23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began my process of loss mitigation with XXXX XXXX in XX/XX/XXXX when I began to get behind in my mortgage due to being under employed, having a reduction in pay due to a job change that took place in XX/XX/XXXX. Since XXXX my file with the mortgage company has been closed several times according to them after the file was closed for missing documents. I have emailed and mailed documents to them and would be told that they were never received. 
In one of my most recent conversations/interactions I spoke with a representative named XXXX ( not sure of spelling of name ) on XX/XX/XXXX, of the loss mitigation team to follow up on a submission of documents I had submitted by emailed on XX/XX/XXXX via email. During this call I was told that they were only missing two documents, XXXX statements from XX/XX/XXXX to date ( this had been submitted in the XX/XX/XXXX submission ) and two bank statements ( requested documents had been submitted on XX/XX/XXXX & XXXX ). I had submitted one statement earlier only to call two weeks later to get an update on my file to be told that my file was closed again for missing documents ( XXXX statements and an account statement ) which I was never told was needed. I called on XX/XX/XXXX and was told that my file was closed as of the day before XX/XX/XXXX and that my processor had changed again. I requested a call back from the processor at that time, but I have not received a call from a processor. I received a call from the collections department regarding my payment and was informed that foreclosure documents had been ordered on my account. 
On Monday XX/XX/XXXX I called to do another follow up and spoke with a representative name XXXX when I was informed that my file was actually closed on XX/XX/XXXX because my packet was not complete. I inquired what was needed in order to make my packet complete but the representative never gave me a direct answer, she just kept repeating that they needed the missing items and that would make my packet complete. I continued to explain that I was unaware of the missing items because I was never notified of what was missing. When I arrived home that evening ( XX/XX/XXXX ) I had received a packet dated for XX/XX/XXXX requesting the documents mentioned above ( XXXX  statement and one bank statement ). On XX/XX/XXXX I received an email with a list totally different than what I was told on the phone the day before and it didnt include the items that were stated why my file was closed on XX/XX/XXXX. 
On XX/XX/XXXX I submitted a full updated packet that was received on XX/XX/XXXX. On XXXX XXXX I received an email requesting NEW information regarding documents I had been sending since I began this process. Information is now being requested for an account on my daughter 's pay stub that has never been asked for. I was also asked to include as my income my mother 's XXXX income because I am listed as her beneficiary. Her awards letter was submitted early in this process but I am just now being asked to include it as MY income, which I do not understand.
Product: Debt collection

I never applied for credit or authorized anyone to use my personal information to obtain credit from COMENITY BANK JUSTICE CREDIT CARD. I have no knowlege of ever owing this bank any money. I received a letter in the mail stateting that I owe {$530.00}. 
I have been notified through the mail by XXXX XXXX XXXX XXXX who is attempting to collect this debt. The original creditor is Comenity Bank. Furthermore, I am reporting this debt as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters was sent to XXXX XXXX and, Experian on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint filed against : Equifax Information Services LLC Unauthorized hard inquiry : XXXX XXXX XXXX 1. On XX/XX/2021, I gave such creditor, XXXX XXXX XXXX, the authorization to run a soft pull on my Equifax credit file. This was shown on my credit file as a hard inquiry and as a result I disputed this with Equifax over the phone. The representative told me to urge XXXX XXXX XXXX to furnish me proof that this was indeed supposed to be a soft inquiry. I was able to get such documentation from XXXX XXXX XXXX, and I sent such documentation to Equifax on XXXX XXXX and Equifax confirmed receipt of such documentation on XXXX XXXX. 
2. On XX/XX/2021, Equifax responded to such dispute via mail notifying me that such hard inquiry will stay on my credit file. Equifax has not provided me with any additional documentation proving that they conducted an investigation into this matter. They have not contacted XXXX XXXX XXXX, nor have they taken the documentation I sent them into consideration.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} 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 do not do this inquiries. That are showing in my credit score and I am getting bad consequences because this issue. Here are the list of the inquiries I never made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been contacted multiple times a day everyday by this company. I have told them this is against FTC laws and they say it is not, and they will continue to do so until I pay a balance I do not agree with. This week, I was contacted 17 times. I have tried working with them and they are refusing to work with me or come to an agreement regarding the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have compiled with the credit reporting agencies, in all there requests in to remove all inaccuracies that they are furnishing on my credit consumer report. Now I want to file a lawsuit.
Product: Mortgage

I did a business equity line of credit with my house as a collateral, as I paid for XXXX years and I saw the balance wasnt going down in XXXX  it was fixed however things didnt go well and I was forced to closed the business now Im at risk to lose my house
Product: Credit card

Numerous credit cards were fraudulently opened in my name due to identity theft. I filed all necessary paperwork / affidavits / police report. Target said they did n't receive my paperwork. I resent and was told they would contact me when they received it. They forgot to contact me. They also forgot to process the paperwork. They have not forgotten to send me fraudulent bills for over {$3000.00}. They will not provide me with information on how to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX, has violated my rights. 

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

I have unknown accounts reporting to on my credit profile. I am needing all unknown accounts removed from my credit profile immediately.
Product: Credit card or prepaid card

I entered a cab late night on XX/XX/2018. I attempted to pay driver with a debit card and the driver switched out my debit card for another and I did not notice that until the next morning when XXXX sent me the fraud/overdraft alerts. There was no record of the cab fare but an ATM withdrawal of {$500.00} and {$2800.00} worth of XXXX purchases were made that morning ( details attached ) and summary below of actions taken by thief. 

Thief made 9 transactions at 3 different XXXX XXXX totaling {$2800.00} on XX/XX/2018 Thief took {$500.00} out of an ATM on XX/XX/2018 Thief attempted to change my primary phone number with Chase on the night of XX/XX/2018 Thief attempted to raise my debit limit the night of XX/XX/2018 I reported the fraud within minutes of receiving an SMS message from Chase in the same morning as the fraud was committed. I talked with a Chase fraud agent at XXXX XXXX  the morning of XX/XX/2018. I filed two rounds of claims with Chase about the fraud and that I did not authorize any of these transactions. Both transactions were denied because Chase did not believe this was fraud even though they identified it and sent me SMS messages early morning on XX/XX/2018. Chase also denied my ask to get additional data around the complaint for the police report and would not provide any ATM pictures or card location data. 

Chase is one of the leading financial institutions, they have a tough job protecting digital banking from many different threats, and that is what consumers like myself are depending on. Based on the fraud actions/patterns taken on XX/XX/2018 by the thief, I find it hard for them to have not shut down the account earlier and attempted to help find the perpetrator by providing any data necessary to help track down the thief.
Product: Credit reporting or other personal consumer reports

account was paid off but still report to my credit report.
Product: Debt collection

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

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting

At the XXXX week of XX/XX/XXXX, after some research, I had to open a police investigation as somebody opened a bank account under my name and, according to the procedure, I need to get my credit report from the XXXX credit bureaus so I can check for unusual activity and try to minimize the impact. 
On XX/XX/XXXX I contacted Equifax to get a copy of my credit report ( as I did with the other XXXX bureaus, XXXX and XXXX ), I did get a previous copy last year around the same date so, I was expecting not to be able to get it immediately online, as I do n't have a SSN but an ITIN instead, they told me they were unable to get me the report because I had to provide some documents they were missing and then transferred my call to a department called XXXX.. I sent a copy of my ITIN, copy of my Passport and a Social Security Administration Denial Letter ... they said they had to verify who I was ... I sent immediately these documents via XXXX and a week later via certified mail as they were unable to read them. On the XX/XX/XXXX I decided to check on the documents delivered by XXXX ... They told me they received the documents, that they were going to send me the report via regular mail in XXXX business days and even gave me a confirmation ID # XXXX, I never got the report. 
The next day, XX/XX/XXXX I received a letter on the mail ( with ID # XXXX ) saying that they received the request of my credit file but the provided information did not match their records ... they did want to verify my identity and current address ... I did contact the XXXX and provided my confirmation ID ... I ended talking to a supervisor who did talk to a " XXXX Department '' and came back saying that the report has been sent and to ignore the letter ... but I have nothing. 
Today XX/XX/XXXX I got an e-mail with another confirmation # XXXX and I did call, the lady I spoke to told me she was not able to open my file, because some documents were missing, I responded that I already sent them, she told me to contact the XXXX and ask why they did not update my file ... the response was the same or even worse ... the response of the rep was " we need a ssn '' ... Basically THEY ARE DENYING MY CREDIT HISTORY BECAUSE I CAN NOT PROVIDE A SSN but I know I can not get my Credit Score BUT my Credit History. 
I tried to report the people on their customer service but, the same people they have in these call centers are the ones who respond ... for example I reported this incident to them with ID XXXX and the response was : " Please contact our customer service department '' which is the same people who are unable to help. Its now a month since I started this request, I still have nothing ... I need to know why Equifax asked me to send very private information such as a copy of my Passport and ITIN if they are not able to provide me with the report??
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a investigation request form to Equifax by mail about incorrect personal information on my Credit File on about XX/XX/2018 requesting the information be removed. I included all required necessary documentation of proof of my identity. I have never received a response and it has been over thirty days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text from what I thought was my bank, asking if I had authorized a wire transfer. I replied " No '' and within seconds, my phone rings and caller ID said " Bank of America '' so I answered. The man ( american accent ) said there was a suspicious wire transfer attempted from my savings account. To summarize, during the two hours I was on the phone with him, he said he was transferring all of savings balance to checking and locking that account. He said it wouldn't show up on my online dashboard and I logged in and sure enough, I didn't see anything and told him so. I asked name, which department and everything. He always had an answer and since my phone said BOA, I appreciated the lookout. While I thought I was on hold to talk to a fraud manager, he said he didn't want to make me wait any longer and that I would get a call back. When a few days went by, I called the bank to check on everything and found out that it wasn't the bank I was talking to. They helped me start a claim but said the since it was a wire transfer, I probably wouldn't get the money back. I went to a branch location to open new accounts since the accounts affected were for my business. The clerk sent me a security code while in his office and it came under the scammer message I had received. I showed him and he didn't know what to say. He said he had never seen a fraud impersonate the bank so deeply and even went on to suggest that the person was an EMPLOYEE or former employee because of all the knowledge this person seemed to have! He showed me the transfer on my transaction history and showed it went to a person called " XXXX XXXX '' at XXXX XXXX. I got a letter in the mail on XX/XX/XXXX from the bank and they informed me they closed my claim and stated/claimed " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity. '' So my conclusion is that the scammer hacked my device while on the phone and sent it from my online banking on my phone. I am begging you, please, please help me with the bank to get my money back. We have only banked with BOA since my wife and I got married in 2008. I am an honest, hard working man just trying to earn clean money and support my family. Almost {$10000.00} is an astronomical amount of money for my business. I have already filed with FTC and plan on also contacting my XXXX Attorney XXXX office for help as well.
Product: Credit card or prepaid card

Attempted to contact credit customer service on XX/XX/2020 to obtain a credit balance refund, was waiting for one hour and twenty minutes on hold to speak with someone, finally, hung up the phone. Since, the account has a credit balance of {$120.00}, please issue credit to the bank account on file. The account on file has a routing number ending in XXXX and account number ending in XXXX.
Product: Debt collection

After calling several offices regarding the charge-off of a 13 year old loan. XXXX XXXX has handed the collection attempts to Weltman, Wheinberg, & Reis LLP and which they sent to their partner law office XXXX XXXX XXXX. I have never heard or seen a letter from XXXX XXXX XXXX in regards to this time-barred loan. Weltman, Wheinberg, & Reis law office hasn't contacted me in years regarding the Loan. I recieved a call from XXXX XXXX  official on XX/XX/30 which was threatening and she did not mention that other Law offices had the loan. I contacted Weltman Etc. on XXXX and they passed it off to XXXX XXXX XXXX in which are the ones to file to sue against me. XXXX stated they were more local. This situation is very manipulative and unethical way to sue a me without prior knowledge. Weltman refused to give any information and I am not able to reach the XXXX group.
Product: Vehicle loan or lease

Several times with Westlake financial we are trying to reduce or refinance the car because the payments are too high, after I got financial problems to pay it, after 2yrs doing payments on time, they never put down the bank interest rate. I was with late 2 months payments, they repossessed the car together with XXXX XXXX XXXX XXXX XXXX. I was called to make a deal with the late payments, after I paid the 2 last payments plus the current month. They never allowed me to get my car back, both companies not provide any notes or real address directions to get the car. Now after 7 days I can't get my car back and all my professional equipments too. I paid everything and they are still asking to extra fees to give me the car back. They aren't good professionals, they're not answering my questions by phone or email, and they aren't not allowed me to get my car back, because they're not providing the address where they put my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported to credit bureaus of late payments that are incorrect. We made payment arrangements with them and they reported lates. Impacted credit score dropped it 35 points and we are trying so hard to get our points up!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the 3 credit bureaus 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 the credit bureaus 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. XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00}
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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.