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

these inquires are fraudulent and do not belong to me i never applied for credit with these companies and they need to be removed i have contacted all of these companies and they all told me to contact credit XXXX and Equifax to resolve this issue i have and they still remain unchanged XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX ON XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX AUTO All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Statements read prior to purchasing XXXX gift card provided instruction on recovering for lost or stolen card purchased at XXXX on XX/XX/2021 ( my birthday ) so I would be able to charge for gasoline etc. instead of using cash traveling from XXXX XXXX to XXXX. As I was exiting XXXX after purchasing this card with my debit card, I had taken it out of the bag and put it into my pants pocket. I noticed when I got to my card, I could not find it. I went back to the Car Repairman where my car was and asked. This is when I was told that one of the service repairman was going to inquire at XXXX Customer Service ( since I had already called and received no response ). 

I called, emailed, and faxed ( XXXX ) information in reference to given Case # XXXX several times. Ultimately, the receipt from XXXX and records requested was submitted and several calls made with contradiction of written advertisement about refunds if lost or stolen. I will provide more pertinent documents and information upon request.
Product: Checking or savings account

I was using XXXX to send my wife money my banking app timed out and the money was sent to a random account i contacted my bank but unsure if they will side with me
Product: Mortgage

My real estate broker XXXX XXXX told me to find another lender since XXXX XXXX XXXX was going through changes ( e.g. layoffs ) and was too short staffed to complete the mortgage process. So I called New American Funding and was connected to a XXXX XXXX. I told her I wanted to apply for a VA loan and asked her about credit scores and informed her that I have been dealing with a lot of issues surround identity theft and my scores are not the best. She told me she could look at my documentation and see if I qualified before pulling credit. I sent her over my documents and I didn't receive a response which put me on high alert. When I called XXXX XXXX was denying that she was able to view any of the 68 Attachments, then said she was able to view 6 then mentioned the credit card attachments which tells me she was able to view the attachments. When I questioned her inability to review the attachments she hung up on me. I called back and told her hanging up was suspicious in itself and unprofessional and I would contact her management and she hung up again. See below. 

From : United States Veteran XXXX Date : Tue, XX/XX/2022 at XXXX XXXX Subject : XXXX : XXXX XXXX XXXX XXXX ) To : XXXX Good Morning XXXX XXXX XXXX XXXX Your loan officer XXXX XXXX received 72 attachments went through the attachments and did not call me back. I just found out {$2000.00} was stolen out of my business account yesterday by a scammer using fake identification on the other side of the country in Georgia. My name, SSN, DOB was sold to the dark web. I am a victim of identity theft and so I am on high alert when if comes to anyone who has my personal information. What I find suspicious is during the conversation, XXXX XXXX said she tried to access 6 of the 72 attachments and was not able to view all of them, then mentioned credit cards - however she claimed she only could view the first six attachments and I didn't mention anything about credit cards. In our initial conversation, I asked XXXX XXXX to review the XXXX XXXX report, and attachments and tell me if she could move forward before I would remove the freeze and have her pull another credit report. When I questioned XXXX XXXX regarding the attachments and how I was suspicious that she wasn't able to review anything- she hung up on me. I then called her back and told her I am a victim of identity theft and the fact that she received my documents but didn't respond was suspicious to me and I told her hanging up on me was not ok. XXXX XXXX had an attitude, with a New York accent ; and stated she is in your North Carolina branch. I would like this looked into and all of my files removed from XXXX XXXX 's computer. Thank you. 

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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports Innovis, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove fraudulent inquires on my credit report and an account which is also fraudulent they just switched the account status to closed. XXXX XXXX XXXX  was fraudulent. The account needs to be removed. The fraudulent inquires are XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All accounts listed are fraudulent. Equifax refuses to remove them after sending multiple disputes
Product: Credit reporting or other personal consumer reports

These companies XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT LLC bought my information from another company without my consent nor did I authorize anyone at these companies to do so. According to The Fair Credit Reporting Act, this is illegal.
Product: Student loan

On XXXX, I entered into a payment plan with Navient. They said my autopay for the full payment before the payment plan would be canceled even though it was due on XXXX. When I looked at my bank account on XXXX, they took out both the autopay and payment plan payment. I immediately called and they said they would refund the full payment that wasnt supposed to be processed but it would take 5 to 10 business days to be refunded. Having both payments taken out caused my account to be overdrawn. I was told during that call, I would be refunded any overdraft fees as long as I could show that Navient caused the overdraft. I had several online orders pending using my XXXX debit card authorized on the XXXX and completed on the XXXX. The funds for those officially got taken out of my account on the XXXX, XXXX and XXXX. I had an automatic payment plan that was due on the XXXX and it was not able to be changed as it had already been charged through their system. These caused me to have 7- {$35.00} overdraft fees. 
I received the refund for the payment on XXXX. I then called them once I had my statement of transactions. They issued {$70.00} for the 2 overdrafts for their payments. The representative said that she couldnt refund the additional as it was policy to only cover the overdrafts due to their payments. I then spoke to her manager and he asked why they should reimburse me. I explained that the 2 payments took almost half of my income and that I had money that I was planning on depositing to cover my payment plan payment and the additional charges that were to be coming out as the purchases were initiated prior to knowing that both payments processed. He said that if I could provide the receipts showing that the payments were authorized or scheduled before both payments were withdrawn that they would reimburse me for those transactions. 
I called back on XXXX after I uploaded the documents and receipts to them. The receipts all show a date of XXXX or before. The manager that time claimed that those receipts were after the date the loans processed so I should have known that both payments were coming out despite me being told that the autopay payment would be canceled and not come out when I entered into the payment plan. I didnt know until the XXXX about that and that I continued to spend even though I knew my account was overdrawn. I tried to explain to this representative what the manager the day before told me. The manager did notate the account that they would reimburse me but that the representative said his supervisor said they were after the XXXX but the first manager said they would cover anything before the overdraft was discovered. That supervisor wouldnt even allow me to talk to them and only gave me the answer through the representative.
Product: Checking or savings account

Made a purchase on XXXX, there were a few issues and XXXX let me know they would be processing a full refund. Come a few days later I have not received any money back, so I went to chat with XXXX who gave me a refund confirmation ID, and told me that Cashapp was declining the refund. I contacted Cashapp who then said they have not received any refund for this order. XXXX then told me that it was declined 2 times, and that there must be an issue with the refund, and that I should dispute it through my bank for a full refund. I submit XXXX screenshots to Cashapp of these correspondences with XXXX XXXX me refunds were processed, they are having issues refunding, and that I should go through my bank and they will not challenge it so I can get my money back that way. From what should be a simple dispute, with irrefutable evidence provided to Cashapp of XXXX inability to process the refund, Cashapp denies the dispute and responds with " the transaction was processed in accordance with the payment information received and no error occurred. ". Clearly whoever checked the dispute was not even looking at the reasoning being " Missing refund '' and simply saw that it was indeed me who made the purchase. This needs to be fixed or I will also make a post via the XXXX XXXX XXXX  exposing this shady business practice and complete nonsense from the employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without consent lenders are reporting information on my behalf. Inquiries are reporting on my report I dont recognize
Product: Mortgage

We started the process to remove my grandson name off our home loan. We were told on XX/XX/XXXX there were XXXX simple steps, which we complied, and then told that was an error on the company part. XXXX we were told we had to full credit qualification, and he had to sell the house to us. We paid the enitre large down payment. Since XXXX XXXX XXXX the company has been processig the assumption. We have turn in all required documents. In XX/XX/XXXX, we were told it was approved, but they were not at liberty to tell us why, but the finalization of the loan could not be processed for another 6 months. And they offerred to return our assumption fee. I feel the company was discremating aganist our age and the company also is in financial distress as shown on the internet, and we should not had to suffer for their financial position. We were not treated fairly and not treated with honesty. There was no other reason for us to get this approved, and have my grandson name removed. This was the only purpose for the assumption. 
I was given names of people in Management that might be able to explain. I left messages, but no return calls I have the large packet of emails they sent and all my documentation. I have all emails and full packet of approved documents
Product: Vehicle loan or lease

We have had so many problems over the past 3 years with XXXX XXXX XXXX XXXX and our rep was never available. It amazed us when out of no where our rep XXXX XXXX shows up to try to refinance our cars. My husband did his and told him he would have to talk to me because our loans are separate and that honestly I did not want to work with him. For days he emailed me and harassed me at my job. When he offered me a loan I could not refuse knocking a year off my loan at the same rate I agreed to meet with him but told him only if I could see the paperwork. When he arrived, he provided not paperwork. He told me he just needed my signature and my bank information and I was " all set. '' When my payment did n't come out I was concerned. Then my husband started getting calls on my car loan I had it and called to file a complaint. When state farm bank called me back I learned not only was my payment higher than agreed I learned my husband was on my loan. I never did an application, at no time was I asked for a co-signer, it was all very odd and rushed. My husbands credit has now taken a hit due to two car loans and we were trying to buy a house soon. Even State Farm Bank admits that some very unethical things transpired but they are not offering to fix it. If I needed a cosigner my mother would have done it for the right refinance and rate. I still do n't have paperwork on my refinance or what fees I was charged. I never did an application or signed to have my credit pulled. How can this happen. My husband swears he only signed for his loan ( or so he thought ). Very unethical practices all for a little commission. I have hired a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my report that re a result of identity theft these items are not related to any transactions completed by me. XXXX XXXX XXXXXXXX XXXX XXXX, Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXXXXXX XXXX these are the companies that are listed that are not associated with me. There are also addresses that do not belong to me- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I'm attaching ID doc, because Equifax has been known to stall stating they cant Identify you, yet they can add incorrect harmful information on your credit file. 

By law, they have XXXX days to correct this, not XXXX. 
15 USC 1681 ( C ) 2, related to blocking of information regarding identity theft. Fraud and related 18USC 1028, Consent to release 5USC 552 ( A ) ( B ).
Product: Checking or savings account

I opened a secured card with sun coast credit union to boost my credit with my own funds and I took an effect from covid and caused me to exhaust my funds. I asked for a statement of what is owed or what is reporting on my credit each month they then provided me the debt collectors number. The amount I loaded on to the secured credit card was XXXX
Product: Debt collection

A man called my work and asked for me. I came on the line and said I am not allowed to take phonecalls at work. He said he is just going to keep calling me at work until I take care of this. He called me 3 more times in 30 minutes. 

I said, " what company are you from? '' several times, and he would not tell me. The number that called me was XXXX. I am not sure if this is a scam or what, so I said send me the information. He said, " If you 've gotten something, why should I send you more? '' I said I thought this was something I had already paid. He is saying It 's something different. So, he needs to send me the info. but instead he just wants to harass me at work. I could loose my job.
Product: Credit reporting or other personal consumer reports

As of XX/XX/, XXXX began billing me for an alleged XXXX  loan I, XXXX XXXX : XXXX allegedly owe. However me being the beneficiary it doesn't benefits me to repay an alleged loan. I am writing to address the matter of the student loan debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this student loan debt is not beneficial based on a careful consideration of various factors. 

Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged loan would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the work credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property. 

Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged loan, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. 

Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged student loan debt associated with my account in light of the trust relationship and equitable considerations. 

Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. 

Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. 

I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. 

Thank you for your understanding and cooperation.
Product: Debt collection

I had a credit card, auto loan, and personal loan from XXXX XXXX sent to Stephens and Michael 's Associates debt collection law firm. While making the payments to Stephen 's and Michael 's I was under the impression that all of my payments were going towards the debt. When I completed my payments with Stephen 's and Michael 's I contacted the bank to get the title of the car since I was under the impression that all our debts had been paid. The bank explained to me that Stephen 's and Michael 's charges a XXXX-XXXX % fee and that I still owe the bank. Even the customer service representative admitted that this is a common tactic of Stephen 's and Michael 's and that others have been led to believe that their debts were fully paid off when they in fact were not. The entire time in dealing with Stephen 's and Michael 's I was never informed of this fee and the fact that the final payment I made was n't going to fully satisfy the debt.
Product: Credit reporting or other personal consumer reports

Automotive credit corporation has been reporting late payments for the past five months to the credit bureaus. The reason that theyre reporting late payments is when the payment that is owed for their terms is made in full theyre deciding to take money out of that and send it to an insurance policy that I never opted for. Told them that I didnt need and they refuse to remove. So when the payment is made what they are doing is paying the insurance and then saying that no payment was made for the month for the car payment. I have insurance on my own. Ive sent them the information many times and Ive asked them not to continue paying the insurance companies with it. This has become a serious problem now since theyre taking it as late payments or payments not made at all because of how theyre removing the funds and putting it somewhere else.
Product: Credit reporting or other personal consumer reports

XXXX is reporting several negative XXXX XXXX XXXX accounts with inaccurate balances and late payment notations which are breaking the law per FCRA 15 USC 1681 ( i ). and 11 USC 524 ( a ). They are NOT investigating these matters and I need accounts updated and or removed. These are the accounts : XXXX XXXX XXXX : acct # XXXX acct # XXXX