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

Multiple ; e account that are incorrect are reporting on my credit file 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, credit repair services, or other personal consumer reports

I was a victim of the 2017 Equifax data breach. I went onto the equifax website www.equifaxsecurity2017.com and it was confirmed that my information was involved in the data breach and I may have been compromised receiving the message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I understand that data security is a tricky and constant battle, but more needed to be done to protect the identity of 143 million Americans.
Product: Consumer Loan

On XXXX XXXX, 2016, I received the attached letter in the mail from American Credit Acceptance, dated XXXX XXXX, 2016. The letter states that American Credit Acceptance received a credit application from XXXX XXXX XXXX on my behalf. 

This letter is some type of fraud or scam! I have n't submitted an application to XXXX XXXX XXXX this year. The letter also states that it ran my credit via XXXX. I checked my XXXX credit report, and Thankfully, as of today, there is no evidence that American Credit Acceptance accessed my XXXX credit report. 

Also, this letter states totally inaccurate information regarding the status of my credit. I have never done business with American Credit Acceptance. 

I want a copy of the credit application and the XXXX credit report that is referred in the attached letter. 

I have selected " Taking out the loan or lease '' as the closest appropriate option for this compliant. There is not an option that describes my complaint since this issue is in regards to a loan application that I did n't submit!! 
Thanks for your assistance!
Product: Checking or savings account

Had my account for several years : used my debit card online in order not to go over : they hit me repeatedly for overdraft fees, and told me the new law did not apply to online purchases, only XXXX.
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. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I put my XXXX XXXX on XXXXXXXX XXXX and this buyer was interested in it. We ended up setting a final price for it and she tried to send me {$200.00} on XXXX. The money didnt go through because I didnt have a business account. XXXX emailed me and said that my buyer had to send me another {$300.00} so the payment would go through due to me not having a business account. But in order for me to get my money I had to send her back her {$300.00} using a different platform and then provide proof that I did so before I received my money. After I sent the money I provided proof to both XXXX and the buyer. This money transfer was made on XX/XX/2022. XXXX then emailed me saying I had to pay another {$600.00} because the buyer accidentally sent the {$300.00} 3 times. The email also included that if I didnt send the money I would have been reported for fraud. So I sent the {$600.00} a provided the proof to both the buyer and XXXX. This money transfer was sent on XX/XX/2022. After that I got another email from XXXX saying that my payments werent received. On my bank account it says that both the {$300.00} and {$600.00} payments were received by the buyer. They then said I had to send the money a different way. At this time I stopped replying to both parties. I also found out at this time that the email was a fake for XXXX. The email looked very similar to the actual email to XXXX but its not the same one. I sent both the money transfers through Huntington. I also shipped the XXXX XXXX to the buyer before the payment went through because I was told that I wouldnt receive my payment unless I provided proof of shipping.
Product: Mortgage

In XX/XX/XXXX I was notified that my monthly payment was increasing from {$520.00} monthly to {$940.00} per month. The increase was intended to escrow for homeowners insurance. I forwarded a copy of my declaration page as well as confirmed with the insurance department that all insurance cost has been paid by me. We agreed that the account should only be escrowed for taxes. Ocwen proceeded to increase the monthly payment. In XX/XX/XXXX I attempted to make the XX/XX/XXXX payment and was unable to do so because it was less than the amount required. I subsequently attempted to contact the identified relationship specialist who has never been available. I have had to speak with 3 other individuals. On XX/XX/XXXX a request to the escrow department was made to opened workflow process. I was told that the process would take 10 business days. A followup appointment was made for XX/XX/XXXX at which time I spoke to another specialist who informed me the workflow process had not been completed. On XX/XX/XXXX I called again spoke to different person who informed me the process had been complete and it had been determined that Ocwen would pay the insurance despite all of the evidence showing they had not paid it in the past 3 years therefore there was no basis for making changes in the escrow amount. I was told that I should faxed them a letter stating my preference to continue paying my homeowners insurance ( which I am doing today ). I have been force to make a payment to avoid being 90 days past due. I have explained to each representative that I can not afford this $ XXXX monthly payment and no one seems to know how to communicate within the Ocwen organization to resolve this issue.
Product: Checking or savings account

I had a issue with XXXX XXXXXXXX XXXX XXXXXXXX who was supposed to diagnosis and repair my vehicle for a prior service that was done incorrectly and troubleshoot a power drain. Due to issues with the dealership i disputed the charge with Current internet finance company and they recovered the funds but kept them and never put them back in to my account. The dispute was for XXXX. The whole amount from XXXX was XXXX niether party has refunded money as agreed. Here it has been a number of months no refund.
Product: Debt collection

Please remove the medical bill showing XXXX on my credit report. I agreed to pay the payment schedule and was paying then they stopped and I tried calling and they sent it to collections. Also there is XXXX on there as well and that account was agreed to be closed by original apartment complex because I moved out a month early because they had n't fixed AC in over 3 weeks. Breaching there own contract. I paid my last month and they agreed that was enough. Now it shows I have housing debt. This is not good I ca n't even find a apartment to live in when this was not even my fault! This is a crime. Please help!!!
Product: Credit reporting or other personal consumer reports

I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report. This information was placed on my report as a result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the fraudulent accounts listed below be blocked from my credit report immediately. 
XXXX Accounts to be Blocked XXXX. XXXX Account XXXX : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX Account XXXX : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX Account XXXX : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX  XXXX XXXX XXXX Balance Owed : {$960.00} XXXX  XXXX Balance Owed : {$30000.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX  FINCL XXXX Balance : {$29000.00} XXXX XXXX  XX/XX/2024XX/XX/year>
Product: Debt collection

Received a letter XXXX XX/XX/2020 from ERC that indicates a balance from XXXX, now part of XXXX, Is unpaid. Amount of debt {$570.00}. Reference number XXXX. 

I have not had a cell phone plan through XXXX nor XXXX. I believe this is a fraudulent charge. 

I also did not feel comfortable due to cyber security concerns to call or log onto the website. The letter appeared fraudulent to me, besides the request of money from a cell phone company that I have not used, the ERC website seems unique, and the back of the letter indicates I could pay via cash at XXXX Pharmacy or XXXX. I believe I am a victim of identity fraud Please advise on how to resolve this.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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: Debt collection

never received initial notice that an alleged account of mine was being sold to collections. i only noticed one day while checking my credit report. ive written letters requesting more information on this account and a signature from me proving the debt belonged to me. this company refuses to send me any information on a supposed debt they are trying to collect from me
Product: Checking or savings account

I opened a merchant dispute with my XXXX on XX/XX/year> under the reference number XXXX. 
I made a purchase on XX/XX/year>, with delivery service to my address, the expected delivery date given was XX/XX/year>. The shipment never arrived so I contacted the merchant and they proceed to cancel due out of stock of the XXXX XXXX XXXX purchased. 
They sent me the refund receipt but the refund was never posted to my account. 
I sent by fax all the documentation to the XXXX  on XX/XX/XXXX and XX/XX/XXXX, supporting my case but even that the claim was denied.
Product: Credit reporting

I have filed XXXX separate disputes with Equifax in regards to collector " XXXX XXXX. '' They never contacted me with information. I never received a notice from them stating I owed said debt. I check my credit regularly, and noticed XXXX accounts from this collector were added on my report. All of the telephone numbers I look up have been disconnected. Equifax is the only bureau that shows these XXXX accounts total. I can not move forward with looking for a house with these XXXX accounts XXXX my credit. I have tried to contact money control, but like I explained previously, all of their contact information comes back disconnected. I am not sure what else I can do at this point. Please help since Equifax will not.
Product: Debt collection

I reached out to Genesis Credit Management to settle a rental debt. I requested a Debt Validation letter in writing. No response. I requested information about how to settle the debt and was told that they no longer held the account and refused to give me information about who held the account. Meanwhile, Genesis Credit Management Services continues to charge interest on the balance and report to the credit bureaus as a delinquent account.
Product: Credit reporting or other personal consumer reports

The Department of Education and XXXX have violated my privacy rights per the Family and Educational Rights per the Family and Educational Privacy Act of 1974. When I received my school money, I signed a privacy Act form that said the Educational department would not provide transaction history to ANY third-party companies. They violated my rights by providing information to the three credit bureaus : XXXX, Equifax, and XXXX  Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize these hard inquires from my credit report. I am a victim of Identify theft.
Product: Debt collection

I am writing to formally dispute the charge-off reported on my credit report related to the above-referenced car loan account. Upon reviewing my credit report, I noticed that this account has been marked as charged-off, which I believe is incorrect. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Section 1681a ( 3 ), I am exercising my right to dispute the accuracy of this information. Under 15 U.S.C. 1681a ( 3 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and complete. 

Additionally, under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, you are obligated to protect my financial privacy and maintain the confidentiality of my personal financial information. The GLBA mandates that you safeguard sensitive data and ensure it is not disclosed improperly. Given this responsibility, I request that you verify the accuracy of the reported charge-off and confirm that no unauthorized or erroneous information has been shared with credit reporting agencies.

Furthermore, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) requires that any adverse action taken against me, such as the charge-off of this account, be accompanied by a clear and detailed explanation. I am entitled to understand the reasons behind this charge-off and the steps I can take to address any discrepancies. 

To assist in your investigation, I am requesting the following : XXXX. A complete payment history, including all payments made, missed, and the corresponding dates. 
XXXX. A detailed explanation of the charge-off, including the calculation of the balance owed at the time of charge-off. 
XXXX. Copies of any written communication regarding the charge-off and any notices sent to me prior to this action. 
In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you complete this investigation and inform me of the results within XXXX  days. If the information can not be verified, I request that it be promptly corrected or removed from my credit report. 

Please acknowledge receipt of this letter and confirm that you will be conducting the requested investigation. I look forward to resolving this matter as soon as possible. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] -- - This version of the letter integrates references to the XXXX XXXX, emphasizing the importance of safeguarding your financial information and ensuring accurate reporting. Be sure to include any supporting documentation with your letter to strengthen your dispute.
Product: Debt collection

I checked my credit report and found an open account from a payday loan from Speedy Cash opened XX/XX/XXXX. The store that is reporting this mark is located in XXXX, TX, where I have not resided since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report, and I did notice that there were several and accuracy on my account. These accounts were opened without my permission. I am asking for an investigation into these accounts to ensure that accurate information is reporting on my credit report. The accounts that I am asking you to investigate are listed here. I have attached documentation to support these claims as well. These accounts are hurting my ability to obtain credit and it is my understanding that the bureau will investigate these accounts for me to ensure accuracy. 

I have attached a copy of my FTC report as well. 

XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My Credit score has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquir e WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders of f. So HOW can my FICA be lower? OF course you 'll give me the unfortunately leaving o ff the total debt is less.
Product: Debt collection

On XX/XX/year> my XXXX XXXX account alerted me to this collection. I would like to receive a written letter with proof of the debt.
Product: Checking or savings account

On XX/XX/year> Paid for purchase of 1 Electric Charging Station from XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), Invoice # XXXX never received. With my master card issued by Renasant Bank Transaction Description : XXXX XXXX XXXX. 
The described below is a detailed email and other contacts I have made in attempt to get a refund for the Electric Vehicle charging station that I purchased from XXXX on XX/XX/year> Items not delivered per shipping instruction Exhibit # XXXX XX/XX/year> XXXX requesting request what to do because item not received Exhibit # XXXX XX/XX/year> XXXX XXXX requesting what to do because item not received Exhibit # XXXX XX/XX/year> XXXX XXXX informing Renasant Bank clerk XXXX I havent received Exhibit # XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX requesting return of money for entire order Exhibit # XXXX XX/XX/year> XXXX est Received Notice of Final Determination for Dispute to refund money for XXXX XXXX Chargers Exhibit # XXXX XX/XX/year> Email from Coach Rustin Congratulations UTAH Confirming my purchase of the EV Commercial Exhibit # XXXX XX/XX/year> XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX email stating they received my complaint Exhibit # XXXX XX/XX/year> XXXX XXXX respond to my email stating I have 2 days from today to receive my YGE order Exhibit # XXXX XX/XX/year> XXXX : pm XXXX Requesting a refund for XXXX XXXX XXXX Vehicle Commercial {$4900.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX advertising the exact same EV charging XXXX XXXX XXXX  for {$970.00} at this point I see Fraud activity Exhibit # XXXX XX/XX/year> XXXX am I started my own investigation by contact XXXX XXXX, XXXX  Planner XXXX for XXXX XXXX UT government XXXX He never heard of such an project Exhibit # XXXX XX/XX/year> XXXX, XX/XX/year> XXXX Follow-up investigation Exhibit # XXXX XX/XX/year> XXXX Conclusion of investigation of XXXX XXXX  XXXX Vehicle installation XXXX XXXX XXXX XXXX # XXXX, # XXXX I am requesting that Master Card and Renasant Bank get a refund from XXXX purchase made on XX/XX/year> for Electric Vehicle Commercial for the Amount of {$4900.00}
Product: Mortgage

During Covid Wells Fargo reached out offering to put my loan on hold if I was struggling. I was. I was told this balance of missed payments would not affect my loan, it would be rolled into the end. Wells Fargo is trying to force me into a new loan. They delivered offers to reduce payment raise rate and lengthen loan. I denied I said I wanted the balloon payment like promised and read to me in the disclosure every time I accepted another 3 months of holding payment. One rep said balloon not available. Next said it was. They gave me the option of lump sum or new loan. I told them I wanted to pay the lump and got put in foreclosure. Im being extorted by my mortgage lender. My loan is also backed by XXXX XXXX which I was told asking for a lump sum is not allowed.
Product: Credit reporting or other personal consumer reports

I have disputed three closed accounts on my credit report and there has been no change at all for the past year. i have called mutliple times with no answer.
Product: Checking or savings account

Hello I'm having troubles with PayPal. I was having an account from 2018 and when i decide to reuse it and update my Informations there, I noticed that i can't change my address or add my company details. 
I Contact the Support team, they said to me to close it and reopen a new one, that's what i did. 
and when i Create the new one a found it immediately limited without any reason, i send them my ID card, my company papers. the girl on support team told me that she send a notice and they will open it for you but no response.
Product: Credit card

On XX/XX/year>, I went to XXXX XXXX  XXXX in XXXX XXXX XXXX, NH and made some purchase. The store employee endorsed the XXXX 's XXXX XXXX. When I asked about the application process, I was told that it would be a soft inquiry on my credit account. Now my credit report shows that an hard inquiry was made on my account. 

I called Barclay 's on XX/XX/year> and they told me to contact the XXXX & the credit bureaus.
Product: Credit reporting or other personal consumer reports

Sent a letter certified mail on XX/XX/year>XXXX  asking LexisNexis to produce documentation proving said account belongs to me. I rightfully requested all documentation pertaining to account and received nothing.