23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have several accounts that are not mine they were opened from my identity being stolen and are fraudulent i have new copies of police report with the accounts listed and an identity theft affidavit notarized ftc listing all of the fraudulent accounts. the report # XXXX XXXX XXXX is the XXXX badge # XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX notice unauthorized inquiries from unknown service on my credit report. I did not give permission, authorized nor receive any disclosures of these companies. Please conduct a investigation into this matter. A list of the unauthorized inquiries are enclosed with this complaint with a FTC Report. Thank you for your time and efforts in the above matter
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to NY State law, reporting agencies must remove paid charge-off accounts 5 years from the moment the account went first delinquent. Experian does not seem to comply with the NY ruling. Experian recognizes the DOFD and settlements instead of the charge off date and full payment.. <P/>Account # XXXX ( opened on XX/XX/XXXX ) was removed from XXXX and XXXX as per NY state law. Experian is still showing this negative item. <P/>XXXX ( opened on XX/XX/XXXX ) was removed from XXXX and XXXX as per NY state law. Experian is still showing this negative item. <P/><P/><P/>Experian needs to comply with NYS laws and not interpret their own ways of handling this.
Product: Mortgage

I had an FHA loan with XXXX Bank. I sold the home. Loan was paid off and closing on XX/XX/XXXX. 

On XX/XX/XXXX I received a check from TIAA Bank dated XX/XX/XXXX for {$940.00} for misapplication reversal. Please see attached. The check was void after 90 days, however, I didn't receive the check till 5 months after it was dated. I attempted to cash the check and it bounced. 

I attempted to call TIAA Bank but there mortgage business no longer exists. There was no one to talk to, just automated messages. The call eventually transfers to XXXX who now services TIAA Loans. Once again there is no actual person to talk to at XXXX, it's just automated messages. 

Since there was no one to talk to, I wrote TIAA Bank a letter on XX/XX/XXXX. In the letter I requested to file a complaint. I have not received a response.
Product: Credit card

Self credit builder agency refuses to resolve my illegally closed account where massive fraud occurred and fraudulent transactions were reported directly to them several times instead of resolving disputed transactions self internal employees admitted they actually never investigated fraudulent transactions instead they literally stole my money from account builder as a security deposit to cover for fraudulent transactions which is internal fraud done by them and very illegal. XXXXonsumer have Zero fraud liability. I exhausted all avenues to resolve such issues unfortunately they are refusing to reverse money as credit plus security deposit money stolen from me including unlawful reporting to credit bureaus that I am 300 days late and late on payments. I asked very kindly to correct this account they are refusing and continue to damage my credit health and life wellness. Case is very simple solution is refund fraudulent transactions which means balance should be XXXX and refund {$700.00} security deposit stolen from me and open a new credit card
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting

I sent a letter to Equifax on XX/XX/XXXX requesting an investigation. More than 30 days have passed, and they have not responded in any way.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the ( XXXX, XXXX, and Experian credit reporting agency XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of An auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a Balance of {$900.00}. 


I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00}
Product: Consumer Loan

I took a loan out with regional acceptance Corp with a XXXX XXXX in XXXX XXXX, My payments were XXXX a month. I have been paying XXXX a month for over 4 yrs and my loan is still over XXXX. The money that I paid over the yrs have went to interest only. I was told I should be caught up on the loan but the company said I was a month beyond when I was paying every month .. The customer service is Rude and harassing.. They repo my car on XX/XX/XXXX with all my personal belongings and tag. I was not notified as to were I could pick up my personal stuff and tag. I do n't know where my stuff is. They are supposed to notify you and give you a option to pay .etc ... I lost over XXXX for a car only worth XXXX and they still wanted XXXX more. Can someone please help me? This is a scam and a rip off company. How many more people have they gotten like that
Product: Credit reporting, credit repair services, or other personal consumer reports

****DO NOT CLOSE! THIS IS NOT A DUPLICATE! PLEASE READ FIRST! DIFFERENT COMPLAINT ISSUES THAN COMPLAINT # XXXX AND # XXXX! DO NOT CLOSE THIS COMPLAINT! **** I signed up for the FREE credit monitoring service over 5 years ago! The membership number was XXXX. I updated the service on XX/XX/20. I added the 3 in 1 seven day FREE credit monitoring for all 3 credit bureaus which was supposed to include scores and reports. On XX/XX/20, I tried to log into my account like I did everyday to view any changes but was not able to get in. I tried every option that the automated system gave when attempting to call Experian support to find out what was wrong. Nothing worked. I kept getting an error that the account didn't exist. I finally called the other Experian number for fraud and they transferred me to an agent in membership! I spoke to someone on XX/XX/20 around XXXX XXXX. He advised me that my account that had been canceled that same day at XXXX XXXX. I advised him that I didn't cancel. He said that I don't have an active membership so I wouldn't be able to log in. He said that he needed to reset the account and ask me some verification questions first and then I should be able to sign in again. He said that he was going to create a ticket to a special dept but he never gave me the ticket number. He said that he was reinstating me and that I just needed to try signing in again. When I tried signing in, it created a whole new membership number XXXX. ALL OF MY NOTIFICATIONS AND ALERTS ARE GONE! ALL OF MY ACCOUNT HISTORY GONE! ALL OF MY HARD WORK AND DEDICATION WASTED! I WANT MY OLD FILES BACK! I have called everyday since that and spoken to a different agent who tells me a different lie. Was this a retaliation action because I filed a previous complaint against Experian on the above dates? Because before that there were NO issues. Are they attempting to cover up some things to prevent me from verifying my current concerns with them? WHY WAS MY MEMBERSHIP CANCELED? I WANT IT BACK! I HAVE SCREENSHOTS OF THE PREVIOUS MEMBERSHIP ALERTS. SOME OPENED AND SOME NOT! I HAD OVER 100 ALERTS AND NOTIFICATIONS THAT I WAS SAVING FOR OTHER DISPUTES WITH OTHER COMPANIES! PROOF THAT I HAD BEEN A VICTIM OF IDENTITY THEFT! PROOF THAT MY INFORMATION WAS INCLUDED IN DATA BREACHES WITH OTHER COMPANIES! PROOF THAT MY INFORMATION WAS ON THE DARK WEB IN THE PAST! PROOF THAT MY PHONE NUMBER AND EMAIL WAS COMPRISED IN THE PAST! I NEED MY ACCOUNT BACK UNEDITED! WITH ALL OF MY ALERTS AND UPDATES STILL THERE! I RECEIVED NO WARNING OR PRIOR NOTICE THAT IT WAS BEING DELETED! THEY DID IT UNEXPECTEDLY WITHOUT NOTICE! I WANT ONE FREE YEAR OF THE UNLIMITED PREMIUM MONITORING SERVICE WHICH INCLUDES UNLIMITED CREDIT REPORTS AND FICO SCORES FOR MY IMMEDIATE HOUSEHOLD FROM ALL 3 CREDIT REPORTING AGENCIES BECAUSE NOW I HAVE TO DO EXTRA WORK TO GET THE INFORMATION BACK! I HAVE TO DO EXTRA WORK TO SHOW THAT MY DAUGHTER AND I ARE NOT THE SAME PERSON! I HAVE TO DO EXTRA WORK TO SEPARATE OUR PROFILES AGAIN!
Product: Mortgage

I noticed that a credit was taken in my name on XX/XX/2024 of {$10000.00} when I never asked. Someone used information. I have never taken credit in this country. Thank you for removing this from my credit report
Product: Credit reporting

I have a Chapter XXXX Bankruptcy that was discharged on XXXX/XXXX/2016. In XXXX I started disputing items on my Equifax credit report because they were not updated and my bankruptcy was not in my Public Record section. I attached my Discharge to my dispute and some things were updated while others did not. I filed a second dispute with the same information. When I complained I was told to call their problem resolution line. I explained to them that not only, had I submitted my actual discharge to them, but they were the only credit reporting agency that had not updated my credit report. I was told by Equifax that the Court had to electronically notify Equifax. I called the Court and was told, Equifax just needs to pull it from the Public Record. I called Equifax back and told them what the Court had said and again Equifax told me that the Court needed to send me something. So now I am asking the FTC to step in and help me get the Bankruptcy added to my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$2300.00} ; USDOE/XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Ocwen Laon Servicing deleted all my XX/XX/2016 Payment history. 
My payments were {$360.00} dollars amount. 

There is an error on what the amount owed in arrears. OCWEN is stating I have over {$23000.00} in arrears but in actually is somewhere around {$12000.00}. 

I need my XX/XX/2016 statement updated, I ha e actually statements that reflect the mortgage payments. 

Ocwen recently returned my cashiers check of XXXX. 

After discovering this error, I like to request full cooperation from the company. I emailed both the relationship manager and ocwen but no one has returned my request I plan to file bankruptcy to resolve this matter to get this mortgage situation resolve
Product: Payday loan, title loan, or personal loan

i have 2 accounts with lending club and 1 of the accounts i went on default because of covid i informed them of my situation but received no additional help i tried to have them refinance but they refused. On my second loan i have been paying on time every month because is with a co signer and he is the one paying it i have spoken to lending club about my situation and representatives say their is nothing they can do not im getting about 10 calls a day all day long and everyday for the last 2 weeks i feel harassed by them and they dont stop
Product: Checking or savings account

I called my Wells Fargo XXXX SUPPORT FOR AN UNAUTHORIZED TRANSACTION on my card, but instead of fixing the issue, they caused a much bigger problem They blocked my card. even though i rold them not to, cause i am on business trip far away from home And i dont carry cash with me, and i use my card for evry day needs from food hotel fuel also have many atoupayment setup on this card, now trying to buy some cryptos on card but was declined because it is blocked also i cant get hotel food or anything. Basically i am dead broke for the next XXXX to 10 days until the next card will be mailed home But i am no where near home for the next XXXX. Even though i explained my situation to the XXXX, they dont care if i starve to death or sleep or conduct my every day business. I already missed a good investment opportunities on crypto coins also will be spending many nights out like a homeless with no way to buy food, and many upcoming payments wil also XXXX missed and all that good stuff that comes after!!! 
I explained all this to MY WELLS FARGO BANK XXXX XXXX I SPOKE WITH. NOW I AM LEFT NO CHOICE BUT TO ASK FOR CHARITY FROM OTHERS, EVEN THOUGH I HAVE THOUSANDS OF DOLLARS ON MY ACCOUNT BUT CANT ACCESS OR USE IT, ITS A SHAME ON A BANK TO TREAT THEIR CUSTOMERS THIS WAY AND CAUSING MUCH WORST SITUATIONS. INSTEAD OF FIXING A SIMPLE XXXX NOW I AM FILLING THIS COMPLAIN FOR ALL THIS MISFORTUNE I'M XXXX FORCED TO ENDURE FOR THE NEXT 10 DAYS AWAY FROM MY COMFORT ZONE. 
AND I HELD THIS INSTITUTION RESPONSIBLE FOR XXXX THING THAS HAPPENING TO ME NOW AND ALL REPRICAUTIONS THAT WILL OCCUR IN THE FUTURE. CAUSED BY BLOCKING MY DEBIT CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma said I was pre approved for credit cards to rebuild my credit. 
When I applied for the " pre approved '' credit card, I was denied and my credit score dropped by about XXXX points, making my credit score low. I was also in the process of purchasing a new vehicle, and with the credit score drop, I was unable to do so. 
I emailed the Credit Karma and they said just because it was pre approved, it didn't mean I was eligible. 
I do not know how to upload the email thread between Credit Karma and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I have established credit since XX/XX/2000 and the creditors are sending my credit history to all ( 3 ) Credit Bureaus. However, Equifax Report does not reflect any credit history information for the past 6 years.
Product: Mortgage

On XX/XX/XXXX we entered into a purchase agreement for a home. The home was a short sale with 3 lenders involved. 

The 3 lenders are XXXX ( the main lender ), XXXX XXXX ( junior lender ) and Santander ( junior lender ). 

We sold our house in good faith and moved into a hotel on XX/XX/XXXX because we were told the short sale for our purchased home would be closing soon. XXXX, which is the senior lender, has been cooperative, as well as, XXXX XXXX One, one of the junior lenders, throughout the entire process. Santander Bank, however, has been giving us a difficult time, missing deadlines, dragging the process out, resulting in the expiration of approvals given by the other two lenders. 

The law firm which started in XX/XX/XXXX the short sale process for the homeowners has already dropped the case as two of their workers experienced issues with Santander Bank from the beginning. 

Due to Santander Banks failure to act in good faith over the past nine months, we have been living in a hotel since XX/XX/XXXX. All of this occurring during the pandemic, with no resolution nor any end in sight from Santander Bank. Other than duplicative follow-ups, the only response we have received from Santander Bank is we're reviewing it. 
As noted, the failure of Santander Bank to provide timely responses, has caused original approvals to expire, requiring us to restart the entire process. We were told by Santander that a decision would of been reached on XX/XX/XXXX, then XX/XX/XXXX, and the dates have just been moving and changing ever since. Santander Bank is not following any banking and or government guidelines, which results in this process continuing with no end in sight. 

We are without a home during a pandemic. This is causing grave emotional stress and duress to me and my wife. It is interfering with our life and our wellbeing. The actions of Santander Bank make me feel targeted. They have failed to show any good faith and fair dealing during this entire process. Our negotiator has been calling everyday with no positive outcome. The other two lenders have resolved their part of the process in a matter of weeks, while Santander Bank has been stretching this out without any willingness to cooperate.
Product: Vehicle loan or lease

I paid over 72 % of my car loan with XXXX XXXX XXXX and due to XXXX I got behind on my car payments. I discuss this with the auto loan finance company, but they refuse to help lower my payments or work with. I was never late on my car payments for two years. The car loan was {$10000.00} and I only owed {$2600.00} at the time of repossession of XX/XX/2022. After repossession, I owed {$2900.00}. The vehicle was sold and now they saying I still owe them {$620.00}. It is still reporting on my credit report that I owe {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax 's gross negligence with my personal data - vast amounts of information is out in the public now due to their data breach in XXXX 2017. This includes SSN, Address, CC Numbers, Date of Birth - effectively anything someone needs to impersonate me. Equifax 's position as one of three major credit reporting agencies demands unparalleled data security. The fact a web application could bypass this demonstrates a complete breakdown of basic security practices.
Product: Vehicle loan or lease

XXXX XXXX-I attempted to sale my vehicle. Its XXXX XXXX  XXXX. I was informed at that time that my title was reading within mechanical limits which depreciates the value over $ XXXX. The dealership refused the purchase it at a fair market price. I then attempted to resolve this issue with the DMV, Tag & Title office located in XXXX GA, XXXX XXXX. The supervisor informed me that the clerk input my information in the computer incorrectly due to a computer system upgrade & that this matter couldnt be resolved without the original title. She asked me to contact my lein holder which is USAA. I contacted USAA and they stated that they received an electronic title, not the original. USAA attempted to retrieve the original title 3 times since XX/XX/XXXX and never received it. Ive contacted both the DMV/Tag & Title Office manager several times about this matter and they have told me that they do not have the original title to make the corrections so I can sale the vehicle at a fair market price. I then contacted XXXX in XXXX Ga where I originally purchased the vehicle for a copy of my agreement, since I feel like they have violated my consumer rights as well by not disclosing all pertinent information related to the vehicle upon purchasing. The items of speaking of include the incorrect odometer reading & auction purchase. It has been six months that myself and my lien holder has tried to resolve this matter with no help. This failure on the Tag, Title & DMV office in XXXX GA, XXXX XXXX and the XXXX Dealership in XXXX GA has costed me over {$900.00} a month in fees. Their lack of compassion and blatant disregard for my rights has caused hardship on me and my family. As an Active Duty Military Member for the past 17 years I have never been treated so unfairly or violated. Please investigate and help me resolve this issue immediately.