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

Subject : Formal Complaint Regarding Discriminatory Practices and Unauthorized Access to Credit Report I am writing to file a formal complaint against your organization regarding discriminatory practices and unauthorized access to my credit report. I kindly request that this complaint not be closed without thorough investigation and resolution. 

I have encountered significant challenges over the past few months in attempting to rectify discrepancies in my credit report, specifically related to XXXX XXXX accounts and other unauthorized entries. My primary objective is to have these erroneous records promptly removed to facilitate my pursuit of homeownership and the realization of the American dream. 

As a minority XXXX woman, I am particularly concerned about potential bias in credit reporting. Notably, my social security number begins with a XXXX, and studies indicate that most minority social security numbers commence with a XXXX or XXXX, while non-minority numbers may start differently. This raises suspicions of discriminatory practices affecting my credit profile. 

Despite my persistent efforts, I have been unsuccessful in preventing XXXX XXXX and other entities from accessing my credit reports. I formally requested that your bureau block their access to prevent fraudulent activities. Regrettably, my requests have been ignored, leading to continued unauthorized access and monthly derogatory updates, adversely impacting my credit scores. 

I urge your immediate attention to this matter and request a thorough investigation into the discriminatory practices and unauthorized access outlined above. It is my expectation that the appropriate measures will be taken to rectify these issues promptly. 

I appreciate your prompt attention to this matter and anticipate a resolution that ensures fair and unbiased credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Through this prestigious agency and that we citizens have so that this agency enforces federal, state and local laws, I am writing to you seeking your support, since I have tried by different means to find a solution to this situation. trying to get this debt collector, which has had a very questionable record in its collection procedures in its past, since this same AGENCY, ( CFPB ) has investigated it several times for its questionable operations, finding violations in its financial activities, it is questionable that an entity like NationStar Mortgage LLC, or Mr. Cooper knowing FEDERAL, STATE AND LOCAL laws would violate, violate these laws, since they can not assume ignorance of it. 
Since for more than once this same agency investigated and fined her for said violations. 
I hope that my case will be investigated for purposes of legitimacy of the proceedings of this entity known as NATIONSTAR MORTGAGE LLC, MR. COOPER. 
I remain at your disposal awaiting a legitimate response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts not opened by me appear to be reporting on my report. I dont know what else to do to resolve my problem. I have listed them below. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

This account was reported as a collection/charge off and is affecting my score negatively. The reporting of this account is incorrect as i still see a balance after it was charged off. I urge reinvestigation and provide all the missing information. Also why is there a past due balance if the report show as charged off? This is a violation!
Product: Credit card

I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian credit reporting agency remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX Account XXXX : XXXX Date fraud began : XX/XX/XXXX An auto loan. Organization : XXXX XXXX  Account XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXXXXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX  Date fraud began : XX/XX/XXXX Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXXXXXX XXXX XXXX Account XXXX : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX fraud began : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a copies of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, and fraudulent accounts and inquiries have been made using my personal information. I am requesting immediate action to block and permanently delete all accounts and inquiries that were created or accessed without my consent, in accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

Below is a detailed list of the fraudulent accounts that must be blocked and deleted from my credit file : Fraudulent Accounts : Chapter XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} CAPITAL XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} DEPTEDXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATIONXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Wells Fargo was hit again with XXXX in fraud accounts again. I received in the mail on XXXX/XXXX/XXXX a letter from Wells Fargo letting me know about my new account with them. I have attached the pages from the letter for you. I called Wells Fargo three times once on the 26th to tell them that is not me and they told me it is a fraud account. The fraud dept. will contact you on Monday. I called again on Tuesday because they did not call me on Monday and again I was told they are in the process and will contact you on Wednesday. I called Wells Fargo again on Thursday XXXX/XXXX/XXXX still not heard from anyone at the bank. Again Wells Fargo said sorry that they will contact me end of week. The first time I called they gave me a case number # XXXX. I am getting the run around with Wells Fargo and I believe because they are the one 's who opened up this account.
Product: Credit reporting or other personal consumer reports

sent letters out to the credit bureaus XXXX, XXXX and Tranunion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX still no reply. Its been over 90 days. please delete and remove what hasnt been verified. 

XXXX XXXX XXXX verify the debt XXXX XXXX XXXX verify debt XXXX XXXX- account paid, creditor agreed to completely remove. 

XXXX XXXX XXXX- account paid, creditor agreed to completely remove.
Product: Debt collection

XXXX XXXX XXXX has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members. 
Midwest Recovery Systems is the current debt collector.
Product: Consumer Loan

I contacted USAA regarding a past due auto loan and advised I would like to voluntarily surrender the vehicle. USAA mailed the form to complete the repossession process. I completed the form and faxed back to USAA. I followed-up with USAA and they advised it is not cost efficient to repossess the vehicle at this time. They instructed me to write a letter of consideration to release the title for {$0.00} contribution. I faxed the letter of consideration to release title on XXXX/XXXX/16. I have called USAA multiple times and have been placed on hold for 30 minutes at a time or transferred to departments that are unable to assist me with my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been getting turn down for employment due to an adverse action towards me and im not aware of any pending case towards me nor am i in any legal situations with any one. Please help me and give me information regarding this adverse avtion towards me. I believe the information is not accurrate and or incomplete.
Product: Credit reporting or other personal consumer reports

I received an alert from several credit monitoring services that a new collection account was placed on my consumer credit reports from Eastern Account Systems , IncXXXX Eastern Account Systems , Inc has never contacted me by mail, phone or email about any debt, nor did I give them consent or authorization to access my credit reports from any credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed, as well as sent an Identity Theft Report to TransUnion in reference to a Bankruptcy and some unauthorized credit inquiries that are showing on my credit file, and I keep getting a verified response back from them. They are not advising of how or who they are verifying through. I have called the Superior Court listed in the BK and I 've been told that they do not report nor verify anything with credit reporting agencies, I have checked with multiple third party consumer reporting agencies to see if TransUnion have attempted to verify this item with them and I have been told no, because it would have been a violation of the FCRA since all of my consumer files have a freeze on them due to identity theft. So I am unsure if TransUnion has tried to verify or validate this inaccurate account that is reporting on my credit file or if they just say it 's validated because it simply appears. I 've asked for the name, address, and telephone number, of who they contacted in order to verify the information. I 've asked to be informed of the name and title of the person in which they speak to to verify the information, I 've asked was the verification done in writing, was a UDF form used, or was this through an electronic automatic dispute verification and were you able to reach them at the same address/phone number listed on my report? 

I 've asked all of these questions so that I could follow up to see what information I would need to supply to have this information corrected, but have yet to r'cve any of the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Bank has improperly maintaining my account information and reporting this information to different credit bureaus for the less 12 years. In so doing, my credit score was greatly affected.1 ). They had additional credit cards, etc billed to my account. 2 ) .The failed to maintain good banking records as required by law. 3 ) .I believe this was done due to my race
Product: Checking or savings account

We do not keep cash in the bank. 
My husband had to go to the doctor so used our bank account to pay. 
We had a cell bill go through so he put money in the same day as the bill came through. 
The money was in cash. 
It reflected same day, XX/XX/year>. 
The bank is refusing to reverse an OD fee. 
If we put money in same day why are they charging us a ridiculous amount of money as an overdraft. 
They said because Saturday is not a banking day, and also that it has to " process '' through but it did show on the attached it was put in on the SAME DAY. 
This is all electronic, and real time. 
Its criminal activity to do this to people. 
The person on chat, also attached, literally said it has to be same day. 
It was! 
Shady policies being done here by this bank.
Product: Vehicle loan or lease

I bought a new car from XXXX XXXX XXXX, XXXX, NY on XX/XX/XXXX. Financing for the loan on the vehicle was set up through TD Auto Finance. Payments were set at {$420.00} per month on the 10th of each month for a total of 75 payments that concluded on XX/XX/XXXX. I signed up for paperless billing and auto deduct from our bank account for payments. Contact was to be through my email account. 
Payments were started on XX/XX/XXXX. Payments were continued until XX/XX/XXXX where 2 payments were made. No payment was taken on XX/XX/XXXX. The next payment was taken on XX/XX/XXXX. Then no payment was taken on XX/XX/XXXX. As of XX/XX/XXXX a late fee of {$21.00} was charged to my account as we were now in arrears by 1 payment. I was unaware that we were now in arrears. Moving forward from that date our payment was taken out on the XXXX of each month except on a Sunday where it was taken out on the 9th. However with our account in arrears by 1 payment, we were charged an amount of {$21.00} each month. 

In early XX/XX/XXXX i logged onto my account, as the contract was concluding in XX/XX/XXXX, to find that whilst i had paid every payment except that payment on XX/XX/XXXX, i had been charged {$21.00} each month for the lack of that 1 payment. This had now accumulated to an amount of {$1300.00}. At no point in the 5 years and 2 months that my account had been in arrears had TD Auto finance contacted me to point out that i had an outstanding amount on my account and to ask how i was going to fix it either by email or regular mail. I have credit cards, have had personal loans and other financing options. If i have ever been behind the company has promptly contacted me to advise that an amount was outstanding and how i was to correct the imbalance. 

After discussing the issue with my wife we paid the outstanding fines which had now grown to {$1300.00} and the outstanding payment of {$420.00} on XX/XX/XXXX. 

I feel that TD Auto Finance intentionally did not contact me to allow the penalty to continue growing over the 5 years. If they had contacted me i would have paid of the outstanding amount. I fail to understand how it is ethical for a finance company to allow this to happen. If i did not make a credit card payment for 5 years i am sure i would have heard something much sooner. 

Furthermore on XX/XX/XXXX we paid the final three payments of {$1200.00}, for XXXX, XXXX and XXXX of XXXX. On XX/XX/XXXX we received a paper statement with an outstanding balance of {$89.00}. When i called on XX/XX/XXXX i was not able to get any reason of why this amount was due, even though i had paid all 75 payments of {$420.00} and paid all of the {$1300.00} in penalties. After speaking with a supervisor this amount was waived.
Product: Credit reporting or other personal consumer reports

I Reviewed my Consumer Reports and noticed that I had three payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  XXXX XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX and XXXX  XXXX XXXX.
Product: Debt collection

Ive contacted the company several times for possible settlement. The person that handles my case is using words like you dont get a reward for bills you didnt want to pay when I attempted to negotiate among other negative comments. The person used foul language and kept on making aggressive comments. I ended my conversation more than twice on the phone with him. 
I called the company and asked for a supervisor several times and was transferred back to him. I once spoke to someone claiming as a supervisor and she said she will listen to the recording of our conversation and call me, but I never got a call. They never transferred my case to another agent despite my complaint against this person. I even make a comment that I am trying to pay the debt and Asked why he was attacking me. 
I was in a bad place in my life and couldnt pay my emergency room bill in the past. Now, I am trying to get rid of my debts and work on my credit. This person not only blocked my efforts to do so, he is unprofessional and used his position to emotionally damage someone that has been through a lot of hurdles. 
His name is XXXX and the company refused to give me his last name. 
I would like to negotiate and pay off my debt, but this person is blocking me to do so. 
Thank you
Product: Credit reporting or other personal consumer reports

I CALLED THEM ALL XXXX XXXX, ABOUT A MONTH AGO AND NOTHING TO HAVE THIS REMOVED, THEY HAVE NOT REPLYED AS OF XXXX XXXX, XXXX CAPITAL ONE {$3600.00} XXXX XXXX, XXXX CAPITAL ONE {$470.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXXXXXX XXXX XXXX {$75.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I made timely payments for XXXX XXXX in XXXX. Additionally, I had deferred payments for both XXXX and XX/XX/2023. Also, I had a deferred payment for the month of XXXX and XX/XX/2023 from XXXX XXXX. Despite my repeated attempts to dispute these matters, the companies persist in reporting the accounts with late payments. 

Money Lion promptly updated the XXXX month, but unfortunately reported the month of XXXX as late. Although the account was settled in XXXX, they still persist in reporting it as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account in question, which was charged off in 2019. Wells Fargo is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but Wells Fargo claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score. I am asking Wells Fargo to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that Wells Fargo report to the three credit bureaus that I am not associated with that account.
Product: Credit reporting

I called exquifax on XXXX. XXXX, at XXXX time. to request for my credit score. Equifax refused to provide me any information I 'm entitled to access under the Fair Credit Reporting Act. I told the representative I 'm willing to provide a copy of my XXXX driver 's license, Passport, XXXX, Bank Statement and credit card statement, they still refused to provide me my credit report & score because I do not have SSN and I 'm not able to get XXXX. ( XXXX refused to issue me XXXX because of im on student XXXX and not allowed to work ) The Fair Credit Reporting Act states that I have the right to obtain my credit report and score, and it does not require a social security number. Name, address, date of birth is sufficient to locate credit profile ( XXXX provided my credit profile through those information ). Passport and Driver 's license should be sufficient to prove my identity. ( Sufficient for XXXX to prove my identity )