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

I've been trying to apply for a XXXX XXXX credit card for over a year and was denied for the second time recently so decided to take a look into why, since my credit score is good and have had no issues regarding my credit. When they sent the letter describing the reasons why it only listed " length of credit history ''. This did not make sense since I have had my credit opened for a while now. So decided to call the credit bureaue 's as instructed on the letter and did not receive any substancial information from XXXX or XXXX but when I called XXXX they informed me that they had no information on their end regarding any credit, basically to them it was as if I had not credit at all. I let them know that I have had my AMEX account open and active for quite some time now and that doesnt make sense but they contiously stated that there was no information and to contact AMEX XXXX So then proceeded to call AMEX and they told me that they have been reporting my information to XXXX. I ended up going back and forth with AMEX and XXXX numerous times over the course of a week but not really getting anywhere as one is contradicting the other. I also decided to get my credit reports on my own from XXXX to see for myself what they had, and XXXX XXXX XXXX both had a good amount of information regarding my credit history but XXXX did not have anything at all. So just want to be able to have it so that XXXX has all of my information reported to them like XXXX does because I think that is the reason I keep getting denied credit at other lenders. Which would explain the " length of credit history '' being the sole reason for denial, even though I have had my AMEX account for some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with XXXX XXXX XXXX through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX XXXX breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called XXXX and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to XXXX. Now XXXX is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from XXXX XXXX  proving fraudulent activity. I gave them all the information, except the note from XXXX XXXX because that is not my account. They said we looked it up and your name is on the account. XXXX XXXX has tons of accounts with the name XXXX XXXX. I called XXXXXXXX XXXX and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and XXXX had only given me the last 4 digits of the account number, they could not help me. XXXX won't listen and says I have less than 30 days to prove that is not my XXXX XXXX account or they will assume that the loan for {$16000.00} is legit. XXXX allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.
Product: Debt collection

On XXXX XXXX 2023- opened a collection. 
Account -- XXXX {$5200.00} that I owe MIDLAND CREDIT MANAGEMENT. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 




I do not owe this debt to this collector and have not written consent. 
Please remove collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have been working with all credit bureaus to update my information. My information was updated and all names and addresses were removed to reflect one name and current address. However recently XXXX, Transunion, and XXXX have put many names and addresses as reporting onto my credit reports. This is a direct violation of the Fair Credit Reporting Act. Under section 609 of the Fair Credit Reporting Act ( FCRA ), federal law protects consumers from unfair credit and collection practices. My credit report has inaccurate information on because of the credit bureaus inaccurate reporting. It is negatively affecting my finances. This inaccurate information should not be on my credit report. 
If continues to happen these are willful violations and namely actual damages by the top 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Charge offs are considered income and should not be reported on my credit report according to XXXX XXXX XXXX ( XXXX ) and the IRS publication XXXX and XXXX XXXX XXXX. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income. 

XXXX XXXX XXXX XXXX XXXX XXXX are charge off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are CANCELED DEBTS, that I have received copy b of my XXXX form.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. In process of researching purchasing a home, I was made aware of a delinquency in my credit report.I spoke with my servicer XXXX regarding the delinquency. It was reported delinquent from XX/XX/2019 - XX/XX/2019. I spoke with servicer and requested the froebrance be processed to cover delinquency and update my report. I have seen no updates, and hope you can speak with them to assist in my credit update. 

Thank You
Product: Vehicle loan or lease

When I purchased this vehicle the sale price was {$10000.00}. I put {$1800.00} down ask somehow the company reported a balance of {$14000.00}. This is NOT CORRECT. After they sold the vehicle, it now shows a balance of {$8100.00}. My interest rate was 28 %. Please remove this account from my credit report immediately as this incorrect information has caused me a lot of emotional distress and higher interest-rates with other lines of credit.
Product: Mortgage

A couple of months back I was contacted by the company that manages my home loan, Mr. Cooper, and was told that my escrow account was calculated to be short for this next year and that I needed to make a one time payment or pay a small portion throughout the year. I decided to make the one time payment. When I went to go make my next regular payment for XXXX of XXXX, I was shocked when I saw that my payment had gone up anyway. When I called and talked to Mr. Cooper, I was told that yes they had received my payment but my account had to still be adjusted. When I explained that this was not supposed to happen, I was told by the lady that I was speaking to that this was an oversight by Mr. Cooper and this should have been in the letter I received. I went through and read the letter many times and this was never explained. At this point I have zero trust in Mr. Cooper. What is going to stop them from just randomly making my payment more for just no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Vehicle loan or lease

This is a dispute of the consumer against BMW Finance Services NA LLC, XXXX XXXX XXXX XXXX, XXXX XXXX BMW, XXXX XXXX BMW and XXXX XXXX XXXX XXXX as well as all named parties including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am writing this complaint in good faith. I discovered billing error ( 15 U.S.C. 1666 ). I realized that I was not in honor while using debt to pay a debt. I am to use my extension of credits. I know that the has a dividend check attached. Some disclosures were kept from me. I realized that credit was extended to me and taken or held in an unfair, fraudulent and deceptive way. I realized the whole lease contract is in question and that securities fraud appear to exist in this relationship between myself and XXXX. I may choose to bring suit against XXXX and the responsible parties who signed the security exchange commission forms ( XXXX, XXXX, etc. ). I also found several violations of securities act of 1933 as well as the securities exchange act of 1934. I would most likely have to request an audit via IRS. I found violations of not only securities violations, but also identity theft, mail fraud, language fraud as well as numerous federal and state violations against myself. I know according to law i have the right to rescind on a fraud contract. Law states no adverse actions can be used in retaliation of a billing error complaint. 

The law states that there is no limit on contract fraud. I know according to law that I may file a complaint with the CFPB, Attorney General, Comptroller and the FTC to retrieve remedy. 

Based on the amount of fraud found in what appears to be a one party contract agreement with no equal exchange.I no longer give BMW Financial the rights to keep the proceeds and want all my securities. I feel i was discriminated against under the Equal Credit Opportunity Act and Consumer Credit Protection Act as well as deceived by the use of unfair and abusive practices. 

I would like documental evidence of who the co-signer signed for if not for spouse. 

I would like to see original copy of application, promissory notes, any and all documents with and without my signature pertaining to our relationship stating with credit application and not limited to transfer agreements of securities, notes, etc. ) I would like proof of origin of funds and credits. 

I would like to receive and keep the title, mco and you may not have security interests as I have already given you a security. 

I would like a true bill because I realized that I have only received statements of interests and credits due to me. I would like all credit, a return of all previous payments, proceeds, down payments, full value of property and finance charges electronically transferred to my bank account or via check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request to get the reporting correct on my credit file. My next step if this does not get corrected will be to hire an attorney to try and get this fixed. 

Document attached will show all details of what is going on. Numerous documents attached. 

XXXX XXXX - entered into a forbearance plan on XX/XX/2019 - document is attached. Payment of {$130.00} has been paid on time since XXXX of XXXX but they continued to report payment late to credit agency. Document showing all payments attached. 

Filed a complaint with you on XXXX XXXX on reporting late. Document attached showing they were suppose to fix it. XXXX XX/XX/XXXX and XX/XX/XXXX. Another document attached showing Experian reporting it 180 days late as of this month. 

Document from XXXX XXXX website showing I am 30 plus days late. 
Loan modification showing I am approved for this beginning XX/XX/XXXX - I paid the XXXX payment on payment agreement of {$130.00} forbearance plan- document enclosed. I have also scheduled the modication payment scheduled for XX/XX/XXXX for full amount. With all that is going on with XXXX XXXX and mortgages - I want to make sure my account is updated and credit reporting is correct and NOT reported 180 days late as it has adversely effected my credit. I believe they are trying to make me lose my house at this point - you can not get through to them by phone to fix and it is like someone keeps going into my account and changing things so I am always appearing late on payment. Please help before I take this to an attorney to fix or sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with XXXX XXXX XXXX and they identified that they have no record of Inquiry you're furnishing. 


Complete number and company responds attached
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, GA XXXX REQUEST FOR INFORMATION TO ORIGINAL CREDITOR This is a notice of request information. 

Please provide copies of the following information : All billing statements from the date of account opening A list of people you have sent my personal information to The XXXX XXXX disclosures Date of First Delinquency I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. 

Please forward all correspondence regarding this matter to the address stated above Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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 XXXX XXXX
Product: Credit reporting

I submitted multiple disputes with Equifax regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. For absolutely no reason, Equifax added the following status : Open, Collection and " C '' mark on payment history in XXXX XXXX, more than 1.5 years after account was closed. This resulted in being denied for credit 3 times when they pulled the Equifax credit report and informed me that I had current delinquency : XXXX Bank XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX. I have submitted disputes on XXXX occasions attempting to correct this issue : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX Equifax did not correct the status of the acct to Paid, Closed but instead it has removed all status and left it blank. Furthermore, the Payment History still shows a " C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid, closed. I called XXXX XXXX who insisted they report correctly. As it stands now, I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that XXXX is at fault for willful negligence in not removing the Collection mark for the month of XXXX. 
After the last dispute, Equifax reported the following : " We have verified that this item has been reported correctly. The date closed has been updated. Additional information has been provided from the original source regarding this item. The last payment date and date of last activity are reporting correctly. '' This is gross and willful violation of FCRA for the following reasons : 1. Acct is not reported correctly. No acct status is reported and there is a " C '' mark for XXXX XXXX, more than 1.5 years after acct was paid and closed. 
2. There is no date closed being reported at all. It is left blank. 
3. The last payment date is not reported correctly ; it is left blank. Date of last activity Is not reported either, it states XXXX. 
Equifax has a duty to investigate thoroughly and report correctly on all accts. The above report shows that Equifax did not do any kind of investigation, it did not report correctly and it made false statements as show is their so called verification of data. 
I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that Equifax is at fault for willful negligence in not removing the Collection mark for the month of XXXX because XXXX XXXX is reporting correctly. Equifax needs to do a thorough investigation and not just a check through their flawed XXXX system. 

I have also asked Equifax to investigate and correct the status of my XXXX XXXX XXXX mortgage acct under the same dispute XXXX. I asked Equifax to change status of acct from 120+ days past due to " closed '' since the acct is no longer past due and it is closed since XXXX XXXX. Once again Equifax claims to have investigated and reported correctly.
Product: Mortgage

Wells Fargo Home Mortgage and/or the County of XXXX XXXX XXXX misappropriated, diverted, or embezzled funds paid by XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX allocated for mortgage expenses such as real estate and/or attempted to embezzle funds allocated real estate taxes to apply towards personal property taxes that have already been paid but generated by altering statements sent to XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX, including but not limited to funds designated as part of the mortgage payment made to Wells Fargo Home Mortgage. Periods of misappropriation occurred from XXXX-present and as early as XXXX.
Product: Checking or savings account

In 2016 someone opened multiple bank accounts in my name. I was able to dispute one with XXXX and I have identified another with Trust. I am still investigating the extent that this person ( s ) abused my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2000.00}.
Product: Student loan

Rhode Island Student Loan Authority ( RISLA ) has debited my bank account for my payment, but not posted it to my student loan account. They have stolen over {$1000.00} from me.

I submitted a payment on the RISLA website using the same stored bank information I have for all previous payments. The payment posted to my bank account within a few days with no issues.

I got a follow-up email from RISLA that my payment was returned. I verified it was not, and called customer service expecting them to have some sort of resolution process to work this out with my bank. 

No one would even make an attempt to look into the issue, they would just read " your payment was returned '' from the account notes and not proceed any further. I have spent over three days on the phone trying to get assistance. 

Here I am with a $ XXXX payment debited out of my bank account, my student loan is still showing a payment due, and I have had no assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Collection Agency MICHAEL HARRISON ESQ are 2 companies that are reporting fraudulently on my credit. 
I didnt open nor utilize these accounts and I am requesting the removal of these accounts from my credit.
Product: Checking or savings account

Starting on or around XX/XX/XXXX thru XX/XX/XXXX there was over XXXX in total withdrawn from my checking account. Long story short it was taken virtually through the cloud. I dont use this account much and such a large amount taken and put into a credit union and then was taken from the credit union and put into a trading company " XXXX  ''. for future trading. There should have been a red flag to the bank that something was not right. Fortunately with the persistence of my husband and us both being on the phone for 7 days straight putting out fires we found where the money was and contacted Chase Bank. On top of this my husbands identity had now been compromised and over 15 attempts at new credit card applications were in the works.. Every day for 2 weeks we had to call various lenders and companies to let them know this was not us. Chase bank was so laid back about this problem and this caused me to have to close all of my other bank accounts { ie XXXX XXXX and XXXX XXXX XXXX bank accounts } and start from scratch with setting up bill payment etc. i am still encountering bounced payments and credit card companies not being paid as my bill pay account had been suspended for so long. This is an issue that will not go away in a few weeks. Chase bank has been so irresponsible in this matter, i would like to be compensated in some way. They then closed all my accounts without any notice and sent a check for all my accounts via a ups mailer that sat on my hallway floor and could have very easily been stolen. Were they ever going to tell me they sent a check? I am livid and i want justice for my husband and I. I had an account with chase for over 20 years. I guess customer loyalty doesnt mean a thing.
Product: Credit card or prepaid card

XXXX applied for TJX Rewards Credit Card XXXX Called XXXX on the same and was advised that I will receive a letter in the mail regarding the status of my application. 

XXXX received a letter from Synchrony Bank stating that it was unable to verify my identity. 

XXXX mailed letter with a copy of my license to Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX advised in the letter if I needed further clarification regarding their decision. 

XXXX called and spoke to " XXXX '' he said their was a mismatch with my name because the last letter of my last name did not appear. Advised that the hyphen is on my driver 's license and if the " y '' does not appear, it is due to the lack of character space. I was placed on hold and was told that I was approved for {$1000.00}. 

XXXX and spoke to " XXXX '' to check on the status of the card and I was transferred to the XXXX Department. Spoke to " XXXX '' in the fraud department and she stated that my application. Advised that I was not pleased and I would file a discriminations complaint because I have the credit score, credit history, and my yearly income is over {$100000.00}.
Product: Debt collection

I reached out via email on XXXX.21 and asked who this company was and why they put two different accounts on my credit report, the person responded and was like oh we sent your account over to collections. 

I called them on XXXX2021 ( the collections dept. ) and inquired about the debt. I provided my name, ssn, and dob. None of the identifiers provided matched that account. All they had was my name and an address that I updated thru the postal service. The representative was like I'm not sure what's going on. Put me on hold and then hung up. 

I called the XXXX XXXX  company on XXXX.2021 and told them about the conversation I had with the debt collector. I provide all of the same identifiers and they were unable to attached that account to me besides name & address. I asked them to remove this from my credit profile because this was wrong. I was told someone would follow up with me today and nothing has happened. XXXX!