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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$20000.00} XXXX XXXX XXXX BALANCED {$6000.00} XXXX XXXX XXXX BALANCED {$6600.00} XXXX XXXX - XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US 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, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Mortgage

On XX/XX/2021 a mortgage application was completed with XXXX XXXX XXXX XXXX, a mortgage lender, for a property located in XXXX, NJ ( XXXX XXXX XXXX, XXXX, NJ XXXX ). All underwriting conditions were completed within the same business day of the request. The lender made the initial guarantee to close in XXXX. The lender then requested the appraisal company take photos and appraise the comparable properties despite having no authority to trespass onto other properties nor the relevant to the mortgage application for the property. An appeal was made from our attorney as the condition is not relevant given the appraisal amount for the property in question far exceeding the XXXX amount and the property noted in good condition as per appraisal and inspection. Further, the mortgage lender waited until the date of the lock expiration to " find '' another condition as an excuse to charge more closing costs for the purchase. The mortgage broker ( XXXX XXXX, XXXX, XXXX XXXXXXXX ) handled business with the male applicant, and only would communicate the same information to the female applicant if directly requested by the male applicant as clear form a discrimination. The company is now requesting business records for any company with which either applicant is involved for the last three years despite business income not claimed as part of the transaction and K-1 forms already provided. Both applicants DTI, income, and credit far exceed the minimum requirement for this and any lender yet are met with poor communication, interrogations, and never ending unreasonable requests. The lender misrepresented and misled the borrowers about their ability to obtain a mortgage with the company, dragging the process out more than 45 days and preventing the borrowers from finding another mortgage company and costing the borrowers undue hardship for time, cost ( appraisal, inspection, lawyer ).
Product: Credit card

On numerous occasions since XXXX, XXXX I have asked Apple Card / Goldman Sachs to increase my credit limit. Ive had no late payments with this card, or any other credit card. However, when I apply to have my credit limit increased, I continue to get denied. 

On XX/XX/XXXX and XX/XX/XXXX, I applied for a credit limit increase with AC/GS. On both occasions, I received a notification that my request was denied. On both days I applied for a credit limit increase, Goldman Sachs used a credit report from XX/XX/XXXX for the credit limit increase request. It is interesting they will not pull a current credit report to evaluate a credit limit increase. I would think they would want to have current information, not information that is over nine months old. It is also noteworthy to mention that on my XX/XX/XXXX credit report, there were a number of errors that have since been resolved, and my credit score is significantly higher now. 

I have asked Goldman Sachs to resolve this on numerous occasions, and this continues to be an issue. 

The screen shot I have attached is from an email dated XX/XX/XXXX.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX In XXXX SC. The lender is Consumer Portfolio Services. The original purchase was for {$28000.00}. I have paid over {$40000.00} and still owe the company {$18000.00}. I did not realize the fine print of the car was {$12.00} per day for late fees. I was told that be a CPS representative 2 years ago. In past years I have been late because my husband was sick and I was the only person working. I can not find anyone to refinance or trade in because the car is worth {$4000.00} and I owe {$18000.00}. I am currently 2 months behind again. My payments are {$530.00} and thats {$1000.00}. The lates fees are {$700.00} so right now I owe over {$1800.00} for 2 months. I have filed a complaint with the XXXX   and they recommended I contact this agency as well. CPS needs to be investigated for these are loan shark practices.
Product: Credit card or prepaid card

Wells Fargo " acknowledges '' a " problem with credit card transitions ''. I paid off the balance of card, it did not register, rather what appeared is a different charge/balance that does not correlate with any charges made. Balance on card was XXXX. That balance was paid on XX/XX/16, but did not show up. I could not track this payment, so I paid the new balance, now XXXX. 
This is fraud. They need to pay back the money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All accounts above has violated my rights. 



15 U.S.C 1681 section 602. A state, 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 15 U.S.C 1681c 9 ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On or around XX/XX/2023, my mother, XXXX XXXX XXXX, had her mortgage transferred from XXXX XXXX XXXX XXXX to XXXX XXXX. As the Power of Attorney for my incapacitated and non-verbal mother, I had previously provided the Power of Attorney documentation to XXXX XXXX XXXX XXXX. However, it appears that this document did not transfer to XXXX XXXX during the mortgage transition. 

When I contacted XXXX XXXX  on XX/XX/2023, to discuss my mother 's loan, I was informed that I was considered an unauthorized caller and was instructed to email them the Power of Attorney document, even though they had received the loan information from XXXX XXXX XXXX XXXX. 

Subsequently, on XX/XX/2023, when I reached out to XXXX XXXX for assistance with my mother 's loan, I was again informed that I was an unauthorized caller, despite having submitted the Power of Attorney document on XX/XX/2023. 

Furthermore, on XX/XX/2023, I discovered that a payment made and initially posted on XX/XX/2023, was inexplicably reversed. When I contacted XXXX XXXX on that day to inquire about the payment reversal, I was initially informed that I was only authorized as a 3rd Party caller, and my ability to make account changes was limited, even though the Power of Attorney document was on file. Additionally, the representative was unable to provide a clear explanation for the reversal and suggested I contact the payment financial institution for clarification. 

After the call, I obtained proof of payment indicating that the payment had indeed cleared on XX/XX/2023. However, when I revisited my online account with XXXX XXXX, I observed that the payment was still marked as reversed. When I called XXXX XXXX on XX/XX/2023, to address this issue, a representative promised to escalate the matter but unexpectedly disconnected the call after approximately 30 minutes on hold. Consequently, I had to make another payment online on XX/XX/2023. 

Most recently, on XX/XX/2023, my attempt to make an online payment was met with a message stating that the loan did not exist. This recurring pattern of issues has raised concerns that XXXX XXXX may be engaged in deceptive practices.
Product: Credit reporting or other personal consumer reports

I have experienced Identity Theft. As a result, to protect myself I tried to freeze credit checks at the three major credit reporting bureaus. It was easy to do with XXXX and XXXX, though they started sending me unwanted solicitations as soon as I entered the data they required for a credit freeze. With TransUnion I spent hours both on-line and on the phone, over a period of several different days, trying to enter a credit freeze. Their website always ends me up on the page that says : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX XXXX XXXX XXXX  and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. '' Their phone lines have endless menus and then put me on hold for over an hour.
Product: Student loan

We had parent loans and went through periods where we were unable to make payments - job loss, XXXX due to 2 mortgages with the housing Crisis, unemployment in XXXX we were put in forbearance with accumulating interest. I have also worked 7 total years in not for profit hospitals. When I was laid off in 2014, at the age of XXXX, I was unable to get a FT job in a nonprofit. So those years get me no credit. At XXXX now, I cant get a new job.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest an entry on my credit report, which I believe has arisen due to identity theft. After recently reviewing my credit report obtained from your bureau, I have identified inconsistencies pertaining to the following account : XXXX - XXXX XXXX XXXXXXXX. I neither initiated nor authorized the opening of this account, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of this account. To support my dispute, I am furnishing the subsequent information : Identity Verification Documents, FTC Report and Filled out Form from your bureau. I kindly request that you furnish a written acknowledgment of the receipt of this dispute letter and keep me apprised of the measures taken to address this issue. While I understand that resolving identity theft disputes may necessitate some time, I implore you to expedite the process to mitigate any adverse impact on my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1980 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. 
Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2023, I was provided with written acknowledgment from Danoks, Gordon and Tucker to repay a debt in the total amount of {$2600.00} ( including fees and interest ). As of XX/XX/2023, I entered a written repayment plan to make 7 payments of {$370.00} to satisfy the amount owed with the first payment applied in XXXX. My first payment was made on XX/XX/2023, making the agreement effective and I have made a payment each month since that time ( as agreed upon ). As of XX/XX/2023, I received a new notice from XXXX XXXX indicating that the amount provided in writing on company letter head would not be honored and was no longer valid. She indicated that the debt amount had increased due to interest. There is nothing in the attached agreement or email ( from XXXX XXXX on XX/XX/2023 ) indicating that the amount owed would increase based upon a pier diem. In fact the amount of {$2200.00} does consist of interest as outlined in the written agreement, on company letterhead. I will continue to make a total of seven payments to satisfy the amount of {$2600.00} owed. However, a company can not provide an agreement and then change the terms of the agreement without notice. It is the responsibility of the debt collector to uphold the agreement as outlined. And this is not the case. At no time was I previously advised that the amount of the original debt would change based upon a daily interest. I was not advised the rate of daily interest or any other additional terms. Please review this matter to ensure that it is indeed within legal limits. I have asked for XXXX XXXX for documentation that I was provided indicating that the amount of the original debt would or could change based upon a daily interest rate from the collection agency and that has not been provided. This was requested on XX/XX/2023 and I have yet to receive anything were that was provided during the time I entered into agreement on or after XX/XX/2023. Nor is it outlined in the notice I was provided on XX/XX/2023.
Product: Debt collection

There is a collection on my credit report from an apartment in Tennessee. I do not live in Tennessee. When I call the collection company they tell me they can't pull anything up with name or social security number. I tried to dispute it with XXXX and they were able to '' verify '' the debt with the company. But no one at the company can give me any information. This is not my debt. I live in Alabama. I am trying to buy a house and desperately need this off of my credit report. No one can even tell me what I need to do. I tried contacting the apartment complex and was told that it is under new ownership. 
I tried to enter the last XXXX  digits of my social in the next step but it wouldn't let me. It is XXXX.
Product: Money transfer, virtual currency, or money service

It has been 3 years since I was contacted by a friend of a cousin, asking for a {$35000.00} loan to invest in his business. I tried contacting the bank to reverse the transfer as well as contacted a lawyer to take my case. I have not succeeded in getting my money back in both cases.
Product: Credit card or prepaid card

I was double charged twice for a purchase I had canceled. The merchant refunded only one of the charges. I filed a dispute 4 times with Barclays Red Aviator Mastercard and they kept sending me a generic letter saying I was refunded. I called 9 times talking to representatives, they all saw the error of the double charge with only one refund and filled a claim. 
The dispute department closed my case again with another generic letter saying that I received my refund!! 
I wrote a letter explaining that I was only refunded for one of the charges. 
They clearly did not do an adequate investigation, because I got the same generic letter again!!! 
No one from Barclays would call me. 
I Called again, a representative told me my case was closed and to write another letter. They also saw the double charge with only one refund, and opened another case ( 4th one. ) That was yesterday. They clearly did not read the claims or did a proper investigation. If they did they would see the double charge.
Product: Mortgage

My mortgage was sold by XXXX to Chase as of XXXX XXXX, 2015. With XXXX and original mortgage company, XXXX, I paid my mortgage biweekly. It was due to this free biweekly payment option and the mortgage rate that I signed up with XXXX originally. 
When XXXX sold my mortgage to XXXX, all the conditions of my mortgage stayed the same, including biweekly payment. With biweekly payment, I pay less in interest over the life of the loan and the loan is paid off sooner without any extra financial burden. 
Chase does not have the biweekly payment as an option! I called Chase, stated that this change of mortgage payment results in financial loss to me, and asked them to either compensate me, provide the service, or sell my mortgage to a company that can keep all the loan conditions as it was with XXXX. 
Chase responded that I have to accept their conditions! 
This is outrageous! I want to challenge the legality of Chase action. 

Please help me with this issue.
Product: Credit reporting or other personal consumer reports

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX XXXX $ and XXXX XXXX $ .These following accounts have 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
I would also need the removal of these inquiries listed below immediately as I were not aware of these either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Looks like somebody got in my city bank app and they logged in with him on the mission yesterday doing things they shouldnt and they deposited this check which is XXXX without my consent under my name so when Im receiving calls and says Im like what is going on I called Citibank a couple times but they wasnt picking up because looks like my car was already blocked and I was receiving the day after so I called and they said we cant do nothing about it because your account is being processed to close so you cant file a investigation, so I went to the branch I told him whats going on and I was doing but they still didnt listen so when my car was being close, I got paid XXXX and something and youre still have my money even to this day, were still talking they said it was gon na take the money which is a XXXX and something because they thought that was part of the money but I contacted Customer Service because the manager when I went to the bank she said to contact Customer Service if the check hasnt arrived yet my check hasnt arrived yet, so I went to the Citibank today and I called police like no ones picking up because they cant find my account because my account its already close. I put my Social Security in nobodies doing nothing about it I just somebody things gon na give me my money back. So when I tried to do everything in my power to not to get blocked and you still blocked my account and delete him account so I want to file a complaint because theyre not giving her money back I have ever seen your messages saying were gon na send you the shack nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid the balance with XXXX in the amount of {$550.00}, Bank of America in the amount of {$400.00}, and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) in the amount of {$10000.00} between XX/XX/XXXX and XX/XX/XXXX via checking account in a settlement in exchange for a removal from my credit reports including XXXX, XXXX and XXXX. However, it still reflects as a closed and delinquent account. Please assist with the incorrect reporting and removal of these accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX - XXXX both of these are collection accounts and I have not entered into an agreement with this company and is not the original creditor. Per 15 USC 1692 ( g ) or 15 USC 1681C-2 Attempted to request removal directly XXXX XXXX XXXX XXXX XXXX XXXX