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

I am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my account with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 

I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my account has not only affected my ability to use the services promptly but has also resulted in [ mention any specific consequences or difficulties you have faced as a result. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframefrom the date of this letter, I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On yesterday morning, Monday, XX/XX/XXXX I foolishly responded to an email from this company that suggested they could get find me a small loan. I agreed to let them search for said loan. I ended up changing my mind halfway during the search after confirming the last XXXX digits of my social security number. 

They then proceeded to call me over and over again all that day. I wake up on Tuesday, XX/XX/XXXX and their is {$500.00} in my bank account. I go to the website where they force me to make a password and see that they are now planning to take out over {$300.00} a month from my account from XX/XX/XXXX to XX/XX/XXXX. This is insane! I did sign any documents. New Mexico requires you at least digitally enter your name as confirmation. I need help ASAP. This website will not help me. I just want them to cancel this and take their money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Mortgage

In XXXX, I was given bad advice and took an interest only loan on a 2nd residence that I purchased in Arizona.

The Loan was from Nationstar, which is now called Mr. Cooper. 
The economy crashed in approximately XXXX and the property value plummeted. 
I spend countless hours on the phone with Nationstar prior to the loan coming to term. I made them aware that I was in trouble and needed help so that this property did not go into foreclosure. I tried desperately to get them to work me. 
The loan was eventually refinanced into a VARIABLE rate loan.

values continued to decline.

Interest rates and my mortgage pmt have conuinted to rise.

I was told on two separate occasions that they'd refinance it, only to be denied. 
I'm loosing $ XXXX monthly on this property .I 'm not going to be able to maintain this loss. 
I was told I had no other options but to request modification. 
XX/XX/XXXX I submitted the Uniform Borrower Assistance Form requesting a loan modification. 
I submitted HUNDREDS of pages of additional documentation. Every time I gave them what they requested they asked for something else. COMPLETE RUN-AROUND My contact at Nationstar : XXXX XXXX XX/XX/XXXX FIVE MONTHS LATER, I received a denial letter for the modification. 
Denial reason : Ineligible Mortgage I immediately contacted XXXX XXXX because I DID NOT Meet ANY of the definitions for an Ineligible Mortgage. 
She told me she could not explain why I was denied other than the reasons stated in the letter and that there was no one else I could speak too. 
I was told there was no other options. 
I have spent YEARS asking for Nationstar/Mr. Cooper to help me keep this property from going into foreclosure.

Nationstar/Mr. Cooper has refused to help me, leaving me to destroy my credit, go into short sale or foreclose, and become another statistic of the crash of the housing market.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, with inaccurate amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 Fair Credit Reporting Act ( FCRA ) Dispute and Opt-Out Notice Dear XXXX XXXX This letter serves as a formal dispute of information on my credit report and an opt-out notice pursuant to my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681s-2.

Identity Theft Victim : I am writing to dispute information on my credit report due to identity theft. Specifically, the following accounts are inaccurate and should be removed : Third party agencies XXXX XXXX Transunion XXXX XXXX any other third party agencies using my information 15 USC 6802 Restrictions on Sharing Information : Financial institutions ( banks, credit unions, investment firms ) can not share a consumer 's nonpublic personal information with unaffiliated third parties unless the consumer gives written consent. 
Providing Notice : The financial institution must provide a clear and conspicuous notice to the consumer explaining what information is collected, how it's used, and with whom it might be shared. The notice should also detail the consumer 's right to opt-out of information sharing. 
XXXX XXXX has been Sharing my personal information to third parties Legal Basis : 15 U.S.C. 1681c-2 requires consumer reporting agencies to block information identified as a result of identity theft within XXXX business days. As a victim of identity theft, I request the immediate deletion of these accounts. 
Previous Attempts : I have previously attempted to address inaccurate information on my credit report. These errors have caused significant damage to me and my family. 
Request : Therefore, I am requesting the following : Immediate Investigation : A thorough investigation into the disputed information on my credit report. 
Correction of Errors : The removal of any inaccurate or unverifiable information from my credit report, specifically the accounts listed above. 
Opt-Out Notice : I hereby opt-out of any and all authorization, written, unwritten, verbal, or non-verbal, previously granted to XXXX XXXX to share my personal information with third parties, except as permitted by law. 

Incorrect reporting of personal name and Address total inaccuracy in reporting on the credit report directly going against 15 USC 1681. The Inaccurate information must be removed immediately.
Product: Vehicle loan or lease

I was ordered by divorce court to pay for the XXXX until XX/XX/XXXX. The XXXX was to be refinanced immediately but was not. I made every payment on time since XXXX the original loan and my only agreement with ALLY Bank. 
I called ALLY on after the order telling them the location of the car to repo because they would not be receiving payment from myself and the other party isn't going to pay. 
I called ALLY on a recorded line XX/XX/XXXX at XXXX XXXX  CST lasting XXXX mins XXXX seconds. I told ALLY repeatedly not to use my name and my credit to etend payments or change any payments to alter any loan with my name on it. To repo the car. 
ALLY was also told that it is a violation of my Constitutional Rights as an American and a Citizen of the United Nations. It is a basic human right to get what you pay for and only what you want. No person or company shall enter into a contract unlawfully without full permission. 

ALLY has used my name credit to drop my credit score, refinance the car to a lower payment still in my name. I forbid it. 
I want the XXXX refinanced out of my name immediately. {$5000.00} for violation of my RIghts and {$2500.00} weekly every week following the 15 days ALLY has to reply to the XXXX. 

I refused documents to alter loan. If my name has been acquired for a new loan ALLY will also prosecute the person reasonable with jail. 


XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

This is a follow up to Complaint against Wells Fargo number XXXX for purposely harassing me, lying, and ignoring foreclosure proceedings in order to secure as much money out of my pocket as they can.w-up to case. XXXX/XXXX/XXXX. Finally ending around XXXX/XXXX/XXXX. Thanks to you Wells Fargo agreed to take the 3 month sale option under Wisconsin Statute 846.16 ( 2 ) instead of having to wait 1 year to sell my property.I have copies of all mentioned below from Wells Fargo lawyer XXXX, XXXX XXXX XXXX XXXX, XXXX Wisconsin. They filed for foreclosure XXXX XXXX, XXXX. The home at XXXX XXXX XXXX XXXX was sold XXXX XXXX, XXXX to XXXX XXXX for {$37000.00} ( 44 % of assessed value {$86000.00}. Plaintiff will not apply for personal judgement against Mortgagor. It states approximately five times plaintiff not seeking deficiency judgement. All of a sudden in XXXX XXXX i received a subs XXXX XXXX Aquisition or Abandonment of Secured property form from Wells Fargo stating that this form was sent to the IRS. When my tax people looked at it they refused to do my taxes. It states that they were told of the abandoment home on XXXX/XXXX/XXXX in truth I called them in XXXX XXXX and was given verbal permission to leave my home by Wells Fargo. They later denied knowing anything about this. It says I owe {$100000.00} and the assessed value of the home is {$140000.00}. In truth it was assessed at {$86000.00}. The box is checked that I am personally responsible for this entire debt. I called them a week ago. After 2 hours I finally got someone to fax THEIR attorney letter to and I have heard nothing. Is there anyway you can help me. This is totally fraudulent form. I can not get a hold of anyone at the IRS. Thank you so very much. XXXX XXXX. ( Wells Fargo account # XXXX )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX agent came to our home with proposal for solar energy he assured us that with solar installation there will be no electric bill but we will get money by selling electricity. XXXX agent said it would be {$40000.00}, after installation I paid {$150.00} to solar and at the same time I was receiving XXXX XXXX provider over {$500.00} to {$1000.00} pm since than I keep asking to check problem and I stop paying to Solar company lender XXXX. I am paying only to electricity not to solar since its just fraud fraud. 
XXXX XXXX got {$65000.00} from XXXX lender I never signed any documents for loan. 
I was shocked when they put to XXXX credid reporting company How can solar company do this without fixing problem my score dropped from XXXX to XXXX and I am unable to get any credit card despite many requests nothing happened still living with bad credit. 
I requested to remove solar panels immediately and explain why Solar company charging {$65000.00} when I never signed any documents and why I am getting high electricity bills its just fraud
Product: Debt collection

As I explained to this company that I was unfamiliar with this debt and that I don't believe I owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Vehicle loan or lease

In XXXX my car was repossessed. I was never notified by Santander of any action being taken. Pursuant to Georgia Law 10-1-36 it states a deficincy can not be claimed unless all of the required notices were properly sent. I requested the legal certified documents from Santander on XX/XX/XXXX via XXXX  showing proper protocol was taken. My letter was delivered on XX/XX/XXXX. I received a response from a secondhand company XXXX XXXX on XX/XX/XXXX, which was a settlement letter. No certified documents have been provided like requested in the 14 day time frame which considers the deficiency null and void.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX- XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Incorrect Address - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX  XXXX  XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX  XXXX  XXXX  - IncorrectPersonal XXXX XXXX XXXX  XXXX XXXX XXXX IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX i used XXXX to purchase a item from a women name XXXX XXXX i sent two transactions one trans for {$100.00} and one for {$100.00} The item that was sent to me was not the item i was suppose to receive the seller stopped contacting me I reached out to XXXX for a refund via email first and they told me my case was being reviewed after a week i called them and they would not honor because i didnt have a account with them i was just sent a invoice from them and told me i should dispute with my bank i was provided a provisional credit which was removed on XX/XX/19 when in fact i didnt not receive the correct item i didnt benefit from this sale i lost out on {$200.00} dollars and i need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

i lost my wallet that contained my social security card and id years ago when i was about XXXX i am XXXX now, i have filed multiple identity theft reports. i have also challenged the information on my credit report i have not had any success getting these items that are fraudulent off my credit report.i am asking for assistance in enforcing the law, so that my credit report will reflect 100 % accuracy thank you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

new rules permit clients in bankruptcy to receive statements since XX/XX/2018 despite several requests both via telephone and in writing i still have not received statements
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!
Product: Credit card or prepaid card

I had two credit cards with Bank of America. My card was stolen before I received it in the mail and many fraudulent purchases were made with the card. I spoke to representatives over the phone for months. No less than a days worth of hours were spent on the phone. I got a police report and did everything that was asked of me. When I called the last time the supervisor kept hanging up on me. Bank of America closed my account because of " non-payment '' but all of the charges on that card were fraudulent so I did not make a payment. I had another card with Bank of America that never had any problems and they closed that card too! I always made those payments on time because those were my charges. I believe their actions are discriminatory because English is not my first language and they are always hanging up on me. I have been both a business and personal customer of Bank of America since XX/XX/XXXX and have never had a problem until now. All charges were fraud and only some Bank of America reversed. The supervisor that was rude that I last spoke to her name was XXXX XXXX and I spoke with her on XXXX. When I tried to get back to speak with they never connected me back to her and she hung up on me and I was never rude. The first supervisor that I spoke to his name was XXXX but I don't know his last name. He is the one that told me to get a police report which I did.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$23000.00} account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$14000.00} account number XXXX XXXX  XXXX Opened XX/XX/XXXX With a balance {$2500.00} XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$1700.00} XXXX account number XXXX XXXX  opened XX/XX/XXXX with a balanace of {$0.00} account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$9100.00} account number XXXX There are also fraudulent addresses that shouldn't be reporting which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting

names for reporting are not mine. I am XXXX XXXX XXXX. please remove all other alias names.