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

I am writing to report three fraudulent credit inquiries on my report dated XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries were conducted without permissible purpose, and my attempts to seek clarification from the companies have been unsuccessful. I have also filed an identity theft report regarding this matter. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating these unauthorized inquiries to protect my consumer rights and creditworthiness. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus XXXX, XXXX and Transunion to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ). 

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible.
Product: Debt collection

I was contacted on Monday, XX/XX/XXXX by XXXX at Huntington Bank ( XXXX ) in regards to an account for XXXX XXXX. The account was short-paid last month and they have been trying to get in touch with the primary account holder, XXXX XXXX, but had been unsuccessful and needed to speak with me. 

I returned their call on Tuesday, XX/XX/XXXX and informed them that XXXX XXXX is my ex-husband 's business. We divorced in XX/XX/XXXX and I no longer have any interest in the business. I asked them to remove me from the account. 

I was informed that I was a guarantor on the loan and they could not remove me. Again, I repeated that I have nothing to do with the business and am not on any loans. I was told that I was on a loan back in XXXX and they rolled that into new loans in XXXX and again in XXXX. As a result, I am still listed as a guarantor. 

The XXXX loan was repaid, in full and on time, by XX/XX/XXXX. My divorce was approved by the court and I ceased to have any interest in my ex-husband 's company in XX/XX/XXXX. 

My ex-husband requested the business funds in XX/XX/XXXX and XX/XX/XXXX. I was not notified of any loans where I am listed as a guarantor and would not have approved this. I was never contacted by a loan officer to confirm that I wanted to be listed as a guarantor. 

Now, Huntington is telling me that I need to seek legal help to get off the loan or have my ex-husband refinance it without my name to remove myself as a guarantor on a loan I never even knew about. I have been requesting copies of the XX/XX/XXXX and XX/XX/XXXX loans that show me as a guarantor and Huntington is not responding. I have contacted XXXX both via e-mail and phone. I have a copy of the original loan, which was provided by Huntington.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was laid off in XXXX from the events industry - an industry that is still not allowed to open as per mandates from state and local governments. I have lost over {$100000.00} in expected income so far this year. 
I have been in regular communication with Citibank since this lay off and have kept my account current until XXXX, when additional relief expired from the federal government. As state unemployment is not enough to cover expenses, I contacted Citi and signed up for a two-month deferral of payment due to COVID. 
I have now passed that two month period and have received a notice my account is past due and I owe {$2200.00} minimum. I contacted Citi ( XX/XX/2020 ) to find out what I could do to keep the account current and make a reasonable payment - again I am out of work and not allowed to work as per the government. 
I was told I had two options : 1 ) a " catch-up '' program I could enroll in, where I could make $ XXXX/month payments for 6 months and then resume full payments. Interest and late fees would still accrue. 
OR 2 ) a negotiated payment program with reduced APR and no late fees, but that would close the account. 

I asked to sign up for the catch up program and was transferred to another agent. Upon speaking to that agent, they told me something completely different - ultimately my only option was to pay $ 2200+ to bring the account current, or close the account and go with the second option. 

I am just trying to keep this account current and work with Citi during this time. It won't last forever and work will return. Instead, Citi has decided that ruining my credit or driving me to bankruptcy are the only two options. 

Again, I am willing to make payments that I can afford right now until this gets worked out - either the government gets their act together, or I am able to get back to work - also contingent on the government. With these type of options from a major bank, I don't know what they expect people to do?
Product: Credit card or prepaid card

On XX/XX/2022, First Citizens Bank put a charge of Reimbursement on my Account because I had a credit charge of {$25.00} on it for a long time. It's been almost 9 months, and I still haven't received that money in form of a check, or transfer to my another account already linked to First citizens bank. I have not received that Credit Reimbursement money in any form, and it's been a long time. Please help me get my {$25.00}. Thanks. I changed my address from what's in the attached document to the address I will enter on last page, but I haven't received the money in any of the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged from Chapter XXXX in XX/XX/XXXX of 2018, I have disputed these accounts to be updated correctly on my credit reports, and they have not been updated to show a XXXX  balance and included in bankruptcy. We are not approaching a year after this case was closed and still no updates. The following accounts need to be updated to show a XXXX balance and included in bankruptcy : XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-updated to XXXX balance included in bankruptcy XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX Credit card-showing as charged off-update to show included in bankruptcy XXXX XXXX XXXX Credit Card- shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy CXXXX XXXX/XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXXXXXX XXXX XXXX/XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Line of Credit-shows as a charge off-update to included in bankruptcy XXXX XXXX Line of credit-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX XXXX-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy.
Product: Payday loan, title loan, or personal loan

I applied for a loan and I was approved for {$1400.00} and after deducting their XXXX XXXX Origination Fee, they funded me {$1200.00}. So now they said I must payback {$2200.00} ( XXXX weekly payments of {$220.00} ). I have made XXXX payments totaling {$1500.00} and I still have XXXX more payments remaining totaling {$660.00}. 

So that means they loan me {$1200.00}, I am paying like XXXX XXXX on interest por XXXX months loan. 

I didnt know that when I signed for This loan. I try to talk with them to send me the details about the loan they said this is not a loan and I should read this before signed. 

Can you please help me with this situation? This is a lot of money to pay back for a loan. In this short amount of time. 

Thank you
Product: Debt collection

XX/XX/19 i received a phone stateting i was being sued by debt owe 12 years ago. Which I dont recall ever heaving. They also call my work and family members. Not sure if they're Legit. Without me giving them my ssn number they had already told my what it was. According to them I owe {$790.00}. When i told why did this never show up in my credit report? I was told that whennit sold to a 3rd party i might not show. Im not sure if they are the real thing.
Product: Checking or savings account

On XX/XX/XXXX, our checking account # XXXX was closed with no explanation or no noticed.The account was in both names XXXX and XXXX.with Bank of America.After numerous visits at headquarter without any resolutions.. I made many calls to the Compliance department, customer services via phone center and online Customer Resolutions department. and several phone calls to XXXX XXXX XXXX in Customer Resolution. XXXX XXXX last conversation XX/XX/XXXX stated he reseached and the accounts are closed, and restricted and he could not help me further. All phone calls were recorded and a paper trail exits in the Bank of America banking system.Each conversation was typed in their system. I have copies of typed on-line complaints I made to the Bank of America..We have XXXX children and in need of our money approximately over {$7000.00} as soon as possible.
Product: Debt collection

I received a letter from National Credit Sytems , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX whom are owned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A settlement offer for XXXX for the balance of XXXX with XXXX account number XXXX. This debt that is attempting to be collected was already tried by the legal team for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After breaching the agreed contract in multiple ways, I filed a motion with the court. The civil case was then dropped officially on XX/XX/XXXX. 

The dispossessory and the civil case was dropped then from the original filing date of XX/XX/XXXX, if the bar can not be met in a state court to collect on the debt and such items were dismissed. Certainly attempting to now collect this debt now privately through a collections agency is at a minimum negligent and in poor practice, if not rising to the level of violating the debt collections laws, codes and rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX inquired on XXXX XXXX, XXXX ; XXXX, XXXX inquired for something on XXXX XXXX, XXXX ; XXXX XXXX XXXX inquired for something on XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX inquired on XX/XX/XXXX. 


The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

After 3 years, I was notified of a debt tied to an auto loan when I applied for a new a loan with my bank. All addresses being used were incorrect even though I updated my address at USPS. I called the debt collector and asked if I paid {$2000.00} would my debt be considered pay in full. The operator XXXX XXXX agreed. I requested a letter stating the agreement showing that if I paid for this, the rest would be {$0.00}. I received a letter today and it only says for me to pay {$2000.00}. No assurance that I won't be pursued for more after that payment. They refuse to send me a settlement letter stating the agreement for both parties.
Product: Vehicle loan or lease

I have a finance agreement with XXXX XXXX XXXX for a XXXX XXXX XXXX. I pay {$340.00} on the XXXX of every month toward my loan but this payment is not a recurring automatic payment. This month after I refused to pay because the company XXXX XXXX XXXX refuses to fix my car so that it will pass inspection they illegally took out money out f my account that I did not authorize. I would like to make a formal complaint against them.
Product: Student loan

In short, I XXXX from XXXX in 2016. I have two need-based loans serviced through ECSI. I have been in medical school for the past 4 years, thus the loans went into deferral.

Upon checking my credit score earlier today, I was very surprised to see a notification for two delinquent accounts. ECSI had apparently re-opened the accounts as I have now completed my graduate education. However, I received absolutely ZERO communication regarding this fact. I missed two months of payments because I never received a statement on any occasion from them. Upon discovering this error, I immediately payed the full balance due, however, my credit score now has the history of delinquent accounts and dropped nearly 100 points.

This is an abject and total failure of communication on the part of ECSI. It is equivalent to a credit card company simply not sending a statement.
Product: Checking or savings account

Tuesday XX/XX/21 I got a check from selling an item. They over paid - I deposited the check and XXXX the difference of the over payment to the person. Then the check bounced back- and the bank said that the account was fraudulent and closed and thats why it came back to me. At this point- they told me nothing they can do about it, since I sent the money. The check was for XXXX $ and they only owed me XXXX XXXX 
So my kindness got taken. And my account got hit. 
Dress was shipped by XXXX : XXXX and will be delivered by XXXX if on time. 
So you already got my money and a dress
Product: Mortgage

Yesterday afternoon, XXXX XXXX, 2016, a woman appeared at my condominium building. Stating that she is with Wells Fargo, she asked the community security guard, XXXX, to phone me. She wanted to meet with me. 

I was not available. XXXX sent me an email message indicating Wells Fargo had left an envelope for me at the building front dsk. 

In this complaint, am providing the Consumer Finance Bureau with acopy of the letter, and envelope left yesterday by the " mysterious and supposed '' Wells Fargo representative, as well information from a consumer complaint website which identifies this phone number as engaged in fraudulent activity. I refuse to contact the phone number. Security Guard XXXX said the woman gave her name, but FAILED to leave a business card. Wells Fargo is not referenced in the letter, nor is the Wells Fargo letterhead or company emblem displayed. Furthermore, a mailing address for written correspondence is not provided. 

Wells Fargo has denied my qualified written RESPA request, refusing to answer even one RESPA question. 

I demand that the foreclosure, scheduled for XXXX XXXX, be blocked. They refuse to disclose who owns my loan, as wells as other loan audit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex spouse has obtained my social security number and has attempted, and successfully made hard inquiries on XXXX XXXX, XXXX and XXXX. 

The following are hard inquiries made by a one XXXX XXXX and should promptly be removed : SyncXXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I XXXX be reached at XXXX to confirm
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the persistent inaccuracies in my credit report maintained by Equifax and XXXX. Despite numerous attempts to correct these errors, the credit reporting agencies have failed to adequately address the issue. 

Specifically, the XXXX account is incorrectly reported on both Equifax and XXXX credit reports. The account is erroneously listed as having been foreclosed upon and then subsequently charged off approximately four years later. This information is completely inaccurate and has had a detrimental impact on my credit score. 

I have attempted to dispute this information with both Equifax and XXXX multiple times. However, their efforts to rectify the situation have been inadequate. The inaccurate information continues to appear on my credit report, causing significant financial hardship and emotional distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel Equifax and XXXX to delete the XXXX account in my credit report with XXXX entirely from my credit report. This account is inaccurate, misleading, and has no place on my credit history. 

I have attached copies of my credit reports, dispute correspondence, and other relevant documentation for your review. I am available to provide any additional information or documentation as needed. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, 4 different times by certified mail on accounts and inquiries that were not mine and asked for a investigation. I also ask for methods of verification and original documentation tying me to this debt which they never provided. One letter was sent XX/XX/XXXX, two on XX/XX/XXXX and one on XX/XX/XXXX. Experian sent two letters but not one dealt with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.