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

This is my sixth attempt to notify you that I am a victim of identity theft and I send a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items is DELETED from other bureaus, and I have doubts about the Bureaus ' accuracy, and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) the following unknown items must be blocked : XXXX XXXX XXXX XXXX Balance XXXX XXXX  XXXXXXXXXXXX Balance {$540.00} XXXX XXXXr XXXXXXXXXXXX Balance - 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 XXXXX Balance-
Product: Debt collection

I hired XXXX XXXX and her business XXXX XXXX for a divorce she asked me what can I afford I told her I am a single mother of XXXX kids and money was tight she told me if I gave her {$2000.00} that she would file my petition for divorce and get me to my first court date in the divorce case, I gave her {$2000.00} I filled out the petition she filed it and that was it no court the respondant was never served the case did not go forward and she was hard to get ahold of I then reconciled with my husband and after several attempts via text voicemails and emalls she then responded I told her I wished to dismiss the case she said ok then ghosted me after over a month of her not file a simple motion to dismiss and I was never told I owed any money and never received a bill during these months I then filed my own motion to dismiss after noticing via the courts portal that the case was still pending I reached out to the judge assistant and she told me that XXXX had to file the motion or withdraw from the case so the judge can sign off on my motion to dismiss I filed on my own I then attempted once again contacted XXXX and was un successful I sent her a mall explain what the judge said after again reaching out to the court the judge assistant then reached out to XXXX to telli her to file the motion to dismiss, then months later I receive a bill for additional XXXX for services not rendered I told her I disputed this bill as this was not our agreement and excessive as she did no work then file my petition and already received XXXX she then sent a misleading emall saying she discounted 100 % of my bill which I assumed she was doing the right thing and not charging me the additional XXXX later I receive a call from hf holding threatening to put this on my credit I explaln it was a disputed bill and I was filing a complaint with the Florida bar hf holding then put It on my credit I a copy of the correspondents sent to 3 different emails of hf holding they threatened to sue me and go my job and ruin my credit
Product: Student loan

To Whom It May Concern : PROBLEM : XXXX XXXX HAS REFUSED TO ANSWER MY EMAILS WITH CLEAR ANSWERS AS TO WHY THEY DO NOT LOWER MY INTEREST RATES WHICH ARE AT HISTORIC LOW LEVELS. EVERYONE CAN REFINANCE HOMES, AUTOS, ETC. BUT I CAN NOT REFINANCE MY STUDENT LOANS! 
I am XXXX years old, married and with a child on the way. We are tirelessly saving to buy a home in XXXX, but we 've been crippled by over {$120000.00} of student loans when I obtained a XXXX degree from XXXX in XXXX. 

It 's been six years since I XXXX in XX/XX/2009 and I 've paid over {$90000.00} in interest alone and the principal is lowering at a snail 's pace. We have not been able to take even a small vacation since we married XXXX years ago and there 's no light at the end of the tunnel to live a normal, quality life. It 's strained our marriage early on and we 're so nervous about having children. 

We need help please. Real help. I did n't know what I was doing at the time and my parents were first generation folks who could n't guide me at the time. Help us somehow. Please do n't pass us along to some ( XXXX ) number. What program is there to help me? I will do whatever it takes to climb out of this. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I reached out to SYNCHRONY BANK because I recently checked my credit report and I noticed there stating I have a outstanding balance of {$1400.00} from the date XX/XX/2021 I have no knowledge of and this is fraud.
Product: Debt collection

On XX/XX/2018 I contacted RS Clark & Associates for a pay for delete of a XXXX debt. The representative stated it was a recorded call and they collect debt ( which I was aware ) The lady stated she would need to get her managers approvol to collect the debt and then have it deleted from all 3 credit reporting agencies, she placed me on hold, came back and she stated that she would be able to do that ... she sent me to a woman to take my payment and then emailed me my receipt and I also received one in the mail ... I also faxed them back the sign copy of my receipt the same or next day. So I check my CR and its still showing on XXXX  and XXXX, they only deleted it off of 1 CBR! I then sent them and email on Tuesday XX/XX/18 asking them why they have not removed the debt from the other 2 agencies and they have ignored my emails.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to my XXXX account ( # XXXX ). Specifically, there is an erroneous late payment reported for XX/XX/XXXX, which does not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment reported for XX/XX/XXXX is incorrect. I have made all payments on time, as I am enrolled in autopay for this account. 
Violations of Federal Laws : This misreporting violates the Fair Credit Reporting Act ( FCRA ) under sections 15 U.S.C. 1681i and 1681s-2, which require accuracy in reporting and correction of errors. 
Account Information Account Type : Auto Lease Account Number : XXXX High Balance : {$21000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Open and Current Monthly Payment : {$580.00} Payment History : Incorrectly shows a 30-day late payment in XX/XX/XXXX. 
Requested Resolution I request that Equifax investigate this matter and remove the inaccurate late payment from XX/XX/XXXX. Please provide written confirmation of the correction within 30 days. 
Attached, you will find supporting documents, including payment confirmations and autopay enrollment records, to demonstrate my timely payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending correspondence to make a complaint against the adverse credit reporting from Flagship Credit Acceptance, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX for account number XXXX opened on XX/XX/year>. Pursuant to the Consumer Credit Protection Act under TITLE VICONSUMER CREDIT REPORTING, Sec. 603. [ 15 U.S.C. 1681a ] The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. According to Sec. 604. [ 15 U.S.C. 1681b ] ( a ) of the Consumer credit protection actSubject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
Product: Credit card or prepaid card

I had a fake charge in the amount of {$4.00}, Reference Number XXXX placed on my Amazon Card number ending in # XXXX, XX/XX/2023 at XXXX. 
I did not make this purchase. 
There is no record of this digital purchase on my Amazon account. 
I filed a dispute with Synchrony Bank on XX/XX/2023. 
I wrote to Synchrony bank filing a dispute to state that I did not make this charge, the charge is fake since it does not show up on my Amazon account, Amazon Payment Solutions rep " XXXX '' confirmed this today. 
There is no legitimate activity number because Synchrony Bank made the error ; therefore, XXXX can not make any progress to fix this. 

I called Synchrony bank today Friday, XX/XX/2023 at XXXX, Yesterday, Thursday, XX/XX/2023 at XXXX, and Tuesday, XX/XX/2023 at XXXX, to report the charge is not mine, and {$4.00} remains on a new account that I did not request- I have no new card for the new account, and the XXXX reps do NOTHING to fix the erroneous charge. 
I am being sent payment reminders for a charge I did not make. 
I have not been able to use my Amazon Card account since XX/XX/2023 since Synchrony Bank closed my account ending in # XXXX. 
Synchrony Bank made a new account # XXXX to which I have NO CARD associated with this account!!! 
And the fake charge is on the new account!!!! It has not been removed. 

Synchrony Bank has been preventing me from making purchases since XX/XX/2023 since I have no Amazon Card associated with the new account they made!!

This is complete incompetence and has created grief that I have endured each time I have tried to get this charge off my Amazon Card account.

Attached to this complaint are 3 screenshots proving there is a fake charge Synchrony Bank made the error, and no orders on my Amazon account in the last 3 months.

And the email sent from Synchrony reminding me to pay the fake charge. 

I want my account # XXXX reinstated. My Amazon Card ending in numbers XXXX is the card I have in my possession. REINSTATE MY ACCOUNT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Kikoff Lending promised to help me with my credit. They did not tell me what missing a few {$5.00} per month payments would do to my credit due to lack of work. They now report negatively every month. I have repeatedly disputed with credit agencies such as XXXX, XXXX and XXXX only to be denied. This company promised to fix my credit and now has made it impossible for me to get. They should be held accountable for this, I know Im not the only one they have done this to. They think its funny to ruin our credit instead of fix it.
Product: Credit reporting or other personal consumer reports

I have tried on numerous occasions to communicate with XXXX XXXX regarding their fraudulent account. I have also filed a complaint with the Federal Trade Commission against them. 

I also spoke with XXXX XXXX on XX/XX/XXXX, regarding an account that was opened on XX/XX/XXXX. I went on their website to file a dispute to show that the account was opened at a time when I was XXXX XXXX. As stated previously, I was XXXX  XXXX  until XX/XX/XXXX. ( Documents enclosed ) I was told that the account was verified as mine. How could I have opened an account with them at a time when I XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Partial Acct. XXXX I have included my original disputes with this company along with a copy of my XXXX XXXX papers. I respectfully request that this company be investigated for failing to honor my request that the account information be removed from my credit report because it is fraudulent and damaging my credit report.
Product: Debt collection

Dear Consumer Finance, I have a scheduled trustee/foreclosure sale on XX/XX/XXXX from a third-party debt collector by the name of : Shellpoint Mortgage XXXX XXXX XXXX, XXXX SC XXXX Attorney for Debt Collector XXXX XXXX, XXXX XXXX Attorney XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX, UT XXXX, loan number # XXXX My Information : XXXX XXXX XXXX Mailing, address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  ID XXXX No mail property address is XXXX XXXX XXXX XXXX XXXX ID XXXX, I am a pro se litigant, I have spent all my money on attorney fees for years, now I have to fight on my own and I am requesting any assistance you may provide me so I can stay in my home, especially since COVID-19 has devastated many people including myself and we are all going to lose our homes if nothing is done.

I am desperate to find any help I can to fight off these predators, can you please send this to an upline or to the bureau department head for immediate attention and help? Time is of the essence since the sale date is less than a month away. 

Please follow up with me I have provided all my contact information. My loan was originally a XXXX XXXX  Loan, they are now telling me it no longer is. Would you also provide information on this as well? 

Shellpoint is supposed to follow the Federal Government guidelines, but so far they deny that they don't have to follow any guidelines, rules, or procedures, including the foreclosure moratorium. 

Shellpoint tells me to send them my financials to see if I would even be considered for a loan modification instead of going through the proper channels, In the meantime, they are NOT going to stop or postpone the foreclosure XX/XX/XXXX sale, so what good is that? 

I do not have enough time to gather all of the documentation and paperwork they want me to submit. I am working extremely hard to gather my financials, but I dont trust them, and I want to go through the proper procedures and work with lost mitigation.

I doubt very seriously that Shellpoint is seriously considering giving me a fair shake at a loan modification, they see the equity in my home and have shown no indication of providing me with a loan modification, I have equity more than {$400000.00}.

Shellpoint wants my home and the equity ; they are definitely preyi
ng on people that are down and out. I pray and plead with you to please assist and help me in any way you possibly can to prevent this tragedy and the loss of my home of over 21 years. 

For one time I would like to be able to count on my government to help me. 
Sincerely, Desperate in XXXX XXXX  Idaho XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, ID XXXX Thank you very much, hope to hear from you very soon. 

P.S. When you receive this email will you please respond so I know you received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX, XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 
15 U.S. C 1681 Section 602 A. States I have a right to privacy 15 U.S. C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I was a victim of fraud several years ago involving a NetSpend card. My frequent flyer program has a deal with NetSpend and I VERY much want to take advantage of this offer, however they have denied me twice due to past fraud. I was the VICTIM and feel it is very poor business practice I get punished for someone else 's crime. I have provided every answer to idenity questions and will provide documentation of idenity if needed. This is NOT a credit card, as you know ; it is a refillable debt card so I don't see why I am being denied. The past fraud involved an XXXX gift card. Please rectify this problem.
Product: Mortgage

I have been writing and complaining about Rushmore loans for a number of times to no avail. I have tried to contact them directly but every time you call you talk to someone in the XXXX! I have asked to talk to someone in the U.S. They put me on hold and then you just give up after waiting for XXXX minutes. They are a crook of a company. 
I had a loan modification with another crook of a company called XXXX and they sold my loan to them. I was paying for nearly 2 years without delay an amount of XXXX dollars a month. All of a sudden Rushmore changes that to XXXX and if you are late they add another XXXX dollars! 

I said I would pay my own taxes because they claim that this is because of negative escrow. I can pay my taxes on my credit card which I did just a few days ago. They also lied that the reason for this amount is because my taxes doubled. I went to the county and my taxes only went up by XXXX dollars a year so they are lying again. I do not want to pay almost 600 dollars a month extra when I just can't afford it. I did not sign up for the loan modification to pay this amount. 

I have also repeatedly asked them to have a lower, much lower balance. My note in 2006 when I bought the house was for XXXX. After 12 years of making payments to XXXX, XXXX, XXXX and now Rushmore, I still owe according to them XXXX plus late fees. This is bloody highway robbery. I want a reduction on the principal and I want my payment to be the same as before.

Rushmore is doing an illegal business. I do not want them to pay for my taxes.

Additionally, they all lie. I want a resolution to this matter which I have asked a number of times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY XXXX XXXX EQUIFAX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I was XXXX  from XX/XX/22 to XX/XX/22 My bank account at XXXX bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of XXXX  and filed a police report, I have provided all the documents and they are still giving me a hard time. 
XXXX bank XXXX XXXX card XXXX XXXX card XXXX  XXXX  Just to name a few
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute the inaccurate reporting of a charge-off by Exeter Finance on my credit report. This inaccurate reporting has caused significant harm to my creditworthiness, resulting in recent denials of credit and higher interest rates on financial products.

Upon reviewing my records and publicly available filings with the Securities and Exchange Commission ( SEC ), I have identified discrepancies suggesting that this debt may have been securitized and transferred to a trust or investors. If Exeter Finance has indeed securitized this debt, they may no longer hold ownership, which would make their reporting of this charge-off inaccurate and misleading. This raises serious concerns about potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which requires furnishers to ensure data reported to credit bureaus is accurate and complete.

I have formally requested documentation from Exeter Finance to validate their authority to report this charge-off, which till date has not been recieved these documents include A full chain of title for the debt. 
Evidence of reassignment, if applicable. 
Proof of continued ownership or authority to report the account as a charge-off. 
If Exeter Finance can not provide this documentation, I am requesting that the inaccurate charge-off be removed from my credit reports with all major bureaus ( XXXX, XXXX, and XXXX ) XXXX 

This inaccurate reporting has adversely affected me as a consumer, causing financial and emotional distress. For example, I was recently denied a [ specific loan or credit card ] on [ specific date ] due to this charge-off, directly impacting my ability to manage my financial obligations. 

Additionally, Exeter Finance may have been compensated for this debt through the securitization process, which raises concerns about potential double recovery if they continue to report it as a charge-off.

I am seeking the CFPBs assistance to : Investigate Exeter Finances reporting practices for this account.

Ensure that Exeter Finance either validates their authority to report this charge-off or removes the inaccurate information from my credit reports. 
Failure to address this dispute promptly would not only violate the FCRA but also perpetuate harm to me as a consumer. I appreciate your attention to this matter and look forward to a resolution.