23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Marcus by Goldman Sachs had closed 2 of my accounts. 
1. GM Rewards account 2. GM Extended family account because of an internal investigation in which was found to have me or in this case the identity fraudster violating their terms and conditions. 
I tried to reapply according to the agents on the phone stating I could reapply anytime I wish. My credit is enough for approval but I believe there is a system on Marcus by Goldman Sachs preventing it from going through. I experienced identity fraud on those two accounts I had with Marcus by Goldman Sachs, I would like the past to be resolved and start using the credit cards Marcus by Goldman Sachs has to offer without the identity fraudster 's doings getting in the way of my application. I already reported identity theft to the FTC and would like Marcus by Goldman Sachs to send me a new offer to get their credit cards that offer.
Product: Debt collection

Hello my name is XXXX XXXX. I have seen this collection account from portfolio recovery associates on my credit reports. This account is not mine and I need this to be resolved and removed asap. This collection account came from original creditor XXXX XXXXXXXX XXXXXXXX XXXX. None of these accounts were mine and these were fraud. I need this to be removed from my credit les as it is hurting my credit le when this account was never mine. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax today XX/XX/2020. They essentially told me that in order to have any access to services I needed to pay a fee. I am needing to place a freeze on my account due to ID theft ( already reported ) from  Texas unemployment. Even after explaining this situation they essentially told me that I would have to pay {$5.00} for trial access.
Product: Credit card or prepaid card

Comenity bank up dated there web page and now you can not login to your account. And the big issue is that I'm not the only one who is having trouble. And when you contact them you get a standard reply that doesn't address the issues. And now we are going to end up with late fees. Please help us with this issue. I have XXXX cards issued through them.
Product: Vehicle loan or lease

I have leased car with option to buy. At the end of the lease I contacted Audi Financial Services to inform them that I want to buy car out at the end of the lease. Usually you pay balance. Company send you title and then you register car at motor vehicle department where you pay sales tax on a balance of the payment. Audi Financial Services told me that now I have to go through the dealership where I leased my vehicle from ( Audi of XXXX XXXX ). That would be ok with me if Audi dealership would not charge me a variate of additional fees which adds up to {$1800.00}. This is highway rubbery. This is not first time I buy a car after lease, but I have never paid anything but balance amount on my lease. If Audi Financial Services outsource this buyout to dealership they have to compensate it not from my pocket but from theirs. There is nothing in my contract I have to pay from my pocket except balance which is indicated in my contract. 
Please help me and other customers to avoid blunt violation of our contract with Audi Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently sent you a request to reinvestigate incorrect items which you reported to the credit agencies. You ignored my request. 

Federal law requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days and the items remain on my report : XXXX  XXXX XXXX I will assume that I have not received your reply because you have been unable to verify this information. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Product: Credit reporting

XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.
Product: Mortgage

I am a small XXXX of XXXX XXXX consisting of single family homes and duplexs. My total mortgage debt includes XXXX on my primary home and XXXX on a single duplex. No one property will appraise above XXXX to qualify for a new loan yet i have a credit score above XXXX. I am easily covering the combined mortgage debt yet would like to prepare for any financial hardships arising from future unknown covid complications. I carry no debt, no car payments and excellent credit. If I XXXX  a XXXX dollar XXXX XXXX there would be options yet because no single property can attain that equity I seem at a loss. I have been told many times that there is nothing that can be offered and therefore I am posting here, My primary home loan is with Wells Fargo and my investment loan is with XXXX XXXXBoth are located in XXXX, NJ XXXX. It seems very unacceptable when i have clear deeded properties to use for collateral in excess of {>= $1,000,000} dollars and there are no options available including the operator at Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Product: Vehicle loan or lease

In  XXXX   XXXX  I purchased a  XXXX   XXXX   XXXX . In  XXXX   XXXX  the car was repossessed for delinquent payments. I paid {$980.00} to recover the vehicle and deferred the current payment (  XXXX   XXXX   )  to remain in a good standing making  XXXX   XXXX  the next payment due. A month later in  XXXX   XXXX  the car was repossessed and was not behind in any way shape or form. 3 days after the car was repoed  Westlake Financial r eleased the vehicle at no expense to me. I later filed complaints with the cpfb and for a few months  WF  responded. I have n't heard anything in months from them, On  XXXX   XXXX  WF repossessed and I was forced to file Bankruptcy ch.  XXXX  to recover the vehicle. WF are very unprofessional rude and just out right nasty. I have had only one rep to show some type of compassion or customer towards the situation. I am currently still trying to recover the vehicle.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows several credit inquiries that I did not authorize. 

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

I have address on my report that does not belong to me. I have never lived at the address stated on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo XXXX XX/XX/XXXX. Never have I lived in Missouri or XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company has failed to validate these accounts its been o we 60 days
Product: Debt collection

I received a voicemail today from a XXXX XXXX, who said she was calling from a firm XXXX and XXXX out of XXXX, TX. She called from XXXX trying to reach my husband XXXX XXXX. Her message stated : " I 'm reaching out to a family member regarding an insurance claim in my office involving a ... .a family member, uh, that has recently passed. If you could please, give me a call back directly at XXXX or toll free at XXXX. Thank you. '' I do not know what this is in reference to, nor do I plan to call back. I am appalled that someone would call and say that a family member has passed to get me to call back! 

The best I can find is that the company is XXXX. Reviewing feedback as best I can online ( which may or may be trusted ) says that this is a debt collection agency, they will do whatever they can for you to call back ( must be their effective methodology as touted on their website ), and that it has to do with a vehicle that may be potentially repossessed. We have no such vehicle, as we are current on both car loans. We have paid off our vehicles in the past, and had clear titles before trading them in. I 'm not sure who or what they need, but I will not be calling them back. 

Again, I am appalled that their methodology includes telling someone they are calling in regards to a family member who has passed away. My dad passed away recently, and it 's not a matter to be taken lightly. Just another example of how we ca n't trust those who call us.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

This company continues to call my place of employment. They have been asked to stop numerous times. I work in a XXXX.
Product: Debt collection

Ad Astra has been falsely reporting information for 3 years. Ad Astra did not respond to a debt validation request within the time-frame as set forth by the Texas Finance Code and FDCPA. I have attached a timeline and PROOF in the form of USPS tracking and successful faxes. They have falsified dates with the intent to deceive. They have IGNORED Cease and Desist letters that I have sent. I have also disputed with Credit Bureau with no results. It is my assertion that the credit bureau merely take Ad Astra 's word and do not truly investigate.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX  - XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Debt collection

I received notification through XXXX XXXX that a collection agency reported debt. In XXXX of 2020, my identity was stolen and they opened an XXXX XXXX XXXX  account. I disputed with XXXX  and their response was that they requested more information from the collection agency. I cent a certified letter to the collection agency, SEQUIUM ASSET SOLUTIONS , LLC, stating that I was a victim of identity theft. To this date, nothing has been resolved and the collection debt is still in my credit report.
Product: Debt collection

I went to the hospital in 2010 when I XXXX in a four wheeler accident. I had XXXX taken and was told it didnt seem too bad as I looked at the XXXX with the nurse. The doctor decided XXXX would be a good idea. I made the decision to not have the XXXX considering I had no health insurance at the time. When I was explaining that I would not need the XXXX, the staff and my father decided to persuade me to have the procedure. At the time they were giving the best help possible. I informed the staff and my father that I would be leaving without XXXX, and at this time they decided to hook me up to XXXX XXXX to prepare me for the XXXX. When the staff left I looked at my father and told him I am leaving, and now I 'm being billed not only for the x rays but also the XXXX XXXX which were hooked up after I tried explaining that I was not having the XXXX. I removed the XXXX and left the hospital.
Product: Mortgage

In attempt to take advantage of HARP i 've been attempting to get my home refinanced. My existing mortage holder ( Seterus ) has done everything to put up obstacles to prevent me from doing such. The latest is for my Loan Payoff, submitted my first request through my new mortgage provider ( XXXX ) on XXXX/XXXX/2015 and we still have not received the payoff that we requested and at least 3 other attempts have been made for figures. My closing was set for Friday, XXXX XXXX, 2015.
Product: Debt collection

On XX/XX/2021 I was contacted by my employer in regards to my earnings being garnished due to a collection of {$1300.00} owed to Midland. This claim was settlled years ago and cleared off my credit reports. I was not told about this until now since a XXXX contacted my employer. I spoke to all 3 credit bureaus and they have no debt in collection with Midland. I am being threatened to have my earnings garnished with no attempt to being reached personally. This claim has been settled years ago.
Product: Checking or savings account

my husband and I have received three letters from bank if America stating " we have made the decision to close your deposit account ending in XXXX ... ''. WE DO NOT HAVE AN ACCOUNT WITH BANK OF AMERICA.Also, that our names will be reported to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contributor : XXXX XXXX Contribution Ref # ending in : XXXX Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Checking Account Fraud The issue concerns the fact that XXXX bank has incorrectly classified my account as fraud. I have not committed fraud in any manner. I have not submitted bad checks or performed any other type of activity that would constitute checking account fraud. I have contacted the EWS agency and they have viewed the information. However, I have not received any response. The incident date is incorrect because the incident never occurred. 



Thank you
Product: Debt collection

I'm writing to express my appreciation to you for your efforts to have some of the false accounts on my credit report removed. But my gratitude is eclipsed by my intense anguish and despair over my identity theft dispute 's unresolved status. 

It is discouraging that not all of the accounts I am challenging have received attention, even though I appreciate the actions that have been performed. I'm left feeling unsettled and upset by this unfinished business, since it puts my mental and financial security at risk. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX  XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am aware of the complexity of these kinds of disagreements, but from my point of view, it is imperative to appreciate the seriousness of the circumstance. My credit report is being tarnished by these bogus accounts, which causes me more XXXX  and worry with each passing day. 
I beg you to hurry up and see to it that every one of the aforementioned accounts is looked into in great detail and resolved as soon as possible. Your undivided attention and diligence are needed to see this situation through to a satisfying finish. 

I anticipate receiving a written response to this disagreement letter and a promise that my identity theft accusations will be swiftly resolved. I demand that your agency respond in a timely manner as required by law, and I won't stand for it I look forward to a swift and comprehensive resolution that finally puts an end to this ordeal.
Product: Credit card

I am writing to formally express my concerns regarding a recent incident involving my Sephora Comenity Bank account. I was not informed of the updated status of my account, which was frozen without my knowledge or notification.

Upon contacting customer service, I spoke with employee XXXX XXXXXXXX, who informed me that the account had been frozen because I was reportedly deceased. This information understandably caused significant anxiety. The employee then spent approximately 10 minutes attempting to determine the reason for the error. Subsequently, I was transferred to a supervisor, who clarified that the employee had misread the word cease as deceased. 

This mistake is deeply concerning for several reasons. First, such an error should never occur in a professional setting, particularly when the implications are as serious as being reported deceased. Second, the incident caused unnecessary distress and could have led to legal complications had I not pursued clarification with a supervisor. 

I find it troubling that an employee who struggles with reading or interpreting critical account information is entrusted with customer interactions. Mistakes of this magnitude erode trust in your companys ability to manage accounts responsibly. 

I request that this matter be investigated thoroughly and that employee XXXX XXXXXXXX be held accountable for this significant lapse. Additionally, I urge your team to review and improve the training and oversight processes for customer service representatives to prevent similar incidents in the future. 

Thank you for addressing this matter promptly. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified  accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX  XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX   XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR :  XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX )
Product: Mortgage

Hello. I have a mortgage with Wells Fargo since XXXX. My husband died 4 month before the pandemic. Im the only one who pays the mortgage.

Did the paper work at Wells Fargo for refinance my mortgage so I can pay less mortgage and pay off my debts. At the beginning it was great, but before closing they staring to ask me for lots and lots of paper work and letters about my income. Then after a long 3 months of waiting, finally they told me that I can not do the mortgage because I dont make a lot of income. I felt very very discriminated and upset about this situation. I still pay my mortgage even Im a low income family. Is anything that I can do? 

Summer XXXX Refinance money amount XXXX Wells Fargo XXXX XXXX  Ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX HONDA XXXX XXXX, XXXX HONDA XXXX