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

I am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX  if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Credit collecting company has systemic failures, resulting in their systems not accepting credit payments, inaccurate reporting of payment receipts, and the inability to contact the company effectively. Company incorrectly reports missing payments. Companies electronic method for electronic processing of consumer mortgage payments has repeatedly failed. The system inaccurately reports that payments were accepted and inaccurately reports that payments were processed. Companies phone communications are unavailable and unreachable. Company did not notify consumer of missed monthly payments, by email, phone, or us mail. Company does not take effective communication action until loan is in default. Company apologies for errors, refunds late fees, and refunds charges but does not correct credit report. Companies failures have happened repeatedly has assured me problems wore corrected but processing errors have continued. Company investigated problem for weeks, resulting in additional missed payments that were submitted and reported as accepted, resulting in additional fees, fines, and negative credit reports. Company did not suggest or recommend any additional methods for processing payments. Companies actions have had deleterious affects on obtaining new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent XXXX two letters disputing the information that they are reporting. I sent my first communication to them on XX/XX/XXXX I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Product: Credit card or prepaid card

Wells Fargo does not let you set up automatic payments from a non-Wells Fargo bank account if you don't already have a credit card balance. This is crazy, as you should be able to schedule payments in advance so you aren't forced to remember.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT. I HAVE WRITTEN THESE AGENCIES 3 TIMES AND THEY HAVEN'T FIXED MY REPORT. 

XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS
Product: Debt collection

I am a victim of identity theft and fraud in credit card schemes ( unauthorized opening of credit cards ). I wrote the CFPB previously in XXXX and XXXX regarding my identity being stolen and credit cards opened in my name. I had also informed the original companies of the credit card issuers before they sold the account. The following debt collector companies ( who I do not know and have never had any financial agreements ) have also placed on my credit report that I opened recent accounts with them, as early as XXXX. This is not true. They have knowingly placed false information on report. I disputed these companies in XXXX and XXXX and they continue to illegally and unethically place new " open '' accounts on my credit report. I have asked XXXX, XXXX, and XXXX, in XXXX, XXXX, and in XXXX ( by electronic dispute and over the phone dispute ) to remove the accounts from my credit report and had informed them of my identity theft. I also told them that I had no knowledge of the companies. And no affiliations of the companies. I asked that they note this on my credit report. I had also previously signed up with all 3 credit reporting agencies in blocking future credit inquiries, however, the companies have now unblocked my accounts and have allowed unauthorized credit inquiries and statements on my report. I am requesting that XXXX, XXXX, and XXXX remove the following companies from my credit report due to identity theft and unethical practices of placing false information on my report. Please remove : LVNV Funding, LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Debt collection

I received a phone call that I knew was a scam. The following is the transcript of that call Hello this message is intended to reach XXXX XXXX I a.m. calling today in regards to an asset verification and also to confirm your address as the primary residence of occupancy for XXXX XXXX I was forwarded documentation that does verify name in for a security number in regards to this process for enforceable review please be advised requesting for him sign for it and respond to a required demand notice and before I go ahead and begin the scheduling of this document so I wanted to inform you that this process is being expedited and should commence within the next 24 to 48 hours now at this point in time any questions regarding this matter you make contact and advisor directly at XXXX and you will also need to reference the file number XXXX otherwise fire to contact him the result in further determination is being made applicable to all state and federal guidelines you have now been officially notified
Product: Vehicle loan or lease

XX/XX/XXXX - Called loan advisor, regarding my documentation so that I could register the vehicle as registration was expired. 

Loan advisor informed me that my name was not on title to the vehicle. I asked her how that is possible being loan is in my name. She said she must have asked me. I asked for all the documentation as that was never a conversation we had regarding if I wanted my name on title or now. 

XX/XX/XXXX - I called into the main America First Credit Union phone number to ask questions regarding, how the loan was put in my name and my name was not added to title, it was only put someone else name. They spoke with loans department, records department, processing department to all of which had admitted that there was never a conversation with any representative that I was taking out a loan and only putting the vehicle in someone else name. 

XX/XX/XXXX - From XX/XX/XXXX to XX/XX/XXXX I have had multiple conversations with America First Credit Union. They have had several employees admit that there was never any conversation regarding how to take title or any paperwork regarding that. I asked them to help resolve this as asking me to pay for a vehicle that they mistakenly did not add my name to is not appropriate and that I should not be held responsible for a mistake that they made. They have said that the only resolution would be for the other party on title to sign an amendment to add my name to title. I have told them that the other party has no financial responsibility and if I pay off the loan they will send them the title free and clear. They have never notified me that they have tried to contact the person who they put on title. They had a representative tell me they would try and see if there was a way they can add my name without having the other party sign anything. I have asked the credit union to take some accountability for the mistake they made and they are unwilling to provide any assistance to come to a resolution for this. There are several times they would not call back when they said they would and I have had to call back in. I have asked several times to speak with someone on the Supervisory Committee and no one will provide me any information to who I can email or phone to have a conversation regarding this matter. They continue to transfer me through representatives in several departments in a circle. I have tried for 40 days to find a resolution with no help from America First wanting to take any kind of responsibility.
Product: Debt collection

I 'm getting multiple phone calls from a company called UCB for my former brother in law. I told them to stop and it is continuing.
Product: Debt collection

I checked my credit report and have seen a several fraudulent claims on there from Credit Protection Association in the amounts of {$260.00}. Innovative XXXX. 
{$82.00} XXXX I have no knowledge of this claim nor am I responsible for it. You cant just be putting false accounts on people credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and noticed that there was inaccurate account ( s ) on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with Maximum Accuracy. 

I have contacted Experian and asked them to investigate & remove inaccurate accounts from my consumer report and that they are illegally reporting, and I requested specifically the alleged original application bearing my signature, they have not been able to provide proof of such to me.

This is a violation of the Fair credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan that was reported on my account that I had never had in my life I have never had an auto loan with XXXX bank theres no XXXX bank in XXXX PA this account is now closed and I need to get this removed off of my credit because it is identity theft I did call XXXX and they instructed me to this website to get this removed off of my credit I have also sent XXXX my police report that I filed with my local police department
Product: Credit reporting or other personal consumer reports

On Credit Karma , INC pulled my credit on XX/XX/2023. Federal laws broken are 15 USC 1681 A 1-6. This was an invasion of my financial privacy.
Product: Debt collection

This account has had several issues from the beginning. This account has been settled since 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, XXXX, Equifax has violated mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These Names do not belong to me and Too many On Personal Information. Errors are highlighted and Circled.
Product: Credit card

REPORTING VIOLATION OF STATE AND FEDERAL LAW BY BANK OF AMERICA. Our Bank of America ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA on XXXX XXXX, 2016, both with a phone call on that date, and a letter on that date, and they removed the charges, and sent us a letter dated XXXX XXXX, 2016, that " the fraud investigation '' " had been completed and closed, '' but some five months after the original charges the charge reappeared on XXXX XXXX, 2016. This is in violation of state and federal law. We are in California - both CA Civil Code sec. 1747.5 and the federal Fair Credit Billing Act, including 15 USC 1601, et. seq. and 15 USC 1666, provide that after BofA received notice on XXXX XXXX, 2016, of a billing error ( in this case an unauthorized use ) of the credit card, once two billing cycles ( or no later than ninety days ) have run, whichever comes first, the creditor is prohibited from reversing any corrections to the account related to the billing error brought to its attention. Two billing cycles after our reporting the fraud expired on XXXX XXXX, 2016, and even the maximum 90 day period ended XXXX XXXX, 2016. After BofA ruled in our favor on XXXX XXXX, 2016, and removed all charges, they were precluded by law from reinstating the charges on XXXX XXXX, 2016. 

Also, BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not ours. We FAXed to BofA Fraud Claims " Reconsideration '' department last week a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address we have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address we do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because we will not pay for unauthorized charges, never. BofA has violated state and federal law by reinstating these charges that they already removed, after the two billing cycle / 90 day statutory period.
Product: Credit reporting or other personal consumer reports

Found out once I got a notification of payment due by a monitoring company I use. XXXX XXXX allowed my ex spouse access my account via phone in XX/XX/year> and defer payments for XXXX months. Judge signed decree he's excluded from loan. Nothing in email or mail or attempt to notification of this by XXXX XXXX. My online account was locked, unable to recover account. I finally got a notification about account and it's due. This payment was autopay to one of my bank accounts. Ex spouse had stopped payments to all of his debt in my name. That's a legal issue I'm waiting for garnishments to begin local court order. 
Long story short, after stop payment by former spouse, he withdrew last of funds & closed that bank account that I had. At the time I had 2, one of which he wasn't aware of so no potential access. Called XXXX XXXX advised them I was unaware of this deferred XXXX  months, just found out about bank closure. Asked what was due and how quick to pay to avoid credit reporting negative and repo. Advised XXXX due. Asked if I could pay the following week, note account payment to be made by x date. Agreed on that and told no negative reporting unless non payment beyond the date agreed. Flawless credit history never a negative mark. This bank closure without knowledge caused me so far over XXXX in open unused credit lines to be revoked for this 1 bad mark when paid as agreed. Plus another account different creditor who applied payment incorrectly to wrong account of the 2 I had with that company reporting XXXX days late when it never was, actually paid more than minimum. Anyways due to this 1 bad mark, and another my credit score went down XXXX or so points from never missing payment in XXXX years of building credit. Now two credit lines with 1 creditor closed by creditor even though XXXX balance on one, and XXXX balance on another that I had just put less than a week previous plus XXXX days prior paid off the XXXX balance I did have. In attempt to stop this snowball for wrong reporting, paid off XXXX in debt immediately making several accounts XXXX owed. Lost 2 of my longest cards so lowering credit again as of last week since average decreased by XXXX years from those XXXX yr active accounts gone. I paid as agreed. XXXX XXXX will not allow password recovery online by sending self email. Ex spouse didn't ever have a log in, but accessed and said right things to defer without my knowledge. No notification of said access by mail. I can see exactly why one would say nah I'm not paying just bankrupt make it go away, which can be done due to income however I put my credit above anything else after watching loved ones lose everything from addictions. Same with former spouse also filed previously to marriage, and is soon to file again the one who gained access to this.
Product: Credit reporting or other personal consumer reports

There was inquiries made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> without my permission by REGIONAL  and XXXX XXXX.
Product: Mortgage

On XXXX XXXX, XXXX, I refinanced a loan originally held by Green Tree Servicing LLC., with XXXX. XXXX sent XXXX separate payoffs checks to Green Tree. XXXX was on XXXX XXXX and XXXX was on XXXX XXXX, XXXX. The loan was never processed by Green Tree and I continued to receive bills. I contacted Greentree on XXXX XXXX, and advised them of the issue through a three way call with a XXXX rep. The rep for Green Tree ( XXXX ) was provided the routing and bank information where the disbursement was sent to. Ironically, I settled XXXX additional loans through XXXX with Green Tree and there were no issues. XXXX indicated the funds were there but had to be verified. By XX/XX/XXXX the issue had not been resolved. I contacted Green Tree several more times and no one was willing/able to help me. I also spoke with XXXX ( manager ) who indicated the disbursement was allocated to a different loan and would have to be transferred to the loan in question. Of course, nothing was done and on XXXX XXXX, I spoke with a rep for Green Tree who was actually helpful. She indicated I had a suspended credit disbursement, but the payoff still did n't appear. She attempted to reach XXXX, but to no avail. Today, XXXX XXXX, I received XXXX identical letters from Green Tree indicating that they were looking into the issue. Technically, I have XXXX loans for XXXX home and am still being contacted by Greentree for payment. An additional concern is whether my credit will be affected. According to XXXX, the disbursement checks were cashed by Green Tree on or about XXXX XXXX. 

Green Tree is a terrible company who has poor customer sevice. They make ridiculous mistakes and do nothing to rectify the situation. At this point, I believe they are intentionally affecting this process. 

Thank you.
Product: Debt collection

A previous transaction was made to purchase equipment I owned.SO after the equipment was sold to the man outside. They sent another request to PayPal for a refund on something they used. SO course I never answered to this request. PayPal on the other hand took it as a serious request and would never take it off my account, and one day it did. Now I am receiving collection calls for something that Is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I disputed information to be removed from my account the credit bureau allowed XXXX to add the same account multiple times. I have 4 XXXX  accounts but my credit report shows 16 XXXX  accounts. I have called multiple times to get the information corrected by the credit bureau Equifax but they have refused to help fix the problem. In fact every time I call for help another account appears. I thought the credit bureau was there to protect me. This information has kept me from being able secure funding for my childs education and a business loan to take care of my family.
Product: Debt collection

I canceled my internet service with XXXX  on XX/XX/XXXX. I returned the equipment on XX/XX/XXXX in its XXXX office with a Receipt No. of XXXX. XXXX  sent me to a collection agency, I.C.System, Inc. ( ICS ) under Reference No. XXXX, two years later. I never received any correspondence from XXXX  prior to this collection letter about the fact that XXXX   has not received the equipment from me. 

I called ICS today, XX/XX/XXXX, and told the representative I do not owe XXXX  anything because I returned the equipment. She said that if I do not pay, that come XX/XX/XXXX, I will see a negative report on my credit history. She did not ask about any other information, or if I have any proof of returning the equipment. 

I then called XXXX and spoke to XXXX, XXXX ( XXXX 's supervisor ), and XXXX ( ID XXXX, XXXX 's supervisor ). All three of them said, the best they can do is send an email to see if they can find the equipment. They can not really contact the collection agency or stop the negative report on my credit history. I can just dispute the negative credit report from the three credit agencies once it shows on my history.
Product: Mortgage

Today is XX/XX/year> and my XX/XX/year> payment has not been posted. It should have been posted no later than, XX/XX/year>. Every month there is an issue, with Select Portfolio Servicing, posting my payments. Also Select Portfolio Servicing, added my home insurance on my, mortgage statement. I do not have an escrow set up for my home insurance, through my mortgage. I have always had insurance on my home, I had home insurance through XXXX. My husband is a veteran. What Select Portfolio Servicing is doing is against the law. Select Portfolio Servicing is a corrupt company. I want nothing to do with these crooks. We have a paper trail of deceitful acts from Select Portfolio Servicing. More over, they sent me some fraudulent documents, where my name an information, was copied and pasted to illegal documents. My husband and I went to retrieve the legally, legit documents, and it is evident, that Select Portfolio Servicing is committing another crime.
Product: Credit card

This catolog credit company has been giving me the run around about a credit line increase for the past 3 month.they Promise you an increase after 6 consevective on time payment and I have 8 but never come thru. I first requst one on XXXX/XXXX/2015 and never recieved and it been back forth ever since with differnt story everytime I call, all I want is yes or no. They did make an inguiry to tranunion credit reporting XXXX/XXXX/2015. But still no concrete answer from them, I have XXXX other catolog credit card that affiat with them and all have on time payment. XXXX of them did give me a credit line increase, Ginny and Midnight Velvet.please help me out.