23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I HAVE XXXX JUDGEMENTS ON MY CREDIT REPORT FROM 1998. I DO NOT RECALL THESE CREDITORS NOR DID I KNOW I HAD THEM ON MY REPORT UNTIL I APPLIED FOR A MORTGAGE AND WAS FORCED TO MAKE PAYMENT ARRANGEMENTS WITH THESE ATTORNEYS/DEBT COLLECTORS. ITS BEEN 20 YEARS SINCE I RECIEVED A SUPEANA AND I DID REPLY TO JUDGEMENT AND NOT HEARD NOTHING. I WAS TOLD IF I COULD PROVE THIS ISNT MY DEBT I WOULDNT HAVE TO PAY IT. I DONT RECALL THIS IS FROM 1998. WHAT CAN I DO?
Product: Credit reporting or other personal consumer reports

On my previous communication through XXXX XXXX and Consumer Financial Protection Bureau my complaint was well outlined to provide all necessary information and I was clear of what I wanted. I do not believe it was comprehended as it should've for unknown reasosns. So, Here it is again ; The following accounts have been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding these debts. Consequently, all related accounts must be updated to reflect a balance of XXXX or an account history of none, and the status of " Discharged in bankruptcy '' should be reported to credit agencies. 

It is crucial that these updates are made to ensure compliance with bankruptcy discharge laws. If any accounts show a numeric due balance history, it could be interpreted as debt still owed by me, which I am protected against. Please ensure these updates are made. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved, as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be resolved promptly to avoid any further complications. XXXX XXXX CITIBANK XXXX XXXX XXXX XXXX CITIBANK XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX the XXXX I paid and they agreed to delete it from my credit report, but dont want to send me the deletion letter because they saying they cant send a deletion letter. They can only send a letter saying that I have a XXXX balance and its paid but they did say that they will delete it from my credit report and you can also pull up them saying that they would delete it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint is being submitted to report that I have been a victim of identity theft. Upon researching how to remove the fraudulent accounts on my credit report, I discovered that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are obligated to remove any accounts and information listed on an ID Theft Report. After recently receiving a copy of my credit report, I was surprised to find several accounts that I did not open and have no knowledge of. Attached documents will assist in blocking the erroneous information from being posted on my report. The following items are in question : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX. I can confirm that I did not open these accounts or give anyone permission to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report it to the authorities. FCRA Section 605B ( a ) requires Credit Reporting Agencies to block any information in a consumer 's file that the consumer identifies as information resulting from identity theft, no later than 4 business days after receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, I did not open this account this year! This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items 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 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have received three emails over the past 2 months from Santander Bank assuming that I am a customer and directing me to login to access my account. The emails are legitimate and not spoofed. However I am NOT nor have I ever been their client. I checked my credit report for any unauthorized accounts and nothing shows up so far. I called the bank and explained the situation and they couldnt find an account either. They said to simply ignore the email which I tried after the first two messages.

This is unnerving and I consider it harassment at this point. I request that this matter be investigated and brought to a definitive conclusion so that I stop receiving these inaccurate communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had an account with Conns XXXX XXXX for the purchase of some furniture. In XX/XX/2018, I did a home equity loan with my bank to consolidate some bills. On XX/XX/2018 I requested a pay off from Conns. While I was waiting for the pay off to be sent to me, I sent a screen shot from my online account to my bank that I took on XX/XX/2018, to give them a general Idea of my balance while I waited to receive the official payoff from Conns. The pay off amount was {$3000.00}. I still have that screen shot. I have the payoff statement somewhere but I have to look for it. On XX/XX/2018 we closed on my loan and the attorneys office mailed out my checks to varies companies 3 days later. Conns posted my check on XX/XX/2018 for the payoff amount quoted. Now, a year and a half later, they are trying to say I still owe almost {$500.00}. I contacted support, sent copies of what I have and all they can say is I still have a balance because they didn't receive the check till the XX/XX/XXXX and my pay off was for the end of XXXX? A couple weeks cost me {$500.00}? They will not resolve the issue or explained to me how this happened and why am I just now hearing about a balance. They are trying to pull some shady business practices here. On top of that, I get a call about this at my place of employment! I thought it was a scam at first. That is the only reason I realized there was still a balance. I got on the web page and signed into my old account. I want this resolved and that taken off my account. If there was a balance left over, I am sure it was no where near {$500.00}, they have just let it sit there and accrue interest for over a year. No letter or email and they have my email and address. They send me stuff all the time trying to get me to buy more stuff. I will never do business with this place again.
Product: Checking or savings account

Chase bank close my account with {$1500.00} still in it refuses to give me the {$1500.00} but yet says its still drawn interest on the {$1500.00} so its probably about XXXX now and they told me I had to wait three years for them to complete their investigation. Is that how it got into my account because the front sent it through where he works for a birthday present back in XXXX  And I still refused to give me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, which I recently obtained. After a thorough review, I have identified several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, such as the Truth in Lending Act ( TILA ) 15 U.S. Code 1666 ( b ) regarding billing errors.

Under TILA 15 U.S. Code 1666 ( b ) billing error, I observed the following violations : Failure to Reflect Payments on Statements : The creditor failed to properly reflect a payment made by me, resulting in inaccurate reporting on my credit statement. 

Computation Errors : I identified computation errors and similar accounting errors by the creditor on my statement, leading to inaccuracies in the reported information. 

Furthermore, it has come to my attention that the creditor did not provide a statement 21 days prior, as required by law. As a result, any reported late payments are deemed invalid, and I request substantial evidence from the creditor to substantiate these claims. 

Moreover, my right to privacy, as outlined in 15 U.S.C. 1681 Section 602 ( A ), and the requirement for written consent under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) have been violated. I insist on a thorough investigation into these matters.

According to the FCRA 15 U.S.C. 1681, any unproven, non-compliant, incomplete, untrue, incorrect, or unverified aspects of alleged derogatory accounts must be promptly rectified, or the accounts in question should be entirely removed. The following inaccuracies should be addressed promptly : 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 written off. The payment history is inaccurately reported. 
I demand that these discrepancies be promptly corrected or deleted from my consumer report. Failure to comply will leave me no choice but to seek monetary compensation for the violation of my rights under 15 U.S.C. 1681n civil liability. This matter has already been reported to the Complaint Portals for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

I expect your immediate attention to this matter and appreciate your prompt resolution.
Product: Debt collection

I have my account set up on automatic payment through my bank since I took this loan out inXX/XX/XXXX at Quicken Loans. Since then, I have made every single payment on or around the XXXX of the month before the month due. In XXXX, I was informed that my payment was going to change because of an increase in escrow needed for the account. I am XXXX years old and I do not use online banking very often. Apparently it was not scheduled automatically anymore after I went in to adjust the amount on my bill pay, and the payment did not go through as desired. I was not, in any way, notified about this problem until I received notice in the mail onXX/XX/XXXX ( Mail was postmarked XX/XX/XXXX ). I contacted Quicken Loans on or around XX/XX/XXXX and asked them about the problem. They informed me of the issue as well over the phone and I received help from my bank to both correct the bill pay problem but also to make a double payment to offset the error. I am filing this complaint because there no notification at all from Quicken Loans to me about this error until well after 30 days had passed. Had they attempted to contact me before it was too late, I would have made an immediate payment to correct the issue before I was 30 days late. There were also no phone calls or any other efforts made to me outside of standard USPS mail. I feel that, as a 5 year customer that has never missed a payment, Quicken Loans could have and should have made a more prompt effort to notify me that there was a problem. By not doing so, not only have they put me in a situation that lowered my credit score by  about 100 points, but, of course, they also were able to collect a fee on me. I feel I am a victim of this non-communicative effort and feel this is a violation of the Unfair, Deceptive, and Abusive Acts Practices Regulation set forth by the CFPB. I want the 30-day late payment removed from the account immediately and I want the fee removed as well. In my effort to contact Quicken Loans about this on the 10th, the customer service rep there was ignorant to the situation and simply stated I would need to file a dispute with the credit bureaus. When I went to do so, there is no option to file a dispute based on the UDAAP Regulation, as there should be. So I am filing this complaint appropriately here. I look forward to a prompt response to this issue so I can straighten out my credit score accordingly and receive the fairness I deserve as a consumer and long-standing mortgage customer of Quicken Loans. 

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

On several occasions I have submitted documentation, a police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All of the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.
Product: Debt collection

On XXXX XXXX, 2021, THE CBE GROUP INCXXXX  add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE CBE GROUP INCXXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

Mid XX/XX/2019 my husband received a letter from our previous lender stating his mortgage loan was being transferred effective XX/XX/2019. By mid XX/XX/XXXX We received a letter from the new servicer dated XX/XX/2019 and I noticed my name on the mortgage letter which had never been previously. The month of XX/XX/XXXX a statement was mailed out and again my name was on it as well. This set off a red flag which caused me to look at my credit report. I did get a couple of emails that were not read earlier but I paid it no attention. ( Previously we tried to refi to combine an 80/20 but were told it failed though due to a high DTI ratio. ) I'm not into debt this high because it's very stressful. This is stress and hard for me to sleep knowing I have this to think about. I like keeping my financials under XXXX. I pulled my credit report and found out this company has taken it upon themselves to add me to a mortgage in the amount of {$140000.00}. Wow this is crazy. Mid XX/XX/XXXX I requested a copy of the original Note and it was emailed. ( See attached ) I later called the customer service department and the did not have a clue as to why my name was added.
Product: Credit reporting or other personal consumer reports

Someone most likely a family member of mine or a few of them ( my dad, his wife, my sister, my uncle, a few cousins and aunt ) has been using my identification without my knowledge. I have been having an issue with my state identification card having the wrong information as name and birthdate. I recently had to prove my correct identity with producing my birth certificate and social security card and getting the correct information on my state identification card. I see under certain credit reports, my names are not correct along with adding a middle initial that I dont have. My deceased grandmother passed away in XX/XX/2014. She left me inheritances and they were stolen from me. I never seen my inheritance that was left in her will. If my grandmother left me and my children an inheritance, then what insurance company or bank cashed my checks? And what banker or insurance company would allow someone to cash someone elses checks? I have been trying to get this issue investigated and keep getting the run around or get stumped by something. I just want what is rightfully mine and my identity to stop being fraudulently used. My uncle has the will, family members know what was left in the will. My father, his wife and my sister illegally sold all of my deceased grandmothers personal possessions, including her home, her vehicle, her property, her bank accounts, everything including everything that she left to me.
Product: Credit reporting or other personal consumer reports

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Experian Accounts XXXX. XXXX XXXX Account XXXX : XXXX XXXX {$1800.00} XXXX. XXXX XXXX Account XXXX : XXXX Amount : {$1300.00} XXXX. XXXX Account XXXX : XXXX Amount : {$350.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$27000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Amount : {$17000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Amount : {$21000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Amount : {$160.00} XXXX. XXXX Account Number : XXXX Amount : {$21.00}, XXXX This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for XXXX XXXX and the information that was given to them that send me a low amount approval is because of the following. ( One -improper information given to XXXX XXXX of serious delinquency ). I dont have any delinquency on my account and never, its given to XXXX XXXX that I have a serious delinquent accounts and Experian I dont I never had a delinquent account I pay my bills on time why did Experian give delinquent accounts to XXXX XXXX that made them approve me with a low amount instead of a higher amount XXXX XXXX explained to me that Experian gave the reports I dont have delinquency on my account and that is false information
Product: Checking or savings account

On XX/XX/year> I got my car serviced at XXXX. There was an issue where they charged my card twice in error. They said they were issuing a refund and apologized. I waited a few days. Then filed a dispute with the credit Karma money to get my funds back. They ask for proof and all I had at the time was an email from the company and the screenshot of where it came out twice. Somehow they denied the claim almost 3-4 days later and said it was due to insufficient information. I have called over 50 times to get them to reopen claim and they are refusing saying I didnt provide bank statement when there was no way possible for me to do that at that time because bank statements for the date was not out yet. I feel as the are completely mishandled my claim and Im am now out {$1700.00} because of this