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

XXXX XXXX XXXX. 
XXXX Last four of social : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681 c-2 ) that you, the XXXX credit reporting agency , Equifax information services , and XXXX 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 consist of several accounts from XXXX  XXXX XXXX XXXX. bal. {$61000.00} opened XXXX, XXXX  XXXX # : XXXX, XXXX XXXX XXXX XXXX bal. {$1000.00} XXXX # : XXXX, XXXX XXXX XXXX bal. {$24000.00} XXXX # : XXXX, and XXXX XXXX XXXX XXXX bal. {$100000.00} XXXX # : XXXX. Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries being maintained by you were not opened, made or initiated by me. All of the listed accounts are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Mariner Finance I opened a loan account number XXXX. I was serving XXXX XXXX and still when I opened this loan. I ended up having it sent to collections. I finally got financially back on my feet and ended up sending a final payment for the full amount. Upon verbal agreement of final payment I was told my account would be removed with all negative discrepancies. After they processed my payment I was sent a letter that the account would be removed from my credit report. This is still on my account and affecting me negatively because I cant use my VA Loan because of serious negative impacts.
Product: Debt collection

I have made several requests for updated records regarding this account since XXXX. When the company charged off the said debt in XXXX, I requested debt validation as well as a XXXX form since they wrote the account off as a " profit-loss '' charge-off. To date, I have not received any information in regards to the XXXX that I requested. In fact, on XX/XX/XXXX on a called placed and taken by XXXX Customer Service Department from XXXX to XXXX, representative " XXXX XXXX XXXX did confirm that the company in fact DID not send the XXXX to indicate cancellation of debt since it was charged off. However, they have reported this account this as a loss to the XXXX XXXX XXXX but are still attempting to collect this debt from me through a third-party. This is illegal and fraudulent as I was told by the XXXX and advised that I submit a complaint here as well as referral to the IRS for investigation into this very common practice Synchrony Bank uses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 

The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 

The disputed items must be investigated. 

I respectfully request you to process the investigation as prescribed by my rights under the FCRA. Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation.
Product: Credit card or prepaid card

Capital one, clearly motivated by profit, continues to insist that the fraudulent accounts belong to me because the SSN, DOB and contact information belong to me and statements were sent to my address. However, this is a case of identity theft and there is nothing surprising about information matching and the fact that it was open online also provides further proof. Capital one has not provided me with the information related to the IP address that was linked to the account opening. Moreover, within the police report, which has been provided to Capital one, the defendant in this identity fraud theft case admits that he lived at the same address and did in fact make payments to the accounts he opened fraudulently so that he could continue using them because he was not a legal permanent residence with a valid SSN thus could not open his own accounts. Additionally, last week the prosecutor who is handling this identity fraud case sent me the attached sworn affidavit from the defendant in which the defendant admits to opening among others, the Capital One credit cards There is no evidence that Capital One has properly investigated this matter. I have been in touch with the police and prosecutors working on the identity theft case and they have confirmed that no representative from Capital One has reached out to them. The same information that was used to open account ending in XXXX is the same as the one used to open account ending in XXXX. Both are fraudulent.
Product: Debt collection

I have health insurance. I have had health insurance. I should not have a bill and these should have not affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, my wife & myself, identity was stolen. our phone, email, credit, and us postal service address were involved. the hacker changed our address to a XXXX address. we have been trying since XXXX to remove this address. we start a dispute online with Equifax, and 3 days later, they say it's resolved. when we pull credit bureau, it is still on there. we have talkd with them by phone, and Equifax advises they will remove. however as of yesterday it has not been removed. 
Both Experian & XXXX XXXX have removed this address. 

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

Experian will not update my score please help still showing from XXXX when I pay for service send refund also
Product: Mortgage

I was communication with PennyMac for a short sale status, they never approved me for the short sale and were taking forever giving me information regarding postpone the sale. I called and was desperate for all options so I asked for a Payoff quote and then when I called the next day to ask about the short sale request they told me that because I asked for a payoff quote they took me out of review for the short sale and said they were proceeding with the sale on XXXX/XXXX/16.
Product: Credit reporting or other personal consumer reports

in my efforts to fix my credit report, i came across the CFPB Experian lawsuit.

i feel i was negativity impacted, hurting my chances of improving my credit score after receiving a response to my earlier dispute that the accounts was " verified ''. 

i am requesting immediate deletion of this account with XXXX for they have not provided information into that account
Product: Credit reporting or other personal consumer reports

THESE COMPANIES ARE ON MY CREDIT REPORT WITHOUT MY APPROVAL OR KNOWLEDGE. I AM XXXX AND I HAVEN'T DID ANYTHING ON MY OR WITH MY CREDIT IN OVER XXXX YEARS. I HAVE NOT SIGNED ANYTHING OR KNOW WHO THESE PEOPLE ARE. MY INFORMATION WAS BREACH AND I HAVE A SECURITY FREEZE ON MY ACCOUNT THIS IS A SECURITY BREACH/IDENTITY THEFT. I WOULD LIKE THIS REMOVED FROM MY CREDIT IMMEDIATELY THIS IS FRAUD I HAVE HAD NO DEALINGS WITH THESE PEOPLE. REPORTING SOMETHING ON SOMEONES CREDIT WITHOUT THEIR KNOWLEDGE IS FRAUD.ALL OF MY INFORMATION HAS BEEN COMPRISED. 

XXXX XXXX XXXX XXXX {$1200.00} DATE : XX/XX/XXXX XXXX XXXX XXXX AMOUNT : {$340.00} XXXX L J ROSS ASSOCIATES AMOUNT : {$200.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote a letter to the XXXX XXXX XXXX asking them to provide proof ( showing something with my signature ) that I have an account with them. I never received a response. On XX/XX/2021, I sent TransUnion a letter disputing this matter stating that it has been well over 60 days with no response, along with the letter that I mailed to XXXX XXXX XXXX. I asked them to delete this negative inaccurate information and I have not received a response in this matter.
Product: Credit card

I was scammed buying auto parts charged and never received. XXXX XXXX branch manager and I discussed about this for an hour and i left emails and such pertaining to this
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX bureaus : XXXX, XXXX, and Transunion and disputed personal info that was incorrect and XXXX collections : XXXX XXXX XXXX, and XXXX XXXX. Pursuant 15 usc 1681 section 602 A. states that I have the right to privacy and 15 USC section 604 section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b states that whats reported must be assured maximum accuracy and XXXX acct says that i have a late payment. 15 usc 1666b states that a creditor may not treat a payment as late for any purpose
Product: Student loan

I have overpaid on my loans by hundreds of dollars a month for a couple of years now, attempting to pay it off quickly. Suddenly in XXXX, my AidVantage statement said I was past due. It charged me for two minimum payments in XXXX. In no way was I past due, in fact, again, I overpay each month. I wrote several times and called once ( XX/XX/XXXX ) and hear that my account is in good standing and they don't know what happened. There was supposed to be an investigation and they would reach out. They didn't. They were supposed to fix the billings dates ( which I believe caused the issue ) but they haven't so far. They were supposed to reach out about that. But they didn't. Now I'm getting mail from the US Department of Education about my missed payment. This has to stop but I feel like I can't get traction. I fear this mistake will affect my credit record and my standing with the Department of Education, particularly if there ever is a forgiveness for accounts NOT past due. This needs to be corrected once and for all and cleared from my record. I want to ensure that the Department of Education is notified of the mistake and the credit bureaus are as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is charging me {$1400.00} for a service I never had and also I have several different names on my Experian credit file and several different address.
Product: Credit reporting or other personal consumer reports

I have discovered an account on my credit report that does not belong to me. This account is being reported in my name, which is a significant error
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it is illegal to report information on my credit report without permission/ 30 day notice. I was never notified of it going on my credit report, therefore it was illegal. I have copies of every statement and it was never told to me that they sent it to the credit report or would send it to the credit report therefore it is illegal that it was sent to the credit bureau.
Product: Debt collection

In XXXX of XXXX  I agreed to voluntarily surrender my truck back to Ford under the terms it would clear up the balance owed during Covid. The agent told me the equity in the truck would be enough to clear up my balance which was wrong, but I couldnt do anything to change it before they auctioned the truck. They misinformed me and this information was vital in my decision making to proceed with the XXXX. If I was counseled correctly even told to review my contract I wouldve just paid off my lease. I was concerned I would pay off my lease and I wouldnt be able to finance it cause thats what Ford told me. All these details are vitally Important when making decisions. They offered me Covid relief and I would assume they understood what they could do and advise their customers correctly as you are my point of contact. They then dragged me to court in XXXX. 3 years later for this debt they say I owe. When they called me in XXXX  to inform me of their mistake and now I needed to pay them I argued and hung up the phone and wrote a letter to them. I did not hear back. Then when I had the sheriff come to my door 2 and half years later I again disputed it. If anything they should give me my truck back and work out a deal with me but they arent even trying. Ford has not reported the wrong amount on my credit report per the settlement agreement we made in court which I cant afford to pay. This has jacked up my credit by this wrong Info and I cant even get a loan to even try to pay it. I called them after the fact and they tell me I cant talk to them but I need to call this debt collector in NY. This issue is a Maine issue not a NY issue. And their debt collector created a file but dont have any information on it. The lawyer they hired here in Maine didnt reach out to me at all before dragging me to court and I dont even owe the money. Completely violating my rights in so many ways between the the collection law in Maine and the XXXX law in Maine this is outrageous! They since because I keep disputing it with the credit bureau send them False info that keeps changing the amount and has really screwed up my credit now. I dispute it and they make it worse! What is wrong with these people? This should not be on my credit, and if you informed me correctly youd still have a happy customer paying his bill even tho the entire country went through a XXXX storm with Covid. For the last 2 years Ive been working hard paying all my debt and have done so. My current car loan for the last 2 years is paid on time. Yet I cant get a loan of any kind because Ive been told by everyone Ford shows this balance and they cant finance me or give me a loan. This is crazy. I would like Ford to work with me the right way. Help me get back into a XXXX like I had, trade in my car and Ill pay them payments on a loan. Completely reasonable. I cant afford to pay this debt they are claiming I owe after they took my truck and I dont even get to enjoy it. I want my truck back, and we can trade in my XXXX and help me get a truck. I already got one picked out with a local dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my XXXX XXXX tremendously..CFPB please step up and fix this ASAP 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 submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Mortgage

Called to pay my mortgage and found out on XXXX they were hacked
Product: Credit reporting 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. 

Account Name : XXXX BANK XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Debt collection

XX/XX/year> I received an email from XXXX stating that they had processed a wage garnishment order in the amount of {$1900.00}. XXXX provided me with the Portfolio Recovery Associates ( Law offices of XXXX XXXX XXXX XXXX XXXX XXXX contact information. I contacted the XXXX court via email, in which they advised me to contact Human Resources at work. After speaking to HR, I was told to contact Law offices of XXXX XXXX XXXX. I called the law offices and the secretary gave me the case manager 's name the first time I spoke to her Tuesday XX/XX/scrub>XXXX She asked if I wanted to leave the case manager a voicemail. I left him a voicemail requesting a call back for more information about this matter. Several days passed and I did not hear back from the case manager. XX/XX/year> I called the law office and spoke with the secretary. I requested to speak to the case manager, but she stated that he wasn't available. I asked her if she could look up my case because I need more information about this debt. She stated that she was not successful at searching the case, it was not showing up based on the information that I was given to by XXXX. I left the case manager another voicemail and I have not heard back from him.
Product: Debt collection

I signed up for a fitness program call XXXX XXXX XXXX XXXX  ACCOUNT XXXX. THE NATIONAL RECOVERY AGENCY IS ATTEMPTING TO MAKE ME PAY {$730.00} FOR A MEMEBERSHIP I EXPLAINED TO THEM THAT I COULD NOT LIFT MORE THAN 25 LBS AND THAT I SHOULD NOT HAVE TO PAY FOR A GYM MEMBERSHIP IF I COULDN'T PAY FOR IT TO BEGIN WITH. I RETURNED ALL OF THE DOCUMENTATION TO THEM WITHIN THE THREE DAYS OF THE PROGRAM. I VERBALLY STATEED THAT I COULD NOT LIFT MORE THAN 25 LBS THAT IT WAS TOO MUCH STRAIN ON MY SPINE AND STERNUM. 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: Mortgage

Arvest Mortgage once again illustrating how they bulldoze thru the legal system. I have been in foreclosure and have tried to do a loan modification 3 times because of circumstances beyond my meanings have failed. This one tops the cake I started modification with XXXX on XXXX of 2015 when Arvest Mortgage failed to pay the General Contractor for repairs to the house. The General Contractor put a LIEN on the property for failure of Payment for repairs, even doe they have their inspectors have given them 100 % of completion. Once again NOT allowing me to once again to try to keep my house. I have filed Chapter XXXX Bankruptcy to try to protect my self with no help at all from the Attorney General. I have made complaints of this to the XXXX Attorney General where Arvest Mortgage Bank does most of there business and XXXX XXXX XXXX Attorney General because I 'm a Florida resident. As a Citizen of the United States I have rights. I have done research and Arvest Mortgage has over XXXX complaints with CFPB. I hope that a Government Agency will take charge against this company doing wrongful actions against the People of the United States. XXXX XXXX XXXX has been found guilty for the same reasons as Arvest Mortgage on wrongfully foreclosing on homes. Arvest Mortgage is acting like they are above the Federal and Civil Laws. Arvest Mortgage company is like the XXXX and the XXXX just because they have the money and resources they denies and do as they wish.
Product: Vehicle loan or lease

National hit on XXXX and XXXX cars mines was XXXX XXXX times leaving me without a car but XXXX in debt. I dont think XXXX responsible due to National theft and debt sold to 3rd party
Product: Checking or savings account

M & T Bank has been freezing my account for the past XXXX weeks. I've spoken to several of their associates and every time everything stays the same. In order for me to use my XXXX XXXX to make a purchase, the bank has to approve it first. I have done everything they want me to do including, the opening of on-line banking ( which I did not want ) and a back to back fraud alert. Still, I can't use my debit card. I never had any issues with either The People 's Bank or M & T in concerns with fraud. Right now, I'm beside myself. Thank you