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

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago I opened an account with XXXX XXXX XXXX XXXX thru XXXX XXXX I bought a carpet cleaner and was having payments taken out of checking account automatically, my bank XXXX contacted me and they thought my account was having fraudulent activity so they cancelled card and issued a new one. I had called why not lease it and told them not to use card as it would be invalid and I would call when I received new card well they used my inactive card ( I 'm not quite sure how many times ) but for awhile it was 2 time a day and each time it was rejected they charged me another XXXX dollars? When I received my new card I called and told them the new # and thought everything was fine but When I went to apply for a home loan my agent informed me that I had this account overdue much to my surprise so I called the company that XXXX XXXX XXXX sold it to and paid the bill this wasXX/XX/XXXX and still even though my credit report states XXXX they are still reporting this every month and messing up my ability to get a home loan. I called XXXX XXXX and spoke to XXXX and she told me they wo n't quit reporting even though my account is XXXX. She also said they would continue for 7 years. Totally unfair as I did not even know this debt existed! I thought it would come off my report since I had paid it I have read numerous complaints about this company Can I get some help??
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 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, credit repair services, or other personal consumer reports

I am writing you a formal complaint against Equifax, in regards to their company not following a well established laws of the Fair Credit Reporting Act ( FCRA ). See ( SECTION 609 and 611 ( a ) ( 1 ) but not limited to. Given the fact that more than 30 days had expired, ( XX/XX/2020 - XX/XX/2020 ), and no proof was given validating the accuracy of the accounts encompassed in the four corners of my document, everything must be removed from my credit report. See ( attached dispute letter, certified mail receipt, but not limited to. )
Product: Checking or savings account

My tax return had the incorrect account number on it. We noticed as soon as it was filed and contacted the IRS but they said that the bank is required to return the funds if the name on the account does not match the name on the deposit. The day the funds were deposited to the account XX/XX/2018 in the amount of {$4600.00}, I contacted the bank and they said that there was nothing they can do to return the funds since it went into an open and active account, they said I need to contact the IRS to reclaim the funds, once they receive the request from the IRS they could return it. So I did that. The IRS sent the request to have the funds returned however the bank responded stating that the account owner has already used the funds. I understand the incorrect account number was input on my tax return however those funds should have been placed on hold as soon as I contacted the bank so that the account owner could not use those funds. If the bank would have done their due diligence and placed the hold when I contacted them they would have been able to return MY funds to the IRS.
Product: Vehicle loan or lease

I am writing to formally dispute and request corrections to significant discrepancies in my loan payment records for Account XXXX After thoroughly reviewing my transaction history and payment records, I have identified several inaccuracies that do not reflect my payment history or outstanding balance. These errors directly impact my payment status and, potentially, my credit standing.

Specific Issues Identified
Balance Discrepancies
As of XXXX XXXX XXXX  the balance stated was XXXX  which includes a past-due
amount of XXXX  and late fees of XXXX. My payment records, however, suggest that the outstanding balance should be lower based on prior payments.

on XXXX XXXX XXXX, a payment of XXXX did not reduce the Running Principal
Balance of XXXX, as it should have. Similar errors are evident on multiple other
dates, including XXXX XXXX XXXX, and XXXX XXXX XXXX

"Days Past Due" Errors
Despite payments made, the "Days Past Due" status did not reset or reduce as
expected:
XXXX: Payment made, but "Days Past Due" remained at XXXX XXXX  Payment made, but "Days Past Due" remained aXXXX XXXX XXXX  Payment made, but "Days Past Due" remained at XXXX XXXX  and XXXX: Similar errors, where payments did not reflect
reductions in the "Days Past Due."

Inconsistent Application of Payments
There are discrepancies in how payments have been applied to principal, interest, and
fees, suggesting misapplication or omission of credits to my account.

Inconsistencies in Running Principal Balance
On XXXX multiple transactions occurred. Despite payments and reversals (PAYMENT-R), the Running Principal Balance remains unchanged at XXXX after several entries, which seems incorrect:
Payment: XXXX  Balance remains XXXX
Reversal (PAYMENT-R): ($350.00)  Balance still XXXX  Payment again: XXXX  Balance still $XXXX
These entries should adjust the balance accordingly.
Similarly, on XXXX, a payment of XXXX shows no impact on the Running Principal Balance, which remains at XXXX  
Repeated or Redundant Transactions
There are several reversals labeled "PAYMENT-R" that do not seem to fully o
Product: Mortgage

I was on a Covid -19 forebearance plan with PHH mortgage company. 
In XXXX of XXXX I was told there was no more forebearance extension and that I would have to apply for a trial modification payment plan. 
I was told by PHH mortgage company that any payments prior to the trial payment plan would be put on the back of the loan as money owed. 
PHH sent me the application by email I completed it within a few days emailed it back to PHH mortgage and waited for their approval of this trial plan. 
PHH approved the plan it took a long time even though throughout the forebearance time frame and into the trial aplication process I consistently communicated with their company always eager to move the process along PHH mortgage set the 3 trial payments in XX/XX/XXXX and I was asked and was allowed to show good faith by sending 2 trial payments in XXXX and 1 in XXXX I did this in good faith and was told all of the payments for XXXX were put on the back of the loan. 
When I sent in these 3 payments they were recorded incorrectly, Multiple phone calls to PHH always getting different answers. 
They had applied 2 of the 3 payments to XX/XX/XXXX and XX/XX/XXXX and the 3rd payment I wastold was credited to XX/XX/XXXX again then it was somehow in an account where PHH was waiting for me to call them to tel them where to apply the payment. 
Always different answers and numerius calls I believe I was tricked and PHH lied about the forebearance payments and how my trial modication payments were to be applied The 3 payments I sent should have been applied for XXXX XXXX XXXX XXXX of XXXX not anything else all of XXXX was foreberance
Product: Debt collection

On Thursday XXXX XX/XX/XXXX, my car was repossessed while I was at work. The vehicle I bought is a XXXX XXXX XXXX. I bought the car cash from a private seller with a clean title that was given to me and taken to the DMV. The DMV issued me a new title. There were no liens on the title of the vehicle. The previous owner also confirmed he did not have any liens on the title for the vehicle. That day XXXX XXXX XXXX XXXX XXXX  were ordered to repossess my vehicle by their client Par North America and that the bank where the loan was from is XXXX XXXX XXXX. I reached out to both client and lender/bank and explained I bought this vehicle from a private seller for {$12000.00} cash with no liens from myself and there were no issues with the title which the DMV should not have issued me a new title if there was liens on that vehicle. They both said they are investigating the issue however I can not seem to get an answer as to why I am the one having to go through all this inconvenience and having my car repossessed along with the DMV issuing me a title for it if there was actual liens or issues with the title. I sent over the title the DMV gave me showing proof of ownership of the vehicle. The registration in the vehicle that XXXX XXXX XXXX XXXX XXXX found also shows my full name and address showing proof of ownership.
Product: Credit card

I am filing a new complaint, since you " closed '' my previous complaint despite Chase responding with incorrect information, confusing two different accounts I have with them. On XX/XX/2024, I applied for a Chase Sapphire Preferred card. ( Note this is a DIFFERENT account than the Chase Freedom account I received on XX/XX/XXXX when downgrading a previous account ). My Chase Sapphire Preferred card was not approved immediately. Before it was approved, Chase sweetened their sign-up bonus for this type of card, adding a {$300.00} Chase Travel Credit for new cardholders in addition to their XXXX bonus points. I assumed that since I was approved after they added enhanced the sign-up bonus that I would receive their sweetened offer. But that was not the case. They are refusing to provide the {$300.00} Chase Travel Credit for me, even though they added it before I was approved. So I started off on this new card with a very poor customer experience. When I filed my previous complaint, they responded about the different account from my XX/XX/XXXX downgrade, stating I did not qualify for any sign-up bonus at all since it was a change of an existing account. This is a different account, and is a completely new account with Chase, so qualifies for their sign-up bonus per their own terms.
Product: Credit card or prepaid card

Id like my inquiry looked into in regards to my Citi bank XXXX credit card. I noticed on my last statement that my APR went to 29.99 % up from the previous rate of 17.24 %. I tried figuring it out and did not see any late payments on my statements. I called and spoke to a very rude and sarcastic representative from Citi. She informed me that I had no late payments and would keep looking. She then started saying missed one here, missed one here and so on. I interrupted her because I got defensive and said What do you mean I missed one? She then stumbled to try and explain that I was in a penalty APR because I didnt make my payment in full. I said I was aware a couple months I did not make the full payment but when I realized it I paid the extra. Before the due date. She then stated Well because you have 5 times of this happening within 12 months we are raising your rate. I am beyond baffled. First of all Citi is the only credit company I have seen that changes its minimum payments by almost cent each month to almost catch customer off and enforce this very sneaky policy. A policy that exists for the sole Eason of them raising their rates. This coming off a recent case you won on behalf of customer because they refused to check customers account for rate adjustments. At any rate I did get a little rude because I feel I m being cheated as a consumer. I get it they are there to make money but at the same time they are. Simply because I didnt make the full payment due in one payment they are penalizing me by DOUBLING my APR when I have NEVER had a late fee. I could understand if I was late and they had late fee to prove it or if I was past due but that is not the case. I want my original APR reinstated.
Product: Credit reporting or other personal consumer reports

Experian did not update my credit file for over two years. I have contacted them several times about the issue only to be told by every department let me transfer to someone.thqt handles that. After 3 complaints with this department it was finally updated. 

I was offered a refund if only a few months that I paid for the service of a monthly membership before canceling due to not having access to my file. This has caused me XXXX and losing of the motivation I had to correct my finances. 

The only thing I was offered was a refund ... .WHICH I NEVER RECIEVED. REFER TO CLAIM XXXX AND XXXX MY CLOSED XXXX  ACCOUNT IS STILL REPORTING A BALANCE THAT IS INCLUDED IN MY " CURRENT '' CARDS RATIO. I INTEND TO CONTACT THE FTC AND ATTORNEY GENERAL AS THIS HAS BEEN 3 YEARS WITH NO REAOLUTION. 


AND I HAVE CONTACTED CUSTOMER SERVICE AT EXPERIAN TO INQUIRE ON THE SMALL REFUND I WAS OFFERED AND AGAIN WAS GIVEN NO ASSISTANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXX  HWARFIELD ( Original Creditor : XXXX XXXX  XXXX  ) XXXX** ... XXXX  XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX  XXXX  XXXX  ) XXXX**** ... XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX** that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have an account from XXXX  XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX or XXXX XXXXXXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XXXX of 2013. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through Department of Financial Institution, I see that XXXX XXXX XXXX is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX  XXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.
Product: Debt collection

Ale Solutions is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitations in CA. This debt needs to be removed off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a second complaint against Experian regarding my ongoing issues with identity theft and their failure to accurately address the discrepancies on my credit report. I have previously reached out to Experian directly, but my concerns remain unaddressed. 

As I stated in my original complaint, I am a victim of identity theft, and the following accounts are a direct result of this criminal activity : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX - Date Opened : XX/XX/XXXX - Reported Balance : {$630.00} - Original Creditor : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Phone # : ( XXXX ) XXXX XXXX. XXXX XXXX XXXXXXXX - Account # : [ Insert Account Number ] - Date Opened : XX/XX/XXXX - Reported Balance : {$530.00} - Original Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX Phone # : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX - Date Opened : XX/XX/XXXX - Reported Balance : {$520.00} - Original Creditor : XXXXXXXX XXXX XXXX XXXX  - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX - Phone # : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX - Date Opened : XX/XX/XXXX - Reported Balance : {$560.00} - Original Creditor : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX XXXX Phone # : ( XXXX ) XXXX Additionally, I have noticed the following addresses appearing on my report that are not mine and have never been associated with me : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX have also identified employers listed on my report that are not and have never been associated with me : - XXXX XXXX XXXX - XXXX XXXX Furthermore, there is an account that I have paid in full with no late payments ; however, it continues to display late payments and a {$0.00} balance : XXXX XXXX XXXX* - Account # : XXXX XXXX Date Opened : XX/XX/XXXX - Reported Balance : {$0.00} - Original Creditor : XXXX - Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX # XXXX XXXX XXXX ) XXXX Additionally, I have discovered inquiries on my report resulting from identity theft, as I have never applied with the following companies : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Debt collection

I recently checked my credit reports and discovered a negative listing reported on all three major credit reports. A debt collection agency called Medical Data Systems has been reporting medical debt that is not mine. I have no knowledge of the debt, other than it being listed on my credit reports. I immediately disputed the negative listing with XXXX, XXXX and XXXX. I received my updated credit reports with this collection account coming back as verified with no further information. As per the CRA instructions, to receive further information, I contacted Medical Data Systems with a debt validation letter because I wanted to see any proof that I supposedly owed this alleged debt. I wanted to see a contract bearing my signature on this debt, I wanted to see anything that would show I entered into any agreement verbally or physically, I wanted to see anything that remotely tied me to this debt that was, by the way, not even in my hometown or even in my state for that matter. They responded in part by saying, " there is no basis in law to substantiate your right to such information ''. In addition, they did send me a copy of a paper stating " THIS IS NOT A BILL ''. It appears to be a listing of medical services that may or may not have been performed. It may also just be a quote or similar, I 'm not really sure what this paper is or who it pertains to. It only has my name typed at the top. It DOES NOT have my social security number, my birthdate, or my signature anywhere on this paper copy. The paper also says to call them to discuss payment arrangements. This debt is not mine, or anybody that is associated with me. This negative account information continuing to be reported by Medical Data Systems is harming my credit score and my reputation and my quality of life.