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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX 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.
Product: Student loan

I was trying to get a lower payment as I became XXXX and was n't able to work anymore. My income was reduce tremendously but I still wanted to try to make payments on my loan. So when I reached out to Navient they informed me that my best option would be a forbearance that way I would have more time to get on my feet. So when my forbearance ended the payments was too much to handle. I 'm a single XXXX mother of XXXX. I barely can afford food to feed a family of XXXX better yet pay $ XXXX+ a month for student loan. I know they have to be repaid but they could have have me lower monthly payments or explained all options.
Product: Vehicle loan or lease

Bank of America charged off a loan that is not resolved. I do not owe the amount they charged off because they are supposed to repossess the car and sell it. I am responsible for the difference. 

XX/XX/XXXX, my XXXX XXXX was in an auto accident. It was repaired by XXXX XXXX XXXX, XXXX, NY. XXXX XXXX issued a check paid to XXXX XXXX XXXX and another party. The car is licensed, registered and insured under my name only. Even though it was a third-party check, Bank of America cleared the check with one signature ( the other party who does not have any claim to the car ). The Body shop was not paid. Numerous calls to the insurance company and they said they were waiting for Bank of America to re-issue another check to pay for the car. XX/XX/XXXX I lost my job and I called Bank of America and asked them to take the car. I was told that a voluntary repossession was not possible because my account was current. My situation got worst ; I was diagnosed with XXXX XXXX in XX/XX/XXXX. I called Bank of America when I realized they did not pick up the car and explained my situation and told they need to pick up the car. They said they would have someone go to inspect the car and let me know the next steps. I never received a call about the next steps, just daily calls harassing me for payments. I told my story to numerous representatives and to date, no resolution. Now it is on my credit report as 'charge off. ' The last representative I spoke with, told me that the record shows, that Bank of America is deciding if they should re-issue a check or pay XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently tried to open a bank account and was declined because I owe money to XXXX XXXX The problem is that I NEVER had a XXXX XXXX  account before. 
Please delete this account from EWS XXXX XXXX. This is Not even my name and this is clear Fraud.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX and XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A UTILITY BILL account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ) opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account number ( XXXX ) Opened on XX/XX/XXXX, XXXX XXXX XXXX Account number ( XXXX ) Opened on XX/XX/XXXX and XXXX XXXX  Account number ( XXXX ) Opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Mortgage

Spoken to XXXX and she went from being respectful to disrespectful on the phone on XX/XX/year>. Then claiming I was making threats after I brought up the employee that threatened to shoot me and my comment stating that I will protect my family at any cost. 
This company has a few good people who have accepted my payments but the majority have been horrible and refuse to allow me to catch up from XXXX XXXX. The home insurance prolong the payments. 
I wasn't able to have the lights turned on until XXXX which was XXXX  months after the XXXX. That was the money that would have gone to the mortgage. 
They refused the step in to assist with their insurance. 
Rocket mortgage has proven that they careless for their customers. 
On the XXXX of XXXX it took talking to XXXX people to take a payment. 

I am active military and rocket mortgage has denied me access to XXXX benefits and refused the SCRA Forbearance or any Forbearance. The started a preforeclosure and tried to hide it. XXXX XXXX. XXXX is some XXXX. After talking to XXXX people, he gets on the phone trying to dominate the conversation interrupting me and refusing to let me speak. This was on XX/XX/XXXX. If I was in person he would probably push me on the ground to take my milk money, which was his tone of his voice.
Product: Mortgage

I have been making payments on the mortgage for a few years. No problems. Now I am locked out of my account. This has been going on for XXXX months. I get no response by phone. I sent a regular mail letter to the company and got no response.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i have been disputing account on my credit thats reporting inaccurate information from XXXX transunion and XXXX it keeps coming back verified i asked for proof they doesnt provide me with anything about the accounts i have been voilated by codes 15 U.S. Code 1681 ( i ) - not deleting items that are inaccurate or incomplete 15 U.S. Code 1681 ( i ) ( a ) - not providing you with the method of verification within 15 days after asking for it 15 U.S. Code 1681 ( i ) ( a ) - not reviewing all documents that you send them in your disputes therefore not conducting a proper re investigation
Product: Credit card

RE- Account # XXXX payment of XXXX ( XXXX XXXX XXXX XXXX seventy-six ) tendered. 

TO : CELTIC BANK/CONTFINCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are connected to the number XXXX issued by the Social Security Administration as a Trust wherein I XXXX : XXXX XXXX XXXX XXXX that XXXX the beneficiary. CELTIC BANK/CONTFINCO requested my social Security Trust number to open CELTIC BANK account XXXX and therefore became the Trustee. 

With this letter, I have included the payment coupon slip that was included with the statement sent by CELTIC BANK/CONTFINCO as payment of what is owed to account XXXX. The payment coupon slip is payment according to UCC-3-104. Per UCC3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is a discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

I, the beneficiary, also request the CELTIC BANK/CONTFINCO XXXX XXXXrustee, keep this credit line open for me to use while continuing to accept my signed coupon as payment this time and going forward. This offer is considered accepted at the time of acceptance and is communicated by mail via the Mailbox Rule.

Tender of Terms In the event this tender is insufficient or has errors you agree to provide a complete detailed explanation of such deficiencies, along with the original documents intact and unaltered, otherwise we agree that you are possessing the lien security for settlement. Furthermore, if I do not receive the original security intact with your detailed explanation of the insufficiencies, we agree that you have monetized the instrument. Any other correspondence constitutes your agreement of the coupon as tendered. If you reject the payment slip without written explanation within 10 days of this receipt, or claim to have shred it, I still expect you to follow the law and discharge the debt by filling a 1099 C and provide me with a copy. This is a legal action that you must do to stay in honor. If my payment is not honored OR a 1099 C is not filed ( with a copy sent to me ) within 10 days of receipt of this mail, then I will report your dishonor to the Internal Revenue Service Via form 3949-A Finally, as the Trustee, which CELTIC BANK/CONTFINCO volunteered to be the Trustees, I request you send me a full accounting of all activity in the Trust XXXX XXXX XXXX from its inception so that I may have this for my records as the beneficiary of the said trust. 

Done in good faith and without prejudice. 

By : XXXX XXXX XXXX, XXXX Without Prejudice All Rights Reserved RE : Account XXXX payment tendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this because XXXXXXXX XXXX XXXX  received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX and XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXXXXXX XXXX 
Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 
My recent XXXX, Experian, and XXXX consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. 
Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXXXXXX XXXX XXXX 
However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. XXXX, Experian, and XXXX, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXXXXXX XXXX XXXX received a Billing Error Notice and this account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. The disputed amount in the billing error notice may have increased since the date of the notice but does not change the fact that my account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Fraud transactions happened in my remitly account between dates of XX/XX/XXXX to XXXX XX/XX/2022, total of 12 transactions. I contacted remitly customer service, they did not provide me refund or any sastifactory reponse and they locked my account without any reason. Then i contacted my bank and i filled a complaint, investigation happened one month and they told me to contact remitly, as they cant do anything. i am suffering from this from last 4-5 months. Please pay attention to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been mailed and faxed XXXX XXXX 6 different times and each time they claim they did not receive the documents and they do not upload the items i have provided and mailed tracking numbers showing they did receive and they refuse to block and remove items which are fraudulent. namely the XXXX account and 9 different inquiries. this is my last attempt at resolution to block these items from my report otherwise i will seek legal lawsuit for damages caused by ignoring the FCRA
Product: Debt collection

CONVERGENT OUTSOURCING, INC IS REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS HURTING MY CREDIT REPORT AND SCORE. 
XXXX ACCOUNT IS NOT MINE.
Product: Debt collection

Portfolio Recovery has been calling non stop morning and afternoon to my work phone, personal phone and partner phone. I don't believe the balance reported on my credit report is valid.
Product: Debt collection

I discovered that Sentry had placed a debt on my credit report. When I spoke to them they confirmed that this was from a property that I had previously rented from. I confirmed to Sentry that this debt is not mine, and I do not owe any money to that property. I requested proof of the debt, the original purchase agreement, and evidence of a genuine investigation. They provided neither and began avoiding my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a letter from a collection agency stating that I owed XXXX {$330.00}. I knew this was false because I have never used XXXX, nor have I even ever opened up an electric bill in my name. I had roommates and another address and our electric was through a different company and it was in my roommates name. I lived at my previous address for two years, which outdates this false claim to me, being 1 year ago. 

So, number 1, I have never had an electric account in my name. Number 2, the address listed on my my credit report that is associated with the XXXX account is not mine. Number 3, I lived at my previous address for 2 full years which outdates this false claim. Please help.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX  XXXX Account name : XXXX XXXX Bank XXXX XXXX XX/XX/year> 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

On XXXX XXXX, 2015 I received a letter from CitiMortgage stating The Making Home Affordable Program recently announced an expansion of borrower " pay for Performance '' incentives for eligible loans. I met all the qualifications and received the {$5000.00} which was applied to the principle. This {$5000.00} would have reduced my mortgage by $ XXXX monthly. The form to accept this offer required my signature only ( see attached ) Received my monthly statement from CitiMortgage for {$2000.00} instead of {$1900.00} ( recast ) incentive the paper work I received and phone contact from CitiMortgage all indicated I received the recast and was approved. Called CitiMortage was assigned to XXXX XXXX. XXXX XXXX # # XXXX EXT # XXXX. She stated only I had to accept the offer but all must sign the RECAST paperwork, if stands to reason IF ALL MUST SIGN TO RECEIVE THE REDUCTION IN THE MORTGAGE " ALL MUST SIGN TO ACCEPT THE OFFER AS WELL. I feel like a VICTIM OF A BAIT & SWITCH SCHEME. Please help me Im XXXX on a fixed income. $ XXXX monthly may not seem a lot to some but it is to me.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a line of credit with XXXX XXXX ( grid ) my bank account had to be changed so I tried linking my new account and it would not link .That caused me late payments.I have been trying for months to pay off my line of credit of $ XXXX.I was informed they are not accepting payments right now because of problems with their banking partner XXXX.Although the app is saying my payment is past due I can not make payments .They are destroying my credit because Im getting dinged for being late and from not paying it off.They are also charging interest on the {$200.00} even though no payments can me made at this time.So how do I get out from under this fraudulent company .I just want to pay my loan off and cancel my account .I also want my credit report fixed because they have told me numerous times once I paid my balance off they would fix my late payments.I just want to pay off my debt pleas!!!!