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

Whilst reviewing my XXXX credit report on XX/XX/XXXX, I saw that there is a collections alert in the amount of {$560.00} from LVNV [ Acct # XXXX ] Who bought this debt from XXXX XXXX XXXX and placed it on collections on XX/XX/XXXX. 
According to the report, this account was opened in my name using my SSN XXXX XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, I neither lived at that address, nor ever in XXXX, Texas. 
I took these steps. 
1.On XX/XX/XXXX, I called XXXX and spoke with a very conscientious lady called XXXX and disputed the information. She assigned to me reference # XXXX for the fraudulent account and # XXXX for the address wrongfully associated with me. 
2.On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX XXXX informed them that know nothing and have nothing to do with that acct. after they confirmed my information was used to open it. 
3. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX ( where the aforesaid address is ) and spoke with a sympathetic lady called XXXX to whom I also emailed the details thru " XXXX of which she acknowledged receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2020 I have had repeated problems accessing my credit report. I received an email again today indicating I could access an updated version of my credit report but the link sends me to a login tht if successful lands you to a page that does nothing but list options that no matter how manhy times you click those options you go no where. Experian is trying to steerpeople to use cell phones only to access their data which does not enable you to download a copy of your report much less easily file a dispute about an error on you report. This needs to be corrected ASAP. thank you.
Product: Mortgage

The lender with which I've applied and have been approved has twice failed to fund the loan. 

For the second time in three weeks Ally bank has sent a closing officer to my house, had me sign everything, then waits until after the 3-day cancellation period ( Oregon ) and then continues to ask for additional information outside of the application.

After I provide each piece in a very timely manner they ask for one more. They asked for paystubs and I provided them and then they told me they could be doctored. They then said that a screenshot of the business bank account showing recent transactions ( within 10 days ) would suffice and I provided it. They then asked for my accountant 's information which I provided immediately.

This is all after we have already " closed '' the loan and waited until after the 3-day cancelation period. 

I have asked for the supervisor 's information and they refuse to give it to me. I have already paid for the appraisal and they have taken nearly 2 months and have still failed to close. 

I have provided all documentation and information to them almost immediately after they request it. My income, credit score, and assets all easily qualify for this loan and the refinance does not include any cash-out and I am refinancing at roughly 55 % LTV.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that Ive been victim of Identity Theft and found numerous credit inquiries I have no knowledge of here are the inquiries Ive have found ; capitol one XX/XX/XXXX, capitol one XX/XX/XXXX, Capital one XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX.
Product: Debt collection

I want to acknowledge your efforts in removing some of the disputed accounts from my credit file, following my previous dispute. However, I wish to address my confusion and concern as there are still discrepancies on my credit report that remain unresolved, despite being successfully rectified by other credit bureaus. The following accounts are still inaccurately reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to emphasize that these accounts have already been removed by the other credit bureaus. I have attached the necessary documentation to support my claims, and I request a thorough investigation to correct these inaccuracies promptly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be deleted immediately. 

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, credit repair services, or other personal consumer reports

I consumer XXXX XXXX, received a consumer report from Equifax and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to Equifax more than 30 days ago and have not received any response. I am deeply distressed by Equifax 's noncompliance. XXXX is civilly liable pursuant to 15 USC 1681n
Product: Vehicle loan or lease

I never thought the fees and GAP was handled properly.

And overdraft charges were unfair.
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the persistent existence of fraudulent items on my credit file not only undermines my financial credibility but also poses significant risks to my financial well-being and reputation. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in my records. 

I urge you to conduct a comprehensive review of my credit file and the procedures and systems used by your organization to manage credit information. 

Furthermore, I request that you prioritize the investigation and removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. This may involve verifying the accuracy of the information, initiating disputes with credit reporting agencies, and advocating on my behalf to rectify inaccuracies in my credit report. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address these concerns and provide me with regular updates on the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity. I am requesting the following actions to rectify this situation : I kindly request that you promptly remove the aforementioned fraudulent items from my credit report. It is crucial that they are deleted as soon as possible to mitigate the harm to my credit score. I request that a thorough investigation be conducted into the authenticity of the disputed items. I have provided substantial evidence to support my claims of identity theft, and I urge you to take this matter seriously. Please liaise with the relevant creditors to ensure that they are made aware of the fraudulent nature of these accounts and update their records accordingly. I am asking for your assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX did not authorize the car company XXXX XXXX XXXX. Located in XXXX XXXX XXXX in XXXX pa to run my credit report at all! I did not give them authorization to run my report and this is unacceptable, they ran my credit through XXXX companies of the name of XXXX XXXX  XXXX XXXX and Santander. I had really tried to get this removed and to no avail. Please report this company
Product: Credit reporting or other personal consumer reports

I checked my consumer report regarding the XXXX and XXXX today of XX/XX/year> and noticed a credit reporting agency reported on my credit without my written instruction. I gave them refusal to pay and no written instruction to furnish my credit report using my information. This is the second time after it has already been removed. Nothing is supposed to be on my credit report as the The law states XXXX I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and XXXX has set certain laws in place I would like to send over a XXXX XXXX also the form XXXX and XXXX oid ab also the XXXX and the XXXX as they are now banned from calling me or faxing me I am also sending them over a true bill under title XXXX and they have now violated title XXXX as if they are above XXXX and under title XXXX you violate me any further I can sue you as I dont not owe third party debt XXXX anything XXXX law XXXX edition title XXXX as what I thought was loans where actually deposits XXXX XXXX c ( c ) XXXX ( a ) and ( b ) XXXX ( XXXX ) Please XXXX also states false representation.im also sending a tire bill immediately if this isnt resolved asap. Delete and remove immediately and follow the laws set in place by XXXX I have sent over a true bill and would like a resolution asap. I shouldnt have to wait to move forward in life do to your negligence. Remove account.
Product: Debt collection

I have been receiving call repeatedly with threats of lawsuit. In the past I asked for written documentation, which they have failed to send. They have contacted family members who do not live with me. Very abusive messages. When I have talked to them, they are verbally abusive. I do n't like to respond b/c I do n't want to give personal information over the phone. I ca n't clearly understand the company they are calling from, which makes me more suspicious. I would send a letter asking the calls to cease, but I do n't want to let these people scam me. I am very scared. The numbers they have called me from are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Product: Checking or savings account

On XX/XX/2023, I was trying to withdraw {$1000.00} from my checking account ending XXXX. The bank fraud alert came in via text message on my cell phone ending # XXXX. And the cash was not disbursed due to " Security alert ''. I was told on that Text to type YES OR NO if I am the one who is trying to withdraw this cash. I then typed YES and was told to try again. 

I then tried again and disbursed {$800.00}. Bank of America took credit for both transactions for {$1000.00} & then {$800.00}. I filed a claim at the Bank of America, and they denied me not to give me credit of that {$1000.00}. I have the entire text message via my text & I even sent that as evidence. Still, they denied giving me the credit of my {$1000.00} credit.
Product: Credit reporting or other personal consumer reports

My Lowes credit card was closed as of yesterday. I received a letter stating they pulled a XXXX XXXX report and my score had dropped from the XXXX to XXXX and I now have multiple delinquencies and late payments. When I called to question this, I was told it would have to be resolved with XXXX XXXX and given no other option to have my account re-opened or pull the credit report again. I called XXXX XXXX. They are mailing me a letter with my credit report as they could not give me a number over the phone, but they were able to tell me that what lowes sent me about my credit report is not correct. I was instructed to call them back. I called Lowes again and was not offered any resolution. Only after I complained did I get an option of filing a dispute, but was told now that the card is closed they would not be able to open it back up even if I am correct about their error. I do not believe a dispute was filed as the rep on the phone did not give me any opportunity to answer any type of questions to file it.
Product: Mortgage

Wells Fargo - offered and provided me a Deed in Lieu of Foreclosure in XXXX 2014. XXXX my credit report it list the ( DIL ) I have asked Wells Fargo numerous times to provide me paperwork that states this is done. Wells Fargo has sent me the same BS info - '' Property preservation is in the process of preparing the home for the transfer. This may include any repairs, yard work or clean-up that they deem is needed. Once completed claims will review the file, pull updated title work and have the DIL documents sent for recording. This recording is the transfer of the home out of your name and into HUD 's. Once recorded you will be able to obtain a copy of the recorded DIL documents from your local courthouse. 

Once recorded HUD will review the file and advise claims to complete the final steps to close out the file. This includes the issuing of any incentive funds and is typically 60-90 days from recording. 

For any tax related questions please contact our tax customer service lines at XXXX or XXXXThank you, It has been over a year and based on Wells Fargo inability to get this done in a timely manner that house now has a hole in the roof, water leaks inside and I still get tax bill and local water bills because Wells Fargo is not living up to their art of this deal
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit Line increase on my XXXX Double Cash Card. I have been a card holder for almost a year with a stellar payment history. I have exceptional credit, high score, very low utilization and not XXXX blemish on my report. My income is excellent as well. 

My request was denied via the e communications on XXXX website stating that I have too few valid credit references. This information was provided by Equifax. This is categorically incorrect. 

I contacted both Equifax and XXXX. Equifax indicated that they can see my entire credit file and I have excellent credit file, many credit lines and a perfect payment history. Also, they said that I do have a large credit file and perhaps transferring data to creditors has become an issue. I have to believe this is the issue since my decline was based on having to few credit references. 

When speaking to XXXX, my interaction with their rep was one of a dismissive posture. I explained Equifaxs issue with my credit file and that I have an extensive credit history, and excellent credit and it was outrageous to get a decline based on having only a few references. I asked could if she could pull either of the other Bureaus and she said no and that the Federal Government dictates what credit bureau can be used. Her hands were tied.
Product: Credit reporting or other personal consumer reports

Section 605B of the fair credit reporting act ( FCRA ) gives me as a consumer the right to request that credit reporting is accurate and if it isnt should be removed from my reports..
Product: Credit card or prepaid card

I extended my credit to this bank using my ssn. The bank is pretending that they are the creditor and they extended the credit to me, with no proof of funds coming out of their accounts. The only existing documentation that they have is a credit card application with my ssn and signature which proves that they allocated the funds from my trust account. 

Now they have a lien placed against me and are reporting inaccurate information to the credit bureaus in hopes of getting me to pay them an fictiuous debt for extending my credit to them, which is hindering me from taking care of myself and my XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check for over {$5000.00} and the bank held the entirety of the funds for an extended period. 

The general policy allows for partial funds to be used via debit card and electronic payments. However, there was a hold placed on the entire balance preventing me from accessing my money in a timely manner. 

I believe that this is a discriminatory practice, against people who are low income. 

I have made regular direct deposits into the account and have maintained the account for multiple years. 

I think this hold is an infringement on my ability to access my finances as I need to do so in an emergent situation. 

This is unacceptable, and the financial institution should be held liable for any distress that this has caused.
Product: Credit card or prepaid card

on XX/XX/XXXX, I received a card from card.com that was opened in my name but I did not request it and realized it was opened fraudulently because someone had tried to get unemployment in my name. I sent 2 emails to try and find out how to contact them because I couldn't get through by phone and finally talked to someone on XX/XX/XXXX. On XX/XX/XXXX the person I spoke to said the account would be closed and I should get something in the mail stating it was closed. on XX/XX/XXXX sent another email saying I wanted something in writing and on the XXXX they got back to me saying I had to call. On the XXXX I called card.com again and was told the account was closed but they didn't have the capabilities to send a letter about it being closed. I had created an account with identytheft.gov and the plan they suggested was to get a letter saying the account was closed, but the card was never used because it was sent to me. They had my name but not my correct address. They used an address I lived at 18 years ago, but the person that lives there I know so he gave me the mail. 
All I want from them is a letter stating that the account is closed so I can have it for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow Up to Complaint/ XXXX AMERIFINANCIAL responded to my complaint by stating that they never recieved a request for validation.I am resending this request along with photo proof of my request to the address that has been provided ( XXXX XXXX XXXX XXXX , MD XXXX ) I am also sending HIPAA violation letters to each of the credit bureaus which include my intentions to pursue litigation if this matter is not resolved and the damage to my credit profile has not been repaired. 
ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX