23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 my bank account was hacked from an outside source and XXXX was wire transferred to the hackers account. After reporting it the same day the bank did an investigation and said there is not they can do its not their problem. After starting the claim with Wells Fargo I was never once updated or asked any further information about the claim and they still refuse to answer any questions about the decision.
Product: Money transfer, virtual currency, or money service

I received a XXXX Form for the XXXX tax year regarding Cash App activity that occurred on an unauthorized Cash App account that was opened using my personal information. This is reporting in the amount of {$12000.00} using my name, address and SSN, however I have never used CashApp nor ever opened a CashApp account. On XX/XX/XXXX I contacted CashApp via phone call to provide this information and inform them that someone opened a fraudulent account under my identity and they provided me with a XXXXXXXX XXXX and stated someone will reach out via email. Did not receive an email so called back for an update on XX/XX/XXXX and they informed status is still pending. I called back on XX/XX/XXXX at XXXXXXXX XXXX  and spoke with XXXX who informed they do not provide tax assistance and I should reach out to a tax professional. Informed they will send an email. I received the generic email from CashApp indicating I should reach out to a tax professional and then on XX/XX/XXXX I received an email that my case has been closed.
Product: Mortgage

Specializing Loan Servicing is using faulty information in the servicing of the mortgage loan. SLS has been made aware of the robo-signed document which is the enclosed Assignment of Mortgage. 

XXXX XXXX XXXX XXXX XXXX XXXX went out of business on XX/XX/XXXX, and Mortgage Electronic Registrations Systems can not assign a mortgage and does not have employees. 

The robo-signed Assignment of Mortgage is trying to make it appear that XXXX XXXX XXXX XXXX XXXX   XXXX was in business on XX/XX/XXXX, and XX/XX/XXXX. 

Specializing Loan Servicing has also failed to deliver required foreclosure protections. The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. The final rule requires servicers to notify borrowers promptly and in writing that the application is complete so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement. Specializing Loan Servicing has yet to respond to a Notice of Error and request for information. Specializing Loan Servicing has yet investigated my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018, as I was checking my credit report and noticed I have a thin record. Shows my credit score is low and a description of " Having less than XXXX accounts can make you look riskier ''. Recommends which credit card to apply for and then when I went to just to apply for XXXX of the cards. My result was denied. I feel as though it was falsely advertised and now my credit score went a few XXXX   down. Even if the bottom says its from a XXXX party. Experian is still partially responsible for the advertisement.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following month XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless 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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}
Product: Mortgage

2022 I made caliber mortgage that I was applying for the American rescue plan they even sent confirmation to Caliber Mortgage I was initially denied after waiting 90 days I reapplied by that time caliber has me late during my forbearance With caliber, Ill tried a loan modification They didnt except it, and I have other means to pay and caliber add more to be transferred my mortgage shellpoint Then it took another 3 months I have all the emails and contact information I have repeatedly called caliber to change it on my credit report in good faith and I got no return I am XXXX XXXX XXXXXXXX I have an opportunity to buy a affordable housing to bet meet my physical needs I am unable to get a small mortgage Due to Unfair late charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Equifax is required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or was opened without my permission
. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; According to FCRA Section 605B, ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have failed to comply with the Fair Credit Reporting Act 15 U.S.C. 1681i by neglecting to conduct meaningful investigations into multiple disputes I submitted in XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. Despite providing detailed supporting documentation to correct false late payments and inaccurate collections, these credit bureaus failed to follow the legally mandated steps to verify the accuracy of the disputed items. They communicated that the information was verified without demonstrating compliance with the law 's verification requirements or providing a detailed explanation of their findings.

As a result, inaccurate and harmful items remain on my credit report, including false late payments and unvalidated charge-offs or collections, causing damage to my financial standing and creditworthiness. This failure demonstrates a systemic disregard for consumer rights under the FCRA. I request the CFPB to investigate these violations, compel the credit bureaus to remove all inaccurate and unverifiable items from my credit report, and ensure compliance with all legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXXXXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number XXXX
Product: Credit card

Ive been receiving calls about my late payments ( first time having late payments in 8 years of credit history ) before XXXX every single day since the XXXX of the last month from XXXX XXXX XXXX Discover. XX/XX/XXXX Discover called me at XXXX, XXXX XXXX called me at XXXX and Discover called again at XXXX on the XXXX, on the XXXX Discover called at XXXX and XXXX XXXX called at XXXX and Discover called again on the XXXX at XXXX on the XXXX Discover called XXXX and XXXX XXXX at XXXX this repeats the same pattern even today it happened, I understand Im late on payments but Im being woken up everyday by these creditors for a XXXX XXXX dollars.
Product: Payday loan, title loan, or personal loan

My bill about {$450.00} & due XX/XX/2033. I pay {$250.00} XX/XX/2023. I tell them my check doesn't come till XX/XX/XXXX. It's now XXXX XXXX my bill is {$450.00} now. There is a 10 day late fee of {$30.00} or 5 % charge. They keep hitting me with this major late fee charge. Which leaves me no choices but to borrow more to pay that off. Because my checks fall on the following week. I'm supposed to being paying {$250.00} twice a month so I can pay off loan early.
Product: Credit reporting or other personal consumer reports

Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.
Product: Credit reporting or other personal consumer reports

I paid this company off in 2020. I sent them the receipts of my paid in full letter and they keep refreshing it recently like its fresh. This account is over seven years old and I want this taken off my credit report numerous and numerous of disputes, and they keep ignoring me
Product: Credit card or prepaid card

This was a long time ago but I just read that what they did may be illegal. I disputed a small charge on a jc penny charge because it was paid in person but not credited to me. I had late payments on my report because I was under the impression I was paid in full. The bank SYNCB cancelledmy Penny 's charge in retaliation for disputing that charge. To further punish me they closed my Amazon credit card even though I never made a late payment. What a poor business practice and such a poor way to handle that situation. This happened in XX/XX/2019 but I'm still experiencing the adverse effects of having the card closed by that seemingly disreputable bank. The action taken was clearly meant to punish me. I'm curious to know if the employee who did that to me still has a job there
Product: Vehicle loan or lease

In XXXX I purchased a XXXX vehicle for the purchase price of {$18000.00} financed through Santander Consumer USA. Ive made {$12000.00} and yet my remaining balance is {$17000.00} with the payoff amount {$19000.00}. The company has been sued by several states for predatory lending practices and has been required to offer customers some resolutions however when I contacted them they tell me I have no options but to continue make payments that dont go to the balance of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

American First Finance charges astronomical fees for the purchase of items and the amount of purchase always seems to increase no matter how many payments you have made. Its hard to see the end of the loan. I started the process to purchase a refrigerator and dishwasher with the total amount being a little over {$1200.00} for both items, however after making multiple payments totaling {$850.00}, I now owe over {$1500.00} as an early payoff. Its almost robbery. I understand fees but the amount should go down as you pay, not increase every month making it impossible to pay it off.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer
Product: Checking or savings account

I deposited XXXX checks from a settlement from my former employer. I deposited the checks on XX/XX/XXXX and was told I was not able to get the phones out until XX/XX/XXXX. When XX/XX/XXXX arrived I got a money order for XXXX to pay my father back. I went to XXXX XXXX  to find out how much is old so I can pay those funds. I went back to Citibank to get another cashiers check so I can pay XXXX XXXX This is when they flagged the account and said theyd they need to confirm the XXXX checks that I deposit on XX/XX/XXXX. This should have been done the entire time. I had to wait until XX/XX/XXXX to touch the money. I went into the branch to see if I can get the funds out of my account since they are closing my account they told me I have to wait XXXX to XXXX  days to receive a check in the mail. This is holding up everything I have to do I dont see how this could be flagged for anything I bought the statements into the bank, showing where the checks came from Citibank XXXX given me any reason as to why my account is being closed and I can not get my money out of the bank.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting or other personal consumer reports

They are still furnishing the same accounts on my credit report to which I don't recognize. They have closed my complaints but have not given any resolution to remove those unwanted accounts on my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to XXXX that a collection account just popped up in their report and after waiting a month they did nothing but tell me they confirmed the information and will not remove it. At the same time I disputed with the collection agency and they provided me with paperwork which clearly states another entity and dates which do not belong to me. 
XXXX never did a dispute, they claimed they did, yet I have the proof they didnt. The reason is that they make money having negative information on people so they can sell their service on fear.
Product: Credit reporting or other personal consumer reports

I submitted a complaint against XXXX XXXX XX/XX/2023 .Their response was they were going to fix credit reporting issues. I don't see a change in anything there's still numerous discrepancies on my credit reports. XXXX XXXX is a known XXXX XXXX the CFPB didn't do much to help me in this matter. I spoke on issues about the dealership and the financing of the vehicle. The deception and high interests rates that consumers endure in a time of need by dealerships and bad credit finance companies are hurting the uneducated and minorities. The unfair credit reporting hurt my credit and added to my hardships during the pandemic. XXXX XXXX did little to offer relief during the pandemic. Most times I felt forced to make arrangements that I couldn't keep in order to keep the vehicle. I lost two sources of income during the pandemic including one that was used to finance the vehicle. I called multiple times asking for help. XXXX XXXX repeatedly called from several different states and numbers several times a day and within a weeks time. I would pay and the account would still be the red. I tried getting multiple loans and was denied due to credit reporting from XXXX XXXX. I wasn't offered favorable loans and resorted to high interest payday loans digging myself deeper in debt. During the shutdown caused by the pandemic my funds were very limited. My income was Social Security XXXX and I had to file taxes before I could receive a stimulus check. While homeschooling my children XXXX XXXX would call and upset me so bad it affected my ability to educate my children. My health issues began to escalate from the constant calls and voicemails. The XXXX and humiliation from the repo was awful. XXXX lost personal property the first repossession the tow company immediately went thru my car. The car wasn't in their possession 24 hours. I had to borrow money to regain my car and payback high interest on the loan. The response XXXX XXXX gave in my first complaint didnt help and the balance is still the same. I did agree to take possession but never did because I saw very minimal change on the account or my credit score. The vehicle was repossessed twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Product: Credit reporting or other personal consumer reports

In the report from XXXX and Experian as well as XXXX All types of debts from car loans and bill collectors are on the bureaus and I want them off. A lot of Inquires as well are reporting on my credit reports. Totaling about XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that XXXX, Experian, and XXXX is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, Experian, or XXXX written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, Experian, and XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, Experian, or XXXX wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. Someone attempted to get credit in my name through XXXX XXXX. It showed on my credit report. They have not deleted the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.