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

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

Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, there were inquiries done by Reliable Financial Services , Inc. using my information, for a car loan. I did not authorize these inquiries and don't even live where these inquiries were made ( I live in New York, inquiries were made in Puerto Rico ). 

XX/XX/XXXX, there was an inquiry done by XXXX XXXX in XXXX XXXX, Puerto Rico,  using my information, for a car loan. I did not authorize this inquiry and don't even live where this inquiry was made ( I live in New York, inquiry was made in Puerto Rico ).

I have communicated with both entities and they have suggested that I file a complain with the CFPB. They say the inquiries do not appear in their records, but it does appear in my credit history.
Product: Payday loan, title loan, or personal loan

Suntrust issued two lines of credit using my identity in the amount of {>= $1,000,000} and {>= $1,000,000} Forgery by XXXX XXXX XXXX The first line of credit of {>= $1,000,000} was issued by XXXX, XXXX, and XXXX XXXX from XXXX XXXX on XX/XX/XXXX The second line of credit of {>= $1,000,000} was issued by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX from XXXX of my son XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX, XXXX, violated my rights by reporting fraudulent accounts on my credit report that they maintain under my social security number. 
FCRA 1681 ( 1681 ) a ( 3 ) ( 4 ) b, are the responsibilities of the consumer reporting agencies. At this time, I am asking for the fraudulent accounts to be removed from my credit report.
Product: Debt collection

I checked my credit and this account was in collections. I have no knowledge of this account nor did they send me notice or verify that this debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX Account XXXX, has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and wrote all three credit bureaus about the identity fraud that I was a victim to back in XXXX 2019 with a company called XXXX in the amount of {$17000.00}. Also I was victimized again on XX/XX/XXXX with fraud with a company called XXXX in the amount of {$26000.00}. I wrote numerous letters and sent police reports to Experian, XXXX, and XXXX  with no response. These 2 accounts are not mine and needs to be off my credit report immediately. Thank You
Product: Debt collection

Surrendered the car to XXXX XXXX XXXX XXXX in XXXX  in XXXX. I was incarcerated and jail in XX/XX/XXXX until XXXX, never heard from them. Now, I live in XXXX XXXX haven't heard from them until XX/XX/XXXX. The original amount was {$9000.00} and now they want me to pay the amount of XXXX, they have a lean on my house and they are trying to garnish my wages. The XXXX  Law Firm in XXXX is handling the case now. I have asked the original documents but they can not provide it and I thought it was a scam because it's been over 30 years.
Product: Credit reporting or other personal consumer reports

XXXX furnished and shared information without my written consent or given an option to opt out. All rights were violated under the free credit reporting act, and the consumer laws not being followed as the company XXXX removed a report upon request due to consumer law violations, but later furnished and shared The same information without notice it is my understanding that you are in violation of consumer laws under the fair credit reporting act you are violating my consumer rights and I demand the accounts be re-removed immediately due to violations of not notifying me and or producing any proof of contract
Product: Debt collection

On XX/XX/XXXX XXXX XXXX opened a debt collection of {$2100.00} from the original creditor 08 Capital One Bank USA. After 2 disputes and saying my dispute was resolved they would not remove this debt that does not belong to me. I asked them to show me information or signature to show the debt was mine. They sent me a a letter stating that any more attempts to dispute this debt will go ignored for it's a valid debt. I shredded the paper cause I thought I was stuck with a debt until someone told me about the cfpb.
Product: Debt collection

To whom it may concern, I am writing to you because the debt is too hard for me to handle, I am asking for a deferment and removal of the derogatory mark off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Vehicle loan or lease

I submitted an application in XX/XX/2023 for refinance information to upstart/XXXX Their refinance interest rates and payments were higher then my current lender. 
So I decided to stay with my current lender. Now I come to find out that upstart/XXXX paid off my current loan in XX/XX/2023, WITHOUT my authorization. Five months after the fact. 
XXXX states paperwork was signed electronically, which I have NO knowledge of. Im XXXX years old and hate computers, I basically use them for email due to not being able to use a phone due to XXXX XXXX XXXX Also the State of Texas DOES NOT accept electronic signatures. When I requested a copy of the LIMITED POWER OF ATTORNEY, the signature is not even close to my signature, someone at their company must of signed my name because its not in NO WAY close to my signature. I would never have agreed to their terms of a higher interest rate and payment. They are running a SCAM! 
NOW they are threatening REPO. Causing undo stress, this vehicle is used to transport a XXXX person for medical care
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 to 60 days past due on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

I used a CITI credit card to pay the down payment to a XXXXontractor ( XXXX XXXX XXXX ) to work on my house. After the first day it was obvious that he did not know what he was doing. I fired him and instructed CITI card to cancel my down payment ( {$2000.00} ) CITI card decided to do nothing. I am suing the contractor because he presented a false profile and false references on XXXXXXXX XXXX XXXX and did unprofessional work. I am also filing complaints against XXXXXXXX XXXX XXXX because they presented a false profile of this contractor and many false references. The problem with CITI bank is that they did not investigate anything. I am suing XXXX XXXX XXXX  for my {$20000.00} back. I am also pursuing a complaint against XXXXXXXX XXXX XXXX and I want to file a complaint against CITI Bank. They failed to represent me fairly in this case and it is costing me time and money. I want to sue them for that time and money,
Product: Credit reporting or other personal consumer reports

There is a personal loan on my credit report from Affirm in the amount of {$10000.00} opened XX/XX/year>. 
I have no knowledge of this loan, I have never taken a personal loan in such a high amount. 

Ive recently started checking my credit report for errors a this is an error. 
I opened a dispute with XXXX to get this error corrected but XXXX ignored my evidence and my statement and within less than XXXX reported back that the account is accurate. 

I submitted bank statements as proof that my account never received any such deposit. 

I gave a detailed statement that I never opened that account. 

My fico score isnt high enough to get a {$10000.00} personal loan. 

It seems to me that the investigation ignored all the obvious evidence that this is not my loan account. 

I can also submit bank statements proving that the alleged loan repayments XX/XX/year> never took place. 

XXXX knows this to be true since I have had an account on their app since before XXXX. Along with my XXXX XXXX account linked to it. 
Any real investigation would have shown what Im saying is true.
Product: Credit reporting or other personal consumer reports

I have never had a good and fair score because of doctors bills that I don't even no about is on my credit I've never gave these agencies the concent of my signature or my depth when I had insurance I steady get spam calls all day long had to change my number over it they even hacked my other accounts besides all that I can't even get my kids a nice house because of my horrible credit I like a change and I believe I can be in titled to my credit to be fix or refund I never gave these agencies concent to take a debt that I have no idea why I'm being charged for it my life is gone ill never fix my credit
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

Card company changed my billing date, moved up XXXX day so this company could charge me late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REFERENCE TO MY PREVIOUS COMPLAINT # XXXX, I JUST TRIED AGAIN TO SUBMIT AN ONLINE COMPLAINT/DISPUTE THROUGH TRANSUNION 'S WEBSITE, TRANSUNION.COM, AND I CAN ONLY GET AS FAR AS ENTERING MY EMAIL ADDRESS AND CHECKING FOUR BOXES, AND THEN WHEN I CLICK " CONTINUE, '' NOTHING HAPPENS. NOTHING HAPPENS AFTER I REFRESHED THE PAGE FOUR TIMES. ABSOLUTELY NOTHING. THIS COMPANY IS OUT OF CONTROL. HELP! TRANSUNION ADDED A FRAUD ALERT TO MY ACCOUNT, AND I NEVER EVEN CONTACTED TRANSUNION REGARDING A FRAUD ALERT IN THE PAST YEAR. WHAT IS GOING ON?
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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-2 ( 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: Credit card or prepaid card

Reference case # XXXX. 

This was closed prematurely and I have been continually trying to follow up with Chase before re-submitting here. 

Please investigate my dispute according to the original case, thank you.
Product: Checking or savings account

I have filed a dispute with CHIME banking regarding the following info : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$6300.00} and Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1000.00} Chime has refused to offer me a temp credit as well as any investigation into the matter. 
I have provided them with the following info : *police report *personal statement *witness statement *Apple acknowledgment letter of the account being compromised *letter of acknowledgment from ( XXXX ) merchant that the fraud occurred *letter from Chime that the merchant tried to refund me but the name didn't match the name on the refund so they returned the refund because it was fraud. 
* Email communication *letter to the executive office This has happened on both my Debit Card and Credit Card builder ( secure credit card ) so Chime spit the claims but they continue to deny both of my disputes for no reason provided even after the XXXX waiting period. I have even spoken to management and supervisors each time adding more and more layers of information. 
the back office will deny my claim without even looking at the info provided well I'm still on hold with the dispute department on the phone. I have filed over XXXX rebuddles and it continues to not be addressed. no one in the company is willing to help or come up with a person who can help..
Product: Mortgage

Applied for a loan with XXXX XXXX, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by Quicken Loans, although the {$1800.00} in fees was higher than on the GFE. Quicken issued several subsequent GFE 's, each one incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via USPS on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of XXXX XXXX the morning of XX/XX/XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not what was verbally quoted nor in the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed XXXX, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
XXXX XXXX did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred on the loan issued by Quicken Loans were {$1800.00} more than originally quoted by XXXX XXXX. 
Complaint : Despite numerous requests through our loan broker for a corrected GFE, Quicken Loans did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. The HUD statement was also not issued until the very last moment, not allowing time for any corrections without delaying closing. 
An aside, XXXX XXXX advised that information from Quicken was sent via USPS and e-mail, however, no e-mail was ever received from Quicken Loans. 
I believe that this issue is an unethical practice.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CREDITOR XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX ACCOUNT NUMBER # XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Student loan

On XX/XX/year>, I requested that MOHELA either reissue the missing check from XX/XX/year> for {$650.00} or credit my account with the payment and they have done neither. I have also contacted FSA regarding this matter on several occasions and nothing has been done.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



SECCREDIT Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Email sent XX/XX/XXXX : I am having a recurring problem when trying to add an employee card to my AAdvantage Aviator Business Barclays account. I get an error message : " Employee not added. The information you have entered is incorrect. '' After spending two hours on the phone and speaking with eight employees over the past two weeks, I still can not add my employee.

I don't understand why the information I enter is incorrect about one of my employees? Also, why has no one been able to resolve this issue? 

XX/XX/XXXX Spoke with XXXX  Supervisor opened XXXX # XXXX was told she would follow up with me however yet to hear from her. Spoke with XXXX  Supervisor opened Case # XXXX regarding Employee Card Point Extension, was told would follow up however yet to hear from her. 

XX/XX/XXXX, and XX/XX/XXXX Received calls from XXXX  from Barclays Office of the President was provided a callback phone number, however when calling it goes to a general voicemail and I have left several voicemails. One voicemail in particular detailed a good time window and phone number to call me at, however yet to speak with XXXX. XXXX  stated in her first voicemail on XX/XX/XXXX she would follow up with an email, yet never received one. On XX/XX/XXXX received an electronic letter from XXXX  stating to call her to manually add an employee card, as technical difficulties still exist for me or regular credit card representatives or supervisors to add one. However, once again when trying to reach her it goes to a general voicemail. I sent a comment to her electronic letter and have yet to hear back. 

XX/XX/XXXX Comment sent to her electronic letter : XXXX, I have attempted to contact you several times via phone and each time it goes to a general voicemail. In your initial phone call, you mentioned you would be sending me an email which I never received. I hope you can assist in adding my employee and providing a refund of my annual membership fee, and providing non-monetary relief in compensating points given the exasperating experience I have incurred. I have included the employee information below to manually add the employee card. Also after speaking with several representatives they assured me that as it has passed 30 days to add the employee card due to failure to be able to do myself or any representative I would still be able to receive the sign-on offer. 

XXXX  and prior representatives have failed to follow up on Case # XXXX regarding Employee Card Point Extension or Case # XXXX. 

I have made every attempt to contact Barclays, by phone, email, and voicemail, yet no one is able to assist or provide an update on the cases. Further, I am not able to reach XXXX  Office of President associate who states she is the only person who can help.
Product: Payday loan, title loan, or personal loan

I call to Island Finance/XXXX XXXX  in PR. They denied my pay off balance by phone, online, email or regular mail. 

They obligate go to the branch to get the pay off balance. Its not fair.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 a wire transfer was initiated from my account in Citibank USA to my account in XXXX in XXXX XXXX. To this day, the funds are not available in the XXXX account. 
I have been in contact with both, XXXX branch in XXXX XXXX and with Citibank. They provided no solution yet. 

I am both the sender and the recipient. 
Last month, I claimed a reimbursement to Citibank and their answer is that the funds were made available to the recipient by XX/XX/2020. 

Looking forward for a positive solution on this matter.
Product: Debt collection

Original creditor continues to sell collection included in a XX/XX/XXXX chapter XXXX discharged bankruptcy. The new open collection has been removed in the past and returned under a new company. The collection is from XXXX XXXX and should be deleted and not appear as an open collection,. I disputed with XXXX and status remains open and states consumer disagrees it should not be open. Creditor needs to close or delete collection per BK law or be fined.