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

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXXoansIappliedfor Charge Off XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$400.00} Date Open : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$200.00} Date Open : XX/XX/XXXX XXXX XXXX {$680.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX {$1600.00} Date XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} Date Open : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$200.00} Date Open : XX/XX/XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$290.00} Date Open XXXX Repossession XXXXXXXX XXXX {$14000.00} Date Open : XX/XX/XXXX MN XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Reader. Thank you for allowing the submission of the complaint. 
While reviewing multiple credit profiles, the abundance of student loans has reflected severely on the credit profile. Fed Service Loan has overseen the placement of interest daily accruing debt. Understanding funds are dispursed at different times within the terms of the promissory note. The account numbers are mimicking one another. The failed practices are decreasing my credit, along with my creditworthiness. Fed Loan Service Co is no longer a service provider for the Department of Education. Failed continued actions have assisted with the decline in the score.
Product: Mortgage

I have been asking for a copy of the deed and luie paperwork I signed in XXXX Chase is constantly giving me the run around and just sending me a copy of my mortgage note as well they have marked up my credit. 
I am asking for the notary information who was there when I signed it as well a copy of the paperwork I signed off on. They refuse to send it.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate personal information in my file that resulted from an incorrect credit reporting but I still have ITEMS left that needed to be removed. The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that the five ( 5 ) unauthorized inquiries listed were still reporting in my file. The unauthorized inquiries are listed below along with the inaccurate personal information : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.
Product: Checking or savings account

US Bank- Check Fraud Amounting to over {$3000.00} I had repeated instances of people drafting stolen checks against my account from XX/XX/XXXX to XX/XX/XXXX. The signature was not mine, nor was it even a signature of my name. However, the bank released the funds out of my account. 

I reported each instance of the fraud to the bank and to the police, which took me an entire day to get documentation. I provided copies of the fraudent checks that were withdrawn.

After 60 days, USBank sent me a form letter disclaiming all responsibility and refusing to pursue action because the drafts were beyond 30 days.

This is check fraud! There is a 5 year statute of limitations, not one of 30 days.

I have provided all documentation that the bank was in error to accept anything without my signature, and I've been wronged. Unfortunately, I am just a small consumer against a behemoth bank that just doesn't care.
Product: Money transfer, virtual currency, or money service

paypal say money will be available in 30 day of limited. now they say 180 days waiting without giving me an explain of how i fraud paypal.
Product: Vehicle loan or lease

Harley Davidson Financial. Been paying 8 months on time and they haven't report the loan and payment history to credit report. Called them they say the been reporting it to the credit bureau so it your fault it's not showing.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXXXXXX Balance : {$0.00} 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

It has now been over 30 days since Equifax received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted. 

All correspondence attached. 

Thank you.
Product: Mortgage

I engaged Amerisave to refinance my primary residence on XX/XX/2021 due to their low rates after considering multiple lenders. 

My loan originator was very friendly, responsive, and helpful until I paid the {$500.00} application fee, at which at which point I got passed off to what seems to be an automated system with no one to answer questions. When I was able to get some sort of response from a person ( which was rare ), I received short answers that led to more questions, or they assured me they were working through things or exploring alternatives which never panned out. While waiting for answers to questions, Amerisave continued to send me many, many emails, texts, and even phone calls from other agents demanding that I upload documents that I had already uploaded before.

I am very credit worthy. I believe Amerisave either did not engage me in good faith and never intended to go past the point of collecting the {$500.00} fee or they have a broken system. Either way, this company is taking money from customers and not providing a service or product in return.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed have inaccuracies in reporting, including incorrect amounts and dates.
Product: Debt collection

My name is XXXX XXXX and I have lived at XXXX XXXX XXXX XXXX  XXXX Florida XXXX for XXXX  years, where I have maintained XXXX XXXX XXXX XXXX for several years. I also have my parents ' apartment where I have the same service at XXXX XXXX XXXX XXXX XXXX Florida XXXX. The payment process has always been perfect, up to date and automatic in both accounts for years and without any problems ( Verifiable Information ) However, Approximately XXXX years ago, an unauthorized XXXX XXXX XXXX fraudulent account was opened in my name in XXXX, Georgia where I have never even been to visit. Despite providing evidence, such as police records and other documentation, to demonstrate the unauthorized nature of this account, it appears that it is not in their best interest to accept this reality. The fraud Department of XXXX XXXX XXXX has not adequately investigated the matter. This is the XXXX  case and now the Company Radius Global Solutions, which I do not know and have never made a contract with them, on behalf of XXXX XXXX XXXX, have reported a new Collection account in the XXXX Credit Bureau, which has caused me great damage and frustration. It is unacceptable that XXXX XXXX XXXX is neglecting its responsibility to address this issue promptly and accurately even by showing you all the evidence that it is not mine. No matter how much I talk to the XXXX XXXX XXXX XXXX department, they don't want to listen to me, they leave me on hold for XXXX hours and hang up on me. As a citizen... If there was any law that protected me and if someone investigated these types of acts they could find the truth, I am a single woman and I keep all my payments up to date with a lot of sacrifice to maintain and take care of my credit and it is very unfortunate that these type of acts affect my credit score because it is something that can continue to repeat itself which will affect me in various ways in my future. I really hope someone here can help me. Thanks in advance. 

Account information : XXXX XXXX XXXX  # XXXX Radius # XXXX XXXX Police Case Report # PD XXXX Radius Global Solutions Phone # XXXX XXXX I spoke with XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

Original Acc XXXX XXXX XXXX - XXXX The service was connected in.. 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Open : XX/XX/XXXX Closed : XX/XX/XXXX Original Balance - {$560.00} Thank you very much for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received several monitoring notifications, stating that I have XXXX late payment with First Progress, even though I am current on all of my accounts. I had a credit balance a year ago, and I have not been using the card. This was a secured account that I paid {$1000.00} to open. The card that I have expired in XX/XX/XXXX, it has not been used, and I never got a new card.I also never received any statements or warnings about late payments. After getting the alert of a late payment, I logged into my online account and found this : RECENT STATEMENTS Date Description Amount XX/XX/XXXX LATE CHARGE FEE {$41.00} XX/XX/XXXXXXXX   LATE CHARGE FEE {$30.00} XX/XX/XXXXXXXX  MEMBERSHIP FEE {$49.00} XX/XX/XXXXXXXX XXXX XXXX XXXX DEBIT {$21.00} First Progress  is charging late fees on a membership fee that I was never billed for, on a card that is expired and can not be used. My last balance on this card was a {$21.00} XXXX  XXXX year ago. They charged a membership fee for a card that I can not use, and for which I never received a bill or late warning.
Product: Debt collection

I got a message from XXXX XXXX of debt collection when I did my research I found that it was from a leasing/rental company located in XXXX at la XXXX XXXX This place is located in XXXX Texas XXXX I disputed it with the Credit Bureau XXXX and XXXX. The 1st to respond by email was XXXX and they stated it was verified and accurate. I then called Genesis Credit Management and spoke with XXXX XXXX. Ididnt have an account number so he looked me up with the last 4 digits of my ssn and confirm my dob. When I advise him that this was fraud that I have never lived in TX. He then stated he could not disclose a lot of information due to this being a fraud/identity theft. He did state the person used my DOB and SSN. He also advise of a email and a phone XXXX. I advised that I only lived in XXXX XXXX and XXXX. He stated this problem started on XX/XX/year>. The phone # and email he provided are not mine. I have also contacted transunion and they could verity my credit information and it didnt match what they had either as to the address I lived in etc. they gave me this solution to contact FTC to dispute this identify fraud. I can show proof I have never lived in TX or visited. Also they used my maiden and previous married name. I have been married more than 5 yrs and since I have changed my name. I am verify proud of keeping my credit up to date. This has been verify upsetting to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 ACCOUNTS LISTED BELOW DEAR EQUIFAX, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

1. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 3. DEPARTMENT OF TREASURY ( FMS ) xxxxx XXXX XXXX. DEPARTMENT OF TREASURY ( FMS ) xxxxx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 6.. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # # # # # # # # # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  # # # # # XXXX
Product: Mortgage

I previously requested a letter from XXXX XXXX XXXX  regarding the incorrect reporting of a mortgage which they claim was delinquent ( 60 days late ). The letter provided was insufficient and lacked any details. These errors were reported to all 3 credit bureaus and negatively impacted my credit scores. The credit order # from my lender is XXXX, which reported my loan as delinquent ( 60 days late ), which pertains to a recent refinance through XXXX XXXX XXXX.
Product: Mortgage

Sun trust Bank did not send me a good bye letter, they did not inform me that my mortgage was being sold off to another servicing department or debt collector. I was never given any information at all in reference to this matter. I need some form of accountability on the part of Sun trust bank. After 15 years of payments to them and trying to work out a loss mitigation plan to help me keep my house they have done very little for me as a customer of this length of time. Have them get back to me soon as I still have no access to my old account. I am locked out of the system and do not have my XXXX form or any other financial information to file for tax purposes and for my personal record keeping. This is predatory lending tactics at best and there are laws in place now to protect homeowners.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reached out to Experian, XXXX, and XXXX to get inaccurate personal information removed from my credit report. I also sent out a letter on XX/XX/year> to all 3 credit reporting bureaus to removed the inaccurate personal information as well. I advised them that my one and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. All other address should be removed.
Product: Debt collection

I became aware of a lien on my property from a company i'm not aware of for a debt that i'm not responsible for.
Product: Credit reporting or other personal consumer reports

complaint # XXXX. This issue wasn't resolved. I would like my date of birth to be updated and previous addresses to be removed.
Product: Credit reporting or other personal consumer reports

I have no knowledge or approve this loan called XXXX that's on my account.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX XXXX {$560.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$560.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I'm a co-signer on a loan that was reprocessed and which i didn't know about. On my credit report XXXX and Equifax which I review on XX/XX/year> shows the address is wrong, the amount for the car is wrong. The car has been sold and wasn't told about it. Under the Fair Credit Report any incorrect current balance and incorrect credit limit should be corrected or removed from Credited report.
Product: Credit reporting or other personal consumer reports

Hello, I'm XXXX XXXX, and I'm submitting this complaint for the third time regarding my identity theft. Unfortunately, no action has been taken, and credit bureaus and companies involved haven't responded to my disputes. I feel my consumer rights are being violated, and as the victim, I can't get the help I need. If no action is taken, I'll pursue legal measures.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to purchase XXXX XXXX Tickets for {$350.00} through Wells Fargo 's online banking app via XXXX. The funds were sent to the recipients bank called XXXX XXXX XXXX. 

Within 30 minutes from making the transaction and NOT receiving the tickets I filed a claim with Wells Fargo to stop the transaction. Wells Fargo responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank ( XXXX XXXX XXXX  ) and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing Wells Fargo could do and that the claim was closed. I've asked them if they could verify that the stolen/illegitimate checking account could be shut down - WF says that is up to XXXX XXXX. XXXX XXXX  will not discuss another account with me because I'm not their customer. 

However, Wells Fargo did tell me ( and I've learned ) some interesting things. In the letter they said that my transaction was initiated on XX/XX/XXXX. It did. They also say that this transaction did not post until XX/XX/XXXX ( 2 business days later ). This was after my dispute was filed and after they " opened '' their investigation. Fishy. I have attempted to recover these funds with no success. I have also filed a police report. Wells Fargo also advised my to hire a lawyer. I am not sure why they would recommend this is as I believe they are advising me to sue their institution to recover my funds.