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

the following accounts are appearing on my credit report without any authorization, please review them, it is hurting me dentity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my credit that do not belong to me that appear on my Equifax credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX  C XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I have reported to Equifax that these items are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX account which i didn't authorized on my account with equifax, most of the company which appears on my credit report more than once that i didn't recognize or apply for credit with theses companies. I tried to contact the company and file a disputed with equifax never receive any responds nor answer. Also with XXXX  i have 20 dep/XXXX  which have been discharge with a XXXX  balance plus 7 other account which wasn't authorize without my consent i file a dispute to remove those items but have been unsuccessfully or no results. i need these account to be investigate fully so i can see a change on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting immediate deletion of the following account : XXXX XXXX  Acct # XXXX I have disputed this account many times disputing the accuracy of this account. Each time that I have disputed the account comes back as verified. It is CLEAR this account has not been accurately verified as each time the account is disputed the balance changes. As of reporting on XX/XX/XXXX, the balance listed on my credit report for this account is {$1200.00}. The next credit report pulled on XX/XX/XXXX, lists a balance of {$1200.00}. Im not sure how the balance can decrease on a closed account and no payment has been submitted. The report on XX/XX/XXXX, not has the balance as {$1400.00}. That is a pretty big increase. The next change in the amount for the account comes on XX/XX/XXXX, with the balance now being listed as {$940.00}. That is now a pretty big drop for an account that has not been paid on. How can this account indeed be verified with such inconsistency with the balance? It is my right for fair and accurate information to be reporting on my credit report. This is neither fair NOR accurate and after several attempts at disputing I am now requesting immediate deletion of this account. 
Thank you, XXXX XXXX Attached : Proof of the balance changes on the account listed with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two accounts twice with all credit bureaus, XXXX, XXXX and Experian. The errors are still not fixed and the accounts are still reporting on my credit reports. The account with XXXX XXXX XXXX was sold to XXXX XXXX. Both accounts are on my credit reports. I disputed the information reporting on both accounts. The credit bureaus allowed both companies to verify information that is clearly inaccurate as accurate. Again, these are the same accounts. However, the account number with XXXX XXXX XXXX and XXXX XXXX is different. The open date is different. The last payment date is different. The last active date is different. With XXXX XXXX, the open date is reporting as XX/XX/XXXX. However the last active date and last payment date is reporting as XX/XX/XXXX with XXXX. The last payment date and last active date can not be before the open date so this is obvious inaccurate information. Also, with XXXX, the payment status has been 120 days late for years. This is obviously inaccurate. I requested that the credit bureaus send the information used to verify this information. The credit bureaus did not send this information.
Product: Credit reporting or other personal consumer reports

This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Debt collection

On XX/XX/2024 I was supposed to receive my Federal Tax Refund of {$3500.00} from my XXXX XXXX XXXX Account. 
Sayer Law Group Took my ENTIRE Federal Tax Refund without ANY Written consent or warning. I was caught off guard and I would have Settled this Old Debt if it was handed differently. 
I asked XXXX XXXX to close my Account because at this point they are just XXXX Thieves. They Literally LOCKED ME OUT OF MY ACCOUNT AND SENT ME A CHECK FOR {$5.00}. They are missing the {$3500.00} TAX REFUND CHECK THEY TOOK FROM MY LIFE! I am a Tax paying Citizen and THEY NEVER GAVE me ANY NOTICE that they was taking my ENTIRE TAX RETURN. I just lost my job a week prior. I had NO phone call, email, or ANYTHING in writing saying they were collecting a Debt from a Credit Card closed over a year ago! 
I believe they are OTHER VICTIMS! 
When I called XXXXXXXX XXXX  they told me that this is Internal and that I should contact Sayer Law Group. I called the company and it just rang out. Sayer Law Group has collected a debt I believe illegally. The credit card I had from XXXX XXXX has been Closed for over a year. 
I also have had money in and out of the account that they didnt touch. This has ruined me financially recently. I Need my {$3500.00} back!! XXXX XXXX AND Sayer Law Group havent sent ANYTHING in writing to let me know they were collecting a Debt. And I am Locked out of my XXXX XXXX Account. 
I believe they are XXXX and I would NEVER recommend them to anyone.
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

This account, dating back to 2018, has been reflecting on my credit report for five years, even though the full payment of {$1100.00} was made. Although Bank of America assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days.
Product: Mortgage

Loancare LLC is refusing to accept payment from me for my mortgage. The loan recently transferred servicing to Loancare on XX/XX/26 but loancare is refusing to accept payment, violating the terms of the original mortgage, as there is no way for me to make a payment before the payment due date. I called their customer service line today XX/XX/26 and the person stated that they will not accept payment from me for another XXXX days, even though I have made every effort and in fact spent hours and hours today and previous days as well trying to make the payment. This violates the terms of the original mortgage, and will cause my payment to be late, despite me doing everything that a human can possibly do to make my payment. Loancare LLC will not accept my payment by any payment method until after the payment is due, they are trying to force me into foreclosure despite me being willing and able to make a payment and trying every possible method to pay.
Product: Credit reporting or other personal consumer reports

I checked the balance of my credit card through XXXX on XX/XX/XXXX I thought I had a balance of credit available for {$1500.00} .... instead I find the balance on this account for available credit is just {$140.00}... 
I called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX both customer service siad and verified that changes to my XXXX XXXX XXXX XXXX  were made on XX/XX/XXXX ... .. both customer representatives said they had no other information on my account but the explanation on why changes information were going to be mailed to me in the mail ..... 

I can't believe that after paying this credit card for many years ; that all I have for credit is {$140.00}? 

please help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

They're reporting information on my credit report that is already paid in full, I had a collection email because they sold my " debt '' which is not lawful in of itself but I would like a response to these laws in which I know they're violating. 

But moreover they can not be making any sort of legal determinations which they're, do they have a license to practice law and if they do that would be to my surprise because in all of my years of my life I've never once seen anyone have such a license., ... Below is an email I forwarded and CC 'd many parties of each company because they're colluding to try and get me to do something that I am not capable of doing because the matter is already prepaid. I don't wish to contract with anyone of you and you all are violating my XXXX given right to choose to accept or reject a contract, I don't pledge to the dead by XXXX XXXX XXXX XXXX XXXX mortgage is defined as XXXX XXXX XXXX. Death dissolves all things. XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. Applied to the case of the death of a party to an action. In XXXX it is XXXX ' meaning 'dead ' and XXXX ' meaning 'pledge ' ... 

( Before the email body- is read let me also say how am I even able to " pay '' these people if all they ever do is deny/refuse my correspondences what if there was negotiable instruments or drafts paid through an endorsement that identifies a specific person or organization that the payer authorizes to receive money, they'd still never know because they refuse it. According to UCC 3-603 it's

discharged so why are they still reporting false information? ) That address on file is not correct.

According to the FCRA you must send me a written notice to a valid address on file within 5 days. 

I havent received any correspondence via15 USC Code 1692 g.

I am also curious who you are Ive never heard of trueaccord. I have never signed a contract aforementioned so I never accepted any written contract with you seeing as I have unlimited right to contract and I say NO. 

So I reject your offer as all debts are prepaid and owed to the United States Treasury. 

I know Title 18 8 outlines that all debts are owed to the United States treasury, according to HJR 192 which means federal reserve notes.

Title 31 3123 is the faith of the United States in all public debt.

Title 31 3130 further illustrates the matter. 

Also refer to the Senate documents : No. 43 73rd Congress Congressional Record, XX/XX/1933 on HR 1491, pg.83 I do not wish to contract with you or consent to anything youre doing whatsoever I have never even seen or heard of XXXX. 

Especially since youre emailing me instead of giving me a written notice reporting on someones credit is already a violation of their rights. 

This is in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) ( C ) ( 1 ) ( 2 ) ( 3 ) ( d ) I have a right to know who my accuser is I dont know who XXXX is. Consider this matter closed. 

XXXX : XXXX XXXX XXXX All rights reserved. 
Without Prejudice
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX sales rep did door solicitation, installed home security devices in my home and made to sign a contract and also created citizenspay loan account in my name without my knowledge saying it can be cancelled if I didn't like their services within 3months and also marketed hifi devices but in reality installed very cheap devices. When asked immediately provided discounts of {$1400.00} and said would receive the updated contract with updated amount of {$35.00} per month including the devices cost and their services. But failed to send the contract despite repeated follow-ups and tactfully pushed cancellation time for over a month and when we sent the cancellation email they asked us to call in to cancel but do not cancel on phone saying we have to pay for the devices in full and keep charging to my wife debit card with multiple accounts despite informing them not to do so and recently received threatening call from XXXX saying the account can not be cancelled and would be sent to collections.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several inaccuracies present in my credit report, which have been the subject of previous disputes submitted by me on multiple occasions. Despite my efforts to resolve these discrepancies, the disputed accounts remain uncorrected, causing significant harm to my credit standing and overall financial well-being.

Specifically, I am disputing the following accounts : [ List the disputed accounts with details such as account numbers, creditor names, and the nature of the inaccuracies ]. These accounts are erroneously affecting my credit score and are hindering my ability to secure credit and other essential services. The impact of these inaccuracies has been profoundly detrimental, leading to undue stress and financial hardship. 

I kindly request a thorough investigation into the reporting of each disputed account. It is crucial that the necessary corrections are made to reflect accurate information on my credit report. Please provide written confirmation of the results of your investigation, including the actions taken to address these errors. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and expect a prompt and fair investigation. I urge you to prioritize this matter and expedite the resolution process. Your prompt attention to correcting my credit report will be greatly appreciated and will help restore the integrity of my financial records. 

Thank you for your time and assistance in resolving this urgent matter. I look forward to your swift response and a resolution to this issue.
Product: Checking or savings account

I initiated a wire transfer in late XX/XX/XXXX to ensure I had adequate balance to cover the upcoming rent. However, much to my chagrin, I find that everything that posted over the long holiday weekend was processed to my account on Tuesday, XX/XX/XXXX, with no logic on order of processing other than bank whimsy. I was hit with multiple {$38.00} NSF fees ( six at last count ), including two for charges which were under {$7.00} each, and for which I had a positive balance at the time of the transaction! Rather than processing the incoming wire in queue first ( which was initiated days before the transactions in question ), the bank processed every other debit to ensure they maximized their NSF " gains. '' I have been a customer for 21 years, and this is untenable. They have offered to reverse two of the fees, but I will not accept less than all of the fees being overturned. This is hugely unfair, and really lets me know what this bank thinks of its clients. Same as all banks, I guess ... .we 're all cash cows ...
Product: Credit card or prepaid card

I have a XXXX ( XXXX ) AT & T Universal Card Mastercard that closes each month on the XXXX. Minimum payment is due by the XXXX of the month. I have an auto-payment agreement for them to take funds from my checking account for the minimum balance if it is still due by the end of the month. 

On my statement closing XXXX, there was a minimum payment due of {$130.00} by XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account and successfully made the minimum payment of {$130.00}. 

And on XX/XX/XXXX, I logged into my account and successfully made an additional payment of {$160.00} to bring down my balance further. 

However, on XX/XX/XXXX, Citi drew the {$130.00} minimum balance from my checking account although I had more than paid what was due for the month. 

I was able to call them today XXXX and speak with employee XXXX, who politely looked into the matter and let me know I would be refunded the XX/XX/XXXX payment they took from my checking account. 

( I have had this happen once before with another card, XXXX VISA, about a year ago. For XXXX, this seemed to be a timing issue, but it should be completely avoidable with proper policy and systems changes. ) Most importantly, when I pay the minimum payment TWO WEEKS before it is due, I should not have the card company pulling funds from checking account. 

Needless to say, it makes it hard to plan for paying things like rent and utilities when a creditor violates an agreement and takes more money than is required. 

While I will get my refund, I do not want this to happen again EVER to me or any other card holder for any company. When minimum payment is made OR any payment is made that exceeds the minimum payment, then the creditor has NO RIGHT to take another payment. 

I would appreciate your looking into the matter. This is an especially difficult time for people who can't make two minimum payments for the same card for the same month if they have another card or other responsibilities due that month, too. 

Thank you for your assistance. 

Kind regards, XXXX
Product: Debt collection

XXXX XXXX XXXX acquired my delinquent credit card account when the credit card company sold them my information. This credit card was opened in an earlier year than is reported by XXXX XXXX XXXX on my credit file. I have tried a couple of times to dispute this to no avail. It has been said that a dispute can not lower your credit score, but the second dispute I made with this company acctually did lower my credit score, and that is when I noticed the date of when I acctually opened the account was changed. It has been just a little over 7 years since that credit card account has been closed and it should fall off my credit report now. But the way XXXX XXXX XXXX has it on my report, it seems that it will never be removed. This company seems very predatory and I am not giving them anything! Maybe I waited too long to report this, but this is the only collection agency that I have issues with. Financial issues are inevitable in this life, and I am doing my best at present to pay up my credit card bills, and I simply need XXXX XXXX XXXX to go away and stop calling me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Experian Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance : {$1400.00}
Product: Vehicle loan or lease

Called Bridgecrest and spoke with an Executive Resolution Specialist named XXXX. On XX/XX/XXXX at XXXX. I was inquiring about a loan deferment due to a short-term hardship I'd experienced. When I asked XXXX about getting a deferment since my last deferment was 6 months ago, she told me I could not get a deferment until I was 2 to 3 months behind in my payments. When I informed XXXX this kind of a delay with getting a deferment would create serious financial and credit harm to the loan holder, she reiterated that I would have to wait 2-3 months. I tried again to reason with XXXX because I knew the information was highly inaccurate. I asked XXXX what was the company policy related to anyone getting a deferment. XXXX recited again to me on the recorded line that everyone applying for a deferment would be required to wait until they were 2-3 payment late on their loan. Knowing this information was incorrect, I asked XXXX for a copy of the Bridgecrest policy related to waiting 2-3 for late payments for deferments. 
XXXX claimed this Bridgecrest policy was 'internal ' and would not send me the policy. I reiterated that it was illegal to have loan holders wait 2-3 payments for to request a deferment and would seriously hurt me as a loan holder and others. XXXX doubled- down and told me I would have to wait 2-3 payments for a deferral without respect to written policy and refuse to forward my deferment request to the proper financial department within Bridgecrest.
Product: Mortgage

I am a homeowner, financed by Ocwen. I lost my job in XXXX, applied for mortgage assistance and XXXX ; both through Ocwen. After many tries, an intent to forclose was filed. Months later a trial modification was approved for XX/XX/XXXX ; which continued payments through XXXX. After this period the modification was denied. About 3-4months later, Ocwen called to say they would reconsider a newly filed application. This was approved for trial XX/XX/XXXX ; and to resume payments. XX/XX/XXXX Ocwen told me that FHA Regulations would not allow for modification. Each arrangement ended with a refund of mortgage and overpayment of escrow. I am now facing forclosure again. I have been working with HUD counselors throughout the process. Please advise me. Thank you.