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

I would like to start my statement by saying I am a victim of the XXXX data breach. Back in the early month of XX/XX/2022 I contacted all three credit bureaus for validation of the debt they have inaccurately reported to my credit profile in hopes of having it permanently removed. I have found *several* contradicting information on my report that further prove my suspicion of these accounts being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation/inconsistencies differing across the three credit bureaus. I kindly request these items to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are accounts completely unaccounted for in XXXX or XXXX credit bureau profiles for myself . There are inconsistencies with the accounts close/open status.The payment status showing as 100 % paid on XXXX credit bureau and charged off on the others. It shows accounts not being updated for a year or more on XXXX to a couple bureaus and then updated as recently as last month on the other. This is a clear indication of FCRA being violated and I will not fall victim to this wrongdoing. I was involved in a data breach involving XXXX, and have reported my identity stolen to all the proper authorities. This inaccurate reporting is not in co-ordinance with the Fair Credit Reporting Act and the record keeping is not only embarrassing but my personal life is being affected because of it also.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXXXXXX XXXX  ( formerly known as XXXX XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX, and XXXX XXXX  ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case.

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The burden of proof is on Equifax, XXXX, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to Equifax, XXXX, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. Equifax, XXXX, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to Equifax, XXXX, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against Equifax, XXXX and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.
Product: Credit card

I called to pay off the balance and the fees went up by over {$1000.00} and they refused to waive the fees. Their practices are illegal and there is a lawsuit current that I want to be a part of. They are refusing to honor the early payy off agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with XXXX, XXXX & Transunion the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.
Product: Debt collection

Charge off is inaccurate account according to IRS charge off can't be reported as ordinary income 15usc 1681 ( b ) or neither have I've received 1099 c form XXXX # XXXX resurgent/LVNV stated XXXX balance
Product: Consumer Loan

My iPhone loans with Citizens One loans were setup to be paid automatically by debit card. 

The debit card had to be replaced by the bank as it was compromised by fraudulent activity. 

Subsequently Citizens One emailed me to let me know they had not been able to take payment. When I tried to log in to the website ( per the instructions in the email ) to change my details, I was greeted by a blank screen, despite having logged in with the correct credentials. 

When I called them about it, they claimed it was a browser problem ( it was n't - I tried with XXXX different browsers on XXXX different devices ) and told me I could only switch to paying by credit card for the current due payment. They told me they would escalate the website issue and I would be contacted with a resolution in 7 - 10 business days. I never received any further communication about the website issue. 

Instead I waited a few days and was able to log on and switch the autopay to my checking account, so I would n't face this issue again with a debit card being taken out of use. 

When the next payment came due, I again received an email saying my debit card payment had failed, even though I had switched the autopay to my checking account. Again I tried to log onto the website and again was greeted by a blank page. 

I called again, and was again told it was a browser issue on my end, and that I could pay the current payment via credit card. 

I 'm in an endless loop of being denied reasonable means to update my information without them reverting to old information, and some kind of scam whereby they 're forcing me to pay by credit card, presumably so they can charge me some kind of additional fee.
Product: Credit reporting or other personal consumer reports

I sent the company XXXX XXXX a dispute for an account that isnt mine months ago. Next, I filed a complaint with the CFPB XX/XX/2023 and it has been way over 30 days. I feel like they are prolonging their process and not deleting the account. It is now XX/XX/2023 and still no removal or deletion when the company knows thats not my account or debt.
Product: Mortgage

I contacted my lender requested mortgage retention assistance and was redline denied stated my investor had no assistance for my type of loan which discriminated me and I contacted my I vestor after looking on the mortgage Electronic Registration Recording and was told they were not my investor and if they were would helped me. 

I am being scammed out of my property I have owned since 2007 because I have mi insurance which the investor will be paid in full for my loan if they foreclose. 

I asked my Servicer the number to my investor and could not give me the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform 3 Credit Bureaus that the files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; DPT EDXXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$4600.00} ; XXXX  XXXX XXXX Balance Owed : {$4800.00}.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding their failure to remove inaccurate items from my credit report, despite submitting documentation of identity theft and FTC reports as requested. 

Reports # XXXX and XXXX and XXXX, I submitted an identity theft report to Experian along with FTC reports in an effort to remove several fraudulent items from my credit report. The items in question are as follows : Account XXXX : XXXX XXXX and CO ( deleted by furnisher Experian verified and updated before deletion. 
Account Name : XXXX XXXX ( deleted by furnisher today XX/XX/year> XXXX certified to Experian that it was accurate and Experian failed to remove it. 
Account Name : XXXX Collections and out ( deleted by furnisher but was verified and updated by Experian. 
Account Name : XXXX XXXX ( auto loan has certified to Experian but this account remains on my credit but is fraudulent and currently in litigation. 

Despite my efforts, Experian failed to remove these items from my credit report. However, since then, three out of the four items have been removed directly by the furnisher due to identity theft verification.

I am deeply concerned about Experian 's handling of my request and their failure to take appropriate action in removing these fraudulent items from my credit report. I would like to understand why my initial request was rejected and how Experian verified the accuracy of these items. 

Furthermore, I am requesting that Experian promptly delete the remaining item XXXX XXXX from my credit reports, as it has been verified by the furnisher as fraudulent. 

I believe that Experian 's failure to remove these inaccurate items from my credit report is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue harm to my creditworthiness and financial well-being. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that Experian complies with its legal obligations to accurately report consumer credit information. 

I appreciate your prompt attention to this complaint and look forward to a resolution that rectifies this situation and prevents similar occurrences in the future. 

Sincerely, [ Your Name ]
Product: Payday loan, title loan, or personal loan

WE bought a XXXX XXXX XXXX from XXXX motors at XXXX XXXX XXXX XXXX on XX/XX/XXXX cost {$8600.00} and interest rate was 24.99 % .Me, my wife and talk to the reps of RELIABE CREDIT COMPANY and he said that we have to pay {$1700.00} as down payment and should pay monthly amount of {$280.00} for 36 months.We gave them {$1000.00} on the same day XXXX and gave them the remaining {$700.00} on XX/XX/XXXX XXXX.We started paying on XX/XX/XXXX XXXX.We paid through out and no late fees and they gave us a receipt after the first one year stating that the remaining balance was $ XXXX that, they did not send any thing till paid the remaining two years to complete the three years ( 36 months ) WITH NO LATE FEES.That is {$1700.00} plus $ XXXX for three years is $ XXXX.Even though that is still more than 25.99 %, they instead change the whole program to a period of 48 months with an addition of {$2600.00} to be paid monthly of {$250.00} per month.The reason because i was not paying more than the amount by month and was not earlier before the time.So the whole total is {$6000.00} interest we have to pay for rotten car which cost $ XXXX.THE CAR IS PARK WITH TRANSMITTION PROBLEMS NOW FOR OVER 8 MONTHS.
Product: Credit reporting

XXXX ( XXXX XXXX XXXX XXXX party ) XXXX performed in summer of XX/XX/XXXX filed bankruptcy in XXXX XXXX. Before filing received collection notice, called informed filing bankruptcy. I was told they would not the account. After filing still received collection notices, called in XX/XX/XXXX, was told to fax the discharge notice, which I did, and the notes stopped. Now, XXXX they filed an open collections for XXXX on my credit report dropping the score XXXX pts. I called again, and the company says they did not receive my fax. Not only is this illegal I have told the group multiple times. This is vindictive, and a violation of my right with the bankruptcy. I am trying to rebuild, and this company has caused personal financial damage because I was unable to refinance my vehicle. Unprofessional.
Product: Debt collection

In early XXXX of XXXX, XXXX XXXX XXXX XXXX processed XXXX fraudulent transactions with XXXX. While the transactions were against our " checking account number '', the signature on the transactions was not ours, nor was it even in our name. 

The transactions were clearly fraudulent, and in our opinion, would have required " insider '' support. In the same month, we received a notification of debt collection from TRS Recovery Services ( an affiliate of Telecheck Services , Inc ) trying to collect on the fraudulent transactions. We filed a police report regarding the fraud, and forwarded this report, along with the multipage " disputed debt form '' we got from TRS Recovery Services to TRS Recovery Services on XX/XX/XXXX. At the time, we requested copies of the fraudulent checks to provide to the police department to assist in the department 's investigation. We never heard back from TRS Recovery Services. 

In XXXX of XXXX, approximately five ( 5 ) years later, we are contacted by XXXX XXXX XXXX XXXX, aka XXXX, ( an affiliate of TRS Recovery Services and XXXX XXXX XXXX XXXX ) attempting to collect on the debt associated with the fraudulent transactions. The initial contact was via phone at which time we explained that we had done everything TRS Recovery Services had requested in XXXX of XXXX and we considered the matter closed and any further attempts to collect this debt was, in itself, fraud. Subsequent to this phone conversation XXXX sent us two letters requesting we complete an " Identify Theft Victim 's Complaint and Affidavit '', a six ( 6 ) page document that resembles the " disputed debt form '' we completed for XXXX five ( 5 ) years previously. 

We feel this continued attempt to coerce us in to paying debt created by Telecheck Services Inc. 's inability to stop the original " identify theft '' and " fraudulent transactions '' is fraud. The company responsible for enabling the theft is affiliated with the companies attempting to collect the " debt ''. We respectfully request you take action against these companies.
Product: Debt collection

Received collection notification from Calvary Portfolio. I asked fro writtne proof of my obligation, never provided. Have filed multiple disputes through XXXX to no avail. From what I can tell according to my Credit Report, the charge is for XXXX XXXX  / XXXX. Again, I have no dpocumentation supporting my obligation. 

I am a responsible borrower. I pay my debts. When I am charged for something I have no knowledge of, I expect to receive cooperation. To-date, I have been unsuccessful.
Product: Vehicle loan or lease

Santander USA is a predatory lender and has been indicted in a class action lawsuit for such practices. 
I purchased the car in XXXX of 2014 and struggled to keep up with payments a year into it as the car had numerous issues the moment I drove off of the XXXX  lot. Struggling to pay the high interest loan, I had the car repossessed and was able to get it out only to fall into desperation again as I was underwater. 
I truly believe I should be or possibly have been considered in this lawsuit. 

XXXX XXXX XXXX From what I have found, Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers ' credit reports.
Product: Mortgage

BANK OF AMERICA THE MASTER SERVICER HAS DIVISED A SCHEME WITH  XXXX    XXXX   XXXX    AND IS DISCRIMINATING AGAINST US BECAUSE WE FILED BANKRUPTCY AND VIOLATING BANKRUPTCY LAWS BY PROVIDING US WITH FRAUDULENT DOCUMENTS  XXXX   XXXX   XXXX  and Bank of America Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau.  XXXX   XXXX   XXXX  and its employees and Bank of Ameri ca Master Servicer  and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic  XXXX   XXXX   XXXX   XXXX  and Bank of America  Master Servicer  has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive  XXXX   XXXX   XXXX  has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
Product: Student loan

Mohela wont ' respond to emails about a missing {$200.00} payment my employer made even when provided with tracking number showing they accepted the money Mohela won't process my application to move my loans out of Save even though it was submitted on XX/XX/XXXX and won't answer any of my emails Mohela is not updating my student loans with any credit scoring agency. I have paid off a whole loan that has not been reported. Have paid over {$5000.00} that has not been reported to any credit agency which negatively effects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I financed a car with XXXX XXXX XXXX XXXX but returned it to dealer 2 days later due to mechanical issues that declared the vehicle as a lemon. They refunded my down payment and issued a written statement by mail and email they submitted to the bureaus to remove the loan account from my report. I have a copy of the letter that was written by this company to delete the account. XXXX and XXXX have removed the loan account, however Equifax is still reporting it as a closed account with a balance when it is an account that should not be reporting at all.
Product: Debt collection

This is not a duplicate dispute To whom it may concern, I recently sent XXXX a disputed document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # 1 PlusFour , Inc. / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account shown above are duplicate collection accounts that were illegally put on my XXXX and XXXX reports. Both XXXX and XXXX have removed the PlusFour account due to their fraudulent & illegal actions.. Multiple collection accounts for one assumed debt is an illegal reporting practice and so is falsifying addresses. 
2. The account shown above has different balance owed amount from other submissions on the XXXX and XXXX accounts, which clearly proves inaccuracies in PlusFour , Inc.s illegal reporting practices. 
3. The account reported above are not my debit, and I have no knowledge of it. 
4. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves PlusFour, Inc.s illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I joined XXXX XXXX XXXX on XXXX 2014. before i did it I asked particularly if there any contract, they said " no ''. I signed permission to collect monthly payment and paper for health condition. of course I never saw any contract, since there where no contract as they were saying. on XXXX I wanted to stop visiting GYm. They told me to write a a letter to themand send it with confirmation. There where snow storm alert and post offece was not working. So they received it later certain day. Monthly payment is {$20.00}. Where this amount come from I have no idea. 
I spoke to collection department they said this is anually payment. they do n't anything this is the amount their client want. i spoke to them 2 times, and refuse to pay this amount without any explanation. XXXX send me contract with no signature or any place where the signatury supposed to be.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 Experian credit reporting agency, 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 student loan account opened at XXXX XXXX under various account numbers. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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.