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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX XXXX XXXXXXXX - {$0.00} ( XXXX & XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX - {$0.00} ( XXXX & XXXX ) XXXX  XXXX - XXXX - {$0.00} ( XXXX  ) XXXX  XXXX - XXXX - {$0.00} ( XXXX ) XXXX - XXXX - {$0.00} XXXX XXXX  ) Personal Information Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX XXXX Employers XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX  Employers : XXXX XXXX XXXX
Product: Mortgage

I submitted a refinance with Freedom Mortgage XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX in XXXX 2016 to convert my primary mortgage from an FHA to VA loan. Freedom Mortgage sent an appraiser to appraise my home and charged me for the appraisal and they charged numerous additional fees for the refinance process. I was told by Freedom Mortgage it would take approximately two weeks to get everything processed. I heard nothing from Freedom Mortgage after two weeks and began trying to contact them. I called the assigned rep but could get no response. On XXXX XXXX I did contact XXXX XXXX, Assistant VP of Sales and he requested a credit card number and a XXXX -- XXXX of which I provided. XXXX XXXX then charged additional fees and immediately became unresponsive. 

I managed to contact a XXXX XXXX XXXX at Freedom Mortgage on XXXX XXXX and he stated he 'd get the process resolved. After numerous calls and messages, XXXX XXXX referred me back to XXXX XXXX -- who has remained unreachable. I have requested Freedom Mortgage complete the process and/or refund all the fees collected so I can get this processed elsewhere but Freedom Mortgage has refused to do either. I believe Freedom Mortgage has charged fees in excess of the VA allowance and has no intention of processing the refinance or returning the money.
Product: Mortgage

My mortgage specialist will not return my calls from wells Fargo.They seem intent to continue to foreclose without answering to my concerns .Borrowers with less of a circumstance have modified I am deserving of responses to my left messages
Product: Credit reporting or other personal consumer reports

All companies involved have infringed on my right to privacy as granted by federal law and failed to provide necessary disclosures. I have tried to resolve this issue amicably now I am requesting immediate action. Please correct this information from my credit file. XXXX XXXX XXXX Balance : {$82000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my husband and I  are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else's bad car loan.

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same.

Please help
Product: Mortgage

In XXXX, 2019 we applied for a mortgage loan with Secure Lending Services located in XXXX XXXX in XXXX Ohio. We submitted all documents. Few weeks later we start receiving letters of being " approved ''. Time goes by and closing date is not given to us.They start asking again and again for the same documents. One excuse after the other. Finally they ask for down payment which we wired to title agency. Another 2 months go by. More documents asked for. They pulled my credit 7 times without my authorization for the last 6.  They called saying they needed money so they can pull my credit again, that's where i draw the line and say NO. Appraisal done, documents submitted, down payment wired, and still no closing date. I decide to drop the deal and I call them and let them know. Then i start receiving texts and emails from them saying how they just need one last thing and that we should be able to close the deal. I had nothing else to tell them so I don't reply to messages. I had 2 brokers work on this matter and they where very irresponsible and unprofessional. I have a ton of documents, texts and emails to prove all of this which i could submit. They kept blaming FHA for the deal not closing. While I am filing this complaint i just open a letter from my mail and it is from them stating that they denied my loan for being incomplete.
Product: Mortgage

This is about a previously closed complaint, XXXX. 

I was sent a loan modification that stated my new loan payment would be {$2800.00} a month and that I had to pay the past due XXXX payment of {$3100.00}. I paid the past due escrow, and then UWM Changed the terms of the modification and increased my payment to {$3400.00} a month. 

I was told that the modification payment would be at or below my previous payment of {$2800.00}, and that is not the case. My payment has increased to {$3400.00} ( a {$560.00} increase ). This is unfair, and the entire process with UWM has been misleading and deceptive. This process has gone on since XXXX of 2023. 

They claim there was a tax and hazard insurance increase, but they should have known this when they did the modification and extended the terms of the loan or modification accordingly to keep my payments lower. I have been treated unfairly and misled. 

XXXX XXXX XXXX XXXX # XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Capital One Auto Finance refuses to correspond with me and the amount they tell me I owe when I call them is much higher than the amount they are reporting to the credit reporting agencies. They have even verified the lower amount after I disputed with the credit reporting agencies. They also have incorrect dates on my credit reports that do n't even match their own court documents that I was recently able to obtain. I have no way of knowing how they have come up with the figure they give me on the phone or the figure they are reporting to the credit reporting agencies.
Product: Debt collection

XX/XX/year> I paid off my first progress credit card it was in collections I paid it in full and they're refusing to remove off of my credit report I've been trying to reach out to experience doing disputes trying to remove off of my credit report there is no term date so I don't understand why it's not removed
Product: Debt collection

A collection agency called M. Leonard & Associates is wrongfully listing a collection account on my XXXX credit report. I disputed the account on XX/XX/XXXX with XXXX, and on XX/XX/XXXX, I received an email stating that the collection account was updated but not removed. I'm in the process of sending a debt validation letter to M. Leonard & Associates, with copies sent to XXXX and the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau Experian on XX/XX/23 by phone regarding an address that I never live there in my life. The representative told me they will not remove it at this time because I am disputing a creditor that associate the address in question XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I explained to the her, I have my license showing my accurate address. Also she can confirmed this with my mortgage thats on my credit report profile. How is this accurate reporting? 

Please can we do a proper investigation and fix this to reflect the proper information I currently have multiple disputes with all three credit agencies regarding this address I uploaded a photos to support my complaint My rights as a consumer are being violated under 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information
Product: Student loan

My XXXX  XXXX recently updated their website and that appears to be when problems started. I have 2 different loan payments each month. One loan is at a lower rate and the other loan is at a higher 6.875 % rate. 

In XXXX of 2018, I submitted both my payments on the website as usual. On XX/XX/2018 I received an e-mail that my loan was past due. I called XXXX immediately. I waited on hold for 30 minutes before reaching the billing department. They first informed me that their system rejected my payment. Then they told me that it applied the loan payment incorrectly and paid it all to one loan instead of to each loan. The payments were applied to the lower interest loan, while the higher interest loan is left as past due and accruing interest. They said the issue would be resolved in 10-15 days. 

Today is XX/XX/XXXX and I just received an e-mail notification that my account is 22 days overdue. The issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Debt collection

" Thank you for your complaint XXXX about XXXX/XXXX and  XXXX/XXXX ( Under same entity ). We've sent your complaint to the company for their response. '' This was from CFPB on XX/XX/2018. 

The company ( Collection Agency XXXX/XXXX ) responded with the attached letter and documents. Again, they never provided actual evidence I owe the money as XXXX XXXX, personally. The account is a Corporate credit card I was an authorized user. XXXX and XXXX and its subsidiaries have NOT provided evidence I am liable under the Fair Debt Collections Practices Act request for proof of debt liability personally. It is a corporate debt, not a personal debt. The collection agency as well as XXXX and XXXX have NOT properly verified the debt properly in violation of the Fair Credit Reporting Act Section 609 and Fair Billing Act and Fair Debt Collections Practices Act ( 15 U.S. Code 1692g -  Validation of debts US Code ) If not resolved through CFPB then I will pursue avenues through the State Attorney General and through my own legal counsel for damages under applicable law. Enough is Enough! I have asked several times for this to be properly investigated and proper evidence has NOT been provided. I am NOT personally liable for the debt.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report was requested on XX/XX/XXXX again and the delice still appears in XX/XX/XXXX.
Product: Bank account or service

BB & T bank is being unfair about how they are subtracting their transactions. The way they do it XXXX transaction can cause multiple insufficient fund fees. Their online account is very vague and when you call into the office no one knows really what is going on. I finally got ahold of a representative that knew what was going on. If there is XXXX in the account,,, there are XXXX pending transactions each for XXXX they subtract that from the XXXX first. So then there is only XXXX to pull transactions from. If there are XXXX transactions for XXXX there will be XXXX XXXX insufficient fund fees. Then there will be XXXX posted to your account. Then the next day, when the XXXX XXXX transactions go through there, will be XXXX more XXXX insufficient fees subtracted from your account. So that would be XXXX more dollars subtracted from your account. Half of the tellers can not even explain to you why this is happening,,, they do not get back with you after you call and they say they will find out and call back. I have had a huge mess happen to my account because of this and could not get my account straightened up because of it. There is no documentation sent to you telling you exactly what bounced and it is utterly confusing and wrong. I do know that XXXX has been sued for this practice. I feel taken advantage of by BBT and they are wrongly charging fees. Most people can not come up with the money to cover the fees when they are tacked on so they are gon na end up with more fees in most cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX Reporting late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX reporting late XX/XX/XXXX Equifax XXXX XXXX XXXX reporting late XX/XX/XXXX XXXX and XXXX In Accordance with the Fair Reporting Act these creditors has violated my rights under U.S.C 1581 section 602 states I have a right to privacy 15 USC 1681 Section A ( 2 ) consumer reporting agencies can not report an account without my written instructions 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
I have made at least 3 attempts to solve this issue before reporting to you XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have requested investigation that my credit report is inaccurate. Investigation came back as un-verified XXXX XXXX account and its not on my report, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately
Product: Credit card or prepaid card

I am having trouble to access my online account so I can managed and paid my balance since XXXX so I was being late. I tried calling customer service but all I get is answering machines. 
I am being Charged late fees and the company is damaging my credit score.

I know my Username name ID and Password but for some strange reason the company managed to changed my online account access. 
Please see attached documents. 
An email from Customer service with my username. 
Process of resetting my password showing a different username An automated email response to resetting my password with No CODE.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

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 card

I never applied for this account and feel my identity has been compromised. I have notified the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Digital Federal Credit Union ( DCU ) for knowingly reporting a fraudulent loan on my credit report, failing to conduct a reasonable investigation as required under federal and state laws, and ignoring my identity theft police report that proves I am a victim of fraud. 

Fraudulent Activity & Identity Theft Details This fraudulent loan was the result of identity theft committed by XXXX XXXX, a former family friend, who : Stole my wallet and obtained unauthorized access to my personal property and confidential information ( documented since 2020 ). 
Used my stolen information to fraudulently rent an apartment, open accounts, attempt payday loans, and make unauthorized purchases. 
Opened a fraudulent XXXX XXXX with DCU under my name without my knowledge or consent. 

XXXX XXXX was a trusted family friend, which allowed him to gain access to my personal information and commit multiple fraudulent acts over time. 

I have never spoken to or interacted with any representative of DCU regarding this loan. DCU failed to verify my identity and approved a loan based on fraudulent information. 

Despite submitting a police report confirming the identity theft, DCU continues to report this fraudulent account, violating multiple federal and state consumer protection laws.
Product: Debt collection

I work for a company that has a debt collector calling them. I answer the phone here and do not have anything to do with the companys debt. The debt is from 2013 and I was not with the company. They refuse to take my name off of the debt and threaten to take action on me and not the company because the company who gave them the debt to collect gave them my name. They have my name because I answer the phone. They call here everyday harassing me at work asking for me. the person who owns or sponsors the company is out on business and not available to contact them. Calls are continuous and are harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on Transunion. XXXX  inquires on XXXX credit report. XXXX inquires on XXXX.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX -Balance {$14000.00} XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Curacao ran my credit on XX/XX/XXXX and reopened an old account that was last used in XXXX and charged $ XXXX, then ran my credit agin on XX/XX/XXXX. 

I did not re-open this account. I contacted them but they seem to not care. Ive filed a police report and completed a notarized fraud affidavit with a copy of my ID and social security card so they can see it is not me who re-opened this old account. Ive also filed a complaint with the XXXX 

I visited the Curacao headquarters in XXXX  on XXXX, but the fraud investigator did not want to speak with me and the people there did not want o give me her name or email or phone number either. What kind of business is this that re-opens old accounts fraudulently? Ive explained I didnt re-open the account and the address they have on the account is in XXXX XXXX CA Ive never lived in XXXX XXXX Also the phone number is a XXXX area code and Ive never had a number like that. I gave Curacao a copy of my utility bill so they see where I live. I dont know what else to do to get this account closed and the address removed from my credit report. Please help me because who knows how many other victims there are as a result of this companys fraudulent practices.
Product: Credit reporting or other personal consumer reports

I called Credit Acceptance two weeks prior to talk about my account. The representative coaxed me into putting my account on a 6 month payment arrangement. Making payments every two weeks, knowing my account was not past due nor was any of my payments late. The representative told me that my credit would not be affected that my account would stay in positive condition as longs as my payments are paid on time. Now its reporting to my credit file as late payment.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX Account reference # XXXX. Account # XXXX. Account # XXXX ( Partial account ) Date opened : XX/XX/XXXX. Account XXXX : Collections. Status : XXXX account {$410.00}. Past due as of XX/XX/XXXX. Status update : XX/XX/XXXX. They said it was investigated and completed by a data furnished. This was sent by XXXX and XXXX. XXXX XXXX. This is being reported by all three credit bureaus. I'm not liable for this debt with XXXX. XXXX XXXX. I never had an account with this creditor and they only provided some of what I asked for in the letter ( validation letter ) it's been over 30 day going back and forth with phone calls then I started writing letters. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Equifax. I have repeat inquiry on my credit report too. I have my personal information on here I didn't give them permission to put that on here it's my privacy that's being violated.
Product: Debt collection

will not disclose what debt is for will not disclose what all fees/charges are
Product: Credit reporting or other personal consumer reports

The following hard inquiries are on my credit report and I did not give permission to the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX