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

I have consistently disputed the inaccuracies in the provided information with Experian, and XXXX ; regrettably, the matter remains unresolved to date. 

Experian XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XX/XX/year> XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( XXXX ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX NM XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX NM XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report
Product: Debt collection

Screaming at my Manager and sharing informationCalled them names and Hangup every time, Calling my family members and asking for me saying is about credit debt
Product: Credit reporting, credit repair services, or other personal consumer reports

For a few months, XXXX has not been reporting my active mortgage with Mr. Cooper as the servicer of my mortgage. I've contacted Mr. Cooper, and they claim that they have taken up the matter with XXXX and that it is XXXX 's policy to delete these matters at will ( a charge that XXXX has denied having ). XXXX states that any file is only deleted upon the creditor 's request. 

Please see the attached response from Mr. Cooper. 

Nevertheless, I need assistance in this matter since the absence of my mortgage listing on XXXX is causing me a lower credit rating. Furthermore, this delay is preventing me from purchasing a new car.
Product: Credit reporting or other personal consumer reports

Please see the following timeline : XX/XX/XXXX : I received a letter from XXXX in response to my dispute with Experian which included an Identity Theft affidavit for me to complete and send back for processing. ( See exhibit XXXX ). This was completed and sent back to XXXX. XXXX required the affidavit to be notarized at my expense for which I did pay. As of the date of this letter, I still have not received any follow-up regarding this review. 

XX/XX/XXXX XXXX : Due to the response that XXXX  submitted to Experian regarding the dispute, I submitted a Request For Debt Verification letter to Resurgent on XX/XX/XXXX which they received on XX/XX/XXXX ( See exhibit XXXX ). 

XX/XX/XXXX : I received a letter from XXXX advising that they have initiated a review. ( See exhibit XXXX ) XX/XX/XXXX : I received two separate letters from XXXX stating that an account summary was enclosed which was their response to my request for Debt Verification. On both letters they enclosed the account statements from XXXX and XXXX that provided no information that satisfies my request to verify the debt. There is no information provided to show how the account was opened or what documentation was provided to authenticate the identity of the unknown individual opening the account. On the same day, I submitted another letter to XXXX stating that the documentation that they provided does not satisfy my request and therefore the matter is not resolved. This letter was received XX/XX/XXXX ( See exhibit XXXX ). 

XX/XX/XXXX : I received four letters from XXXX. The first letter just stated that a review had been initiated, which is the same letter that was already sent previously. The second letter was another request to complete the same Identity Theft affidavit that was already completed and notarized from XX/XX/XXXX. The third letter again was a duplicate response which enclosed the same account statements from XXXX and XXXX. The fourth letter was a collection letter requesting payment. 

In summary, I disputed a derogatory reporting with Experian in which a response was given by XXXX that the reporting was valid. In response, I submitted to XXXX a request for XXXX XXXX in which they provided copies of two account statements from the fraudulent account from XXXX and XXXX. There was no information provided to me that reflected any investigation on how the account was opened nor what documentation was submitted. XXXX did provide me with an ID Theft affidavit requesting for me to complete, notarize, and return which I did. However, there has been no response or follow-up from XXXX regarding what was done with that document. The last correspondence that I received from XXXX was a request for payment. I am seeking assistance with getting this file removed from all credit bureaus. 
A police report with file with the XXXX Police Department on XX/XX/XXXX. The report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX XXXX XXXXXXXX XX/XX/2021 {$1600.00} XXXX XX/XX/2021 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes 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 has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Due to medical and financial hardships and losing work during the pandemic, I fell further behind in my mortgage with my former lender XXXX XXXX I was on a foreberance plan and my first payment after the foreberance was going to be {$2400.00}, due XX/XX/2022. In XX/XX/2022, I began getting strange letters from a company called Selene Finance saying they were now my mortgage company. I received letters from Selene almost weekly with different instructions, information, etc. I called and spoke to a Selene Financial representative and asked for the meaning of the letters I received, I was told this company was now the mortgage company I should pay my mortgage to. them. I was about to make my first payment for XX/XX/2022 to Selene, and then I started receiving letters saying I had to pay {$3300.00} ( approx ) Selene also raised my interest rate, and the principal balance. I tried consistently and over and over again with various representatives sending my agreement/forbearance/modification with XXXX and although all the representatives I spoke to said Selene would honor my work out with XXXX, they did not. Selene told me to apply for a modification with them, and when I did, they came back with again a higher interest rate, higher principle balance and a monthly payment in the amount of {$4200.00}. Selene has not honored my terms with XXXX, I have no explanation as to why, they will not honor my terms from XXXX and how can they change my interest rate? Selene Finance seems like a mortgage company that is not reputable nor do they care about the transferred/sold clients they have in their portfolio. 

Have tried to load supporting documents keep saying file too large.
Product: Checking or savings account

XXXX XXXX has stated that I received refund/stipend checks in excess of $ 49K in addition to the cost of attendance, which also include refund checks in that amount. I do n't feel this is correct and I need assistance with obtaining all checks I cashed from XXXX XXXX during XXXX-XXXX. 

I do not have an account with Suntrust. I cashed the checks from XXXX XXXX because this was the name on the refund checks they mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}. 
If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : XXXX XXXXXXXX XXXX aka XXXXXXXX XXXX  Current owner of Debt : XXXX XXXX XXXX XXXX owed as reported : {$300.00} XX/XX/2022 : I received an email from XXXX XXXX XXXX XXXX informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by XXXXXXXX XXXX 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, XXXX XXXX charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact XXXX regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by XXXX strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX
Product: Debt collection

Im not sure which credit card sold my information to a third party collection agency. I am XXXX with mental and physical XXXX. I came upon some info on my credit report but no listing of where it came from. I see it was midland credit management. I called to figure out whats going on and the representative told me I should try to resolve this debt before legal action is taken. However I told him I am indigent and XXXX. I was calling to figure out a plan but thats not how you address customers especially when I dont know who sold you the debt. I never gave ANY credit card agency permission to sell my debt. Who do third party agency think they are to threaten people with lawsuits? XXXX sick people who need the help most. The credit card company who I still dont know because they have not told me had no right to sell my information to anyone. I am sick my health was down and I can not work. Who do they think they are to close my account after years and sell the info. Disgusting.
Product: Debt collection

Portfolio Recovery Associates has Reported 3 different dates of last activity on this debt in an attempt to re-age this account XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX There is also no date of last payment listed on this account and the original creditor does not state that this account has been sold or transferred. 

Portfolio Recovery Associates also has this debt listed under 2 different names/ Account numbers on my credit report. 
Portfolio Recovery Associates has pulled my credit report on numerous occasions in an attempt to further lower my credit score. 

There are also late payments on on this Collection account and Portfolio Recovery Associates has made it seem like Ive made payments towards this debt when I havent, the original balance was {$3200.00} now the balance is {$3200.00}.
Product: Credit card or prepaid card

onXX/XX/XXXX I noticed 2 charges for XXXX which I did not make. I contacted XXXX and they indicated they were accounts with my credit card attached to it and my shipping address but not my accounts. I received the product ( which I did not order, a toy and a hose ) XXXX advised I can not return because I did not order the items. They told me to file a fraud complaint with Bank of America. I did the same day and they cancelled and reissued my card. Since that time I learned that Bank of America reversed the charges back to me because they had proof of receipt. Of course they did! I have the products, I am holding them but I am UNABLE to return because I did not order them. I refiled it as fraud and have been left with a past due balance since. This is a problem as I have a credit score of XXXX and am in the midst of purchasing a home. I sent a letter on XXXX to Bank of America Fraud dept, again, reiterating that this is FRAUD. I also sent them copies of all orders on mine and my husbands accounts which shows that we did not purchase these items. Both companies, Bank of America and XXXX have not resolved this issue and are leaving my credit at risk.
Product: Money transfer, virtual currency, or money service

Hello, so this not about a specific company per say, but an individual who claims they can give you more money than what you paid ( ie pay {$100.00} and get {$500.00} ). I paid him over XXXX with my Wells Fargo account with 4 separate payments of {$200.00}, {$100.00}, and {$200.00}, on XX/XX/2020 and {$250.00} on XX/XX/2020. Not only did he promise me immediate results ( how Id be able to get {$4000.00} by only paying {$300.00} ) he kept making me pay more and more under the guise that Id get my money back. He never gave me my money back and said he couldnt and never gave me anything at all. His XXXX is XXXX ( I also have many more screenshots of the conversation if needed )
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my XXXX  report an inquiry that I did not authorize from XXXX XXXX, XXXX XXXX Dated XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the XXXX XXXX attempts to correct the late opening of my account and removal of public record with Credit Bureaus. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a XXXX resolution to such matters. 

I kindly request the following actions : XXXX investigation into the root cause of the issue. 
XXXX communication regarding the steps being taken to resolve the problem. 
XXXX that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. 
I appreciate your prompt attention to this matter and expect a resolution within the specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. 

I am asking for your assistance to correct these late open accounts and remove the public record in my credit file : XXXX XXXXXXXX XXXX Balance Owed : XXXX  - I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : XXXX - The presence of a XXXX late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an credit card account with XXXX  XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX, XXXX and Equifax, 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX, XXXX, and Equifax are reporting personal information on my correct report. 
Here is a list of the incorrect addresses, please remove them : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX The only address that should be listed is shown on this complaint. I also would like for you to correct the spelling of my name. There should not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect name spellings : [ XXXX XXXX ] Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. Thank you!
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX, from XXXX XXXX XXXX on XXXX XXXX  XXXX  @ XXXX, XXXX, TX, the salesman acquired a {$12000.00} loan through Exeter Finance, LLC. with a 24.1 % interest rate. The interest rate was not  explained to me ; however, I told the salesman I had {$1000.00} for a down payment and I did not want my car note to be more than {$350.00}. My credit was fair, so I did not expect to get taken advantage of. The salesman even told me I could bring the vehicle back to XXXX XXXXXXXX and trade it in after 6 months. I attempted to trade the vehicle recently only to be told I still owe XXXX, XXXX on the vehicle, which is valued at approximately {$4000.00}. I have been paying on this vehicle for over 3 years, I even made additional payments which were supposed to be going to the principle of the loan only to discover it went to the interest. I believe this was a fraudulent loan and the salesman must have received additional money for getting me to accept that high interest rate. What happen to me was extremely unethical at the least. Things are hard enough due to the COVID-19 pandemic, then to discover I been ripped off really stressed me out.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company and I am addressing the inaccuracies on my Credit Report. The payment history of XXXXXXXX with account number XXXX is reported as late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.