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

Contents of Complaint : This CFPB complaint is filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agencies XXXX, XXXX, and Equifax block XXXX appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of receiving this complaint. The disputed information includes fraudulent and inaccurate details from several accounts. A personal credit card account with XXXX XXXX was opened in XX/XX/XXXX, which incurred fraudulent charges of {$520.00}. Additionally, an account with XXXX XXXX XXXX XXXX was fraudulently opened in XX/XX/XXXX, though the amount of fraudulent charges is unknown. There is also an unauthorized account with MI XXXX XXXX XXXX XXXX but both the opening date and fraudulent charge amounts remain undetermined. Furthermore, a fraudulent account associated with XXXX XXXX XXXX XXXX has accrued {$900.00} in fraudulent charges, and similarly, an account with XXXX XXXX XXXX has an unspecified opening date with fraudulent charges totaling $ XXXX XXXX XXXX  {$880.00}, XXXX XXXX {$1100.00}, XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$1900.00}, XXXX {$4500.00}, XXXX XXXX {$320.00}, XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX These accounts have led to several unauthorized hard inquiries and collections appearing on my credit reports. I've attached a list of the hard inquiries in question and a copy of the consumer XXXX credit reports showing the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries on my credit reports were not initiated by me and are the result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX as evidence from the US Federal Trade Commission that all the disputed consumer credit accounts, collections, and hard inquiries are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting actXXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documments. Do not close this complaint stating it is not me. I am a naural person and a consumer.
Product: Debt collection

I WAS FULLY COVERED BY XXXX XXXX XXXX XXXX WHEN I WENT THRU XXXX. ALL MEDICAL INSURANCE INFO WAS SUBMITTED TO FACILITY, BEFORE XXXX BEGAN.
Product: Debt collection

THE INFO THAT ON FILE IS ATTACED TO NAMES COMING FROM WRONG INFORMATION ON MY CREDIT THAT IS INACCURATE WITH NAMES AND ADDRESS REPORT MY ON CREDIT REPORT INACCURATE INFORMATOIN THE INACCURATE INFORMATION ON MY REPORT IS CUASING ISSUSE WITH INSURANCE COMPANY AS WELL ON MY CREDIT REPORT FRAUD CAUSE ISSUSE
Product: Debt or credit management

Central Portfolio Control did not contact me. The debt appeared on my credit report. 
I called the collector. 

The first call was unproductive. The agent stated that she could provide no documentation. After this call the settlement amount disappeared from the company website. On the 2nd call I was transferred several times. 

The 3rd agent ( XXXX ) took my debit card info. She stated it could take 2 days to process the payment. She provided a settlement letter. Phone records show no other calls to Central Portfolio.

My credit report now shows what the difference would have been without the settlement. Central Portfolio has refuted my XXXX dispute. This account has been settled.
Product: Money transfer, virtual currency, or money service

Specifically Cash App failed to take timely ano effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Consumer Loan

I am a victim of What I now know as a " BUY HERE PAY HERE '' scam. In XXXX, I paid a {$2500.00} down payment in purchase of a XXXX XXXX XXXX car from XXXX. Signed all the documents with the agreement that I 've been financed in house ( Meaning there is no third party financing involved ). I made on time payments of $ XXXX monthly to XXXX as stated in the attached agreement. 
To my surprise MID ATLANTIC FINANCE bought the loan from XXXX without my consent or knowledge. ( This is common practice with MID ATLANTIC FINANCE as I found out in several online complaints ). 
I contacted XXXX and the owner stated " they will receive payments from you for now ''. 
I made payments to Mid Atlantic finance monthly, and still got payment reminders to be sent to XXXX. Very confusing. A couple of late payments were as a result of this inconsistencies. 
However, on XXXX XXXX XXXX, I was in a car wreck and the automobile was no longer drivable. I contacted XXXX and notified the owner of the accident. 
The balance of {$2500.00} cash was paid to an employee of XXXX who usually receives payments. 
I got a call from Mid Atlantic finance about an outstanding pay off amount. I explained to the representative that it was paid to XXXX to which she said it was okay. 
To my surprise, this negative item remains on my credit report as an unpaid balance. 
This is not accurate and is damaging my credit file. I THEREFORE DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT FILE More importantly, the transference of my account to a third party for profit without my consent is a breach of my initial agreement with XXXX.
Product: Debt collection

XX/XX/XXXX, XXXX was repeatedly phoned on my cell phone and place of work. On XX/XX/XXXX spoke with woman who said she was private investigator hired by company in reference to transaction in XXXX, she was hired to serve papers to me and that she would be speaking to my supervisor to find out my next day of work to know when she could serve me with papers
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXXXXXX XXXX Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/2018 Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately.

The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan with Toyota Financial with a payment due date of the XXXX of every month. 

XX/XX/2021 - I was 26 days past due on my monthly payment and requested the payment for the month be extended to the end of the loan. I spoke with a customer service representative named XXXX. During the call, XXXX told me that she would check to see if I was eligible to extend the payment. After checking, she came back and told me that I was approved. I do not recall her telling me that she was emailing me something to sign, but according to Toyota, she did. What she did not do was tell me that I had to have the document back before the extension was actually official and that if I didn't have the document back before the next payment, a 30 day negative report would be reported to the credit bureaus. 

During the call I specifically asked XXXX if the account had been reported negatively to the credit bureaus, she confirmed that it had not and I explained that I was glad and that I didn't want that to happen. Even at that time, the representative did not explain that the extension was not complete and that I needed to have the signed document in before it was. 

At the end of the call, based on information given to me by the representative, I was under the impression that the extension was granted and I was not at all aware that if was not final until the signed document was submitted. 

I did not sign the document until around XX/XX/2021. A couple of days later, I got an alert that something happened with my credit score, upon looking, I saw that I had a negative report from Toyota.

I called Toyota and told them that I did not recall the rep ever telling me that I had to sign the document, and that I know she did not advise me that the extension was not final until they received the signed document. She DID tell me that the extension was approved. 

I have requested that Toyota remove the negative report since they told me the extension was approved, not conditionally approved. They have declined to change the report. 

On XX/XX/2021 I asked for the recording of the call. On XX/XX/2021 I called and spoke with a representative named XXXX and he told me that Toytota had the recording, but I could not have a copy of it, nor would they let me have a transcript or allow me to listen to the call. 

I believe Toyota was wrong for the negative reporting, since they APPROVED the extension on XX/XX/2021 and did NOT tell me that it was not approved until the document was signed. 

I would like the negative report removed and I would like to hear to the phone conversation or have a transcript.
Product: Mortgage

On XX/XX/2021 XXXX  XXXX  Services a vendor with my servicing company Community Loan Servicing removed the lock on my front door after deerming my home unoccupied. I have filed XXXX complaints and still don't have a clear answer to the main question. So I am asking again. How did my home get classified as vacant without attempts to notify me? How many times was attempted contact made and by whom? What time of day? Were materials left and if so where did the inspector place them? When was community loan servicing notified that property was vacant and did anyone try to contact me to confirm? I want dates and times.
Product: Checking or savings account

On XX/XX/XXXX my debit card was stolen and all my savings of {$600.00} was withdrawn from an ATM at XXXX PST time I woke up in the morning and saw that my balance was low {$19.00} dollars so I immediately called the chime bank and told them that my debit information my card was used unauthorized in the amount of {$600.00} plus fees. I sumbitted a claim, it was investigated by them and then denied closed in less than 24 hours. I called again and spoke to manager she reopened the case however they took 1 week and denied and closed case.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX, ( XXXX ) Account name : # XXXX XXXX ( XXXX ) ( XXXX ) Account name : # XXXX XXXX ( XXXX ) XXXX XXXX XXXX Account name # XXXX  ( XXXX XXXX XXXX ( XXXX ) Account name : # XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ) Account name : # XXXX XXXX  ( XXXX ) Account name # XXXX  XXXX XXXX ( XXXX ) Account name # XXXX XXXX XXXX ( XXXX ), has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There is information onmy consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of the information be blocked and deleted. My request to block is not being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identfied transactions are not information related to any transactions by as the consumer. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am suffering from identity theft crime, and the problem was reported to the creditors and to the credit reporting agencies. Reported companies are ; 1. XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX and XXXX XXXX Because fraudulent accounts were made using my personal information, the accounts were being reported on my credit report. I simply requested all accounts made without my authorization to be removed immediately from my credit report. 
During the request of removing false accounts from my credit report, i have requested few documents from the creditors in order for me to inspect how these accounts were made. The requested documents were A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account The creditors never provided me with hard copies of these documents, and credit reporting agencies never provided me their method of verification after the request. 

Both parties are in violation of FCRA and Fair Debt Collections practices act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is not and has never reported my mortgage account to the three credit bureaus, since XX/XX/scrub>XXXX XXXX 

I have reached out to them on several occasions to try to get this resolved, and they keep telling me to " dispute '' this matter, but you can only dispute something that exists. My mortgage account with XXXX XXXX XXXX XXXX does not exist, according to my credit report, so there is no way I can dispute their not-reporting. 

Their lack of reporting is fraudulent.
Product: Debt collection

Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( "  XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. 

On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 )  Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. 

To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX on XX/XX/XXXX and did not receive a satisfactory dispute response.
Product: Debt collection

XX/XX/XXXX Santander opened my closed/written off debt account that had a $XXXX  balance since XX/XX/XXXX and changed my terms from 72mos to 81mos and changed my balance from $XXXX to $XXXX. I disputed with bureaus as fraud. Bureaus allowed Santander to add that amount. On XX/XX/XXXX Santander, once again, opened my closed/written off debt again, and changed my $XXXX balance to $XXXX and also reported me as late/missing a payment which dropped my score 41pts and changed my 100% payment history to 98%. I disputed with the bureaus again. My balance changing twice within  eight months on a closed/written off account. I also phoned Santander and was given two totally different amounts owed. Once I read my credit reports to them, I was met with hostility and told, the debt isn't going away whether I like it or not. I asked to speak to a supervisor. XXXX XXXX got on the line. He stated the only balance he saw was for $XXXX  as of XX/XX/XXXX. I reiterated the events of XX/XX/XXXX and current day. He stated that he isn't aware of the company being allowed to open a closed debt and tack on monies and change the debts terms. I was told by him that he'd get to the bottom of it and call me back. 12days...XX/XX/XXXX later, I've yet to hear from him. My credit reports have not been fixed.
Product: Mortgage

My wife and I purchased a property back in XX/XX/XXXX. Between XXXX and XXXX my bank, XXXX, sold my mortgage to another bank, PennyMac. In XX/XX/XXXX my insurance company, XXXX, was reaching out to the bank for policy payment, around {$1600.00}, but they were reaching out to XXXX. I received a letter in XXXX XX/XX/XXXX from XXXX XXXX that I need to make a payment or my policy would be canceled. I called PennyMac and relayed this information. 

In XX/XX/XXXX PennyMac notified me my property had no insurance coverage. I was able to get new insurance through a different company, XXXX XXXX. 

In XX/XX/XXXX I received a PennyMac statement that said I owed {$2800.00} instead of the usual {$2200.00}. When I asked PennyMac bout this I was told the increase in mortgage was due to a shortage in my escrow account from a lender based insurance policy that was placed on my account for the year XXXX. XXXX stated that their notes show that when I gave them notification to pay XXXX in XXXX XX/XX/XXXX, they reached out to XXXX XXXX process a payment. During the coordination between PennyMac and XXXX, PennyMacs notes show that they were trying to send a payment by overnight check, however, XXXX could not verify the address so it was conveyed that PennyMac would send the payment by mail. 

When I spoke with a XXXX representative, I was told the police was canceled on XX/XX/XXXX, the day before PennyMacs payment arrived. I was also told XXXX does not have any notes that PennyMac conveyed to them payment was going to be sent by mail or XXXX would have placed a payment hold on my account. 

PennyMac thinks I am liable for not having insurance and I think PennyMac is liable for letting my insurance policy laps in XXXX. It is the responsibility of PennyMac to make my insurance and property tax payments on time. Although I gave them late notice in XXXX, The failure occurred during the conversation PennyMac had with XXXX to send the payment needed. For this reason I would like {$3500.00} lender based insurance policy payment put back into my escrow account. They are refusing to do so. 

PennyMac representative stated they do not have the option to send me evidence that they coordinated with my insurance company in XX/XX/XXXX. PennyMac representative also stated that notes show PennyMac tried to reach out to XXXX multiple times during the year in XXXX and received no response. I was not aware of any problem until I was notified I did not have insurance by PennyMac in XX/XX/XXXX.