23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Fresno Credit Bureau XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)
Product: Credit reporting or other personal consumer reports

There were inquiries on my credit report that I did not authorize. I would like them removed within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct was fraudulently open in my name in XX/XX/XXXXThis occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX CARD AND TRANSUNION, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

US Department of Education The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX
Product: Mortgage

I have submitted additional payments to principal and every time there's a problem. The first time was on XX/XX/23 and XX/XX/23. When I submitted my monthly payment of {$1500.00}, I added an additional payment to principal of {$2000.00} for a total of {$3500.00}. I expected the website to indicate that the transaction was complete. When that didn't happen, I waited for an email. Since I didn't get one, I resubmitted the next day because I thought it didn't go through. I still received no response, but a couple days later, I noticed that both charges showed up on the website 's transaction history. I emailed them through their website but never got a response. I then called and asked them to apply all of the second payment of {$3500.00} to principal. I also asked for email confirmation but they said they aren't allowed to send confirmation via email and to check the website. When I checked, nothing had changed, so I called again. They had no record of my previous call so I asked them to do the same thing. They didn't do it again. Instead, they sent a refund of the whole amount. 
On XX/XX/23, I did a one-time payment of {$20000.00}. When the transaction went through, they had automatically added XXXX so they amount the took out was {$21000.00}. I assumed that meant they wouldn't take the auto payment on XX/XX/23, but they did. So, they double-charged me for the month of XXXX. I called and told them to apply the second payment to XXXX and then I turned off auto payment. When I logged in on XX/XX/XXXX, it said my payment was due. I called to see if they were going to cover it and XXXX they said there was no record of my previous conversation, so I went ahead and paid for XXXX so they couldn't try to charge me late fees. I now have 2 payments for the month of XXXX and it looks like they took out interest and escrow money from both of them.
Product: Debt collection

I have a accident on XXXX XX/XX/2019, and its small accident and we both parked the cars and called the police and filed the case ( report No.XXXX ) in XXXX, Arkansas. 
Since i dont have the insurance for at that time. i have pay myself, The insurance company of the other guy is USAA. 
After 3months on XX/XX/2019 i got a call from XXXX XXXX and they say that i have to pay XXXX . 
When i called the USAA about it they said the its XXXX $ .When i asked it about the claim they said that they have selled it to the XXXXXXXX XXXX and i have to speak with them. thay cant to anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is still not acknowledging they fault i need to get this complaint to the highest level of employee there, they are still reporting 2 open loans which thats not accurate, and a charge off but payments were made
Product: Mortgage

my mother passed away four years ago. I co- signed for her home in XXXX. I continued to pay the mortgage on her loan. I later had financial problems and was told by Seterus that i could get a modification loan. Then was told later that i did not qualifiy for a modification loan. The mortgage company then said i owed a lot of back payments. And they placed me in foreclose. Seterus did not allow me time to get the documents needed for a modification loan. When i tried to contact the lawyer that was handeling the lawsuit. i would not receive a call back. I had a letter sent to me saying withdrawal of counsel and entry of appearance of substituted counsel twice. Seterus took a payment from me in XXXX of XXXX and said they never did. I asked how much it would cost to reinstate the loan and they added so many thousands to my account that i do n't owe. Now they are going to auction off my home XXXX XXXX at XXXX unless i pay XXXX on XXXX XXXX XXXX. They have made mistakes and do n't want to fix them. Please do n't let them take my home.
Product: Credit reporting or other personal consumer reports

This is my second endeavor 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} 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 Balance : {$200.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} 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 Balance : {$200.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX inquiry was made on credit report on XX/XX/2018. I have no knowledge of this credit inquiry
Product: Credit reporting or other personal consumer reports

I have student loans through Sloan Servicing from Nelnet and they are reporting that my student loans were delinquent and closed and reopened through a fresh start program. This is causing there to be several late payments being reported on my credit report bringing down my score and affecting my ability to obtain a home mortgage at this time. I have contacted Nelnet at they refuse to correct the information stating that " no adjustment is needed ''. However Nelnet has been sued for inaccurately reporting information and failing to contact borrowers about repayment options. I never received any communications from Nelnet about my student loans being delinquent and have other student loans ( through other servicers ) that were deferred, in forbearance or in an IDR ( income driven repayment plan ). I believe Nelnet has failed to properly communicate with the borrower as I received communication from my other loan servicers in a deliberate attempt to negatively affect borrowers ability to obtain future loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor 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 XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Per the Family Education Protection Act, access of my personal and financial information is a severe breach of confidentiality and a severe threat to my person. This clear violation has resulted in compromised personal and financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute report # XXXX for XX/XX/19 Capital One Credit Card page 3 of 10 ND showing for the month of XXXX and payment was made on time. XXXX shows ( ND ) No Data as payment made.
Product: Credit reporting or other personal consumer reports

THESE ARE THE NAME OF INQUIRIES I DONT AUTHORIZE PLEASE REMOVE THEM MY REPORT TRANSUNION : 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 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 called XXXX XXXX XXXX to dipute credit card information that was incorrect on my credit report on XXXX 2017, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to Equifax to have account remove from credit. its has been more than 90 days and information is still listed
Product: Debt collection

This account was paid by the California state Victums fund. I was the victum of XXXX and was told by the doctor they where billing the fund. I have disputed the item and no proof sent to me it is a total scam but his collection agency who muscles XXXX
Product: Student loan

Ecmc is currently in my bankrupcy. Theyre reporting late payments & balance owed. This should not be reporting on my credit report. I filed a XXXX  XXXX XX/XX/2022. They will get their money it a five year plan.
Product: Mortgage

I started a loan application with supreme lending in XX/XX/XXXX. They offered me to lock my rate and I signed the paperwork on XX/XX/XXXX. The agent who had my file left the company and the new agent reached out to me after my locked rate expired and informed me that he will lock my rate on new high rate because my rate already expired. My friend who locked his rate with me in the same time was contacted by another agent in the same company who informed him that he can extend his locked rate for an extra fee which he did. I contacted supreme lending to ask for the same deal my friend got and they refused and said there is nothing like that and they cant extend my locked rate for extra fee. All what Im asking is to be treated like my friend.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Phoenix Financial Services LLC is saying I owe {$2300.00} when i already paid off my medical debt. I looked online and apparently they're known to send out fake debt collection letters and action has been taken against them. I want them to stop their harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the XXXX data breach I tried to freeze my credit with Transunion ( and the other credit bureaus as well ). I was able to find the link to complete the credit freeze process online several days ago but now Transunion appears to have hidden the ability to do this online. Now I am only able to find their pay credit monitoring service. This is not the same as freezing credit and I do not want their credit monitoring service, I want to freeze my credit. I called their 800 line but get disconnected when trying to complete the credit freeze process. 
I can only presume that Transunion is doing this on purpose in an effort to get people to purchase their credit monitoring service - something that is not at all equivalent to freezing credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against all XXXX credit bureaus of XXXX, XXXX, and Equifax for reporting incorrect information and incomplete information on my credit reports on said account of first premeir under account number XXXX that shows a high balance of XXXX. Account has been disputed with all XXXX bureaus and was verified as corrector accurate.A copy of the XXXX XXXX XXXX XXXX XXXX credit report is included so the account can be side by side by side so all errors and discrepancies can be verified. The said errors are : XXXX. XXXX reports no late XXXX, XXXX, or 90 days late. XXXX reports XXXX 30 days XXXX 60 days late and XXXX 90 days late. Then Equifax reports XXXX 30 days late, XXXX 60 days late XXXX 90 days late. No way was the consumer XXXX 90 days late. All differ and can't be clarified as correct and verified. XXXX. XXXX and Equifax report highest balance as XXXX. XXXX reports XXXX as highest balance. All can't be correct. XXXX. All three report different dates of last activity. XXXX shows XXXX as XXXX. XXXX reports XXXX as XXXX. Equifax shows XXXX as XXXX. All are different and all can't be correct. XXXX. Both XXXX and XXXX show date of last payment as XXXX. Equifax shows date of last payment as XXXX. All don't match. XXXX. Both XXXX and XXXX show credit limit as XXXX. Equifax shows credit limit as XXXX. XXXX. Date last verified is missing on both XXXX and Equifax reports. XXXX. Date closed is missing on both XXXX and Equifax reports. XXXX. XXXX report under dispute status says account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. XXXX report under Creditor 's Remarks says account is disputed. No dispute exist or pending and been concluded. Once dispute is over, XXXX is to immediately delete any codes or remarks for dispute. XXXX failed to delete dispute remarks/codes from account. XXXX. XXXX reports account not disputed under Dispute status. Contrary on same report under Creditor 's Remarks it says account disputed. Both differ and can't be correct. 11. XXXX report says account disputed. No dispute is pending and has been concluded. Once dispute is over, XXXX was obligated to remove all dispute remarks or codes from account which was neglected to be done. 12. Equifax report shows account disputed under Dispute status and under Creditor 's Remarks. No dispute exist or is pending and has been concluded. Once dispute is over Equifax was obligated to remove all remarks or codes pertaining to dispute and failed to do so. All errors should result in deletion of this account.
Product: Credit reporting or other personal consumer reports

Approx XX/XX/XXXX, I received emails with denials for an application of credit for a vehicle or refinancing a vehicle. One after another they kept coming. I had not applied for credit, so this throw a red flag. Then I start receiving letters for the denial seeing my credit score falls below XXXX based on these inquiries and denials. So, I called Exeter first, they told me they had an credit application for financing or refinancing, whoever they informed me that they received my information from XXXX XXXX XXXX, not knowing why when I have never given them either permission to nor have I applied for anything dealing with a vehicle or refinancing. Both companies pushed the blame on each other and then finally said they received the information from XXXXXXXX XXXX, which I never gave them either permission or authorization to run or share my credit information and adverse effect my credit score. XXXX XXXX was not willing to provide me any information on how they received my approval to run my credit and why it was shared with Exeter, XXXX XXXX XXXX XXXX XXXX without my knowledge. I spoke with a Rep at XXXX XXXX who was passing on my request or email with the application of this alleged credit application, she said her supervisor 's name was XXXX was going to be the one to provide a email with that requested proof of an application as of XX/XX/XXXX XXXX I still have not received anything from XXXX XXXX Exeter XXXX XXXX XXXX XXXX XXXX XXXX XXXX giving them approval to access my credit file. They all seem to point to finger at XXXX XXXX who I never gave permission to access my personal information and if so please provide that proof, this is a pure sign of fraud and I would like ALL credit inquiries from each of the companies that illegally obtain my credit information to be REMOVED from ALL three credit reporting agencies.
Product: Credit card

One day a guy asked for my info pretending to be a rep attorney for the treasure of the arrest something like that and didnt send info two days later another person is messaging me and its asking for {$50.00} of my money for a gift card its saying that its a lawyer rep for the samthing thing and its threating me with arrest
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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX, has violated my rights. 

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

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