXXX was the hearing date all along that we were told we didn't need to provide answer for or attend due to signing the agreement that was to be filed. They got a default judgement against me for not showing up when I signed a settlement agreement that they were supposed to file. Unfortunately I failed to make a copy of the agreement somehow but I do have the letter from them indicating the agreement was attached to memorialize the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. Experian, XXXX, and XXXX continue to report this as a paid collection instead of deleting.
Product: Credit reporting

In 2005 my wife took out a mortgage with XXXX XXXX XXXX. My name is not on the mortgage note. We moved to Maryland and upon pulling a XXXX found that XXXX XXXX XXXX still has this loan listed to me ( again it was in my wifes name ) and the loan is now serviced by XXXX XXXX , XXXX My credit report states that I have an outstanding and open account with XXXX XXXX XXXX . XXXX does not own the debt nor do I owe the debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and Experian. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and Experian, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian about inaccurate and incomplete information. They responded with a letter about verification has been done. I have a right to dispute my report and they will not remove inaccurate information and not prove how they verified these accounts. At what point will they be held accountable for taking advantage of my consumer report. I demand the following accounts be removed and deleted from my consumer report. I did not give Experian written notice to publish my consumer report. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] XXXX XXXX XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence XXXX XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX The date of last payment is wrong. 

XXXX XXXX XXXX XXXX with account number XXXX Please send me all business and transaction documents to prove that this account was legally verified XXXXXXXX XXXX XXXX XXXX ; XXXX with account number XXXX This account was sold but still reports a balance XXXX XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX XXXX different dates listed under " date of last activity '' XXXX XXXX XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number.
Product: Debt collection

CBC collections left a voicemail on XXXX stating, This is XXXX calling from CBC. Please contact me or one of our representatives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or toll-free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called back and asked who I had a missed call from. The representative asked me to hold on then asked if she was speaking to XXXX. I told the representative that she had the wrong number and she said she would remove my number from their system. On XXXX, CBC left another voicemail leaving the same message as before. I called CBC back on XXXX informing the representative that I had a missed call from their number. He asked if I was XXXX XXXX, I told him no and that I explained this the first time they called. He said he would remove my number from their system. I told the representative that any future contact would result in an XXXX complaint, he laughed then ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Name and number, XXXX XXXX XXXX # XXXX has violated my rights
Product: Credit card or prepaid card

It is impossible to get a line increase, the process is ridiculous I have a fraud alert, so they have to call me everytime i request an increase, they call you once and if you dont pick up the phone they close the case if you callback you have to start a new request and they will pull credit AGAIN, this is the 3rd time they are pulling credit.there is no fair process it is very unfair after one phone call closing the case and pulling credit every day in less than 30 days, I have filed so many complaints about their credit increase practices. Its pretty much impossible to get a line increase, sometimes they said I was declined due to credit and the information is false, no supervisor cant take a look at your case even though information is false. However my Identity was stolen and the fraudsters got a XXXX cc and I couldnt get an increase the inquiry was never removed it was handled the worst way I called to reported and it was never done. This is abusive and this company has the full support from the government while consumers are being disrespected and abust
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation.

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time.

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

BTW XXXX in the XXXX Full time.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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: Payday loan, title loan, or personal loan

So I recently called sunloan XXXX XXXX and they told i ( XXXX XXXX ) that I only had one loan and she said it wasnt possible for this second loans that reporting claimed to been opened on the same day as the first one! Please take this off
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below has incorrect balance. 

1. XXXX XXXX XXXX  Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX/XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.
Product: Vehicle loan or lease

On XX/XX/XXXX I engaged in a Consumer Creditor transaction with PenFed Credit Union XXXX XXXX XXXXXXXX XXXX  PenFed never disclosed the car was prepaid before I drove away from the car lot. PenFed never informed me the car is fully insured until the completion of the loan. Also, PenFed hasnt disclosed they are debt collectors. The Truth in Lending Act protects the Consumer under XXXX5 USC 1692 Fair debt Practices Act. As a Consumer Creditor in this transaction, the XXXX XXXX secures all obligations, fees, and insurance for said purchase. 
On XX/XX/XXXX I requested an investigation with PenFed and requested for them to validate the debt as well. I also noticed every requirement for alleged payments is always in the positive. How do you pay something thats already in the positive?
Product: Credit reporting

I have credit inquiries on my Transunion report that were previously removed and now have reappeared. I would like them to be removed permanently as soon as possible.
Product: Debt collection

To Whom It May Concern, This complaint is in regard to a company reporting information on my consumer credit files which have been disputed by myself prior on multiple occasions and which the company reporting the data refuses to provide information on. 

The account in question is unknown to me as stated. I have asked for documentation from the original source and for it to be provided in accordance with the Fair Debt Collection Practices Act which states that original documentation must be provided to me upon request so that I may tailor an adequate response or more accurately detail my dispute. No such information has ever been provided with the company outright ignoring my claims. 

I contest this debt and am asking this agency, which has assisted me in the recent past regarding getting other companies to comply with my requests, to assist me in this final item. 

I also grant this agency full access to my account, the dispute history as recorded by the bureaus and the multiple attempts made on my behalf which have been rubber stamped and not fulfilled with any due diligence whatever. 

I further ask that this agency keep an official record of any and all communications by Acima Digital in regard to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX