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

ALLY FINANCIAL SERVICES HAS REPORTED OVER 30 DAYS OF DELINQUENCY REDUCING MY CREDIT SCORE OVER 30 POINTS. THIS LOAN WAS NEVER FINALIZED AND THE DEALERSHIP RECEIVED THE FUNDS AND KEPT THEM OVE 60 DAYS WHEN THE VEHICLE WAS RETURNED IN 3 DAYS AND THE DOWN PAYMENT OF XXXX WAS SURRENDERED TO MY SON XXXX XXXX. I HAD BEEN TOLD BY ALLY 'S COLLECTION MANAGER THAT THIS WOULD BE TAKEN CARE OF AND THE CREDIT BUREAU WOULD BE CONTACTED AND I WOULD RECEIVE A LETTER STATING THE THE MISTAKE WOULD BE CORRECTED. INSTEAD, I HAVE RECEIVED XXXX LETTERS FROM ALLY AND A XXXX $ REFUND CHECK A NOTICE TAKING ME FOR PAYING THE LOAN WHICH I HAVE NOT CASHED BECAUSE I DID NOT PAY THE LOAN OR DID I AGREE TO THE TERMS OF THE LOAN. WITH THE CALLS AND LETTERS AND HEADACHES THIS HAS CAUSED THIS SHOULD BE REFERRED FOR LEGAL ACTION. NO ONE SHOULD BE PUT THROUGH WHAT THEY HAVE SUBJECTED MY SON AND I TO.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies XXXX, Equifax and XXXX have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I further discovered that the XXXX XXXX inquiry is related to a corporate business account which was not unauthorized by my authority. I have taken the action to have the inquires removed from my credit report.
Product: Checking or savings account

On XXXX I tried to withdraw {$500.00} from a Huntington Bank ATM at XXXX XXXX XXXX, XXXX, OH XXXX, but the ATM failed to dispense cash. I inserted my debit/ATM card and followed the instructions but the door that opens to dispense cash failed to open after making noises. A message then displayed on the ATM 's screen saying my transaction has been cancelled. However, the withdrawal still showed up on my account when I checked online. 

I walked into the bank branch where this ATM is located and spoke to the branch manager, XXXX XXXX. I was told by XXXX that this particular ATM was managed by another company and they had no control over it. Please note there was a second ATM at this branch that was managed by this branch according to XXXX. XXXX asked me to talk to an employee who opened a dispute for me. 

The same day I called the bank 's customer service line and was given XXXX XXXX XXXX for this incident. 

On XXXX I called the bank 's customer service line and was told the case had been closed by the bank because questions had not been answered. Please note I had not been asked any more questions or contacted by the bank since my last call. The bank has my contact information on file. 

Between XXXX and XXXX I called the bank 's customer service line twice and on both occasions the call was disconnected as I spoke to their representative. I called the branch in XXXX and spoke to an employee twice but never heard back regarding this issue. 

On XXXX, I called the XXXX XXXX again and spoke to XXXX, who said she will open a new case and gave me XXXX XXXX XXXX. XXXX said she will call me by Friday XXXX but did not.
Product: Debt collection

Conns furniture is not MY account but continue to report accurate I DONT HAVE NO ACCOUNT WITH CONNS THEY STATED THAT I OWED THEM XXXX XXXX THEY STATED THAT I OPENED A ACCOUNT WITH THEM IN 2018 NEGATIVE I DONT KNOW ANYTHING ABOUT THIS ACCOUNT I MOVED FROM THE ADDRESS STATED IN 2018 BUT THE NEW TENANT STOLE MY IDENTITY INFORMATION CONNS APPLIANCES ALLOW SOMEONE ELSE TO DESTROY MY CREDIT AND GET MERCHANDISE IN MY NAME THATS FRAUD PLEASE REMOVE THEM FROM MY CREDIT REPORT I HAVE FILED AND PROOF OF A POLICE REPORT FOR THIS ACCOUNT THAT DO NIT BELONG TO ME.
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 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

AMex conducted a review on my account. While doing so I paid off my balances, and they told me that after checking my paperwork my accounts will be unsuspended and reopened. 

I called them and now they said that it never happened, but it did. It looked like they collected my money and backtrack on what was said. Please have them reopen my American Express accounts all I want is to use my credit cards again. I have the money and paid off everything in full and on time.
Product: Checking or savings account

Recently I've caught on to how my card seems to get charged twice. Once on the moment of the payment and the second time is a couple days later when the transaction gets posted on the app. I barely caught on, I've been having this account for years. Who knows how long it's been
Product: Checking or savings account

Wells Fargo looted my bank account in the name XXXX XXXX Claiming I'm dead. My money was left in savings and wellsfargo claimed I was dead and looted my savings account and properties with my distant relatives.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

Credit Systems International has been sending me repeated bills of collections for a XXXX XXXX company for the total of {$1000.00}. On XX/XX/2023, I completed a FTC Identity Theft form which indicated that this was due to identity theft and fraud. There was another utility company, XXXX XXXX XXXX, which XXXX was trying to collect {$310.00}. This was just resolved by XXXX but I want to ensure Credit System knows this is identity theft and clears that off my credit. I have called repeatedly and stated the actions I have already took in proving this is identity fraud. There were also two false addresses from Texas, never lived there or know anyone there, that were being used for the XXXX XXXX and XXXX XXXX. I have been with XXXX & XXXX for 5 years and I have never even heard of these scammer companies. XXXX XXXX are terrible to work with and basically said they dont believe me. I sent them years worth of XXXX & XXXX documents, government documents and the identity fraud application and still are sending me letters stating its not enough information. This has been a terrible nightmare for someone whos identity has been stolen and they make it 100 times harder by not believing the hard evidence. I already told them I will not pay it and keep fighting all the letters they send.
Product: Mortgage

When filling putt the application with Navy Federal Bank over the phone, my information was not added at as disclosed for the application. I attempted to call XXXX XXXX left XXXX voice mails to call me back no response at the number of XXXX. I also called to inform of the application mix up and I was told an email was sent with still no call back. On XXXX XXXX XXXX called to let me know the application was going to underwriting I informed her of the mix up and she said it would be fine even though I was only able to prove HALF my income. I have been trying to get the company to assist me on getting this resolved. They TOOK my money for the application fees but do not want to call me back or report the charges as FRAUD because it was the banks mishap.
Product: Mortgage

An Analysis Report dated XX/XX/2021 was sent to me from my mortgage company Shellpoint Mortgage Servicing. My monthly mortgage premium was {$4800.00}. As of XX/XX/2021, my premium was increased to {$5200.00}. Upon reaching out to the mortgage company they explained to me that there was a shortage of {$1700.00}, which they would spread out over a 12 months period, which would result in a increase of {$140.00}. Since XX/XX/2021, I tried to have someone explain why my payment was increase and currently my escrow is in the negative of over {$2000.00}. 

Thanking you Concerned Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report reflect unknown charges with an unknown company that resulted in a significant negative impact on my XXXX  score lowering it from XXXX to XXXX. According to the report, a company named American First Finance ( AFF ) listed a " lease '' opened XX/XX/2023 with an original amount of {$4000.00}, {$1200.00} payment, with 60 days current in arrears. 

On XX/XX/2023 I connected with XXXX to dispute the recording who disclosed to me that they could not share the AFF account number with me and that I should call the merchant directly. On XX/XX/XXXX, I connected with AFF who refused to look up the aforementioned data to determine legitimacy or correcting ownership unless I shared my social security number with them. I informed them that the account did not belong to me and that I refuse to share personal information surrounding a fraudulent account or transaction. Either the matter was obtained in error or the debt was obtained through identity theft. My identity must have been compromised. 

The numbers I called in an attempt to resolve this matter are : XXXX XXXX, American First Finance. XXXX XXXX XXXX
Product: Debt collection

ON XX/XX/2024, I MAILED WRITTEN COMMUNICATION IN THE FORM OF A CEASE AND DESIST LETTER TO PORTFOLIO RECOVERY ASSOCIATES REGARDING UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNTS # XXXX {$1400.00} # XXXX {$3200.00} REFLECTING ON MY XXXX, XXXX, AND XXXX CONSUMER REPORTS IN VIOLATION OF 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) - ( B ) ( I ) - ( II ). IN ADDITION, I SENT A COPY OF THE CEASE AND DESIST LETTERS TO XXXX, XXXX, AND XXXX DISPUTING SAID ACCOUNTS. DESPITE MY CEASE AND DESIST LETTER, PORTFOLIO RECOVERY ASSOCIATES STILL CONTACTED HAS STILL CONTINUED TO FURNISH SAID UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION TO THE XXXX CONSUMER REPORTING AGENCIES IN VIOLATION OF THE FDCPA AND THE FCRA THEREBY HAVING IT REPORTED ON MY CREDIT FILE AND CONSUMER REPORT. 

XXXX HAS DELETED THIS UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION FROM MY CREDIT FILE AND CONSUMER REPORT. HOWEVER, XXXX AND XXXX ARE STILL REPORTING THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names, Addresses are false spouse/co applicant : XXXX is false Never used names : XXXX XXXX XXXX XXXX XXXX Never used addresses : 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 Never had phone number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over XXXX XXXX heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX did fraud with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXXXXXX Balance : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma. I have constantly been told that i have high approval odds and apply get denied and now have inquires. XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX
Product: Debt collection

placing that I have a debt from a discharged BK wich is false in order to damage my credit for a file already known as ID theft. They simply bought the debt from someone who had to remove it. There is no contact information for themHere is the link from consumers talking about these criminals XXXX XXXX XXXX XXXX & XXXX & XXXX XXXX XXXX XXXX & XXXX
Product: Credit reporting or other personal consumer reports

I did a credit report for a place for rent on a fradulent website I need a new ssn number I am putting a credit freeze through all the unions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXXccount number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I am writing to address the inaccurate reporting of balances on the following accounts in my consumer file. Also, the ina XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, regarding the bankruptcy XXXX XXXX  Discharged Reference : XXXX and XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXe reported information is inaccurate.
Product: Student loan

I was already enrolled in the income based repayment plan and it should have been rolled over to our new service loaner - mohela. 

I did not need to certify my income during the pandemic forbearance but I certified it recently Not wanting to jeopardize my payment count, nor my monthly payments tripling, I acted on it as instructed. It was only later on from My peers that I learned that I did not indeed have to do the annual recertification, and that the monthly payments I was paying when the administrative forbearance took effect should have been the same when the administrative forbearance ends XX/XX/2023. Mohela / fed loans unfortunately seems to be banking on individuals not knowing this information as they do not publicize, advertise, nor inform their customers this nearly as much as they do the fact the they " HAVE TO '' do otherwise under threats of greatly increased monthly payments. 

I called Mohela XX/XX/2023 to honor my past income driven payment plan before pandemic and they said they can not reverse it since I already recertified my income XX/XX/2023.
Product: Mortgage

In XX/XX/XXXX we completed a recast ( or re-amortization ) of our mortgage memorialized by a Mortgage Modification dated XX/XX/XXXX after having made a principal reduction ( aka a curtailment ) to our loan balance. In our cover letter with the Original Mortgage  Modification Agreement and other lender documents we signed and had notarized, we requested a copy of the fully executed copy of the Modification Agreement with AmeriHomes joinder be sent to us for our records. 
We sought from Amerihomes servicer and received via email confirmation dated XX/XX/XXXX that all properly signed documents had been received, and that the requisite changes had been made to our account, including the new total payment amount. 
By return email XX/XX/XXXX we again requested a copy of the Mortgage Modification Agreement with countersigned or joined by Lenders authorized signatories. On XX/XX/XXXX AmeriHome responded via email that they would send us a copy of the Agreement once executed by their officers but that it could take several months After numerous phone calls, on XX/XX/XXXX, over 1 year later, we sent via USPS certified return receipt to AmeriHome an Error Resolution Notice under 12 C.F.R. 1024.35, again requesting a fully and properly executed copy of the Modification Agreement signed by their officers.

They responded by mailing to us, without comment, a copy of the Agreement apparently signed by AmeriHomes officers on XX/XX/XXXX. ( It apparently was left neglected for well over a year ) However, the Officers signature page lacks a notary acknowledgement as to the Officers. 
Please note the comment typed under the AmeriHome signature block on page 4 of this instrument the execution of this Agreement should witnessed and the appropriate acknowledgement clause should be added, if these are requirements under local law. In addition, if required under local law or practice this Agreement should be filed of record.

We are specifically requesting that this instrument be properly executed by the Lenders officers, including witnesses and an acknowledgement by a Notary, and that it be recorded in the official records. In the alternative, we request a satisfactory explanation from the Lender as to why this is not necessary under local law, and that the instrument they sent to us meets the requirements for execution under local law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 and XX/XX/2022 I sent separate disputes to Transunion regarding two accounts reporting on my credit report that were from the result of identity theft/fraud. My initial dispute was an identity theft affidavit, followed by a letter in XX/XX/2022. Upon checking my credit report, both items still remain and nor does either item has been marked for disputed. i haven't received any copies of my credit in the mail from Transunion or any type of correspondence pertaining to either XXXX of my disputes. Therefore, Transunion must remove or delete the disputed items XXXX XXXX # XXXX and XXXX # XXXX from my credit report immediately. It now has been over 60 days, and which makes Transunion in violation of the Fair Credit Reporting Act 1681 ( c ). Transunion must and should adhere to the Fair Credit Reporting Act or face Civil liability.