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

I noticed in XX/XX/2023 that there are a ot of accounts on my credit report that I do not recognize. I was unsure of the proper way to handle this situation along with the correct steps to follow until now. I am a victim of identity theft and this needs to handled asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting derogatory information for 7 years and have not removed the information from my credit report. XXXX first reported this account derogatory XX/XX/XXXX and the company reported the account derogatory again in XX/XX/XXXX when the account was in fact current. Experian is reporting derogatory information for an account XXXX XXXX XXXX and the account status was updated to derogatory when the account is Current. I have in good faith tried to correct this information with Experian and they continue to ignore and dismiss my dispute. I will continue to dispute this information until we end up in court. I will take all of my previous disputes where experian has done nothing as proof in court that I have tried to rectify this situation.
Product: Debt collection

My complaint is with Second Round Sub, LLC. This company sent me an Invoice in the amount of {$3000.00}. They purchased this from the original creditor XXXX. 

I am not in contract or never was in contract with Second Round Sub, LLC. In their Invoice, they stated at the bottom that they can not sue me as the law limits show that the age of the debt is old. But, Second Round Sub, LLC is trying to mess up my credit Report with this extortion notice. 

As of XX/XX/2015, my debt with XXXX XXXX was charged off. As of XX/XX/2015, XXXX no longer showed that XXXX reported any debt owed to them. Also, I had a lawyer working with me on this case with XXXX. They did not respond to any of the lawyer 's notice. The debt with XXXX is old and charged off and no longer showing on my Credit Report. 

Second Round Sub, LLC is trying to damage my credit report. Again, I am not in any contract with this company. They are fraudulently contacting me for a debt that I do not owe them. I do not trust this company and see them as harmful to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX in the morning I schedule an appointment with an employee at KeyBank located in XXXX Oregon. 

I recently was a preapproved on a credit card for an auto loan and went into inquire about seeking preapproval on a loan through KeyBank. 

I explain this to the representative who is transferred over to the manager. 

I specifically asked for preapproval in which they instructed me to sign a piece of paper for this preapproval. 

After the appointment I was contacted on Friday, XX/XX/XXXX to be told that they were still reviewing my options. 

Upon this I received word on Monday that they werent going to approve any preapprovals. 

Shortly after that I was given a notification through my Phone app that this particular bank did a hard check on my credit without my authorization which will now be on my credit report for two years. 

I went to the bank to report this and they told me that the only thing I could do is send a new complaint to you. 

In addition they were not willing to do anything else. 

I wish to protest this particular inquiry and have it removed off my record. 


Thank you XXXX XXXX
Product: Checking or savings account

I have been trying since XX/XX/2024 to have the name changed on my account from my name to my trust. I have contacted customer service by phone, regular mail and email and my account still has not been changed. I received a response to my email asking for a marriage certificate, court order or drivers license showing the name change. I wrote back that I included a copy of my Certification of Trust and that they should check with their legal department if they dont understand. I never received a response.
Product: Credit reporting or other personal consumer reports

I LOOKED BACK AT MY REPORT ON XX/XX/year> AND I NOTICED THAT SOME THINGS ARE INCOMPLETE AND INACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. I SENT A LETTER ASKING THEM TO INVESTIGATE THE ACCOUNTS BELOW BECAUSE [ XXXX XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX XXXX XXXX  ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE XXXX XXXX XXXX XXXXXXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE XXXX XXXX XXXX  ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE XXXX XXXXXXXX XXXX XXXXXXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, send me confirmation that you have complied with my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX  reported to the Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Product: Mortgage

Fulton collected {$1700.00} as initial escrow funds for my account. 
Fulton charges me {$440.00} every month to fund my escrow The statement says escrow ( taxes, insurance ). Every email I have from them says insurance + taxes = escrow. 
Their excel sheet used to agree on the amount shows hazard insurance and taxes. 

Fulton refused to pay my home insurance claiming it is not their responsibility.
Product: Debt collection

XX/XX/2019 {$130.00} This account has caused me financial ruin. This account is an result of fraud
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Sep. XXXX, XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX. XXXX, XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX {$390.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX {$1200.00} my name was leap in the data base
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Vehicle loan or lease

I went to XXXX XXXX downtown to trade my car in and purchase a new vehicle..While under the impression my car was being traded in, i found out i now have 2 car loans on my credit..Now that the new car is repossessed, I'm having a hard time trying to get my credit fixed when i told the manager that i was under the impression that it was a trade in.. I feel this is fraudulent
Product: Mortgage

I have inclosed a letter explaining our long drawn out frustrations with Wells Fargo. 
I am submitting Documents and receipts showing our cost of what it took us to complete our process on removing PMI on our mortgage. Before COVID-19 and up until now I have made numerous calls to Wells Fargo Representatives whom claim they are here for us through letters they send us. Every time I call and leave V.M. 's I have yet to recieve a call back. No response. One of the representatives ( XXXX XXXX XXXX ) called and said she could not help us and we need to go through someone else. XXXX was very nice, she just was not there for us as stated that she would be in letter she sent us. Wells Fargo has continued to lie to us and misrepresent us. No one at Wells Fargo wants to take responsibility.
Product: Checking or savings account

Wells Fargo taking monthly payments out of bank account when I bank solely with them and use my debit card to make most of monthly purchases
Product: Mortgage

I had a mortgage loan for about 8 years. Ever since my loan servicer transferred from XXXX XXXX XXXX Selene Finance, I have been having problems with my account. My loan has never been escrowed and my taxes and property insurance are paid directly to the township and insurance agency. Selene performed an annual escrow analysis in XX/XX/year> and decided that they wanted to escrow just the taxes without sending me an initial escrow disclosure and with no cause since my taxes are paid up. I have talked to multiple people and everyone has a different answer on why it happened and they can see my taxes have been paid on time. I can never get ahold of a supervisor and there have been times in which I start asking questions the Customer Service representative hangs up on me and then I have to start the process over. I asked why is my account getting escrowed now and I never received an initial disclosure and no one can answer. Then someone said my township sent over a tax bill. I called the township and they said they don't send out delinquent tax notices and plus my taxes are paid up to date. So I asked them to remove the escrow amount from my payment and paid back the escrow that they paid out and still nothing from them. Every time I send my payments they misallocate them to whatever they feel like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to XXXX, Experian and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

I attached the original letters I've sent to them trying to resolve this problem! 
Please see files attached!
Product: Debt collection

I recently checked my Experian report and saw a fraudulent collection from XXXX XXXX XXXX. 
I have never done business with this company I dont know this company this company doesnt have a contract with my signature. 


I reported a fraud report with FTC.gov on this situation.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX
Product: Debt collection

On the XXXX of XXXX I recieved communication that I was being sued, by XXXX XXXX and yes I have done business with them years ago, but now they are suing me without ever informing me a debt nor giving me any opportunity to even know if this is my debt I asked for prove like a Dunning Letter or something to say I had an option to dispute this debt and they have not did that, I just received A response from the lawyer office the week of the XX/XX/XXXX, with still no prove nor did they answer my questions, they sent the same thing that they filed the lawsuit with! I am just mailing a certified letter on XX/XX/XXXX to again ask for proper documentation on this claim and I also having to appear in court on XXXX the XXXX to appear in front of a judge and this is an illegal process and these ppl want send me any prove that shows this is me or any letters sent to me prior to this court case. This should be dismissed and this ppl should be paying me and not to mention a 3rd party has information about me for which I didnt give permission to do so, they are illegal suing me. Also, attached below is the only information given that they were able to file a lawsuit on! That should not be! Also, all information redacted account numbers, pricing, etc. and XXXX was not contacted because they never contacted me and everything is going through Scott and Associates.
Product: Payday loan, title loan, or personal loan

I have a personal loan with XXXX XXXX in XXXX, SC. This loan originated at the XXXX, SC branch on XXXX XXXX XXXX. The original loan amount of {$5500.00} with payments of XXXX that started XX/XX/XXXX. I have been having to pay {$240.00} a month because they want to " round '' the payment up but I am not seeing where the extra principal is being applied to my account. Last XX/XX/XXXX my payoff balance was {$3300.00} and now they telling me it is {$4100.00}. I pay ahead in large sums of {$1500.00} which covers 5 -6 months of payments. I now find out they have been charging interest for the months that are covered. When I log into my account online, my balance is {$5100.00}. I am tired of being deceived of this account balance. I have to call every month to get a " payoff '' amount that is more true because I can't keep track on my amortization schedule of the payoff amount. they call me every hour even though I am not late. I feel they are in CFPB violation of lender laws by not being transparent of my account balance.
Product: Credit card or prepaid card

XX/XX/2019 I purchased a set of 3 robot vacuum for {$190.00} and a warranty for another {$20.00}. The ad showed and specified that they worked on any surface, carpet etc. When I got them, they did not work. I immediately asked for a prepaid return label to return them. They could have been damaged in delivery or defective but its probably just a dishonest company pulling a scam and using USPS to do it. I then informed PayPal that I refused to pay the charge or the s & h and requested them to recourse it back to the merchant. If the merchant would like to sue me they are more than welcome. If they want the merchandise returned, then they will have to send a prepaid return address label. I have called PayPal numerous times and been transferred to all their departments from PayPal credit to resolutions and back again and to various managers. Thus far they have refused to recourse the charges back to the merchant as I requested. I refuse to pay the charge and have made that clear since I received it. My understanding is that I have that right with any credit card charge. Please help. 
Thank you for your time.
Product: Vehicle loan or lease

Exeter finance is a money hungry organization ... they have no regards to others. Especially during this pandemic ... I have been having financial hardships lately with me about to deploy to XXXX in a few months. They recently charged me XXXX dollars for having a payment that was 2 days late. Others have also said that they were repossessed during the pandemic. This company needs to be shut down. And as a American XXXX member I am highly disappointed!
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian Credit Bureau in regard to incorrect information reported on my credit report from " XXXX XXXX ''. The XXXX XXXX Account was closed and charged off on XX/XX/year>, however, the credit grantor has continued to report the charge off on a monthly basis for 5 years. After filing the dispute with Experian, they did not resolve the issue by removing the creditor from my credit report.
Product: Debt collection

I received a notice stating that I had already been sent a debt validation letter, but I had never actually been sent that letter. If the company had actually sent me a debt validation letter, I would have been able to dispute the debt. It claims that I owe money to  XXXX   XXXX , but my billing history shows that I paid every bill.
Product: Mortgage

On XX/XX/XXXX I made a one time payment for the mortgage payment due online. On XX/XX/XXXX XXXX also made a recurring payment of {$100.00} to go to escrow. There was an option to choose for the payment to go to escrow. The following morning I received a text message ( see attached ) that stated " We have received your request to modify your existing recurring payments. For details, visit ... ''. I did not sign into my mortgage account website to request to modify the recurring payment. I also received an email ( see attached ). After receiving the email, I then logged into the platform to find that an additional {$2500.00} had been added to my recurring payment. I did not add this nor did I initiate or authorize any modification or addition to the recurring payment I set up on XX/XX/XXXX. After discovering the addition of {$2500.00}, I cancelled the recurring payment. 

Why are my recurring payments being altered by your company? 
Why are there so many software bugs THAT ARE AFFECTING MY MONEY?
Product: Credit reporting or other personal consumer reports

I responded to the Payday loan company asking them to stop calling cause i paid off the settlement amount i disputed them on My XXXX XXXX account and said this is fraud were is my receipt This XXXX XXXX XXXX was paid they operate in Tax Fraud and Tax Break clearly a law suit here1099c if its a charge off and settlement amount was paid no response still calling me they need to be reported to IRS This company name and they were paid with profit loss they never presented and took a Tax Break they have cost me thousands this is a law suit statutory fraud 2. I had these Medical Bills Applied to my credit report that has been paid off i disputed on my credit report numerous of times they have been paid off they never presented an 1099c the have taken Tax Breaks this is Fraud in the worst way and I plan to take legal actions this company should be reported to the IRS for statutory Tax Fraud and credit reporting fraud and Take Tax Breaks not reporting This XXXX XXXX XXXX have had Multiple things on my credit I disputed them over and over they have Taken big Tax breaks never given 1099c they have taken Tax breaks they have committed statutory fraud they need to be reported to IRS they have cost me thousands and sickness please help me resolve these unjust legal issues so i can pursue a lawyer
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts bellow : XXXX ( Finance ) XXXX XXXXI ( Auto )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was examining my consumer report and saw an account of US DEPT OF EDXXXX with informing the law in pursuant to 15usc1681a ( d ) ( 2 ) ( ii ) if the account is being verified as accurate from the 3rd party debt collection agency then there had to have been communication involved which is prohibited from consumer report. This is a violation of the fair credit reporting act, any communication from this account from other 3rd party corporations is in violations of the fair credit reporting act and is in violation of my privacy. I also see Experian is censoring me by not allowing me to dispute this account any further through online. I can not trust Experian enough to dispute through phone call because they could be misconstruing my words incorrectly. Please remove this account from my consumer report.