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

I got a collection and I want it removed immediately Im not responsible or I will take legal action against them please have them remove it off my credit report XX/XX/2023 amount {$1400.00}
Product: Credit reporting or other personal consumer reports

My equifax file is showing i have many accounts open that i didn't give authorization to. The dates of some of the duplicate accounts doesn't seem to make sense to me for it is fradulent. Please anaylze this report immediately.
Product: Mortgage

Flagstar Bank has erroneously reported on my Form XXXX the amount of property taxes that was paid from my escrow account for tax year XXXX. Background - Refinanced mortgage on XX/XX/XXXX, with XXXX XXXX XXXX XXXX, XXXX ( XXXX ). At closing {$220.00} was collected by the closing attorney for the property taxes owed for XXXX. Attorney forwarded the {$220.00} two days later to XXXX County, AL. In XX/XX/XXXX XXXX sold the new mortgage to Flagstar Bank and forwarded {$630.00} to be deposited in an escrow account associated with mortgage. On XX/XX/XXXX, Flagstar Bank forwarded {$220.00} to XXXX County, AL, as payment for property taxes causing a double payment to be made to the county. On XX/XX/XXXX, Flagstar Bank received a refund for the XXXX property tax over-payment from XXXX County, AL, which was deposited in the escrow account, but instead of noting that it was applicable against XXXX taxes, Flagstar Bank applied it toward XXXX taxes. On XX/XX/XXXX, Flagstar forwarded {$550.00} to XXXX County, AL, for payment of the XXXX property taxes. After that the account showed that only {$320.00} was paid toward XXXX property taxes and when the Form XXXX was issued the amount of property taxes shown as paid was also {$320.00}. I have requested several times that the amount of taxes paid toward XXXX property taxes reflect the {$550.00} but Flagstar has refused to make the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

cIm submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have read and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian in early XXXX in regards to an account reporting on my credit report that does not belong to me. The account is XXXX XXXX, it was deleted and found not to belong to me. On XXXX XXXX, XXXX I find that this account that does not belong to me is place on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has 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 a account without my written instructions 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.
Product: Credit reporting or other personal consumer reports

The account XXXX is reporting a balance of {$XXXX} to the credit bureaus and it was discharged in bankruptcy. According to the chapter bankruptcy law a bankruptcy discharge is granted by the bankruptcy court to release the debtor permanently from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged. The debtor will usually automatically receive a discharge, excepting there is litigation inv

olving objections to the discharge. The discharge prohibits the creditors from taking any form of collection action on discharged debts, including legal action and communications with the debtor. If a creditor attempts collection efforts on a discharged debt, the debtor can file a motion with the court, reporting the action and asking that the case be reopened to address the matter. A creditor can be sanctioned by the court for violating the discharge injunction.

I am requesting for Wellsfargo to put the balance at 0 because I am not liable for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a letter to Equifax, asking them to investigate errors on my credit report. I am going to attach a copy of the letter I sent them. Three months have passed, and they have yet to send me the results of my investigation. They are supposed to respond within one month. I have sent several follow-up letters, but Equifax simply will not respond.
Product: Credit reporting

There is a judgment on my credit from XXXX XXXX XXXX XXXX in XXXX XXXX, MD. I paid off this judgment on XXXX/XXXX/2012, but it has remained on my credit even after speaking with the attorney 's office who accepted my payment on behalf of the XXXX XXXX XXXX. They have n't updated the major credit bureaus of my pay off thereby causing a severe negative impact on my credit.
Product: Mortgage

In XXXX of XXXX, my father XXXX XXXX passed away. At the time of his passing, I was already authorized for 2 years to handle any business on their mortgage. The name of the company on this complaint is NewRez and Shellpoint Mortgage. His death was reported, a new account payment account was provided to authorize any payments, escrow overages for the new account as well as a death certificate. Because my mother has XXXX XXXX I took care of everything. In XXXX of XXXX, an overage was issued of {$1000.00}. I notified the above companies in XXXX of XXXX to send any escrow payment/overages to the new account which pays the mortgage electronically. I called the company twice in XXXX, twice in XXXX, twice in XXXX and now we're in XXXX of XXXX to please deposit an escrow overage of {$1000.00}. to the correct account and was told on every call, that it would be deposited. Today 's date is XX/XX/XXXX. I am now on the phone with yet another employee, XXXX XXXX, who is again stating the escrow overage will be sent via electronic deposit on XX/XX/XXXX. The phone number is XXXX XXXX. The address of the company is P.O.Box XXXX XXXX, Texas XXXX XXXX account number is XXXX. The company verified the correct bank account many times and still stated they sent the escrow overage to the correct bank. Again, today 's date is XX/XX/XXXX and there has been no correction deposit sent to the current bank of record. Please advise on mortgage regulation companies and corrective measures. I also have had a DPOA for years prior to his passing to handle everything. They have my name on the account as authorized representative. There is no excuse for this to be occurring 5 months. Please advise on a suitable solution to have this corrected. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan from Hyundai finance was reported under XXXX XXXX XXXX and was reported as a charge off instead of being paid off I have contacted both parties ( Hyundai finance and XXXX credit bureau ) of the error on the report. Also Hyundai said they would send me a letter stating the car was paid off. This mistake on my credit report has caused me to be denied a car loan The finance companies do not want to finance some one who does not pay off their car loan Have complaint # XXXX XXXX from telephone call in
Product: Credit reporting

I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing both accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. I am attaching the most recent statement.
Product: Debt collection

I need a copy of the purchase agreement I do not owe this debt with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 7 months, I have been disputing an account from Equifax that is not my account. The account is causing me to be denied credit for a home loan. After multiple attempts for Equifax to investigate the inaccurate info on my credit report it still remains, I have also sent several letters to Equifax from the creditor showing that this account is not my responsibility and it still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquires on my reports that I didn't authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 -Balance {$150.00} XXXX XXXX XXXX  -Balance {$58.00} XXXX XXXX XXXX -Balance {$7100.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/XX/XXXX 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 a account without my written instructions 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.
Product: Payday loan, title loan, or personal loan

I leased a treadmill from  XXXX  in  XXXX , MO - the terms were explained to me as being bi-weekly payments with no interest until the loan was paid off in full. I completed all payments on-time, after the final payment according to the plan the register at  XXXX  provided. I was then told by   XXXX    ( the company  XXXX  uses  ) th at I had an additional 2 years of payments needed. They had converted the installment plan to a different lease without giving me any options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I have been through multiple unfortunate financial scams. I am paying the heavy price for being a nave individual. total amount is in an excess of 6 figure scams. 
My bank, fraud department did investigate my transactions and deemed me a high risk consumer, may account was closed abruptly, even after being with white like a snow financial records for the last 26 years with same bank. Unfortunately, none of what i was promised was carried on, i was informed, my debt card will function for a month, my account will continue to pay bills as long as there is positive balance, until i transition onto a different bank, none of that occurred. 
I do understand, I made poor judgment on these transactions, as was elated due to the idea I am starting a new business and I am in need to fund the business. 
Unfortunately, everything i touched turned to be a scam even they are unrelated to each other, i. e sell a time share to fund my " new business '' etc etc. I don't know where my bank responsibilities of thees scams ends, as i did wire money to multiple separate domestic banks.
Product: Vehicle loan or lease

Unfair practices of Capital One Auto Finance. This company takes advantage of people with lower credit score giving them very unfavorable loans. Loans offered by this bank for people with lower credit score are daily interest loan versus ATR fixed which basically is annual interest rate loan given by other banks. Having daily interest loan big part of payment goes to interest not to principal balance. It is based on daily interest not on annual which increase amount of money pay to the bank of monthly payments. My loan which was 10 percent has absurd monthly payments over 640 dollars. I was able after some lengthy discussion with Capital One to lower to 7.5 percent and still excessive payments of XXXX dollars. Because of daily interest amount of payment is very high. For annual interest loan that payment will be much lower and more affordable. Due to taking advantage of people with low or poor credit score by giving unfair loans this bank creates very difficult situation making payments impossible.where the big chunk of salary goes to car payment. Failing or being late on those payments puts customers in even more difficult situation and leads to lowering credit score. I talked to Capital One in extend about unfairness of loan this type and furthermore better terms of loan but they declined to do so threatening with car repossession knowing that this way they can money by selling car. They don't care that their type unfair loan puts everyone in struggle with excessive payments as well in case the car is reposes leaving someone without means to go to work or store or pick kids from school. I hope someone will go after this bank and force them to change practices and stop taking advantage of people.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may treat my payment on a credit card account under an open consumer credit as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance {$130000.00}
Product: Credit reporting or other personal consumer reports

Some one applied for credit in my name my XXXX has been used with out my consent My information has been exposed in serval data breaches i have not applied nor did i benefit from any of these inquires on my reports i ask that you remove these immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX XXXX - Letter was sent to and received, by certified mail, to LexisNexis asking their validation process. 

XX/XX/XXXX LexisNexis did not give proper investigation of the bankruptcy or give me their validation process which was demanded. currently showing on my credit report. 

XX/XX/XXXX - Another letter was sent to and received, by certified mail, to LexisNexis asking their validation process again AND stating to them that I never gave written permission to furnish any type of report to anyone. This letter has not been responding to and a bankruptcy is still showing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, is giving me such a difficult time that I want to take them to court. I want to be heard in court in front of my peers. 

XX/XX/2019 I had spoke to a very nice lady regarding Fraud, Hard Inquiries, Soft Inquires that 99 percent I never initiated. After looking at my file the nice lady says to me that the hard inquiries were being duplicated by mortgage companies and yes they and a lot more needed to be removed. At the time the nice lady could not verify who I was and asked me to use Experian Upload in which I tried very unsuccessfully. At that point I called Experian only to be met by someone in XXXX. I could not for the life of me understand what they were saying so I hung up. 

At that point I knew there was missing credit card information, my hard inquiries were work and my credit file was a mess. Because I was having so much difficulties I decided I would write the resolution department. In my mailing were 2 years of bank statements, a copy of my drivers license, a copy of my electric bill and a copy of insurance papers. I also made a copy of my social security card. I did this will all 3 agencies and only Experian is completely out of there mind. First the wrote me a letter stating the changes were being made to my file. The I got a letter telling me that they Experian needed my bank statement and everything I sent above. My attorney and I review all documents that were sent and it clearly states I'm me. Now Experian will not own up and fix my file. This is driving me mad ... HELP!!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent account on my report. I do not recognize how this account is reporting on my credit report. I don't recognize the account number, account status, nor do i recognize the account balance. This fraudulent account being reported does not meet the FCRA. I request that your company do the diligence on this fraudulent account and provide me with any documents bearing my signature.