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

I have been attempting to clean my credit report for the last 5 years. One of the issues that I am continuously running to is accessing information from Equifax. 

My deceased grandmother & myself share the same name with different middle initials. We also shared the same permanent address for many years. This has always been an issue & I began using my middle initial on all signed documents. 

What has occurred is Equifax has combined our information. They have my birth date on file, what I believe is her social security number & a last name ( XXXX ) which she used ; this was never legally her name. 

I have faxed as well as mailed Equifax a copy of my birth certificate, social security card & my tax return with no communication of a resolution to fix this issue.
Product: Vehicle loan or lease

To Whom It May Concern, Good morning, writing today and before presenting my actions, thank you for allowing me to do so. On XX/XX/XXXX I visited my XXXX XXXX Dealership to purchase a new XXXX XXXX XXXX, this vehicle is similar to my XXXX XXXX XXXX. Due to my multiple job losses ( not my fault in my opinion ) my vehicle I was repossessed and now I am left owing the bank balance. Here are the two main companies I worked for at the time of my car being repossessed .On both jobs there was a miscommunication with XXXX XXXX woman, and here are the explanations for both reasons. At XXXX XXXX XXXX XXXX  a woman complained about children 's behavior during a rainy day schedule at recesses at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX. I served as a XXXX XXXX at that time ( XXXX XXXX XXXX ) and it was employed and as a sales clerk at the XXXX XXXX XXXX XXXX. This time was between XX/XX/XXXX to XX/XX/XXXX. At the XXXX XXXX XXXX XXXX a woman ( Lead Sales Clerk ) complained about having work done, my work wasn't completed due to the short staff. A woman worked that was hired around the same time as I left before I was terminated ( she worked nearby at the N.A.S.A. facility I believe ). Being a XXXX ( XXXX. XXXX XXXX ) working for the XXXX XXXX XXXX XXXX is a privileged position in my opinion and I took losing my job seriously. Also, I CURRENTLY receive socials security benefits and working the jobs ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) I mentioned earlier helped me COULD HAVE stop receiving social security benefits. 


Sincerely, Writer XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : 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

I am making this complaint because your company keeps claiming that my letters that I keep sending directly to you by mail were are being sent by a third party or someone other than me. That is not the case. I, XXXX XXXX, am the one making this complaint.

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate this alleged debt. This alleged debt is not mine. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of this invalidated and inaccurate account below. Therefore, if your company continues to report this invalidated and inaccurate account you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 


XXXX XXXX XXXX Account # : XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. Pursuant to 15 USC 1681b, you can not report anything to my consumer report without my written consent. By law you have 30 days to provide me with this proof or this inaccurate and invalidated account must be removed from my report. Failure to provide me with the requested proof of the signed consent that I allegedly gave to your company within the 30 day period, will require me to follow up with whatever action necessary, as your company is in violation of my rights under the FCRA and the FDCPA and your company will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n and the Fair Debt Collections Practices Act, 15 USC 1692k.

I have provided all of my personal documents, MY LICENSE AND PROOF OF ADDRESS that will be needed to process this complaint and locate me in your system.

Please send me an updated copy of my credit report showing the deletion of this inaccurate account.
Product: Mortgage

We paid our loan in full on XXXX XX/XX/2020. On XXXX XX/XX/2020 I called to inquire about disbursement of the funds in both the Escrow account and the Buydown account as I had not received either, to which Dovenmuehle could not locate nor seem to understand our buydown account and after 25 minutes on hold the account was located and confirmed to have not been disbursed. I had to request that the account be refunded ( which is a problem in itself ) to which I was told it would take 21 business days. After 21 business days ( XXXX XX/XX/2020 XXXX the account was flagged as needing to be reviewed by the Special Funds department and as of today, XXXX XX/XX/2020, the funds in the buydown account have not been released by Dovenmuehle Mortgage, nor can the Special Funds department be contacted directly by the customer. I have called Customer Service six times over the last two months about this issue. The buydown account has over {$1700.00} in it.
Product: Debt collection

My personal information was compromised during the XXXX Data Breach, as confirmed by the FTC Identity Theft Report
Product: Mortgage

They sent me a check for overage in escrow of {$250.00} and wanted to increase my loan payment XXXX plus increase my interest {$3.00} plus on my mortgage payment. I voided out the overage check and sent it back to them along with and addition {$71.00}. for escrow and the supportively the shortages they created and mailed them to them. They are now saying I have to pay the increase because if I don't they will not credit my mortgage and I will be in default of the mortgage. Mortgages in the past I have always paid up front supportive shortages and the payment and interest stays the same. They now have an addition {$71.00} in supportively shortage and the check I voided and mailed back to them. When I asked to speak to the escrow department They said they didn't have one and if I did not pay the increase of {$1200.00} from {$1200.00}. The reason I pay my supposed shortage is so that my mortgage payment does not increase whereas I am retired and live on a fix income and I do not want to pay addition interest when I can pay it all up front.
Product: Mortgage

I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my account. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : JPMCB HOME XXXX, Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {XXXX} / XX/XX/2022 XXXX / {XXXX} / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX credit bureaus drop my credit score XXXX points because a credit card was removed from my account. When we pay stuff off and take it off our credit report that means that we did something good we got something on credit we paid it off and it was good. We should not be penalized for that. this credit system in America is set up to keep you broke and is set up to make you have to have a credit score and then youre judged and rated on that credit score for any future purposes, whether its a financial purpose, a job purpose to get a home or anything. This whole system is a scam and has been taken advantage of. When I see XXXX XXXX that says they can raise my credit score XXXX points in XXXX days because I have my paycheck sent to them and save {$10.00} a month into their savings account. This is proof that our credit score is being taken advantage of. The manipulation of the credit system is out of hand and needs to stop now I need to hear from somebody and fixes need to be made immediately or I will go nationwide with this, and I will bring it to everybodys attention!
Product: Credit card or prepaid card

First National Bank of Omaha acquired an account from XXXX XXXX XXXXXXXX. I was unable to make a payment to XXXX XXXX XXXXXXXX XXXX XX/XX/2022 because of the acquisition. I have not received a card or a statement from XXXX regarding a payment due XX/XX/2022 and had no account information and so could not proactively make a payment. My first official contact with them was the following statement indicating a late payment and penalty. I am currently on hold with them trying to address the issue.
Product: Credit card or prepaid card

I believe that HSBC is using deceptive practices on credit cards. I got the notification that my statement was available. I attempted to set up my payment as I normally do, online. However, it no longer allowed me the option. I used the chat function and learned they had placed a block on my card for reasons unknown and in doing so, also blocked my ability to even make my payment which will in turn cause damage to my credit. I was instructed to call the 24/7 help line and was told they couldn't even look up my account because it was after midnight at their location. I feel like they are placing unwarranted blocks on cards to prevent people from being allowed to make a payment so that they can charge additional fees.
Product: Credit card

I scheduled a payment to be made on a bank account that had been closed by mistake on XX/XX/XXXX. I kept checking the account that I thought I had made the payment from and did not see the transaction. I received an email on XX/XX/XXXX stating that the payment had not processed. I called on XX/XX/XXXX and corrected the problem immediately, paid the balance in full as I always did in the past, and asked the agent if he would please ensure that the bank would not attempt to process the payment on the closed account any more. He assured me that he had taken care of that issue, that everything on the account was now up-to-date, and that everything was fine. Later that same day, the bank again attempted to process the payment, even though the account had been brought current, and the payment had been made. On XX/XX/XXXX the bank again attempted to process the same payment with the same result, resulting in the appearance that there were XXXX returned payments. Unknowing to me, the bank closed my account stating that I had XXXX or more returned checks within 6 months. I attempted to make a purchase from this merchant prior to knowing that the account had been closed. The merchant attempted to charge their own account, knowing that they had closed the account, twice on XX/XX/XXXX, three times on XX/XX/XXXX, once on XX/XX/XXXX, and once on XX/XX/XXXX. I did attempt to contact an XXXX  XXXX to file the complaint, however, she never acknowledged or responded to my concern.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed my Transunion Credit Report and noticed one unauthorized inquiry that has violated my rights to privacy and has absolutely no permissible purpose according to the FCRA. I would like the following unauthorized inquiry immediately deleted from my report : XXXX XX/XX/XXXX as I have not applied for anything concerning this business nor do I know who they are. I have also never given this establishment the permissible purpose to pull any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my report from XXXX on XX/2015 that I do not recognize nor did I authorize.
Product: Credit card or prepaid card

Borrower is XXXX XXXX XXXX XXXX XXXX ( PRA ) is refusing to respond to us, will not answer the phone, will not return phone calls, and will not respond via email. 

We are trying to clear a lien that clouds title on a property that went through a Chapter XXXX BK. Since XX/XX/XXXX we have called multiple times a day, left voicemails, emailed several times, and even tried to get a supervisor in that department on the phone. PRA will not answer their phone, will not return phone calls, and will not respond via email. 

I need a response from them or this file will go to foreclosure.
Product: Checking or savings account

I have been a victim of identity theft and it has been an absolute nightmare, mostly because of the big banks that I entrusted with my money! I sent BOA the police reports and FTC report as well as sending the arrest records and surveillance footage of the crime taking place and they still denied my claims without giving me any valid reason why. They gave no documentation to prove anything of the contrary. They simply said they were authorized transactions! I DID NOT authorize these transactions and theres no reason why they are saying this
Product: Debt collection

I never received a notice that I owed this debt. I only found out when I went to purchase a home recently. When I reached out to XXXX, I was told that they sold the account to a third party collection agency by the name of XXXX XXXX but also does business as Transworld Systems or TSI. 
* When I called TSI at XXXX I was informed that they do not have any account in my name or under my SSN. TSI is currently not on my credit report but XXXX XXXX  is. After hearing this, on XXXX I sent in a dispute to the credit bureaus by certified mail requesting an investigation of these accounts. The disputes were received on XXXX and the tracking numbers are below. 
* XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX * According to the FC

RA 615 - 15 U.S.C. 1681m ( 2 ) ( ii ) upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request. * By the submission of this request, it has been more than 30 days and : * According to the FCRA 623 - 15 U.S.C. 1681s-2 ( b ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information * The time has passed and this information must be deleted. For more information please see your blog entry on XXXX which references XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX XXXX. ). 
* https : //www.consumerfinance.gov/about-us/blog/the-law-requires-companies-to-delete-disputed-unverified-information-from-consumer-reports/ * Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the XXXX credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.
Product: Debt collection

I am filing a formal complaint regarding the egregious failure of multiple creditors to validate a disputed debt of {$2200.00}, in blatant violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I meticulously followed FCRA procedures by directly disputing this account on my credit report with the creditor ( s ). Each dispute included a detailed request for verification, demanding proof of the debt 's legal origin, confirmation it wasn't disputed due to faulty products, and documentation that it wasn't claimed as a tax deduction or insurance loss. Despite these repeated and well-founded attempts, the creditor ( s ) have exhibited a complete disregard for their legal obligations, failing to provide any response or communication regarding validation.

This utter lack of response from the creditor ( s ) constitutes a serious breach of my rights under the FCRA and raises significant concerns about the accuracy of the reported information. The presence of an unverified {$2200.00} debt on my credit report can inflict substantial harm, negatively impacting my ability to secure loans, housing, and other essential financial services. 

I demand that the CFPB conduct a swift and thorough investigation into this matter. It is imperative to ensure the creditor ( XXXX ) comply with FCRA regulations regarding debt validation. Furthermore, I request the immediate removal of this potentially inaccurate information from my credit reports. If the creditor ( s ) continue their blatant disregard for the law and fail to provide proper validation after this complaint, I will be forced to explore all available legal options to ensure my rights are protected and to hold them accountable for their violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX MACYS with Account XXXX and a balance of {$5500.00}. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I visited the office of XXXX XXXX on XXXX XXXX, XXXX for medical check up. At the time of visit, I paid my copay, gave a copy of my health insurance and driver 's licence. On XXXX XXXX, XXXX, Capital Accounts LLC reported open collections of {$530.00} on my SSN to credit reporting agencies. I have never received any communications from either XXXX or Capital Accounts LLC explaining the charges or any notices before sending the account to collections. When I contacted XXXX office, they told me that I have around {$100.00} in balances not covered by my insurance. When I contacted Capital Accounts LLC, they told me that they had sent a letter about this debt to in XXXX. When I asked for information on that communication, I found that they had sent the letter to a person with wrong name and wrong address. Irrespective of them failing to communicate properly to me, they have placed five times more than the balance that I owe in collections. First of all, I do n't even agree with the actual medical bill as I have n't seen the charges are yet. I have never had a late payment, unpaid balance or collections in my entire credit history. This wrong collection has affected my credit score and history and has put me under immense XXXX. When I contacted Capital Accounts LLC, the representative was very rude and threatened me that I have no other options except to pay the debt and get it out of my credit report.
Product: Student loan

hello i need know loan student we not affrobale pay back ssa lose and job suspended my healthy issues XXXX  XXXX i was temp leave til struggle calm down please wavier loan and left wavier please