23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a pre-approval for a home loan through the GA XXXX XXXX  but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify. the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GAXXXX XXXX for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 
XX/XX/2020
Product: Debt collection

There is information that is being reported falsely in regards to debts owed. I was a victim of identity theft. I need all information t be disputed and investigated.
Product: Vehicle loan or lease

Vehicle traded in on XXXX XX/XX/2022. Payment was due on XXXX XX/XX/2022. Spoke with 2 company representatives and informed them that the car had been traded in and they should direct all communication toward the dealership, the following is list of dates, times and numbers that they have used to request payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Disputes were submitted and there was not a proper investigation.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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 XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquires don't belong to me never applied for any of this credit. This is an attempt to fraud me. 

XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Checking or savings account

I opened up four accounts at Charles SCHWAB and they restricted access and refuse to give me back my money. Ive sent in everything they have asked for notarized documents Id etc I just want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,    2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.
Product: Payday loan, title loan, or personal loan

I sent an email to the company on XX/XX/20 stating that I lost my job and to not withdraw any funds from my account, and that I would make OTHER PAYMENT ARRANGEMENTS. And that there will be no funds in the account to withdraw from. They have consistently tried to withdraw {$250.00} from account 5 times causing me to have NSF fees at {$32.00} making it a total of {$160.00}. They then successfully withdrew the {$250.00} plus a NSF fee of {$32.00} on XXXX/XXXX/20. Causing my account to be negative of {$290.00}. I have contacted the bank and they are allowing me to dispute the withdrawal. So now I am contacting your company for further assistance.
Product: Checking or savings account

Relay Financial and their banking partner XXXXXXXX XXXX  has frozen all of our accounts. I tried to do an internal transfer of money from our operating account to our payroll account and they rejected the transfer. The same thing happened to my business partner. All our business funds are frozen and we can not pay our employees. I was on hold for 0.5 hour then got a message saying that no one was available to help me and i should call back later. I've gotten no response to my emails and their chat function is a bot that only gives general information. There are no branches I can visit because this bank is in XXXX  and we are in XXXX
Product: Student loan

My loan started out with Sallie Mae and it was sold to Navient I reached out to Navient to request a copy of the contract and validation of the debt i never received any info from them. 
Just a few weeks ago i received an email from Navient that my student loan was sold to XXXX. 
I yet to receive the debt validation letter from Navient.
Product: Debt collection

called several times without asking for a certain person stating that he is collecting a debt. Turns out he was calling about a man 's debt that I did not know. He gave me the name of the guy he was chasing and I never heard of him and I asked him to stop calling my number. Also I have this person on tape answering machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to been impacted by the Equifax Breach and The XXXX XXXX Breach I have and am currently requesting a removal of all 70 Inquires on my Credit Report stored by Equifax and If Equifax does not find these Inquires Unauthorized please provide proof of Investigation course that was taken to obtain this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday morning XX/XX/XXXX, I spoke with XXXX XXXX, executive Mortgage Banker advised I was interested in refinancing my home for the sole purpose of lower monthly payments and a lower interest rate. She starts asking for basic information from me, such as details on my current loan, insurance, flood, etc. She mentioned walking me through an application. I tell her before we go in any further, I would like to see an estimate so I can visual the financial information she was explaining. It felt as though I was being pushed in a direction of completing an application before ending the call. I ended the call and stated I'd reach back out to them. Be the end of the day I was notified by my credit bureau there had been a credit inquiry. I did not authorize Quick Loans or Rocket Mortgage to pull my credit report as I was inquiring for an initial quote/estimate, I've called and emailed XXXX XXXX as well as XXXX XXXX in attempt to connect, but have not had any contact back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft XX/XX/2011. Never been able to get credit report on annual due to not being able to verify my identity. 

Learned tonight, after 3 hours waiting for Equifax to answer, I was advised there is an EXTENDED on my Equifax.

Now, apparently id theft has happened with Equifax. Someone submitted documents to Equifax. Now there is someone tampering with my Equifax report and that is identity theft.

I requested copies of the paperwork that was obtained to of made the alert possible.

I was told I am not allowed to have the information. I am completely locked out of my account and not able to monitor.

Equifax, is not working with me ; yet against me. Should not credit bureaus be working with victims of ID theft?

They made it difficult, and after 3 hours back to square one. Phone disconnected and none of my concerns or actions necessary to protect myself are possible.

I am concerned with the way they identified me. They asked questions that anyone could answer. Of course because someone used the info to add the extended.

I asked her to verify my calling me or texting. I feel safer and its a good tool. I was told they are unable to do that.

Equifax is part of the problem and if they dont cooperate ; what can I do? Submit a complaint to CFPB in which they never acknowledge any of my complaints.

Equifax needs to change their policies to ensure there are extra steps of getting a consumer verified other than asking questions, that someone has from ID theft.

The entire waste of time, without any resolution, and still locked out.

How do I get around this which, should not be difficult in the first place and what reasons are they unable to send a code to our phones and we verify.

The only option they offer, is an email to click a link and emails do not always get delivered quick. I was told to wait an hour, I accept that.

Why would they not take extra secure measures to verify my identity? It is already been established ; someone submitted a copy of my social security, proof of address, and other documents they require for an extended. Am I the XX/XX/XXXX consumer who finds many holes in this process that does nothing for protecting and verifying my identity.

Lastly, if you require further information, how do you communicate with the person filing a complaint? Is there a portal or account options so consumers may have access to reports submitted?

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

I have been harassed by United Home Loans of XXXX for a bogus loan that I never signed any contract for. I moved here from XXXX in XXXX XXXX, XXXX to a Lease to Own four year lease, but the home was not livable when I moved to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I had taken them to court and had won the complaint and was awarded all my funds I had given to XXXX to secure the lease to own. I had only was awarded my {$1400.00} back without any regards to the expenses of having my electronics and furniture exterminated and moving expenses to another livable home. Since the court order, I have been harassed for payment of a {$50000.00} home loan that XXXX had contracted out to United Home Loans that I never knew about or signed any contract with. The website of XXXX XXXX XXXX XXXX states that their homes are purchased from foreclosures and repaired by their own maintenance team to livable condition, but this home was not even seen by them to do any repairs or exterminate before I moved in. I tried negotiation with XXXX to pay for foundation repairs that were the most dangerous of the home along with bad dangerous wiring that had shorts in the crawl space that was dug out making the house collapse. Mean while I had done some foundation stabilazation and plumbing and electrical repairs and had sent XXXX bills to XXXX for labor and Materials which was a small charge of {$600.00} to do and they refused to pay. 
The furnace was leaking from the control valves inside the furnace and almost burned the home down before I found out. The home should have been condemned before renting it out. Now since getting involved with XXXX and winning in court, they have hired UNITED HOME LOANS XXXX to do their billing to me for {$50000.00} loan I do not have any contract with. I had informed UNITED that I do not have any loan with them and told them to cease and desist their attempts to collect on a debt I do not owe, but they still send me notices every month with late fees of {$75.00} and claim I owe over {$3400.00} in the XXXX XXXX XXXX billing invoice. I would like to get treble damages from UNITED HOME LOANS XXXX in the amount of {$150000.00} plus and legal fees and court costs. Since XXXX had initiated this whole scam, I would like to get Treble Damages from them also for pain and suffering and material costs of work rendered on the home at XXXX XXXX XXXX XXXX, XXXX XXXX. to be able to move into safely when we arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a credit check using XXXX yesterday after I found out someone was attempting to fraudulently open a credit card in my name without my authorization, and when I did so I found that Credit Karma has being doing multiple soft inquires multiple times a month on a random basis for at least the last two years. According to XXXX there have been XXXX recent soft inquires which are done every few days. 
I have never subscribed to Credit Karmas service, nor does my Bank or my bank issued credit card XXXX XXXX  XXXX XXXX ) utilize Credit Karma, I do not have a loans nor has there been any reason for a credit check ; therefore, it is unclear why credit Karma would be doing a soft inquiry on my account and why there has a perpetual litany of checks. 
I have reported this issue to XXXX and the Federal Trade commission ( IdentityTheft.gov ) because its unclear if this represents a Credit Karma security breach or exactly what is going on because there is no method to contact a human at credit karma via phone and they fail to answer emails ( sent emails to XXXX, XXXX, XXXX, XXXX, and through website via XXXX even though I am not a member ) Below is a list of the most recent soft inquires Credit Karma has performed : CREDIT KARMA Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credit Karma XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I would like these soft inquiries to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I am a victim of fraud with my bank at Wells Fargo Bank. 

Wells Fargo authorized many charges via XXXX over the period of XXXX and XXXX of XXXX that were not transactions made by me. During these incidents, I requested to change my account number, receive new debit cards, be notified of transactions of over {$200.00} and Wells Fargo denied this requests. 

On XX/XX/XXXX, Wells Fargo spotted fraud detection on my account, however authorized 3 XXXX XXXX charges to XXXX for {$4200.00}, XXXX  for {$500.00} & XXXX XXXX for {$2000.00}. ( PICTURED ) The total amount of money fraudulently stolen from my account {$6800.00}. As can be seen on my account, I have never sent money to these people before. As can be seen on my account, I have never sent large amounts of money like this prior to XXXX when I first started reporting fraudulent charges on this account. 

Wells Fargo has denied multiple of these fraudulent transactions, however, authorized many despite my requests and attempts to further secure my account. In one denial, Wells Fargo noticed that a transaction was being attempted from a gosq.com. ( PICTURED ) Upon looking up that website, it is a well known website that can be used to scam. ( PICTURED ) This shows that my information had been leaked and unauthorized persons had been attempting to reach my account and unfortunately, succeeded. Additionally, prior to nearly every fraudulent charge, there are XXXX and XXXX withdrawals and deposits of 50 or less from people I have never sent money to, nor I know. From research, this method is used to scan accounts to fraud. ( PICTURED ) this further Substantiates my claims that my account had been compromised and these are unauthorized charges. 

As of XX/XX/XXXX : I have just noticed that this claim has been closed and I have not received a satisfactory result in the return of the claim. My money needs to be returned. These charges in question where not done by me and my cellular device had been hacked and compromised. If there had been a throughout investigation, you would see these XXXX XXXX and XXXX charges were sent to people I have never sent money to and the phone number associated with those accounts are fake telephone numbers received from apps. In addition, I have never sent that large amount of money to anyone in the history of banking with Wells Fargo. These charges happened multiple times of substantial amounts of money, as described above, and each time I reached out to Wells Fargo to amend the issue because they were fraudulent charges. If I can not amend this issue with CFPB and Wells Fargo, I am considering legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on XX/XX/XXXX from XXXX Identity Monitoring services that an account had been opened w/ XXXX XXXX under my SSN and maiden name. I received notification from XXXX shortly after confirming the credit application had been processed. I promptly contacted XXXX XXXX and alerted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on XX/XX/XXXX. I also contacted the ( XXXX ) credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from XXXX during the period of XX/XX/XXXX-XX/XX/XXXX. I contacted XXXX 's compliance department multiple times and provided them with a second copy of the affidavit and police report on XX/XX/XXXX and requested again that they close the account and notify the credit bureaus. I received an email from XXXX on XX/XX/XXXX confirming receipt of all documents and stating they would contact XXXX. I responded on XX/XX/XXXX alerting them to the fact that the delinquent account was shown on my Equifax and XXXX reports as well and that I expected them to remedy the situation w/ all XXXX credit bureaus. I ran my Equifax credit report today ( XX/XX/XXXX ) and the account is still showing as open and delinquent so I contacted XXXX yet again to ask them to close the account on their end and notify Equifax as I requested on XX/XX/XXXX. Customer service representatives at XXXX continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. XXXX 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must delete any wrong accounts from my credit report. Could you check the papers? Some accounts listed have wrong reporting, wrong amounts, and dates.
Product: Mortgage

We are eligible for PMI removal on our current loan through PHH Mortgage. We submitted payment for {$150.00}, on XX/XX/2022, for the appraisal fee, as the service center confirmed we met all requirements to have it removed. Once the appraisal came in, that would determine/ confirm we were over 20 % in. They cashed our check, and have been ignoring our calls/ emails in regards to this.