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

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : I have recently checked on my credit report. I believe that I've been a victim of identity theft, and found numerous accounts and credit inquiries, which I have no knowledge of. I conrm that these accounts and inquiries were made without my authorization and I request that they be removed from my credit report immediately. Here is the list of the following inquiries that I wasn't able to add under the additional information tab : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I refinanced my house through Quicken Services in 2005 and noticed that the amount of interest paid monthly was the same even though I was paying on the principal even after several years. They explained that this was normal. 
I later discovered that this was an interest loan that is generally targeted towards wealthy people who make over XXXX a year. 
I did not want this kind of loan since I have never made this kind of money and now I am told through my legal insurance that these thieves made this the norm and walked away with the blessing of the banking industry. Regardless of the fines that these people supposedly paid I have yet to see any of that money or compensation for their dishonesty. 
I am a military veteran with over 40 plus years working in XXXX and I do not make that much money. Please help. 
I am attaching the loan document from Quicken.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that 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 XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with XXXX & they have failed to remove the item
Product: Credit reporting or other personal consumer reports

I obtained an account from ACIMA XXXX years ago. I got behind once I got laid off from work and then I caught it up once I went back to work and started paying on it again. I noticed that I was paying more for the items than I should so I questioned the items. I informed them of all the items I had purchased to sell inside of my store and they responded that I could not sell the merchandise until I paid them off. I informed them that I bought the merchandise from a wholesaler to sell in my boutique ; that was the purpose of purchasing the merchandise. They informed me that I could not sell the merchandise and I could return it. I informed them that I paid over what the amount of the purchase was and I refused to continue to pay on something I could not even sell. The merchandise went on to be outdated so I could not sell it so I lost out on over {$1400.00} in sales and they refused to compensate me. They informed I could send the merchandise back and I asked for my money back. They said that they could not compensate me for anything that I spent or the merchandise that wasn't sole. I filed a complaint with BBB previously and Acima agreed to label the account as paid not written off and then I checked my credit report and they stated I still owe a balance, which is far from true. They even added a new account when I only had XXXX that wasn't paid due to them owing me money. The wholesaler never informed the customers that we could not sell the merchandise we purchased. I had to stop the sale of items at my boutique due to this so I am out of {$1400.00} in sales. I sent in evidence of the paid account and the complaint previously filed and they will not correct my credit report at all. I need for Acima to reimburse me {$1400.00} I lost out. I can also send the merchandise back. They will need to pay for shipping costs, taxes, and loss of sales and inventory. They also keep sending me emails to pay tem for something I do not owe them.
Product: Credit card or prepaid card

I initially complained about Synchrony Bank in early XX/XX/XXXX. See attachment letter XX/XX/XXXX. I've remained in good standing. Since the have reneged on the terms in the letter of XX/XX/XXXX and manipulated my account making it so I'd be subjecting to paying more than the XXXX month on some bogus fees from when I requested a waiver of a late fee whixh they granted as a result XXXX weekend receiving/processing issue obviously. 
So they been charging me fees as a result thi issue where asking for a payment of about XXXX higher than ever before. Also in retaliation they ran my credit WITHOUT MY PERMISSION and lowered my avail credit from bout XXXX to XXXX impacting my credit score cause now my balance is higher to a ratio. I am trying to pay the card off because I dont want to do business with a scandalous company and they also penalized me for this. I just want to be DONE WITH THEM HOW IS THIS KIND OF PRACTICE LEGAL! THEY SOUND XXXX OWED ARE THEY ILLEGAL ALIENS!!?? Please investigate, again. I'm on ss XXXX and tired this stressful XXXX!!!! 

I also have an issue when I called bout thie issue on XX/XX/XXXX XXXX the rep was arguing with me like wth PLEAS PULL THE RECORDING ESA WAS OUT OR ORDER!! THIS NEEDS BE ADDRESSED ARGUING WITH CONSUMERS LIKE THAT NOT LISTENING TO THEIR COMPLAINT KEPT CUTTING ME OFF!!
Product: Payday loan, title loan, or personal loan

They didn't give me a full refund after my cars got pay off with the company, such as extra things I had to get when I got the loan..
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed an unauthorized inquiry from XXXX XXXX of XXXX on XXXX  I never gave this company written or verbal permission to access my credit.
Product: Mortgage

I applied for a cashout refinance mortgage loan with lending.com, through Finance of America Mortgage LLC on XX/XX/2019, promptly submitting all requested documentation. My husband and I have successfully finalized approximately 30 mortgage applications, 2 within the last 5 years, so we are very experienced with this process. This is the first consumer complaint I have filed in my lifetime. 

I complied with the stated request from the prospective lender : Here is what we need you to do for uswith the IRA asset in your name., we need you to set up a distribution of so we can get an approval. Once you close and this has funded, you can discontinue to the IRS ( sic ) distribution at your convenience.

Once that was done, the prospective lender issued a Closing Disclosure, issued XX/XX/2019 with a closing date of XX/XX/2019, with a loan amount of {$270000.00}, interest rate of 4.125 %, with points at .375 %. 

A few days later, I received an email which said I did not qualify for the loan specified in the Closing Disclosure after all ( which had been offered to me if I set up the IRA distribution ). Rather, I qualified for a significantly smaller loan. Additionally, I was offered 4 other loan options from which I could select. 

I called the president of lending.com, and discussed the numerous errors made by the lending staff throughout the application/closing process, most of which are documented by approximately 200 emails. 

Among the many errors are a {$700.00} appraisal fee as opposed to the {$470.00} signature-authorized VISA payment. Additionally, when a {$33000.00} closing cost was challenged by me, the lender explained it was only a typo. 

I told the president of XXXX that I believe I am a victim of age/sex discrimination in this transaction since I am a XXXX year old woman sole applicant. He said he would have two senior officers review my file. 

A few days later, I received yet another Closing Disclosure, issued XX/XX/XXXX with a closing date of XX/XX/XXXX, with the same loan amount, same interest rate, with points now at .5 % ( an increase of {$350.00} ) which I signed and submitted, pleased that the lender was honoring the companys previous commitment. 

The lender responded to my approval regarding the Closing Disclosure ofXX/XX/19 by  stating : That was simply a redisclosure. We need you to choose one of the 3 options that I gave you to move forward. ( 1 of the 4 options seems to be no longer available. ) We extended it for a short amount of time as a favor to youlikelihoodthere will be a significant cost to you to extend again ( He made no mention of the increased cost of {$350.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my Name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX. XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX 

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 reporting, credit repair services, or other personal consumer reports

I have a inquire from XXXX XXXX XXXX on XX/XX/2022 I did not authorize. 
I have contacted TransUnion on multiple occasion to remove this XXXX XXXX  XXXX COLLECTION ACCOUNT because it is fraud I have contacted TransUnion many times to remove this XXXX COLLECTION ACCOUNT because it is fraud. 
I open a fraud report that is attached to this complaint
Product: Debt collection

I have repeatedly asked Consumer Portfolio Services to stop calling myself and my family members to try to reach me regarding the debt I owe them. I have already spoken to one of  their representatives back in XX/XX/2019 and have agreed upon a repayment plan. However, they continue to call me and my family multiple times per day in order to reach me regarding the outstanding amount owed. I have asked on multiple occasions for them to stop calling me, but they continue to call constantly.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally register a complaint regarding the conduct of OneMain Financial concerning an alleged debt ( Account # XXXX ). On XX/XX/year>, I sent OneMain Financial a detailed letter disputing the alleged debt and requesting validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Michigan Collection Practices Act ( MCPA ), MCL 445.251 et seq. 

In my correspondence to OneMain Financial, I requested the following information : Proof of the Alleged Debt : A copy of the original signed agreement or contract that created the debt, including all terms and conditions. 
Detailed Accounting : An itemized statement showing the original amount, any interest, fees, or additional charges, and how these have been calculated. 
Chain of Title : Documentation tracing the complete history of the debt, including all assignments, transfers, or sales. 
Authority to Collect : Evidence confirming that OneMain Financial holds the legal right to collect this debt, including any relevant licensing information required under Michigan law.

Securitization Information : If applicable, all documentation related to the securitization of the debt.

Despite my clear request, I have concerns regarding OneMain Financials compliance with these requirements. Their continued actionsincluding maintaining communication about this disputed debtmay represent violations of both federal and Michigan state laws. 

I am seeking your assistance in investigating OneMain Financials collection practices to ensure that they fully comply with all applicable regulations. For your reference, I have attached a copy of my original letter to OneMain Financial. 

Thank you for your attention to this matter. I respectfully request that you confirm receipt of this complaint and advise me on any further steps needed to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my previous CFPB Complaint I submitted on XX/XX/XXXX. On my CFPB Complaints, I requested that the Credit Bureaus remove the fraudulent accounts and information that are reporting on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit file. Although that some of the disputed items were removed, there are still accounts that remained and should also be removed from my Credit File. The Credit Bureaus are expected to comply with the Federal law and have the disputed accounts removed. Once again, I was a victim of identity theft and the disputed accounts and information were the results of such crimes, therefore the Credit Bureaus must remove the fraudulent accounts and information as soon as possible. Here is the list of fraudulent items that should be removed as soon as possible : XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX  Transunion XXXX XXXX / XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage company is Selene Finance unfortunately. I have not received a monthly statement from them Since XX/XX/2018. I have called several times and e-mailed their customer service. I have contacted them in one form or another XXXX, XXXX, XXXX and XXXX. They always give me an excuse that they are having technical problems processing statements. I have been sending to their original address my payments/check with a note/account # attached. 
I now have property taxes due that usually get sent to them to put in escrow. I am at wits end! Please Help! Are they breaking the law refusing to send me monthly statements? 

I am not in bankruptcy and have never missed a payment! I am not computer savvy, please tell me where I can seek help. 

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

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX  XXXX  XXXX XXXX {$440.00} COLLECTIONS XXXX {$4200.00} DEPTEDXXXX  XXXX {$1700.00}
Product: Debt collection

We took out this interest only XXXX in XX/XX/XXXX. The interest rate went up so high we were having trouble paying it. We tried to refinance it for 3 years with XXXXXXXX XXXX, but equity and debt-to-income was a problem, so we were unsuccessful. In XX/XX/XXXX we filed a XXXX XXXX. The last payment we made on this debt was in XX/XX/XXXX. It reached it final maturity on XX/XX/XXXX. It is now owned by XXXX XXXX XXXX XXXX XXXX and they are threatening foreclosure. The statute of limitation has run out on this debt. It's been over 15 years. I am working with a lawyer and XXXX XXXX and their lawyers refuse to even respond to my lawyer regarding the matter of this old debt. My husband passed away XX/XX/XXXX the house was in a trust, and I am the successor trustee.
Product: Credit reporting or other personal consumer reports

Trans Union and the other XXXX credit bureaus are reporting a verbal warning for a traffic violation as a criminal act. The date of the offense was XX/XX/2020, I was doing XXXX and was delivering packages in XXXX Delaware. A officer was stopping anyone who did not have Delaware tags, and was telling them that they were speeding. When he saw that I was working for XXXX, he decided to give me a verbal warning. When he brought the paper for me to sign, I asked him " I thought this was a verbal warning '' he replied that they now put it on paper just to verify that it was given. Not knowing the future damage this would cause, I signed it. I never had to go to court, or traffic court for this warning as it was supposed to be that... just a warning. Trans Union and the other bureaus have it down as a criminal offense. All of my driving apps have deactivated me and all driving jobs that I have applied for this year are turning me down.
Product: Credit reporting or other personal consumer reports

Experian Credit Reports -- Have requested many times for them to remove the account of XXXX in the amount of {$440.00} which has been on my account since XX/XX/year> and they absolutely refuse to do so. It has been on my credit report for XXXX years now and they refuse to remove it. I would like to have it remove immediately. Plus, I was a co-signer on this, not the original person who took out this loan which is not and was not stated either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct issues from equifax but have not got any responses in the legal time frame. 

Seeking equity and remedy.