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

I checked my credit report and noticed on XX/XX/ XXXX XXXX XXXX XXXX reported that my account with XXXX XXXX XXXX was in collections with them. This is against the law to report my credit by anyone without my written permission. 

XXXX XXXX XXXX - Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Amt. {$160.00} In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXX ( Original XXXX : XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$55.00} ; XXXX XX/XX/XXXX
Product: Debt collection

I have it removed off my XXXX report I want it off the rest report, they have harassed me with phone calls constantly every day and night I even tried to settle 3 times one day they refused it every time,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX resident since year XXXX, and have been at my current address since XXXX. Someone who carries a fixed XXXX, TX address opened or constantly tried to open credit cards in my name since XXXX. This person repeatedly accesses and modifies personal information on my credit file from all three credit bureaus, online, by phone or by mailing fraudulent documents to the credit bureaus. 

Despite all the tremendous efforts I have made by filing police reports, filing FTC reports, calling creditors, calling and mailing to all three credit bureaus to dispute and add security measures to my account over the past years, in XX/XX/XXXX, this same person was able to have a few creditors access my credit report from XXXX, and have one creditor leave a hard inquiry on my Equifax report. Upon being notified by credit monitoring services regarding these un-authorized activities, I called XXXX to report and to get the issue resolved. As the result XXXX added a new security question when someone phones in to try to unfreeze my credit report, while locking my online access. Equifax on the other hand explained to me that the recent hard inquiry was an attempt only and it can be removed when requested documents are provided to them. I hope my credit reports can stay secure however it will not surprise me if the fraud happens again.
Product: Checking or savings account

I had a issue with rent one month and I tried to solve the issue through my bank so I opened a claim but my roommate had the money for it so I had them add the credits to my account and I sent them proof that my roommate paid it and I only ever received a email saying claim was approved and closed but 5 months later they reversed the credit and said they couldnt see the proof, I sent more proof and I was told today that it wasnt enough and that I wont be able to get my money back. I spoke to my apartment and they dont have the money that was taken out my bank either
Product: Debt collection

XX/XX/2018 I had an unfortunate event happen to me and my phone was illicitly used for someone else 's financial gain. Luckily, at the time, I spoke to a representative of Venmo customer who walked me through how to fix my unfortunate situation. They advised me to call up my bank and have them put a stop payment to Venmo to stop the transaction of {$1500.00}. I followed their advice and did just that. The representative of Venmo told me that everything else would be taken care of. 

I followed their advice. I closed my Venmo account because I felt this application was too dangerous to me and it was too easy for someone to take money from someone else. But all in all, I felt like the situation was amended and fixed. 

Fast forward 18 months, I have now moved on with my life and have moved past the situation except apparently Venmo did not. Even though the customer representative told me the situation had been taken care of and I put my trust in them for the process, they had misled and lied to me. I am now in the process of being harassed by Venmo collections for this fraudulent transaction. 

Venmo doesn't seem to have a fraud department that actually deals with any of this. Venmo never actually got in contact to let me know something was wrong or let me know why their initial conversation was no longer being honored or why it isn't being honored 18 moths later. I have no idea why or how or what's going on. 

I wrote a letter to Venmo, which they never even responded to. Hopefully this can resolve the situation otherwise I will have to keep escalating this situation till it does.
Product: Payday loan, title loan, personal loan, or advance loan

After being married less than a month, my ex husband asked me to cosign a loan for {$1000.00} during time when I was on pain meds due to passing multiple XXXX XXXX. I remember his putting his personal vehicle, a XXXX, as collateral. 
Consequently, the loan was for much more and he was imprisoned after raping my XXXX old granddaughter. His name is XXXX XXXX XXXX. He pleaded guilty. I received correspondence from XXXX XXXX demanding payment for the loan. When questioning the amount, the acting manager, who is no longer there, stated XXXX had come in to " renew the loan '' of which I was unaware. Several attempts were made to turn over vehicle used to secure loan to no avail. I had to look at that vehicle parked in my driveway for more than a year! They refused to accept vehicle stating it was against their policy. After consulting with my attorney, I was instructed to take vehicle to XXXX XXXX in XXXXXXXX XXXX  and leave it in the parking lot and take keys inside to employee. They cont to refuse the vehicle, insisting we couldn't leave it, however we refused the vehicle, as well and left it. When checking with them via telephone call approx a week later, they said vehicle would be sold at an auction to pay off outstanding loan. They did not contact us via mail or telephone re the sale price of the XXXX. 
In their credit report, they state {$7000.00} plus was " written off '' and {$7000.00} plus balance remains. When I inquired about the sale of the vehicle, the rude woman told me she would get info and return my call. That was the last time I heard from anyone. 
It was a long way back for me to be able to put one foot in front of the other. Currently, I'm living in a declared disaster zone from XXXX XXXX. I no longer work as multiple bridges are out and my job as a XXXX XXXX XXXX XXXX is impacted. I'm also in stage XXXX XXXX XXXX and will go to my grave before I pay a debt for a XXXX who XXXX my granddaughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting on my credit report Account name : XXXX XXXX When account was open : XX/XX/XXXX Account balance : {$7800.00} Account name : XXXX When account was open : XX/XX/XXXX Account balance : {$4000.00} Hard inquiries : Account name : XXXX XXXX XXXX date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX  Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account name : XXXX, XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Names Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Correct name should be reported : XXXX XXXX XXXXXXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission and I also have Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

On XXXX XXXX I received 3 emails saying my order was being processed and shipped. I immediately logged into the website of XXXX and pulled up my account. I saw that there were 3 separate charges going to 3 separate addresses in the 3 different states. None of these charge were mine so I called them but they were closed of course because it was XXXX. I called the next day and disputed all 3 charges and they credited my account on XX/XX/XXXX. A couple of weeks later they said they found 2 of the 3 charges were mine so they aded them back to my account on XX/XX/XXXX. I again called them and spent hours on the phone getting transfer to several people and they agreed to reverse theses 2 charges again and credited my account on XX/XX/XXXX. I thought we were all good until today and had an auto pay get scheduled which I thought was odd since I have not used the card so I pulled the online statement and I see that 1 of the charges has once again been added back to my account on XX/XX/XXXX in the amount of {$210.00}. Below is the transaction currently in question and it is clearly not me and I know of no one in this area and I did not make this purchase. I hope the other 2 charges do not resurface but will amend this complaint if they do. Credit card was reissued and have had no problem since except within their own office treating a customer this way. 

TRANSACTION in dispute Shipping To : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX Order No. XXXX Order Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I made my first attempt by calling Equiant Financial Services. I spoke with a representative who initially told me that they do not have an account on file with the information that I gave to them. So then, I went further to inform the representative that I will be recording the call and then to confirm that that the there was a fraudulent erroneous account being reported on my credit report. The representative then place me hold several times until he came back to say, he found an account with my information along with someone else 's. I informed him that any account in my name that I was not aware of should be closed immediately. He refused to close the account. He stated that because it was joint he could not do anything. He then said that I should mail in proof if I chose to dispute the account. I placed a security alert on my Credit Reports since XXXX for 2 years and renewed it again this year. I tried mailing Equiant Financial Services a dispute letter to dispute the account and amount owed displaying on my credit report. The address that is showing on my report is invalid and non-existent. The letter was returned by the Post Office stating it is an invalid address and the back appeared to be opened and resealed. The address showing from my credit report for Equiant Financial Services is different from what XXXX is showing their address to be. Inaccurate information. My second attempt I wrote CFPB in XXXX XXXX and they wrote me back to submit my complaint online. I have since have no way of contacting this company by mail. This is against FCRA regulations. Any inaccurate and fraudulent accounts being reported on my credit report and that have been reported within 30 days and there has been no proof that this account belongs to me, the account should have been closed and removed from my report. Please follow-up for me and inform me of your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and trans union has reported inaccurate information on credit report which are charged off. That is personal income and should not be reporting. XXXX has a balance of XXXX balance and Trans union XXXX balance. This is inaccurate information on my credit report. Also personal income, which should not be reported.
Product: Mortgage

In XXXX bank of America received XXXX from the mortgage assistant program to pay on principal and interest, soon after they got the money, the got a illegal assignment of deed, using a old county wide stamp, that they was supposed to destroy, after agreeing to do in the national mortgage settlement agreement, also they was barred from filing suit, or any other legal action, because of the 4 year Statue of limitations, the last payment was XX/XX/XXXX, that is when the Statue started, due to the Escalation of maturity on the note, according to the texas Supreme Court ruling this year, the 4 year Statue of limitations applies to mortgages
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The credit companies are still reporting an item that was removed from my account months ago and the debt is not mines and does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing time in hope that you will consider helping me by removing late payment information from my credit profile. I do not know who else to reach to in regard to my old XXXX XXXX account. I have been a customer with XXXX XXXX for years and I have never had an issue until now. I am highly known in the public eye as I am a two-time XXXX XXXX XXXX XXXX and I constantly refer other players to your company. 

Currently, XXXX XXXX is reporting a collection account in the amount of {$120.00} on my credit report. Unfortunately, this collection is the result of my personal assistant negligently handling my business affairs. 

I have included a letter from the business management team that employed my assistant with this letter. 

Please note, since the time of this inconvenient betrayal I have been mostly successful in working with my creditors to get my accounts in order and restored my credit profile. I implore XXXX XXXX to help me get beyond this nightmare as I should not be responsible to bear the consequence of this collection. I am more than willing to pay this account in full as long as the collection status is removed after payment. A payment was not made as my business management office failed to tell me there was any balance due on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX - {$220.00} XXXX XXXX- {$560.00} XXXX  - {$560.00} XXXX XXXX- {$660.00}
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 the amount of the loan {$23000.00}. The loan was paid off by my insurance company. Pay Status ; Account Paid in full. This has caused other financial departments to deny me another loan. XXXX XXXX XXXX put Status as a Charge off on my credit Report. The status on my Credit report should only show current or paid off status.
Product: Credit reporting

XXXX XXXX XXXX XXXX is reporting negative incorrect information on my XXXX credit report. They are in violation of the FCRA which requires consumer reporting agencies to maintain an accurate file of my credit information. My credit score has dropped over XXXX points because of this error. They have also misspelled my name and provided inaccurate mailing information. After disputing with XXXX , I was told it was being reported correctly
Product: Student loan

I submitted my income based repayment plan in XX/XX/XXXX. It was approved by studentaid.gov shortly after. I also submitted an application with MOHELA in XX/XX/XXXX. I have been on administrative forbearance this whole time ( now XX/XX/XXXX ) and they still have not processed by application. Processing of this application should take a maximum of 30 days. It has now been almost 180 days. I keep calling MOHELA and I keep getting told the application will be processed in 5-10 business days and it is never processed. As of XX/XX/XXXX, I was told that there is an error message on my account which has locked staff out. I was told it would take 5-10 BUSINESS DAYS TO UNLOCK MY ACCOUNT. Then another 5-10 business days to process the application. I was told they can only put me on forbearance again until XX/XX/XXXX. After that I am expected to pay over {$1200.00} per month on the level plan despite this being almost 30 % of my income. I am a XXXX XXXX who lives in a high cost of living state. I CAN NOT afford this. No one at MOHELA can provide me consistent information. I can not let this loan default due to their gross negligence. Someone needs to hold MOHELA accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already paid for the balance of {$1800.00} still showing on the various credit bureaux on XX/XX/3021. I contacted the Navy Federal Credit Union to update the credit bureau but to my dismay nothing has been done. This is indeed affecting my mortgage rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  Navient  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.
Product: Mortgage

When making an additional payment online for my principal Quicken loans took another additional regular payment out of my bank for {$2000.00}. My mortgage is up to date and there was no need for an additional payment. It has caused charges against my bank account and they refused to pay. XXXX XXXX was the " executive Customer Service Agent ''
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax stating their failure to enter a Notice of Dispute from dispute dates XX/XX/year> and also XX/XX/year>, it is XX/XX/XXXX and there still is no Notice of Dispute on the account listed below. Please reinvestigate and please me tell how you completed an investigation with no regard to the law or the evidence that was laid out in front of you as you continue to violate that same law. 

XXXXXXXX XXXX XXXX  XXXX XXXX According to FCRA 15 U.S. Code 1681i ( c ) Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
Product: Mortgage

my mother passed away and the mortgage company stopped accepting the mortgage payments and are trying to foreclose on the property and the property is deeded to me and the deed is filed and on record and are not willing to work with me as far as a loan modification or letting pay off the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX close XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX