23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Spoke with the dept of loans here in Alabama and was told this company does not have a license to do business in Alabama and that she had sent these companies I mention in this report to you all for investigation from other consumer. I took out a {$2600.00} dollar loan and paid {$290.00} for a year and my balance is still XXXX With past due of {$610.00} and then tried collecting again through XXXX for the total amount of the original loan, now reporting on XXXX with XXXX as a write off of XXXX $ with a {$1600.00} past due balance. I was told by the contact person for bureau of loans that this was given to you all before and is being investigated. Many states have taken action including voided these loans. Please get these predatory people to shut down. Western Sky is the originator of these loans and the document by Delbert services says refer to Western Sky for questions. This info needs to be verified. Western Sky is not doing loans now. I wonder why? They immediately after doing the loan say they sent info via email that they ( Delbert ) would be collecting on the loan. Please do research and figure why did they sell the customers from western sky to Delbert services and now XXXX XXXX. They are killing my credit report because I am refusing to pay after researching they are under scrutiny with other states. This has got to be illegal. They are now trying to collect with settlements for half the amt of the loan and someone has been calling my cell and not leaving a message. He 's asks for me and does not say. I owe no one to call me discretly. I think it 's XXXX trying to catch me. Please make this go away off my credit report. I have tried hard to fix it and now they have trashed it along with having been harassed for months before contacting you all before. They wrote it off XXXX for {$2600.00} and sent an email to collect again XXXX/XXXXXX/XX/2015 for the XXXX {$.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry On my ( XXXX XXXX } credit report. I recently retrieved my credit report and it showed a company pulled my credit without my permission and I am not happy because it is affecting my credit in a negative. The inquiry details are : XXXX XXXXXXXX XXXX ( Important Dates : Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Adidtional details ( Business Type : Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00} Charged off XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received a letter from Department Stores National Bank dated XX/XX/19 that a refund check in the amount of {$43.00} was issued to me and remained uncashed. The refund check was supposedly dated XXXXhowever, I never received such a check. As a result, I contacted Department Stores National Bank and spoke with XXXX ( I.D. # XXXX ). She seemed confused as to how to handle my issue, but after several minutes holding she returned to the line and reassured me that this check would be reissued-however, I have not received the check and have been unable to contact the business since that time. I am requesting that Department Stores National Bank reissue my refund check and forward it to my address immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {XXXX ( Original Creditor : ) XXXX Balance : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries all fraudulent. Please investigate and remove from my reports immediately
Product: Credit reporting or other personal consumer reports

I missed a payment due to a billing error and me switching jobs so my first few checks were sent mail instead of direct deposit, due to that a missed/late payment has been reported to my credit causing me to lose a housing opportunity due to my credit going down. This is my first missed payment and since then I have made a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for inquiries to be removed and Equifax responded by saying that they contacted the furnisher and results were mailed to me. I would like for the results to be sent via email or through the CFPB portal being that I submit documentation through this portal. I should not have to wait when results can be delivered now. This is a stall tactic. I have included my id for proof of identification. Please remove the 3 inquiries from my credit report. The complaint id to reference is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates a Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to correct late open accounts on my credit report. Despite my persistent efforts, these inaccuracies remain unresolved, causing significant distress and financial consequences. I first initiated disputes regarding these late open accounts. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments and account closure records. Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of these inaccuracies on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit report to verify the accuracy of the late open accounts in question. An investigation into the origins and validity of these accounts, including the verification of my claims regarding the correct opening and closure dates. Immediate correction and removal of these late open accounts from my credit report if they are found to be inaccurate. An explanation for the prolonged delay in resolving these disputes and the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify these inaccuracies and a specific timeline for their completion. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve these matters to my satisfaction. I am asking for your assistance to correct the late open accounts in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased an ink cartridge for my printer thru XXXX I returned ink cartridge because printer was the malfunctioning problemand not in need of ink XXXX used same FLASH delivery to pick up cartridge I am awaiting refund {$23.00}
Product: Debt collection

I contacted customer service on XX/XX/2018 at XXXX to request information on the debt owed ( XXXX ). CCS collection agency reports that they can not mail any payment history nor signed contracts to me due to them not having the information. Company is unable to prove that I owe this debt. I would like the debt removed from all three credit bureaus
Product: Mortgage

In recasting my mortgage with Chase, they sent me instructions, which I followed to the " T ''. this was supposed to make the adjustment to our mortgage by the XXXX XXXX, 2016 payment. I provided them with a check for XXXX the minimum amount and 7 days before their deadline. Chase then misplaced my request and did not send the paperwork required by them. BY the time I called this to their attention, they sent the paperwork about a month late, and therefore, the recast did not take place until the XXXX, 2016 payment date. I am requesting a refund of the extra {$730.00} in interest their negligence cost me. They have continued to deny my dispute and dismissed it without notifying me.
Product: Mortgage

I got a mortgage from XXXX financial institution XXXX. This institution went out of business for a long time, maybe XXXX. For over ten years I am been dragged in and out of court by other institutions in an effort to confiscate my home. 

When I bought this house, I was part of the mortgage scam. I was given a mortgage for over {$500000.00}. As an elderly American I was not aware of all the trickeries applied to me. I got a house and when I went to take over it was a shell. No bathrooms no kitchen, no running water, no plumbing, roof caving in, no heating system ; It was just a shell. I was tricked. I cried because I was indebted to a bank and I had no home that was fit for living in. I was a victim of the mortgage scam. I did not know how to fight a big bank. I paid the mortgage and had few repairs done so I could live in this shell I was given. How could a bank authorize and pay out {>= $1,000,000} mortgage for a shell. 

The bank XXXX is no longer in existence. Two judges have since dismissed the foreclosure case. Today the judge is rescinding saying he made a mistake. Now another bank Seterus financial institution is putting my home on the auction. Who can investigate these financial institutions for such robbery to a widow with no husband to help fight such giants. What I understand is that I was robbed and the representatives of the financial institution XXXX and the parties involved must have known. 

After fighting this situation, depleted all my resources, to live in my home, now another bank is claiming my home. Who am I to petition to investigate both the assets of XXXX a bank no longer in existence and Seterus who is claiming to own this robbery of a situation? Please help I can not be robbed twice for the same home.
Product: Mortgage

Wells Fargo is operating in FRAUD against my ESTATE and TRUST claim ownership in my personal property never acquired with them however the mortgage note was fraudulently unlawfully sold to them by XXXX XXXX XXXX XXXX which I already 1099 A and 1099 C and hold copy B for also submitted my w4 process to the IRS, I have no business with WELLS FARGO BANK NA and if thus continues we can take this to the Supreme Court as a class action cause it's alot of XXXX XXXX ready to hop on board, this is fraud why the XXXX the CFPB DONT ADDRESS THAT and stop entertaining WELLS FARGO BANK NA foolishness! If they saying I owe them prove it where is the XXXX XXXX XXXX XXXX  documentation bearing my WET INK SIGNATURE prove your claim.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

Midland funding reporting expired debt on my credit report I never received anything in regards to dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have been disputing with these 3 companies about the accuracy of my consumer report. Over the year I have been letting them know the laws that they have been violating. As a consumer they are violating a number of my consumer rights. According to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have no been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to first time home buyers program and credit was pulled and was informed about 2 credit card charge offs both opened in XXXX without my knowledge. I was advised to get police reports, identity theft reports and dispute directly with bureaus. I sent letters with police report, identity theft report and Id in XX/XX/XXXX for validation of debt, none was provided. Sent letters again XX/XX/XXXX and again certified XX/XX/XXXX. I was XXXX in XXXX and had no knowledge of anything related to credit nor have I ever had a credit card until XXXX I just got a secured card to use my own money while I learn about credit. I have contacted the creditors as well and still have yet to receive proof of these debts. 

Navy federal opened XX/XX/XXXX owed {$3100.00} XXXX XXXX opened XX/XX/XXXX owed {$3600.00} I will be starting litigation using ground " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists '' to seek removal of these 2 accounts
Product: Mortgage

I am attempting to sell the home that was granted to me through a will from my father. Over the past 2 months I have made several attempts to provide the information they need in order to discuss the loan and be provided with a pay off amount for the title company. I have hired an attorney, and I have had no luck communicating with this mortgage company. The home is under contract and set to close on XX/XX/XXXX. The title company and the law firm doing the closing have also requested payoff information and this bank refuses to provide us with the necessary information and amounts in which to pay off and satisfy this mortgage. This is a last resort in order to attempt to find a way to fully pay the debt that is owed on this house. 

Please note I have been working on this since XX/XX/XXXX. 

We have attempted to supply all information the bank has requested on multiple occasions and they refuse to confirm and/or acknowledge that they have received the information requested.
Product: Credit reporting or other personal consumer reports

I have previously disputed these public records XXXX XXXX XXXX XXXX # XXXX And XXXX XXXX XXXX XXXX # XXXX. XXXX Transunion. and in response it verified the item as accurate, stating that Transunion has verified the information with the court. 
I contacted the court, and they said that they don't share personal information. 
It is clear they do not report to Transunion or any credit bureau for that matter, therefore the initial response verifying the item with the court was either an error or a lie. 
either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 16811 ) And the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

Attaching FTC report which contains XXXX fraudulent accounts to be blocked removed under FCRA 605B as I have no knowledge of these accounts nor do I have any knowledge of these fraudulent unknown addresses.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries on My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXXStatement : XXXX I have identified multiple unauthorized inquiries on my credit report, conducted by various lenders as listed above. I do not recognize these lenders, and I did not authorize these inquiries. It is evident that these companies used these inquiries to profit, with no apparent benefit to me. Therefore, I demand the immediate removal of these unauthorized inquiries from my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, they are dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested the removal of a credit freeze from TRANSUNION, I was not notified of any issues, and was alerted that the freeze had been removed. When my wife and I applied for an apartment on Friday, XX/XX/XXXX, my assumption was that this freeze had been removed. 

However, I received a notification from the potential landlord on Monday, XX/XX/XXXX that the freeze was still on my account, and I would be charged an additional {$35.00} ( with no guarantee of getting this apartment ). 

When I called TRANSUNION, two people incorrectly told me that the freeze had already been removed, and refused to acknowledge that there was an issue. After 45 minutes on the phone, I finally spoke with someone who acknowledged and error. However, they told me the account needed to be frozen for an ADDITIONAL 5 DAYS, and that they would not alert me when the freeze was lifted ( I would have to sit on the phone for another hour to determine this ). It was important to confirm this, because I did not want to have another {$35.00} fee for a failed credit check. 

When I called back today, I had several people tell me that nothing was wrong with my account ( similar to last time ), I had to spend 45 minutes on the phone before someone was able to confirm that maintenance had actually been performed. 

This is an unbelievable abuse of the power, and I believe that in order to maintain all of their proper accreditation, they should put in additional stop gaps to prevent this from happening.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, Transunion, XXXX a letter asking for proof of the alleged late payments on this account they have yet to provide any proof of such account. I asked for them to send this information to me and they never did but said its valid