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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$210.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Vehicle loan or lease

Around XX/XX/XXXX i bought a XXXX XXXX XXXX from US Auto Sales about XXXX years later they went out of business because of a lawsuit. My loan was taken over by westlake portfolio management after which earlier this year the engine went out on the XXXX and i returned the car. They sent a letter stating they would sell the car and i would have to pay the difference. Never informed me that the car was sold but charged off on the loan and added interest to the diffenece of the sell and are expecting to pay the original principal of XXXX. They have reported on my credit as if i only had the vehicle for 6 months but i had it for XXXX years.
Product: Checking or savings account

On Friday XX/XX/XXXX I received a letter stating that I was declined for a credit card because I have an overdrawn checking account with Chase Bank. 
I am a signer on a COLLEGE Checking account with my daughter. I immediately called to find out how much overdrawn she was. I was informed that the checking account is {$48000.00} overdrawn. After further investigation I was told that there were several withdrawals ( in person ) and large wire transers. I immediately filed a claim. These transactions were made in XXXX and would have shown on a XXXX statement if I had received XXXX. I am still within the 60 day time frame to dispute activity on the account. I was told that my daughter needed to sign and return a letter that Chase was mailing to her immediately to move the claim forward. On Thursday XX/XX/XXXX I called to find out where the letter was. After XXXX hours on the phone, back and forth with various Chase reps I was informed that the claim was denied on the same day I filed it and that it was past the time frame. I was also told that a device registered to the bank account was accessing the account and making large deposits and withdrawals to the tune of {$310000.00} in a college account, without notifying me, the parent on the account. We have notified the police department, and the fbi about the fraudulent activity but Chase bank has not allowed us to properly file the claim within the allotted time frame. 
Someone needs to determine why Chase refuses to allow, by law, us to file the claim and perform an investigation. How were two in person withdrawals for large amounts ( {$10000.00} and XXXX ) handed over to someone without i.d .? How were hundreds of thousands of dollars wired without anyone being notified? The device accessing the account was a stolen phone that is blacklisted and not being used by my daughter. Chase bank refuses to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went 30 and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the ICU and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me to submit a dispute on the website. I must waste my cellphone plan minutes for a 15 minute wait! 
The information that needs to be corrected is : I have never lived in Florida! The Florida address is the result of an account takeover involving XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely and caused an immense amount of stress due to being denied credit for obtaining a vehicle.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Student loan

I applied for Income based repayment plan and my wifes income was factored in but we pay separate bills. Student loans being one of them. My payment increase significantly and I was unable to afford it. When I called and brought this to the attention of Navient I was basically told " too bad ''. Now I am in default and I can not afford this payment and I have no solution.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I secured a title loan with Wilshire Consumer in the amount of {$4800.00}. Every month I paid the payments on-time without an issue. On XX/XX/XXXX, I was laid off from my employment, but I was still able to make monthly payments until XX/XX/XXXX. I informed Wilshire in XX/XX/XXXX that I was recently laid off and that I would like to refinance my loan. I was informed that someone would contact me to conduct a re-write of the loan. By the end of XX/XX/XXXX, I still had not heard anything so I called weekly and every time I had to discuss the option for a re-write. XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX passed and I still unsuccessful with securing a re-write of my loan. I was not able to continue due to my unemployment had run out, but I still kept in touch with Wilshire. Starting in XX/XX/XXXX, Wilshire had tacked on so much interest and by XX/XX/XXXX, my payoff magically bloomed from {$4700.00} to {$6100.00} making it unreachable to payoff. On XX/XX/XXXX & XX/XX/XXXX, I received an email from Wilshire Consumer Financing stating that due to the decrease in value of my vehicle, they were offering a balance payoff of {$3000.00} from {$6100.00}. On XX/XX/XXXX, I was unfortunately involved in an accident in which the vehicle was deemed totaled by the insurance company. Upon contacting Wilshire to inform them of the accident, I was informed that they would honor the agreement of {$3000.00} for the vehicle ; however they refused to provide a letter a guarantee. I was contacted by the insurance company on XX/XX/XXXX stating that Wilshire had forwarded them a letter of guarantee, but was requesting the full insurance damage amount which was {$4800.00}, but they failed to adhere to the agreement that they had made with me regarding the {$3000.00} settlement amount. I contacted Wilshire on XX/XX/XXXX to discuss the refund of the difference of {$1200.00} and I was told to call back on XX/XX/XXXX once the insurance payment has cleared. Upon calling back, Wilshire has refused to adhere to the closure of the account per the letter of guarantee as well as return the overage.
Product: Debt collection

this company is calling my work phone number daily. Have n't received anything in the mail within the required time frame of them calling me per FDCPA.They only call my work number and not my personal number. This needs to stop as my work number is for work purposes only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unpaid XXXX account that closed XX/XX/XXXX. Credit report renewed account as of XX/XX/XXXX and dropped my credit score down all the while renewing the 7 year countdown. I contacted XXXX who contacted the collection agency and asked them to change the account dates on my credit report to the correct date of XX/XX/XXXX. XXXX sent me a letter showing my account closed on XX/XX/XXXX. Nothing was fixed. I contacted ic systems and asked them to fix the date they refused stating they are allowed to renew the date.
Product: Credit reporting or other personal consumer reports

I have an closed account reporting on my credit report being reported by experience and XXXX from XXXX XXXX XXXX  that was closed XX/XX/XXXX and the date of last payment was XX/XX/XXXX however it has been constantly changing the date last active which should be my last date of payment which is extended my statue of limitations and perpetuating this incorrect information on my report am requesting method of validation the process used to validate this debt and all correspondence you have 15 days to provide this
Product: Credit reporting or other personal consumer reports

Inaccurate information reported To the credit bureau by oportun Keeping Both loans open so they both Can draw. interest. So that my payments can go straight to Interest When one is the refinance of the other? In the result of. If my payments was {$870.00} a month and I paid {$500.00} a month or a {$1000.00} a month. It went straight to Interest. Then They reported it too. The three major credit bureau.With this miss information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are reporting inaccuracies and conflicting information in my credit file for the following creditors. XXXXXXXX XXXX and XXXX XXXX. They reported 90 days late past due on XXXX, XXXX XXXX, XX/XX/2021. On XX/XX/2021 XXXX decreased my credit score by 97 points due to these 90 days past due from XXXX XXXX and XXXX XXXX. On XX/XX/2021 TransUnion reported XXXX XXXX and XXXX XXXX 90 days past due and decreased my credit score by 111 points. I dispute the late past due status with XXXX TransUnion, and the creditors XXXX XXXX and XXXX XXXX. On XX/XX/2021 XXXX  and TransUnion changed the past due late to current on the XXXX XXXX account. However the status remained late past due on the XXXX XXXX account. However, they did not change my credit score until I called them. When I checked my credit score a few days after speaking with them, XXXX increased my score by 45 point and TransUnion increased by 33. Neither credit bureaus increased my score to the number of points that they decreased it to when the late payments past due occurred. On XX/XX/2021 XXXX and TransUnion decreased my credit score again and reported 90 days late past due for the same creditor XXXX. XXXX  decreased my score by 48 points and TransUnion decreased my score by 61points. Neither credit bureaus increased my score to the amount of points that they decreased them on on XX/XX/2021. As of XX/XX/XXXX, both companies edit bureaus decreased my scores again and flagged these XXXX accounts late past due 90 days. This is inaccurate these account have never been late or delinquent. The creditors wrote me a letter stating it was an error and would be deleted. One of wrote me a letter stating they do know have any account in their records fir me. According to the CARES ACT I am protected and none of this should have happened.
Product: Mortgage

Dear Lending Partners ... how can I forget you all! You guys were my first mortgage loan servicer for the FHA loan when I first bought my house. I have been extremely happy by the service you provided me. I would like to report to you joyfully the following : 1. In XX/XX/XXXX you serviced an FHA mortgage loan where you claimed a loan number to be XXXX. 
According to my credit hostory report it was a XXXX XXXX loan with no mentioning of payment amount. 
According to the home insurance company it was a XXXX loan with the account number XXXX XXXX. According to your closing statement, the escrow was paid from the loan you serviced. 
The other report is showing that you did not pay any escrow from the loan you serviced at all! 

3. You executed a HUD 1 Settlement statement that says that I have authorized you with the holy responsibility of getting another XXXX XXXX loan for the future and also a XXXX FHA loan to refinance your loan after that! 

4. You fraudulently executed a lien release in conspiracy with XXXX XXXX saying that I paid off your deed of trust and then XXXX XXXX Fraudulently transferred my title for that. The executed a fraudulent deed in lieu of foreclosure for that in XX/XX/XXXX and stole the title!! 

5. How could you, o my dear lending partner, let XXXX XXXX take my title and let them satisfy their eternal hunger for Mortgage Backed Security!!! 

6. What damage did I cause you, O dear lending partner, that you destroyed my title record and did all these mortgage fraud!!!! 

7. I am trying to find out how many lawsuits now I should file against your company O dear lending partners. 

Before you meet us with the other buddy XXXX XXXX ... .do you have any last minute well wishing for me? 

Please let me know ... ..
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

I purchased my home in XX/XX/XXXX and since that time have done about {$150000.00} in upgrades. After these upgrades were completed I contacted my mortgage company Mr. Cooper to ask them about having my home reappraised so I could have the {$120.00} a month PMI removed from the mortgage. At that time XXXX of XXXX, I was advised that I would need to speak to someone at the company to get that information. When I received a call from the Mr. Cooper rep all they tried to do was sell me on a refinance and cash out option and said that they would send me the contact information for the appraisal company that I am required to use. As per the company rep I am not allowed to use any other appraisal company and if I do the results will not be valid. I requested the contact information to call appraisal company and set up inspection, i did think this was a little weird as i work in the insurance industry and we have to give out at least three options for clients to get work completed, I didn't think the mortgage company requiring us to only use their appraisal company was legal, but requested the information, rep said he would email it, i never received the phone number so on XX/XX/XXXX I contacted the company again and asked for the contact number for the appraisal company they required i use, at that time they told me again a rep would need to talk to me and again an agent called me to refinance but did not provide the requested information. Then on XX/XX/XXXX and XX/XX/XXXX i reached out again to the company to request the information directly through my online portal with the company, supposed to be a direct email to the company, and they have still failed to give me the contact number for the appraisal company and i am now still paying for PMI when i no longer need it but can't get it removed as they wont provide me with the company contact information for the company they are telling me i have to use
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to purchase a new vehicle and because of a false collection and fraudulent inquiries on my credit report I was demo. I have reached out to all three credit agencies about removing the said collection and hard inquiries but the these items still exist on my credit report
Product: Credit card or prepaid card

My Costco Citi card advertises " cash back '' for purchases. It is usually in the form of a coupon, which needs to be brought to a Costco warehouse for redemption. I have not received a check or any other form of payment for my Costco Citi card for 2021, and I believe it was due early in the year.
Product: Credit card

My roommate and I used to shop at this company that sells jewlry called shoplc. Starting in XXXX I saw XXXX charges on my credit card for XXXX. I called shoplc and a customer service person took all the stock numbers for these items.Did n't say much. I called Chase Bank where my credit card is through and just because both me and my roommate used to shop there tried to blame it all on her. She has her own tablet and does her own orders. She can't get in to my PC and she wouldn't do something so underhanded. Wouldn't XXXX orders in one month say fraud? Chase bank claims the items were shipped here. They were not as I would have returned them. If I can't get this resolved I am on the hook for nearly XXXX dollars worht of things I didn't order and did not recieve. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting the wrong credit score on my file! I often notice that my Equifax score was extremely lower than the other XXXX bureau even tho XXXX & XXXX was showing more negative items that Equifax. I called in XXXX months ago & spoke to a rep & inquiring about why that is. The rep told me he would look into it & make note on my file for a manager to look into. I have never received anything in writing stating yes XXXX XXXX we were reporting the wrong score in your credit file & what they were going to do rectify all the damage that has cause me. I am requesting in writing if they were reporting the wrong score on me what was the reporting score & what should have been the right score. I have written numerous letters to the company stating that every time I send in my drivers license for proof of indentity that they kept my score low because of my race because I couldnt understand the low score. A few months ago after seeing the issue reported on the news that the company was reporting the wrong score for many people my score went up drastically & I cant see what could have caused the change to make my score jump that high. I want answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.
Product: Prepaid card

I received two American Express gift cards for XXXX from my employer totaling {$150.00}. I have attempted several times to make a purchase at several online retailers and continue to get a declined message. I called customer service but all they did was verify the amounts. I am extremely frustrated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo Dealer SVC multiple times do to a discrepancy on my credit report for an old auto loan that was opened. A late payment was reported on my credit in XX/XX/XXXX. This car was deemed totaled and the bank took possession of this vehicle on XX/XX/XXXX of XXXX. I have attached the total loss letter from the insurance company numerous times with no help on this matter. I have also disputed this inaccurate information to the credit bureaus numerous times as well with no help from the company..
Product: Credit reporting

After being denied a credit card I applied online ( and called ) for my free credit report from equifax that I was supposed to be able to receive if applying within 60 days ( which I was ). This has happened to me in the past multiple times. I have NEVER been able to get my free report as promised by equifax.