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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number XXXX, and an credit card account opened at XXXX on XX/XX/XXXX and a Credit account opened on XX/XX/XXXX at XXXX Bank accounts number XXXX and a XXXX Credit Card account opened on XX/XX/XXXX account number XXXX and a collections account opened at XXXX & XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent tems. I do not recognize the aforementioned accounts, collections, or hard inquiries as a rogue credit report maintained by you were not opened, made, or injared by mo. Al of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and a copy of FTC identity Theft Criminal Complaint # ( XXXX number as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries closed accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries and closed accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in regards to an account I believe was opened fraudulently on XXXX XXXX through the online dispute center trans union offers they still have not got back to me and it says dispute under investigation still I want this item removed they are not abiding by there own policy not only thats the law its been past 30days
Product: Credit card or prepaid card

Just a few weeks ago, Discover reviewed my Account, and my excellent credit and payment history, and increased my credit limit by {$300.00} to a total of {$2800.00}. I have a XXXX balance. On XX/XX/XXXX, I was told they had done another review, just a few weeks later, and found I had started a new unsecured loan, which was not true, and I had a new negative item, a medical bill. The medical bill was paid but the credit bureaus are slow to remove it. They ignored my excellent credit score and payment history, and the fact that they had given me an increase on my credit limit just a few weeks ago. This is the first time in 35 years of having credit cards that I have seen a company mis-treat their customers this way. They should be investigated. 







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Product: Credit card or prepaid card

on Tuesday XX/XX/22 i noticed that there were open accounts in my name from capital one i have never had or done business with capital one i am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with Equifax, XXXX, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia XXXX
Product: Debt collection

LVNV Funding LLC Account # : Unknown Amount : {$830.00} To Collection Manager : This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I  have willingly entered into any sort of agreement with LVNV Funding LLC and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & LVNV Funding LLC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless LVNV Funding LLC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

XXXX XXXX
Product: Credit card

saw on cr rpt inqury dont kn who this bank or what it was open for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate account from XXXX XXXX XXXXXXXX XXXX for {$1300.00} ( 3 times ) since XXXX18. This is an inaccurate account. I do not owe this company.
Product: Mortgage

I began my mortgage refinance on XX/XX/XXXX with HSBC. At the time my mortgage balance was {$270000.00}. My XX/XX/XXXX payment of {$2500.00} had not factored in and so the HSBC representative initiated the refinance paperwork with the XX/XX/XXXX balance of {$270000.00}. 
The following month HSBC had XXXX service the loan. This added a third party to the process and caused delays that resulted in my interest rate of 2.94 % extended twice since the delays were not my fault. 
For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made 4 payments of {$2400.00}. ( I stopped making the extra payments towards the principal during the refinance process. ) In total I made 5 payments totaling {$12000.00} before closing on my refinance on XX/XX/XXXX. This brought down my balance to {$270000.00}. When the HSBC representative called me to inform me of my closing date, I realized I was n't supposed to make the XX/XX/XXXX payment. He said I would have my XX/XX/XXXX payment refunded. 
When XXXX mailed me a " Payoff Refund '' check in the amount of XXXX, which arrived on XX/XX/XXXX, I realized this amount was roughly the difference between the starting balance ( XXXX ) and the closing date balance ( {$270000.00} ). I understand that based on the amortization schedule the 5 payments totaling {$12000.00} would only cause the balance to drop by {$3800.00}. I do n't have an issue with that. 
However, to keep the loan at {$270000.00} requires that I make an additional {$12000.00} in paymentsto bring down the balance to what it was on my closing date. This amounts to a hidden fee of {$12000.00}. Is this legal? The balance could have been revised to the closing date balance. ( A colleague of mine told me that is what his bank did with his loanwhen he refinanced. )
Product: Debt collection

I sent an email to RauschSturm LLP via their website requesting proof of the validity of this debt. They failed to provide any proof of this debt within the 30 day time limit and in fact never once contacted me. Today I received a summons from the XXXX XXXX Wisconsin court system stating that I am being sued for this debt. This is the message I sent to RauchSturm LLP. Their website clearly states they accept written requests for discourse and validity via email AND mail. I have proof I sent this request. I emailed them the following with personal information redacted for this complaint. 

My reference number is XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I want to dispute the debt you say I owe on a letter you sent me dated XX/XX/XXXX  in the accused amount of {$1900.00}. wish to request proof of my debt so that if I owe it, I can make arrangements to pay it. And if I don't, to have the chance to prove that. I request a statement.
Product: Consumer Loan

I reported my car stolen on XX/XX/2016 with the XXXX Police Department. When I called Skopos to let them know my car was stolen they said they repossessed it. When I asked why I was told I was 3 months behind - XX/XX/2016. When I faxed proof of payment and called back the next day I got XXXX the manager. She said she the gal I spoke to before told me incorrectly and I was 3 months behind. When I asked which 3 months, XXXX said she did n't know. I told her I reported it stolen with XXXX Police, and my insurance company and she said - you have insurance? I asked if I could get my personal items from the car and she would not tell me where I could get my personal items - coat, cds, or other items from my car. When the XXXX Police ran my information my car has never been reported as repo. Today I received a letter stating my car would be sold after XX/XX/2016. I have never received any type of payment coupons or notices from Skopos so I would still send in my payments. XXXX kept stating that I filed bankruptcy and that 's how my car was 3 months behind. I told her I filed bankruptcy over 2 years ago and asked why was n't I notified or why it was taken then. No response. I have an attorney that has been trying to contact them and will not return her calls. I have filed complaints with the XXXX Attorney General, XXXX Attorney General and XXXX. XXXX said they will contact the company but I have not received a response. NEVER get a loan from Skopos.
Product: Debt collection

On XX/XX/2018 I sent out a debt validation letter not a verification letter to Wakefield and associates asking them for validation.The letter arrived on XX/XX/2018 at XXXX the law states that collection agencies must provide proof the debt they seek to collect is accurate and they have the right to collect it.I simply stated This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I insisted that they provide me with competent evidence that I have any legal obligation to pay them and Validation of the debt. Also stated If invalidated all references to this account must be deleted and completely removed from all 3 major credit bureaus of my credit file and a copy of such deletion request shall be sent to me immediately. Within 30 days of me sending the letter they responded with a letter but it did not validate the debt in no possible way to prove I owe it or them. Now I'm taking the next step to get this inaccurate and non validated collection from hindering my credit file.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX Boeing Employees Credit Union XXXX XXXX XXXX XXXX, WA XXXX Subject : Formal Request for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the reporting of my account ( # XXXX ) to the credit bureaus. The information being reported is both inaccurate and incomplete, in direct violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies have caused significant harm to my creditworthiness and must be addressed immediately. 
Details of the Inaccuracies Premature Charge-Off Reporting : The account was reported as " charged off '' after only 60 days of delinquency, which is a clear deviation from standard industry practices and federal guidelines requiring at least 180 days of non-payment before a charge-off can occur. 
Inaccurate Balance and Charge-Off Amounts : The reported balance of {$7300.00} and charge-off amount of {$6400.00} are incorrect and do not reflect the payments I have made since XX/XX/XXXX. These figures fail to align with my account 's actual activity, violating FCRA Section 623 ( a ) ( 1 ) ( A ), which requires data furnishers to report accurate and complete information.

Failure to Update Payment Records : the XXXX XXXXXXXX paymen quiry. This is on to poom amanuary ot get as paymen are not elected in impression of my account status. 
Harm Caused The premature charan at a mi or all sere, inurang y abity to aces tinancial opportunities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of credi reporting. 
Requested Resolution Supporting Documentation To support my dispute, I have included : XXXX payments made sine XXXX XXXX account. 
Conclusion Boeing Employees Credit Union has failed to comply with its obligations under the FCRA, and I am requesting swift action to resolve this matter. The immediate removal of this account from my credit report is the only appropriate resolution given the circumstances. 
If additional information is needed, I can be reached at XXXX or XXXX. XXXX forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccuarte information on my credit file. There are several student loans that are reporting as late while they were in general forbearance. Every time i dispute these items they say they are verified but with whom? The loan servicer sent me documentation that the loans were in forbearance. They are other loans reporting late that were being consolidated and had a forbearance as well. The loan companies direct me to dispute with the credit agency and the credit agencies wanted me to get the loan agencies to update, Its just so much back and forth. The loan companies appear to have poor record keeping. They buy and sell loans and change owners and it get really confusing and the consumer gets hurt. The agent that I spoke with two days ago at XXXX stated that there was a variation of my social security number so that may explain somethings. I just dont know. I do know that I am tired of disputing over and over again. I feel helpless and at the mercy of the agency. And the data breech with Equifax has made things so much worse. I had unauthorized inquires and everything. I just do n't know what to do.I am sending over all of my documentation so maybe someone will look at it and take me seriously and help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently traveling, but wanted to go ahead to get a soft credit check for a solar installation quote. It was a total breeze to unfreeze XXXX for the quote. However it is utterly impossible to talk with Experian. I do not have the freeze pin on me. 
I tried calling too many times, at least 10 times during the listed working hours on Friday XX/XX/XXXX and Monday XX/XX/XXXX. It is completely and utterly impossible to speak with a person. I tried resetting my login to unfreeze online and it doesn't know my birthdate and social security number, both of which are obviously correct. I am also getting error messages with my correct email address again. It is imperative to speak with an agent, however, there is NO WAY to speak with a real person. The automated voice leads nowhere. It is unacceptable to not be able to solve problems in a timely manner. I can not move forward because of this issue. And phone calls to Experian are useless. Why is it not possible to talk with a person??? Total blocking of a phone connection should not be legal. Experian has unacceptable customer service
Product: Checking or savings account

This past summer, I received physical mail informing me of a promotional offer regarding opening a Wells Fargo checking account. Wells Fargo offered a {$320.00} bonus in exchange for opening an account and meeting the below qualifications : XXXX. Opening the account using their promotional link as found in my letter. XXXX. Opening the account by XX/XX/XXXX. XXXX. Connecting a direct deposit and depositing XXXX XXXX within XXXX months. I met all of the above requirements. I contacted Wells Fargo after meeting the requirements and they asked me to wait until the 3 months had passed for the bonus to deposit. The 3 months came and went but no bonus was deposited. I have since spent at least XXXX XXXX on numerous occasions throughout XXXX and XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on the phone with Wells Fargo customer service, in an online chat with their customer service, and to top things off, they asked me to come into a physical Wells Fargo location where they assured me they would be able to take care of this matter but did not - complete waste of my time. They have now closed my case claiming there was no promotional offer found on my account and that I must not have used their promotional link. I absolutely did. The link was " wellsfargo.comXXXX XXXX  and I would not have signed up for an account without ensuring I used their link. This is actually the second time Wells Fargo has reneged on a sign-up bonus. I had a similar experience opening up a credit card with them a couple of years ago and I was hesitant to now sign up for this offer as well, only for my fears to be confirmed. They responded to this complaint without reading any of it, instead only commenting about the credit card, and not addressing the new CHECKING ACCOUNT ISSUE. This complaint is about the CHECKING ACCOUNT BONUS THAT WELLS FARGO RENEGED ON. NOT the credit card bonus that they reneged on, as this was addressed over a year ago. I don't usually use all caps but the lack of attention to detail in Wells Fargo 's responses has been unbelievable. Again, I absolutely met all requirements and to claim that I did not is a flat out lie.
Product: Debt collection

I want to report an incident with Midland Credit Management, who has contacted me for the past two weeks. When I finally answered their call today, it was only a recording asking me to dial XXXX. I called the number and spoke with a representative, but there was a clicking noise. The representative asked me to verify my personal information, which I was only comfortable doing with knowing the reason for their call. Despite my hesitation, the representative insisted on confirming my personal information, and we got nowhere. I requested that they send me whatever they were referring to in writing, but the representative claimed they had already sent it to me and could not provide a date. However, I have not received any mail from Midland Credit Management, as I have a mail alert system allowing me to view my mail for up to a year. When I asked the representative to verify the address on file, he only confirmed that he could ascertain it but refused to provide me with it. When I persisted, he updated their file to say that I had refused to speak with him, even though I was the one who initiated the call. Midland Credit Management violated your rights under the FDCPA by failing to provide the required disclosures and by refusing to provide you with information about the debt in writing. Their attempts to verify my personal information over the phone violated my privacy rights under the law.
Product: Debt collection

No Contract Company has not Verified the debt according to the Federal Guidelines of The Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX AND EXPERIAN HAS TRANSPIRED AGAINST ME TO REPORT INACCURATE INFORMATION ON MY CONSUMER FILE TO STOP MY XXXX GIVEN RIGHTS. 

ON XX/XX/2023 EXPERIAN POSTED A COLLECTION TO MY ACCOUNT WITHOUT MY WRITTEN CONSENT OR A VAILD BINDING CONTRACT. CONTRACT LAW HAS TO BE MUTUAL ASSENT AND CONSIDERATION ( VALUE ). 

EXPERIAN NEVER DID A PROPER INVESTIGATION TO SEE IF THE INFORMATION THEY ARE REPORTING IS ACCURATE. 

ARTICLE 1 SECTION 10 OF THE CONSTITUTION STANDS AS TRUE AN NOT JUST A MERE WRITING. BELOW I HAVE WRITTEN A NOTICE. PLEASE READ AND REMOVE IMMEDIATELY FROM MY CONSUMER PROFILE. 

THIS IS IDENTITY THEFT AND WITHOUT A BINDING CONTRACT AND WRITTEN CONSENT YOU HAVE NO RIGHTS TO POST INACCURATE INFORMATION ON MY CONSUMER PROFILE WITHOUT A VALID AGREEMENT BETWEEN THE COMPANY ( XXXX XXXX ) AND I.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous account and inquiries that are not mine and were not authorized. I've attached the FTC report and have sent numerous letters to XXXX, XXXX and Transunion to no avail.
Product: Debt collection

Account number : XXXX Fair collections and out 15 U.S.C 1681 Section 602A states i have a right to privacy 15 U.S.C Section 604A states a consumer reporting agency can not furnish account wihtout my written instructions
Product: Debt collection

XXXX and Covington Credit is in violation of my rights According to 15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that governs how debt collectors communicate with consumers. This section prohibits debt collectors from communicating with consumers in certain ways without their consent, including credit reporting using a XXXX  party. They are attempting to collect a debt that does not belong to me.
Product: Credit reporting or other personal consumer reports

I am in the process of applying for a mortgage. The Equifax, XXXX and XXXX reportedmy mortgage inquiries assepartae inquiries. I submitted the mortgagerequeststo obtain the best rate all within a 45 day period. The credit bureaus arereoprtingthem as separate inquiries. I am allowed to shop for the best rate within a 45 day perod to reflect as XXXX hard inquiry. The credit bureaurs arereporting the mortgage inquires as seprate requests which have resulted in my credit score being lowered by almost XXXX points. I want the credit bureaus to accurately reflect that my mortgage application inquiries should be reflected as XXXX inquiry in my credit score.
Product: Checking or savings account

LVNV Funding LLC illegally garnished and close my checking account. This resulted in extreme hardship to my family. 

Moreover, LVNV Funding did not provide any warning of the garnishment or any way to inquire or settle the alleged debt. 

LVNV Funding is In violation of the consumer protection laws because they did not apply the appropriate state exceptions for garnishment. Moreover, LVNV Funding engaged in deceptive practices such as leveraging circumstances, unequal bargaining power to take an unreasonable advantage. 


The only remedy is that any garnishment amount should be reimbursed and my bank account reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are trying to refinance our mortgage and the mortgage company needs I to unfreeze my credit ( I was an identity theft victim ) at Experian. The PIN Experian provided, when I froze my credit, did not work online ; and the number Experian provided XXXX XXXX XXXX XXXX ) does not offer a way to unfreeze or speak with someone. The mortgage company has been insistent on this and I are frustrated with not being able to speak with someone at Experian to assist.
Product: Checking or savings account

On XX/XX/2024 I received numerous emails that a Chime account was set up in my maiden name. I had never heard of this company and did not request this service. I called them immediately and they quickly cancelled the account. But I have a problem with the fact that they allowed someone to fraudulently set up a bank account with my social security number, birth date, and incorrect name. Why don't they require a state i.d .? This company needs to be investigated.