23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer You are required to do what I am asking and block these transactions from being reported to my consumer report within a timely matter IMMEDIATELY the dates last active is inaccurate, birthdate incorrect and date last reported is not accurate. This ground for removal they 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation Party Owed : XXXX Amount : {$1300.00} Account # : XXXX Party Owed : XXXX Amount : {$3000.00} Account # : XXXX Party Owed : XXXX Amount : {$2600.00} Account # : XXXX Party Owed : XXXX Amount : {$5500.00} Account # : XXXX Party Owed : XXXX Amount : {$4800.00} Account # : XXXX Party Owed : XXXX Amount : {$6600.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4600.00} Account # : XXXX Party Owed : XXXX Amount : {$5300.00} Account # : XXXX Party Owed : XXXX Amount : {$1.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$6700.00} Account # : XXXX Party Owed : XXXX Amount : {$0.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4700.00} Account # : XXXX Party Owed : XXXX Amount : {$4100.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX XXXX XXXX XXXX A Amount : {$600.00} Account # : XXXX XXXX Owed : XXXX  XXXX Amount : {$550.00} Account # : XXXX Party Owed : XXXX  Amount : {$600.00} Account # : XXXX I am disputing this claim due to : I HAVE KNOW KNOWLEGDE OF THIS ACCOUNT IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT XXXX XXXX & EXPERIAN HAS VIOLATED MY RIGHTS.
Product: Credit reporting or other personal consumer reports

I have recently pulled all my credit reports and came across these accounts that do not belong to me and FRAUDENTLY reporting to my credit profile. I have never done any business with these companies nerveless i haven't signed any contract that bind me to the ALLEGED accounts. I'm requesting that these accounts be removed from my credit profile as they are hurting my ability to obtain credit and being forced to be homeless with XXXX  kids because of this matter.
Product: Mortgage

On XX/XX/XXXX I was contacted by XXXX XXXX ( NMLS # XXXX, State License # XXXX ) of Caliber Home Loans of XXXX Georgia to inquire about loan products offered by his company. On XX/XX/XXXX, after gathering all necessary information, I was prequalified for a loan to buy a home ( however I did not receive my prequalification letter until XX/XX/XXXX ). Between XX/XX/XXXX through the end of XX/XX/XXXX, XXXX XXXX and I remained in contact as I inquired about and was updated on the status of my loan application. On many occasions I was assured by XXXX XXXX that the progression of my application was positive. Relying upon this information I retained a realtor and began the process of looking for a home. On XX/XX/XXXX XXXX XXXX emailed me to inquire about my search for a home and to get my realtors information. By mid XXXX I had found a home I desired to put an offer on. I ( through my realtor ) reached out to XXXX XXXX to inform him and to inquire about the status of my loan. I was assured that with his " decades '' of experience my loan would close quickly. At no time prior to or during this process was I informed or advised of any adverse issues related to my loan. On XX/XX/XXXX my realtor emailed XXXX XXXX to inform him of our intent to enter into contract on a desired property. Still, there was no word from XXXX XXXX on any pending or potential adverse action related to my loan. On XX/XX/XXXX I entered into contract to buy a property. On XX/XX/XXXX, a copy of the executed contract was emailed to XXXX XXXX by my realtor. On XX/XX/XXXX XXXX XXXX emailed me of possible loan structuring options available to me. On XX/XX/XXXX during a phone conversation I requested the boiler plate terms and conditions for loan products offered by XXXX XXXX 's company, along with the terms of my specific loan, in writing. At that point XXXX XXXX became aggressive and combative on the phone, but assured me he would have the information I requested emailed to me the following day. On XX/XX/XXXX XXXX XXXX called to inform me my loan had been denied. When I inquired as to why, he stated reasons that could have been ascertained during our initial conversations in XXXX, XXXX. He then failed to provide me with an adverse action letter, only doing so after I threatened to file a claim with this bureau and the XXXX. XXXX XXXX 's gross negligence caused me the loss of my earnest money in particular, and my faith in the lending industry in general.
Product: Checking or savings account

In early XXXX I filled a dispute for transactions that were charged to me but not delivered, i stated I had obtained a log from the merchant admitting that the items were not received and stated I was due a refund but was unable to process it. However Chime still chose not to obtain this info and denied the dispute. I attempted to appeal the dispute and provided the information and was still denied. The only defense given to me was that the merchant had the right to not refund my money for any reason they chose regardless of if their own employees steal the items. I feel the bank made a decision in bad faith to protect the merchant without considering any evidence.
Product: Credit card or prepaid card

I did a claim for unauthorized transactions made with my card the one that was lost or stolen and due to negligence of the bank an unauthorized person use more than 2,000 dollars, I tried to report the card lost by the automatic system and wasnt allowed I tried do speak with an live agent and they was close I make a first complaint with the consumer financial protection bureau and the company lies to the consumer financial statin I nwanna ver tried to report the card lost and that they will do an investigation and give results by todays dateXX/XX/XXXX2018 ... todays date I called to custumer service dispute department and they said they dont have any update in my dispute ... i feel like this bank is taking unlawful retailiation against me because the first complaint I make to the bank, I havent receive even a temporary credit on my account and here I send the response this bank sent to consumer financial first time
Product: Mortgage

I have been asking time and again way back in XXXX to XX/XX/XXXX when i was trying to work out a lower payment of the {$500.00} - {$900.00} range. 
Nothing happened. 
I then went to lawyer XXXX XXXX which after 33 pages at one time and several times Bank statements, IRS etc. 

XXXX XXXX said moved date to XX/XX/XXXX, I sent him email and voice mail on what that date is for?? Maybe it is a deadline? for foreclosure? 
I will call XXXX again and leave him a message if i can not reach him. 

I know they had mentioned back paying what i was behind in payments as XXXX XXXX told me not to pay until payment lowered, I think XXXX XXXX messed me up. I
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion
Product: Payday loan, title loan, or personal loan

Account was settled in exchange for deletion of the negative account from my credit reports. Payment has since been submitted however account is still reporting on my credit reports which is severely harming my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has been listing my XXXX XXXX XXXX account erroneously. They have it listed in duplication on my report. I filed a dispute which was largely ignored. The effect is it shows that I have more open accounts and it inflates my total balance due which lowers my credit score.
Product: Vehicle loan or lease

My complaint is with Credit Acceptance. First the have they are claiming I owe {$100.00} dollars which is incorrect. If my payments are XXXX a month and Credit Acceptance acknowledged theey received my hardship payment arrangement letter and agreed to give me 4 monthly payments of {$200.00} on a recorded line, why are they acting as if this is just a payment I 'm making on my own. And with the agreed upon arrangement the past due balance remaining balance for 4mths would be XXXX and the representative on the phone advance the balance go on the back of the loan. So the are adding illegal collection tactics and also have been calling harassing me everyday twice or more a day after they know my account is auto draft. I have spoken to a representative every time they call to advice in on auto draft and they still try to collect a payment and continue to call when I already spoke to someone which is illegal. Their phone records like my phone records will support this. Last all XXXX of my credit reports are showing different past due dates, when the account is not past due, I 'm on auto draft and Credit Acceptance agreed to the hardship arrangement and said the remainder will go on back of loan. 

I
Product: Debt collection

I sent Capital One a request to validate the debt that is showing as owed on my credit report. I have had this credit card for 16 years and paid faithfully without knowing that this account is false and misleading. I asked this agency to send to me validation that I owe this debt to them. They did respond with verification and a written notice stated the year the account was opened, plus a packet of statements dating a year back. This information is insufficient and does not prove that I lawfully owe this agency any amount of money. I did not receive a contract that was signed by two parties and statements as opposed to invoices. This is not verifiable proof a contract and a promise to pay. Truth is, according to Title 15 US Code 1692 ( g ), I am the original creditor and each time I signed a slip for a credit purchase, this item became a note instrument that can be used to represent money or as money. I don't owe the company a dime because each time the card was used, money was created for the banks to balance their accounts and for Capital One to capitalize off of receiving an extra payment as well as interest. This is a SCAM!! These false and misleading actions taken by this company has damaged my reputation, caused me to lose money in higher interest rates and also cause employment and housing issues. I am a single mom with children who works hard to keep my credit secure and this issue has caused much stress and grief. I have recently interviewed therapists in order to choose someone to assist me with the stress this has caused as it has damaged my mental health. These debt collectors are purchasing debts that have already been written off by their clients for pennies on the dollar and then coming after innocent citizens to wreak havoc on our lives and cause emotional and mental strain. The nature of this debt is fraudulent as I don't owe this company a damn dime. I have never had an agreement to pay them anything. There is no contract between us on file and they have been insufficient in providing the validation that I asked for because IT IS NOT REAL!!
Product: Credit reporting or other personal consumer reports

I have a collection account listed on my XXXX credit report listed as Credence Rm Account # XXXX for the amount of {$2200.00}. 

An a collection account in my XXXX credit report listed as Credence Resource Mana Account # XXXX for the amount of {$2200.00}. 

I am requesting validation of this debt from this collection company.
Product: Credit reporting or other personal consumer reports

Santander is reporting late payments on the account, XXXX XXXX to XXXX. Then XXXX XXXX to XXXX. Also the vehicle was total loss as of XX/XX/XXXX and the company received an settlement amount from the other driver insurance company XXXX, but still want to collect
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found that your company is reporting inaccurate and incomplete information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were created or conducted without my authorization. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), you are obligated to block and remove information resulting from identity theft upon my request. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a new savings account via apple with Goldman Sachs. I had over 3 years the apple card credit card from Goldman Sachs without any issues. I made deposits with my money and it was successfully added to my account balance. So I also scheduled my credit card payments to this account. There is enough money in my account to cover the payments. Unfortunately the bank declined the transfer, and restricted the account. After hours in the hotline and submitting a complain here on XX/XX/2023, the Bank contacted the me and cleared the security concerns. Because of that illegal restrictions I missed my credit card payment and had to pay XXXX USD late fee and XXXX USD intrest.
Product: Checking or savings account

I made a mobile deposit of a check that I received for contract work that I had done into my Chase checking account which I have had for 10 years. I do not normally deposit checks for this amount and so Chase Bank decided that the check deposited was not intended for me and therefore froze all funds in my account. I learned of this when trying to use my debit card and when I ask if I could please have access to the funds in the account prior to the deposit, they replied no. They cancelled my debit card, they said they would hold all direct deposits including my social security check, would not honor any automatic withdraws from the account and I could not have any of the money in the account. After a second call to Chase Bank they agreed to accept the check deposit in question when they could contact the signer of the check to verify that the check payment was intended for me. My compliant is that I didn't have access to any of the funds not associated with the deposit in question while they verified the check paid to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are fraudulent accounts reporting to my Early Warning Services consumer report Early Warning Services Consumer ID : XXXX. These accounts have been proven to be identity theft and Early Warning Services has not removed them after my request. I have provided proven documentation of fraud and identity theft. I have provided all documents required to have these fraudulent accounts removed/ blocked from my report with Early Warning Services. The documentation consist of a the Federal Trade Comission Affidavit notarized, XXXX XXXX Police Report showing accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX ), Signed Letter with identifying accounts, proof of identity and address. I am requesting that Early Warning Services remove these accounts immediately. The account ( s ) I am requesting to be deleted are ( XXXX XXXX XXXX : Opened : XX/XX/2016, Account Number : XXXX, Balance : Unknown ) and ( XXXX XXXX XXXX : Opened : XX/XX/2016, Account Number : XXXX, Balance : {$200.00} ).
Product: Vehicle loan or lease

the company came to reposse my vehicle even though i made payments and was told i was making payments on a diffrent account and there is nothing they can do because it was a unknown loan taken out against my name for a vehicle i dont own. i sent company bank statements and confirmation numbers over to try and get this resolved. the vehicle the repossed didnt match the vehicle that i was making payments on without my knowledge. the company basically let someone take out a fradulant loan under my name and didnt even care if i had bank statements and confirmation emeails on the vehicle that i was paying on saying that i was putting it towards someone elses account. Need to get investigation on why my name has a vehicle that i dont even own let alone have in my possession.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are fraudulent.

The following account must be blocked and deleted immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Additionally, the following inquiries must be removed : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Vehicle loan or lease

Dear CFBP Team, RE : OLD Account # XXXX Westlake Financial ServicesXXXX Charge Off/Expired Accounts. 

The reason for this complaint is that I had recently received a FACTS letter from Westlake Financial Services stating that they had " shared my SS #, Accounts balances, payment, transaction history, credit scores and phone numbers to " everyday business purposes, credit bureaus, marketing with other financial companies, affiliates, non affiliates, etc. 

I did not authorize or never give any permission or consent to Westlake Financial Services to share my information to anyone as this is illegal. 

I had previously received a letter from Westlake Financial Services with same information and I thought this is over but seems like not. 

Please see the enclosed letter asking to mail in a form to " Do not share information, etc. But they keep sending me this letter as you see the enclosed letter received in the beginning of XX/XX/XXXX. 

In addition, this is an expired and old " loan account ''. This account should come OFF of all credit bureau reports on or about by XX/XX/XXXX. 

Regarding statute of limitations, XXXX XXXX XXXX signed a new letter stating the statue of limitation in XXXX has chanced from XXXX XXXX XXXX XXXX Please see reference below for your information : https : //www.governor.ny.gov/news/money-your-pockets-governor-hochul-signs-five-new-laws-protect-consumers-and-save-them-money https : //www.governor.ny.gov/news/governor-hochul-announces-new-statute-limitations-unlawful-discrimination # : ~ : text=Governor % 20Kathy % 20Hochul % 20today % 20announced, State % 20Division % 20of % 20Human % 20Rights. 

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

My long standing account with XXXX is not being reported on my XXXX  and Equifax consumer credit reports.Attached is my XXXX consumer report and a recent XXXX bill. This is negatively affecting my personal credit score.
Product: Credit card or prepaid card

I went to a local Kohls store In my area of XXXX, XXXX, and watched as a customer in front of me entered her phone number for the rewards program. I had previously used the Kohls cash program online and believed I could enter my phone number to get rewards. When I did so, the associate said that I didnt have a rewards account but she would create me one. She informed me to press the green button to accept the terms of the reward program, and enter my social and date of birth to link to my account. I provided all of this info without receiving any written or verbal notice of this being a credit application. in hindsight it makes sense, but now i feel that i have been taken advantage of. I realized this error when my transaction was completed, and I never used my current credit card. i then explained that this was not what i wanted, and her only source of solution was to tell me to cut up the card when i received it in the mail. I explained this was not what I wanted, and she told me I had read the terms and that I was confused. We looked again at the terms that she told me to hit enter on, and it said that I had received and reviewed the terms of the Program, which i did not in the course of the interaction. She kept insisting that the text on the screen were the terms, but there was nothing written about interest rates, fees, or other terms that would lead someone to associate with a credit card. Calling the online number allowed me to close this new credit line, and I will now have to dispute this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information Credit Info COUNCIL BLUFFS, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Credit Info COUNCIL BLUFFS, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

for several years I tried to refinance my home. ( which I have been in for over twenty years. this is a mobile home, myself and wife are both XXXX, we also have a adopted son which is XXXX. every time we sent in paper work there was always something else they needed are they say they did n't get it? we sent certified mail?? now we have been fourclosed on and are living in a travel trailer. select port folio is a doing this to all there customers, and XXXX XXXX XXXX XXXX XXXX XXXX is backing them up. after being put out they have my home up for sale for less than 20 thousand dollars, yet said I was still liable for XXXX? this company has complaint after complaint made against them and they still seem to get away with ripping people off and taking there homes.