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

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Investigation of Missing or Inaccurate Lien Information To Whom It May Concern, I am writing to request an investigation into my credit report regarding the absence or inaccuracy of lien information that I believe should be included. According to my records, the following lien ( s ) are either not reflected in my credit report or reported inaccurately : 1. Lien Description : Debtor : XXXX XXXX Secured Party : XXXX XXXX XXXX XXXX File Number : XXXX, filed on XX/XX/XXXX Collateral : XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) ( Collateral released ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) 2. Additional Details : The lien should reflect the partial release of collateral concerning the XXXX  XXXX XXXX XXXX XXXX The secured party retains interest in the remaining collateral listed above. The original financing statement, as well as the security agreement, states that this lien is governed under the laws of the State of California and the Uniform Commercial Code ( UCC ). 



Summary of the Promissory Note 1. Parties Involved : Borrower : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX : Principal Amount : {$10000.00} XXXX XXXX : None ( 0 % ) XXXX. Payment Schedule : First Payment : {$3300.00} due on XX/XX/XXXX Second Payment : {$3300.00} due on XX/XX/XXXX Final Payment : {$3300.00} due on XX/XX/XXXX XXXX. Collateral : XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) 5. Default Provisions : If a payment is missed, the Lender can seize the collateral and accelerate the remaining loan balance.

6. Credit Reporting : Timely payments will be reported to the major credit bureaus.

7. Governing Law : Governed by the laws of California and the UCC.

8. Entire Agreement : This Promissory Note constitutes the entire agreement between the Borrower and Lender regarding the secured transaction.

The inclusion of accurate lien information is crucial for accurately reflecting my financial obligations and responsibilities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is complete and accurate.

I kindly request that you conduct a thorough investigation into this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. I appreciate your prompt attention to this matter and look forward to your response. 

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

This is my several endeavors 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. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX, XXXX XXXX Balance : {$8300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTED WITH XXXX BACK IN XXXX OF 2019 WITH SEVERAL AUTO LOANS THAT WERE TAKEN OUT IN MY NAME WITH FORD CREDIT, THE FRAUD REP WITH XXXX SAID HE'LL REMOVE AND BACK THE ACCOUNTS AND IF THE BANK THINKS THE INFORMATION IS CORRECT THEY ONKY HAVE 30 DAYS FROM WHEN THE ACCOUNT IS BLOCKED. NOW 5 MO LATER XXXX  REMOVES THE BLOCK AND PLACES THE ACCOUNTS BACK ON MY CREDIT FILE AND HAS POLICE REPORTS ON FILE VERIFIED AND FTC REPORT VERIFIED AND COURT DOCUMENTS VERIFIED AND NOW THEY SAY THERE NOT VERIFIED AND THERE FAKE, WELL IF THATS THE CASE LOCK ME UP! NOT ONE DOCUMENT IS FAKE AND XXXX  CLEARLY TOOK FORD MOTOR CREDITS SIDE, THE FRAUD REP I TALK TO ON XX/XX/2019 WITH XXXX   FRAUD DEPARTMENT STATED, FORD IS A BIG DATA ACCOUNT FOR US AND WE DON'T WANT TO DO ANYTHING TO MAKE THEM MAD. SO THEY RATHER MAKE ME LOSS EVERYTHING I OWN AND WORKED HARD FOR JUST TO MAKE FORD CREDIT HAPPY. THE XXXX  FRAUD DEPARTMENT ALSO SAID CLEARLY THIS ACCOUNT IS FRAUD AND YOU HAVE ALL YOUR DOCUMENTS IN ORDER BUT WE JUST CANT HELP YOU ANY MORE. I HAVE A XXXX XXXX IN XXXX  XXXX  AND WORKED FOR XXXX CONSUMER AFFAIRS  AND XXXX   CONSUMER AFFAIRS AND KNOW WHAT THE FAIR REPORTING ACT IS AND XXXX  DOES'NT. I'VE ALREADY CONTACTED MY LEGAL TEAM TO FILE SUIT AGAINST THEM FOR DISCRIMIATON.
Product: Mortgage

Mortgage Loan Processor NMLS # XXXX XXXX XXXX and Closing AttorneyXXXX XXXX XXXX failed to return {$1100.00} Seller Credit ( XXXX ) + {$4800.00} ( MI Premium-Never applied to loan and was not required-Conventional Loan ). {$1000.00} Earnest Money Check not applied to Loan Balance of $ XXXX Total {$7000.00}. 
Mortgage @ $ XXXX {$180000.00}. Borrower brought {$25000.00} to Closing Table in Closing Cost ( s ) in Loan document submitted by Loan Processor. The amount of XXXX was added into the loan amount = {$190000.00}. = {$210000.00}. Docs to be presented from the Loan officers calculations ( copy ) -and the fraudulent calculations of the Closing Atty of the Up Front MIP payment which has not been applied in this loan and again, was not requested in Conventional Loan process. New American Rep stated that the {$4800.00} was reflected in loan as other costs, which the Closing Atty and in cooperation with the loan officer overcharged in Closing Cost ( s ), which I opted out to pay, but was still included to reflect the Other Cost ( s ) and unrequired and un-asked for closing cost ( s ). There is no payment in this loan for MIP Insurance. Documents presented upon request.
Product: Debt collection

Hunter Warfield Inc is trying to collect money from me for an apartment complex in a state I've never lived in, with a name that is not mine, but is attached to my credit report. I have talked to the apartment complex where the debt originates, they confirm that my birthday does not match the person who they are trying to collect from. I've contacted the collection agency, they said my social security number does not match the person who this debt belongs to. I've done a dispute on my credit report and this still hasn't been removed. 

Account NameHUNTER WARFIELD Account XXXX Account TypeCollection ResponsibilityJoint with XXXX XXXX XXXX Date XXXX StatusCollection account. {$510.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX Balance {$510.00} Balance XXXX Recent Payment- Monthly Payment- Original Balance {$320.00} Highest Balance- Terms1 Months On Record XXXX XXXX
Product: Mortgage

The mortgage was fully paid and settled by XXXX XXXX XXXX as part of the Closing disclosure on the XX/XX/XXXX. Chase Bank continued to activate my auto pay instructions with XXXX XXXX and submitted monthly installment request on XX/XX/XXXX and XX/XX/XXXX. As I maintain this account exclusively for rental transactions, I did not have sufficient funds and the bank returned payment request unpaid on both occasions and charged me {$36.00} on each occasion. I called Chase Bank on the XX/XX/XXXX and informed them about this and stop sending payment request with immediate effect. Despite, they have sent the request for the second time on the XX/XX/XXXX. I have sent the attached letter to the Bank via fax number given to me. This will affect my credit and I wanted them to remedy this as well. I am sending this complaint to you with a request to let the public know that the bank will continue to send payment request despite closing the account. Thanks for your prompt action. Best regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian to inform them my banking information reflected under billing was not entered by me. I explained to them after being transferred 6 times I have not initiated adding my banking info nor granted them permission. I spoke with supervisor by the name of XXXX and was told that I will need to read the terms and conditions which should state payment information could not be deleted off the site by customer nor Experian. I then requested a copy of the terms and conditions acknowledging I understood the terms and conditions and he stated they do not have any copies. I am attaching the phone conversation and documentation of information for billing. My banking credentials need to be removed.
Product: Credit reporting or other personal consumer reports

I have made several attempts in requesting help from Experian in regards to two collection accounts on my credit report. XXXX XXXX is the owner of these alleged accounts and they have only supplied proof of these debts existence in the form of " printed-out '' statements and bills, although i have requested legal proof such as a contract, promissory note or agreement bearing my signature .I have submitted all documents to Experian supporting my dispute and they have failed to respond. Experian has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing XXXX XXXX to continue to report negative, inaccurate information that they have not proven to be legally mine.
Product: Credit reporting or other personal consumer reports

This student loan account is being reported incorrectly and has been unlawfully re-aged. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ( a ) ), negative accounts can only remain on a credit report for 7 years from the date of first delinquency ( DOFD ). However, this loan has been re-aged by changing the delinquency date, making it appear newer than it actually is. 

Additionally, this loan may have been forgiven under the Borrower Defense to Repayment Program, but the servicer has failed to update the status correctly.

I am requesting the following : Immediate correction of the delinquency date to reflect the original Date of First Delinquency. 
Removal of this account from my credit report if it has exceeded the 7-year reporting period.

Proper reporting if this loan has been forgiven under Borrower Defense. 
Please investigate and correct this in compliance with the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding an account with XXXX XXXX, referenced by account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute inaccurate information that appears on my credit report. 

The account in question does not belong to me. I have never opened or been a member of XXXX XXXX, nor have I authorized anyone to open an account on my behalf. The account is associated with a XXXX XXXX XXXX New York area code number, and I have never lived in or visited New York XXXX I received a letter regarding this account at my mailing address, which I am also unaware of and a violation of my rights I have attached pictures with the phone number and account number XXXX to track payments and what banks make them to the number I provide about to find the person responsible. I have no credit/debit card link to any payment or service to that number or account mentioned above. This may be a case of mistaken identity or fraud. I urge you to investigate thoroughly and locate the person responsible for this account. 

Following FCRA regulations, I request a thorough investigation into this matter. Please provide me with documentation verifying the authenticity of this account, including any contracts or agreements bearing my signature. If you can not provide such documentation, I expect this account to be removed from my credit report. 

Please confirm receipt of this dispute and inform me of the outcome of your investigation. I expect to hear from you within the XXXX time frame mandated by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Account Name : Hyundai Motor Finance Account Number : XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, The item on my credit report has turned into a charge off but I noticed you never sent me a XXXX would you be so kind to send me a XXXX for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it as you know I have gone through a serious financial hardship, and this would help me with my credit in the future. 

Thank you so much, XXXX XXXX
Product: Credit reporting

I HAVE BEEN MADE AWARE THAT SS # XXXX HAS BEEN REPORTED UNDER MY NAME AS WELL DOB WITH : EQUIFAX AND MAYBE THE OTHER CREDIT AGENCY AS WELL. 

I NEED TO GET THIS RESOLVED ASAP AND HAVE IT REMOVED OFF MY CREDIT REPORT. 

I HAVE ATTACHED MY XXXX I USED FROM XXXX RIGHT OUT OF HIGH GRAD. UNTIL XXXX. 

I HAVE ATTACHED MY SS # CARD I USED SINCE XXXX WHEN IT WAS ISSUED BY THE SSA OFFICE. 

MY TAX RETURNS FILED FROM XXXX USED XXXX. 
MY TAX RETURNS FILED FROM XXXX USED MY SS #.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to XXXX and TransUnion was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If XXXX and TransUnion do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX : {$6900.00}
Product: Vehicle loan or lease

I refinanced my auto loan in XXXX with XXXX. They sent a check to Bridgecrest to pay off the loan. My payment due date was XXXX the XXXX and since Bridgecrest exists because of bogus fees, there is no grace period on their loans. So I had to make my payment that day. Then they post the check from XXXX on XX/XX/XXXX, we can call that a coincidence if they like, but we all know it is not. 

Bridgecrest refuses to refund me for the overpayment amount which is around {$690.00}, I can not get the exact amount because they have shut off my access to my account and do not send out paperwork. The majority of their business is fraudulent, so that is no surprise. I have called and spent hours on the phone with them and getting the run around, but still no check. 

This is my last ditch effort to get my funds as the next step is court and the entire fraudulent loan itself will be brought into question then as well as their shady business practices. I charge {$1000.00} an hour as well and they will pay that bill for all the hours I have wasted on this by them trying to steal my money as well as making me pay interest on money that couldn't exist without me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have not deleted and removed : XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX  ) From my account. It's been over 60 days. 
I have supplied court ordered documentation to remove discover card and synchrony bank from my report. Proven fraud and acknowledged by NY Court System and XXXX XXXX  ( documents attached ) ****XXXX  is the only one that has compiled. 

Can you please help? After 30day and with proof of fraud with a court ordered document to remove. XXXX and Equifax continue to ignore my numerous ( in writing, online and phone ) requests for deletion.
Product: Debt collection

I suddenly received a Credit Card Statement from Synchrony Bank/Lowes in XX/XX/XXXX for charges I did not make or authorize. The bank called me and I told them this account had been paid off many years ago. They said they would mail me copies of charges with dates of purchase, etc to review. I did receive a very heavy large envelope with copies of many statements and I immediately knew I was a victim of Identity theft. Since this time I continue to get letters from the bank and/or calls indicating I am past due and now late fees and interest are being added. 

After I realized this had happened I requested copies of all my Credit Reports from XXXX, XXXX, and XXXX. The credit reports indicate multiple hard inquiries on my behalf that I did not authorize. 

XXXX XXXX  was one Company that I had to also reach out to when I received a letter indicating my credit was approved. I called them to report that I did not apply for credit. I then received a letter dated XX/XX/XXXX, that indicated I was not responsible for said account ( Copy attached ) I have copied their letter as they requested and sent to all ( 3 ) Credit Reporting Agencies. 

I am a XXXX Vet age XXXX and am very overwhelmed with stress and to the point that I had to reach out to a friend to help me get this resolved since I do not own a computer much less know how to use one. ( I only use email on my cell phone. ) She has written all letters for me on my behalf that I am attaching for you. I told Synchrony Bank that I did not use a computer, own a computer, and they stated that someone had been paying the statements/bill up until XX/XX/XXXX making payments online. They then stated the last email for payment request had bounced back to them and they were given my address to send paper statements. 

Please help me get this resolved.
Product: Debt collection

Seen an open balance on my XXXX XXXX account from Jefferson Financial. This was an account that I did not recognize and submitted a request for more information on what this collection was for and the only response that I received was that I owed the debit. I was never informed of who it what this was for. I still have no idea what this debit collection is for.
Product: Checking or savings account

XXXX XXXX Money Sent {$200.00} XX/XX/XXXX Its a lot so I will attached all the XXXX and XXXX transactions from fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I sent dispute letters via Certified Mail to XXXX, XXXX, and Equifax in XXXX of XXXX. However, I did not receive a timely response from either bureau regarding my inquiries. In addition, I received return receipts well beyond the time it took to receive them. It is possible my inquiry was ignored and I have yet to receive results from the disputes sent in XXXX XXXX XXXX XXXX. I have waited an extensive amount of time for a response but none was given. I have receipts of the Certified Mail sent.
Product: Credit reporting or other personal consumer reports

I have disputed with this creditor XXXX  department store XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and pertorm an investigation. 
The creditor has illegally reaged my date late active from XX/XX/XXXX to XX/XX/XXXX Transunion missing date last active and Transunion and XXXX failed to do an update and do a proper investigation.the credit account XX/XX/XXXX even disputes XX/XX/XXXX, Today received a update of the creditor with a late payment.