23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ok, SO! On XX/XX/XXXX I see 2 installment loans from the XXXX XXXXXXXX XXXX  XXXX : one in the amount of {$2500.00} and another in the amount of {$2500.00}. THESE WERE NOT OPENED BY ME and you can see how much just pure XXXX I've been put through ever since XXXX when my husband started using my SSN AND out children 's to file taxes. I've had SO much stuff on my accounts that I've had to fight until I just felt like giving up because I can't. The XXXX XXXX XXXX XXXX XXXX remarks are so rude. They're just like nope this is you and that stands. Ok WHY. WHY DOES IT STAND WHEN I NEVER APPLIED FOR THESE LOANS? LOOK at my history! I'm having a problem now with FOUR fraudulent hard inquires showing up on my credit report and Equifax can't even confirm my idenity with my OWN SSN, DOB, OR NAME. WHAT DO I HAVE TO DO TO MAKE THESE HEARTLESS, CRUEL AND UNCARING PEOPLE SEE THIS IS RUINING MY LIFE. I'M SO TIRED OF FIGHTING BUT I CAN'T GIVE UP BC I CAN'T EVEN GET A {$500.00} LOAN YET I'VE HAD AUTO LOANS AND PAYDAY LOANS AND STUDENT LOANS AND ALL KINDS OF EXCUSE MY FRENCH BUT XXXX GOING UNDER MY NAME! The proof is THERE!!! They just are too wrapped up in themselves to realize this is causing ME to suffer bc i can't even rent a decent place to live or build any kind of future for myself bc they are flat out REFUSING TO ADMIT THEY ARE WRONG!!!! PLEASE PLEASE SOMEBODY HELP ME. IT'S THE XXXX XXXXXXXX XXXX XXXX ... THEY DON'T CARE IF IT'S THE TRUTH OR NOT BC THEY DON'T CARE ABOUT US AS PEOPLE BC THEY ARE FUELED BY GREED AND SELFISHNESS. I WILL KEEP FILING AND KEEP FILING until somebody does something about this. I'm sorry I'm upset but enough is enough I'm tired if this!!!
Product: Mortgage

AIM added my name to a mortgage without my knowledge in XXXX. 

This led to an " auction '' of my home by XXXX and XXXX and XXXX XXXX  on XX/XX/XXXX. I have been provided with no information on the status of my home ( I am on the deed ) or on a potential investor in my home. 

I have tried to communicate with the lender since XXXX. 
Property address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently notified by XXXX XXXX that there were four delinquent accounts that were placed on my credit report by " MIDWEST RECOVERY SYSTEMS ''. This account balance that they are reporting delinquent was " Paid in Full '' in XX/XX/2016 over 2 years ago. 

As a result, my good credit score between 730-740 was dropped to 680-690. Additionally I have a XXXX XXXX Clearance and am currently going through an investigation that will check my credit report and could effect my clearance since my investigation asked me about my financial credibility and is part of my investigation. I also am applying for a home loan and this couldn't come at a worst time. 

The problem that I have with this is that MIDWEST RECOVERY SYSTEMS never sent me a letter of notification giving me the opportunity to dispute these accounts and show proof. They just immediately put this on my credit report. It is my belief this is an attempt to force me to pay an invalid account to clear my credit report. A scam basically. Normally credit collection agencies send out a letter to validate a reported debt. 

I find this to be a violation of my rights to dispute and defend myself. Trying to destroy someones credit report appears to very illegal. MIDWEST RECOVER SYSTEMS did not take the proper and normal steps to validate the debt most likely because they know that there is no debt and just putting it on my credit report would be threatening and force me to give them money. I want them to be investigated as I see there process of non-notification as very illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was notme i explained to XXXX  XXXX and they sgreed to remove inquiry they determined as fraud. They have not remobed feom my transunion credit report. My info was compromised by deo florida unemployment system
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. CODE 1666B TIMING OF PAYMENTS 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS XXXX XXXX account # XXXX reporting incorrect payment history on my credit report. All my payments been on time & should not have XXXX day late payments, I want XXXX XXXX XXXX  to verify & update my report deleting these late payments as soon as possible
Product: Student loan

I am writing to bring to the CFPB 's attention of NAVIENT 's non-compliance with the law. I am writing about loan number XXXX. In 2013, I checked my credit report and I saw a fraudulent account XXXX XXXX on my credit report. I NEVER opened a student loan account with them nor sign any documents. I did an investigation and found out that " XXXX XXXX XXXX '' fraudulent included me as a co-signer in the loan without my authorization. I filed a police report with the XXXX Police Department because I lived in XXXX at that time. In the police report and affidavit, I stated that the student loan account was opened without my permission, and that my signature was forged, and I never " co-sign '' for any student loan. I forwarded it to the XXXX XXXX fraud department, and they never took care of it. It still shows up on my credit report. I told XXXX XXXX to remove my name and failed to remove it and holds the law in contempt. Please investigate this illegal matter and hold XXXX XXXX ( now NAVIENT ) accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. XXXX and XXXX returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / WERE DISPUTED ON XX/XX/2018 EXPERIAN DID NOT SEND BACK ANY PAPER WORK MORE THAN 2 1/2 MONTHS.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting

I submitted a dispute to Equifax Online dispute concerning several inquiries on my credit report I noticed when I checked it through their website. These inquiries were not authorized by me and I am confident the bureau does not have any documentation illustrating my signed authorization to have access to my credit report. I asked them to remove them and within 24 hours they responded stating that the information was correct. I have attached a copy of their response. The inquiries I disputed are not authorized and I would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a credit report dispute against USAA. First and foremost, they took longer than 30 days to provide a response as documented on my previous CFPB complaint. A direct violation of the FCRA. Secondly, they provided ZERO evidence on the investigation and just claimed they " conducted a thorough investigation ''. They also lied on the investigation report. 

" After making telephone calls and sending you notices about the past-due payment, no payment was received. '' " After making telephone calls and sending you notices about the past-due payment, no payment was received. '' " It is important to note that there was no record of you contacting USAA FSB to request payment assistance or to report fraudulent activity on your account. '' " ... our Bank XXXX XXXX staff conducted a thorough review of your credit card and confirmed that USAA FSB handled your account within established policies and procedures. '' -Let me explain how false these statements are. When I initially realized that I wasn't getting paid from the XXXX, I called EVERY SINGLE financial company that I had a loan out with. I contacted XXXX XXXX, XXXX XXXX, AND USAA. I am in the process of collecting logs from both XXXX and XXXX to prove my claim. If I called these 2 companies that I was going through a financial hardship, why wouldn't I call USAA? I even got on the XXXX financial hardship program. Secondly, the lies about the phone calls are absurd. Where is the proof that I answered the phone? I was in XXXX XXXX with a XXXX XXXX SIM card in my phone. Why wasn't an email sent? Lastly, they took over 30 days to conduct an investigation, almost 60, where are the results of this " thorough review ''? What were the procedures used? Please provide a detailed description of the procedures used. 

If this does not get resolved with this CFPB complaint, my next action will be to partner with a lawyer to pursue legal action.
Product: Credit reporting or other personal consumer reports

Complaint Description : I am filing this complaint against Equifax because they have not accurately reported my payment history to their credit reporting services on my open and/or accounts. Despite my consistent payments, Equifax has failed to update and reflect these payments on my credit report. 

Credit Reporting Discrepancy : According to my credit report obtained from Equifax, my payment history is either inaccurately reported or missing altogether. This oversight has adversely affected my credit score and financial standing. 

Impact : Due to Equifax 's failure to report my accurate payment history, my creditworthiness has been unfairly impacted. This has resulted in a lower credit score than the other XXXX bureaus and affected my ability to obtain credit. 

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXXXXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} TRUIST XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Mortgage

My credit was pulled by Rocket Mortgage with permission on XX/XX/22. On XX/XX/22 I spoke to XXXX XXXX, a mortgage banker from Rocket. I explicitly said multiple times that Rocket did not have my permission to pull my credit again under any circumstance as it was pulled the week previous. I was also told at the beginning of the call that and during that the call was being recorded. Rocket Mortgage pulled my credit again on XX/XX/22 without permission. After speaking with XXXX XXXX, another banker, my husband confirmed that our credit was already pulled and didn't need to be pulled again. The banker confirmed. We were also informed this call was recorded. My credit was then pulled without authorization. We called immediately after receiving the notification that our credit was pulled and they said because we had authorized them to pull credit on XX/XX/22 that we had given them permission to pull credit on XX/XX/22. This is completely untrue and we gave explicit instruction that they DID NOT have permission to pull credit again.
Product: Credit card

Asked for dates when these were opened and when did I have a pretty decent amount of inquiries on my credit. They gave me a really really hard time I got no where at all
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist., ( please remove these accounts before I seek litigation for the deamination of character ) XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  balance {$0.00}.
Product: Debt collection

I was treated XXXX while on vacation in Michigan. Before going to a medical facility, I checked to see what facility participated in my XXXX XXXX XXXX. I selected XXXX XXXX located in XXXX Michigan because it was the closest to my location. The hospital/XXXX XXXX billed XXXX {$1500.00} for the treatment that I received. The in-network rate for this treatment was {$970.00} which is the reason to use an in-network provider is that they have a discounted rate. XXXX paid {$630.00}. I was responsible for {$340.00}. My XXXX XXXX XXXX XXXX paid {$100.00} as that was all I had in the fund at that time. I paid {$230.00} with a credit card. These payments total the {$970.00} that I was responsible for. ( See attached supporting documents. ) XXXX XXXX turned my so called debt over to a collection agency, Wakefield Collections, for {$810.00}. I have no idea what that amount is for. This debt is now showing on my credit report. I do not owe this debt to XXXX XXXX!
Product: Credit card

I have purchased some furniture from The Value city furniture store. 
The total amount of the furniture was around XXXX XXXX dollars. I was going to use my XXXX XXXX XXXX XXXX to pay for the balance. However the sales person forced me with XXXX interest trike to open a new account with value city which is through synchrony bank. 
When I opened this account the only thing that the sales person told me that it was XXXX interest that is all. 
So I start making payment every month XXXX or XXXX whatever money that can left extra towards the balance. 
Within one year I paid off almost half of the balance.

So one day i opened the account and I saw the balance went back to XXXX XXXX dollars. I didnt know what happened. I called my wife to see if she made any purchases but she said she never did any purchases. I thought someone fraudly using my card. So I called the customer service and I explained the situation. The representative just laughed and said these are all valid charges, it is all interests. I was really shocked and I said it was interest free for XXXX  months, but it was a trap, which is called deferred interest. They explained this very well after getting their money from you. 
They didnt send any letter in the mail nor in the email they didnt disclose this when opening the account. They just set the trap and steal the money from hard working Americans.
Product: Prepaid card

On XX/XX/24, I purchased a " Vanilla Visa '' prepaid gift card in the amount of {$490.00}. Although the card was activated, it was always declined, without exception. Customer service repeatedly assured me that the problem was fixed, but it persisted. Essentially, the card wouldn't work no matter what I did. 

On XX/XX/24, " Vanilla Visa '' agreed to send me a {$490.00} refund check in the mail. They assured me that it would arrive within three weeks at most. It did not. 

On XX/XX/24, I was told that the check had been mailed and that I should have received it. They asked me to wait another week to see if it would show up, and I agreed to do so. Unfortunately, the check still has not arrived. 

" Vanilla Visa '' took {$490.00} ( plus a {$4.00} fee to the retailer, XXXX ) from me, and I got a card that simply does not work. I want my {$490.00} back as promised. Thank you.
Product: Mortgage

I submitted a loan application to Ditech Financial LLC, which is my current loan provider. I have a 30 year fixed rate loan at a 4.375 %. Based on my credit score, they informed me that I was eligible for a 30 year fixed rate loan at a 3.75 % interest rate ( APR 3.8 % ). I began the process of submitting all of the paperwork, and I was responsive within 24 hours to each of their requests. 

Even though my income has increased every year since the initial loan was made, they denied my loan application. After following up with my loan officer to explain that my income had increased every year, that I had provided all documentation substantiating that fact, and that I did not feel that the process was handled fairly, he wrote the following to me : If this is OK with you, I would like to take a new application and submit a completely new package to underwriting with all of the information completed and together. I believe we will have a greater chance of approval by doing this. The numbers look ok to me and I believe with a new package and a new underwriter looking at the file it will become approved. how does this sound to you? Please let me know if this is ok and I will rework everything and get you out the new paperwork today. I have been out for about a week so I am very behind and I am trying to get caught up. Not avoiding your call just on XXXX phone call then another. Please advise as I would like to do nothing more then to get your loan approved. 

When I inquired about the interest rate that I would be eligible for if I reapplied, and he stated that it would be a 4.5 % interest rate ( 4.79 APR ), which is higher than my current rate, and he falsely stated that this refinancing would save me money : That rate that we had on the old loan expired on XXXX, so we can not transfer that over to the new loan. Today 's current rate on a 30 year fixed rate is about 4.5 %, I would have to go in and make your new application to get the exact rate. But for an estimate a {$350000.00} loan with a 4.5 % interest rate ( 4.79APR ) makes the payment {$1800.00} which would save you {$21.00} per month. 

Given that this would be a new 30 year loan at a higher rate than I am currently under with the same provider, this information provided to me is false. I do not feel that the underwriting process was handled appropriately by Ditech Financial LLC and wish for the company to review my full income for a 30 year fixed rate refinancing at a 3.75 % interest rate ( APR 3.8 % ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me 120 days past due on the XXXX XXXX- partial account number XXXX ( page 11 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  is incorrectly reporting me 120 days past due on the XXXX - partial account number XXXX ( page 14 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due. 
I have contacted the two bureaus to fix this issue.
Product: Vehicle loan or lease

" I purchased a vehicle from XXXX XXXX XXXX in XXXX, WA ( XXXX ), and financing was arranged through Reliable Credit. However, I later discovered that the vehicle had a salvage title, which was not disclosed to me during the sale. Despite my attempts to resolve the issue, Reliable Credit hung up on me, and the vehicle was eventually charged off according to a letter received by reliable credit I wasnt driving the truck at this time and I dropped the insurance. My vehicle was stolen the same week that I got the letter that they charged it off. The vehicle was a stolen recovery according to police reports about a month later in the same day Reliable Credit repossessed the vehicle and claimed that I still owed {$15000.00} on a XXXX XXXXXXXX XXXX with a salvage title. I believe this is illegal and that they should be out of business. I have attached a copy of the XXXX XXXX XXXX price, which was marked as a regular title, and the branded title disclosure that was marked " other '' with no mention of a salvage title. This is a clear case of taking advantage of a victim of identity theft and destroying my credit. I am seeking a full refund and compensation for any damages incurred. ''
Product: Payday loan, title loan, or personal loan

Started loan in XX/XX/XXXX the loan was to be paid off XX/XX/XXXX. I paid the remainder balance in XX/XX/XXXX. And the interest was {$450.00} but had I paid the account in XX/XX/XXXX it would have only been {$720.00}. No one can tell me why the interest was so much even though it was paid early.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removes inaccurate invalidated debt from XXXX XXXX XXXX and then placed it back on report to decline credit score.