23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX I had to file bankruptcy due to my XXXX to protect myself. I had to include my car loan eventhough I intended to pay it off, which I did in XXXX of XXXX. I have the lien free title and a letter from Capitol One Auto Finance releasing the lien. I have asked Capitol One to remove this bankruptcy report from my credit reports but they refuse even though they acknowledge that I paid it off and they say it will stay on my reports until XXXX. I contacted the XXXX credit reporting agencies as well however they are telling me that it is up to Capitol One Auto Finance to remove the negative reporting. I want this removed from my credit repors as I am trying to rebuild my life after the devastating blow that I took because of my exhusband. 
My name is XXXX XXXX, my loan number is XXXX and it was for a XXXX Ford Taurus VIN # XXXX. My contact number is XXXX.
Product: Credit card

I called this morning to get a status on my fraud claim XXXX for 3 transactions that I was not part of. The first representative told me that the claim has been accepted on XX/XX/XXXX and I was all good and that bank did not need anything else from me. I then received a physical letter in the mail requesting to sign fraud and forgery form. I called again to confirm if form was still needed and was met with hostility by the agent. He told me that they dont have any claims in his department and told me that investigation is ongoing. I let him know that I was told otherwise, but he did not care. I did submit a police report already. I am trying to actually figure out where this fraud claim stands because I did not buy anything off XXXX worth of over {$5000.00}. But also expect to be treated with respect : I would want somebody to review my second call.
Product: Mortgage

On XXXX XXXX, CitiMortgage transferred my mortgage to XXXX XXXX. I inadvertently let my XXXX electronic payment go to CitiMortgage on XXXX XXXX and it cleared my checking account on XXXX XXXX. On XXXX XXXX, I caught my error and contacted CitiMortgage, who replied the next day that they would forward the payment to XXXX. As of today, XXXX XXXX, XXXX has not yet received the payment. I work in banking, and I understand that this should take a matter of moments. I 'm under the impression that CitiMortgage is sitting on the funds, drawing interest.
Product: Mortgage

I have tried calling/website/email. They said on the website that someone will call me back in 24 hours that was starting in XX/XX/XXXX. They call you answer the phone it disconnects. You call another number that they leave when you call back and you are put on hold. One time I watched 3 1 hours tv shows no one ever answered. All they do on the website is tell you someone will contact you in 24 hours. One time they told me since I was not a hurricane victim I would have to wait. I NEVER could afford this loan but they told me I could and since it was my first time I believed them. They will not help me in anyway. I want out of this home. I do have it listed just at the price I owe but no luck, they won't tell me if I can have a certain amount of time to sell it or anything. Also when I called the lending office of where I closed at they told me that since it already funded they were no longer going to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that your company review my payment history and take immediate steps to correct these erroneous reports. Additionally, please notify the relevant credit reporting agencies [ XXXX, XXXX, and XXXX ] to remove the incorrect late payment entries from my credit report. 

Attached are copies of my payment records, which demonstrate that I made my payments on time and as agreed. Please ensure that this matter is handled with urgency, as these inaccuracies have had a serious impact on my financial well-being. 

I would appreciate written confirmation that the late payment entries have been removed from my credit report and that no further errors will be made regarding my payment history. 

Thank you for your prompt attention to this matter. I look forward to your response and the swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I refinanced my home back in XXXX. I left freedom mortgage. I am waiting for an escrow payment refund and I never received it. Then they told me that everything matched right to XXXX and I am not entitled to any escrow payment. There is no way it came to exactly XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank reported a liability of about {$8800.00} on my credit report for XX/XX/XXXX which had already been discharged on my credit report according to XXXX and XXXX credit reports on XX/XX/XXXX for myself, XXXX XXXX, and on XX/XX/XXXX for my wife, XXXX XXXX XXXX on the same reports for her credit. The item has not appeared on both our credit reports since XX/XX/XXXX until it appeared in XX/XX/XXXX without any kind of communication or notice from Wells Fargo. As further evidence that this item was NOT a part of my credit report, in XXXX of XXXX, I applied for and was approved for a VA loan for a house with my wife XXXX as co-borrower and this item was NOT on my ( XXXX XXXX ) nor my wife 's ( XXXX XXXX XXXX ) credit reports which the VA completed through XXXX XXXX, XXXX XXXX, NV, who along with the VA pulled my credit report score in order to determine eligibility for the loan. The loan was approved. This item also DID NOT appear on either my ( XXXX ) or my wife ( XXXX ) credit report when we were co borrowers for a loan on a XXXX XXXX XXXX truck when it was pulled by XXXX XXXX to determine eligibility for the car loan, which was approved in XXXX XXXX. This item also DID NOT appear on either my ( XXXX ) or my wife ( XXXX ) credit reports when we were both co borrowers for a loan for a XXXX XXXX car purchased from XXXX XXXX, XXXX XXXX, NV in XXXX XXXX, a loan which was approved with a reduced interest rate because of my credit and my wife 's credit scores. Furthermore, I have never received any written or oral communication from Wells Fargo bank about this item or its inclusion on my credit report. It appears that the item after being closed in XXXX of XXXX ( XXXX ) and XXXX of XXXX ( XXXX ), both recorded by XXXX/XXXX credit reporting agencies, has been re-added to my credit score after a three year absence from it when it was closed.
Product: Debt collection

I ask for debt to be removed from my credit report they said it was accurate I don't even know what this is i didn't open this acct and I looked into it XXXX was taken out of my bank account for carmax I do have proof i have bank statement. I called company they want me to pay for a credit report run it and then go from there to see what they can do about it. For get that why would i pay for a credit report..They are damaging my credit score and it been even paid off.
Product: Debt collection

I recently financed a computer from asset acceptance. I got a few weeks behind. They started calling my phone like XXXX 5 times daily. Then they started showing up to my house. What I did n't know is they are rent a center. Which if i would have known I would not have done buisness with them.That 's false information to get peoples buisness. They are coming to my house banging on my door when I have a door bell. Talking loud enough for my neighbors to hear and trying to embarrass me. I 've tried contacting corporate they are not trying to work with me they just want their stuff back then ill be out of my money I spent.This is how they do consumers in order to make more money.
Product: Credit reporting

Equifax has billed me for a year subscription at {$170.00} per year. I called on XX/XX/XXXX to tell them I only wanted this last month. I just checked my billing and the charge was still on there. They were suppose to refund me {$160.00} I spoke with them on XX/XX/2017
Product: Debt collection

I was contacted via email by January.XXXX on a supposed debt to XXXX XXXX. Ive never had an account with XXXX XXXX and have filed a complaint against them previously when a different debt collector reached out. The last time I filed a complaint the debt collector rescinded their request when they couldnt confirm the debt. XXXX XXXX also confirmed theres no account associated with me.
Product: Vehicle loan or lease

Recently, a company that is not affiliated with the PREDATORY LENDER Truist, and therefore should not have had access to my personal details, entered my property and stole my vehicle. This company had access to highly sensitive information, including my name, address, social security number, and loan balance, which is concerning as this information is not publicly available. 

During the theft, the perpetrators deactivated all of my original key fobs and programmed a new aftermarket fob. This aftermarket fob has since malfunctioned, and XXXX is charging {$250.00} to reprogram my original fobs. This situation has caused me significant inconvenience and financial burden.
Product: Debt collection

Company accused of opening thousands of unauthorized accounts and hurting credit scores. A recent class-action lawsuit filed in XXXX XXXX XXXX XXXXt accuses the XXXX XXXX XXXX of opening thousands of accounts without permission and damaging credit scores have me in collections for XXXX different accounts one I did not open inaccurate payments posted in the collections
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally demand resolution for the inaccurate and violating acts committed by your credit bureau , which have directly infringed upon my consumer rights. Upon reviewing my credit reports, I have discovered numerous instances of inaccurate information that have caused significant harm to my creditworthiness and financial well-being. 

It is my belief that these inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers like myself from the dissemination of false and misleading information. I have diligently attempted to rectify these errors through your dispute resolution process, but have been met with inadequate investigations and insufficient responses from your bureau. 

Therefore, I am formally demanding that you initiate an arbitration process to address and rectify the following issues : XXXX. CAPITAL ONE XXXX - This entry is completely false and has unjustly tarnished my credit history. I have provided evidence to support my claim, yet it has not been adequately addressed. 

XXXX. CAPITAL ONE XXXX - Balance - This entry contains incorrect information regarding my payment history, leading to an unfair assessment of my creditworthiness. I have repeatedly contacted your bureau to dispute this entry, but have received no satisfactory resolution. 

XXXX. CAPITAL ONE XXXX - Payment History - This entry reflects a debt that has been CLOSED XX/XX/XXXX, yet CHARGED OFF XX/XX/XXXX as it continues to be reported as outstanding. I have provided documentation proving its resolution, but your bureau has failed to update the information accordingly. 

XXXX. Account Inquiries- I did not give permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The unauthorized and fraudulent credit inquiries made by the following companies : I demand you, to produce a contract between you and I, the consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 


I am asserting my right to have these matters resolved through arbitration, as outlined in the FCRA. I trust that you will comply with this request and provide me with the necessary information and instructions to initiate the arbitration process. Failure to do so will leave me no choice but to pursue legal remedies to protect my rights as a consumer. 

I look forward to your prompt attention to this matter and a swift resolution. Please provide me with a written response within [ XXXX  days ] to confirm that you have initiated the arbitration process and are taking the necessary steps to address these violations. 

Thank you for your immediate attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX before loan was transferred to XXXX in XXXX. I have no record because I bank with a different bank Shows 90 day late without 30 or 60 day late.

All three bureaus show different information Account was in litigation while they reported late They failed to investigate disputes I disputed loans all XXXX XXXX all disputes were not investigated and verified accurate. 

Just disputed again last month and failed. I called to have them remove late payment and they would not do it. Even agreed to pay for a loan that was already paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a repossession on my credit from Toyota motor Corp that should not be there! The car was bought out of and I was told a repossession would not be on my credit the car has since been paid off and traded. I do not need this garbage on my credit!!! I will never return to Toyota or even speak highly of them after my experience and this experience if this does not come off my credit I will be reporting further to new stations and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the inquiries I am disputing : Creditor Name - XXXX XXXX XXXX XXXX Type of Business - Credit Unions Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX Type of Business - XXXX XXXX Date of inquiry - XX/XX/2022 Credit Bureau XXXX XXXX Creditor Name - XXXX  Type of Business - Bank Credit Cards Date of inquiry - XX/XX/2022 Credit Bureau XXXX Experian Creditor Name XXXX XXXX  XXXX XXXX  Type of Business - Bank Credit Cards Date of inquiry - XX/XX/2022 Credit Bureau XXXX XXXX Creditor Name - XXXX XXXX Type of Business XXXX Bank Credit Cards Date of inquiry - XX/XX/2022 Credit Bureau XXXX XXXX Creditor Name XXXX XXXX Type of Business - Date of inquiry - XX/XX/2022 Credit Bureau - XXXX Creditor Name - XXXX XXXX XXXX XXXX XXXX Type of Business - Federal Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX XXXX XXXX XXXX XXXX Type of Business - Federal Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX  Type of Business - Tenant Screeners Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX  Type of Business - Personal Loan Companies Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX  Type of Business - Personal Loan Companies Date of inquiry - XX/XX/2022 Credit Bureau - XXXX  Creditor Name XXXX XXXX XXXX Type of Business - Miscellaneous Finance Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - EXPERIAN BUSINESS Type of Business - Credit Bureau Inquiries Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX Type of Business XXXX Personal Loan Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX XXXX XXXX XXXX XXXX Type of Business - Federal Date of inquiry - XX/XX/2022 Credit Bureau - Experian In accordance with the Fair Credit Reporting act the above accounts has violated my rights. 

Section 604 - 15 U.S. code 1681 B - This law states the the bureaus don't have any right to report anything on your credit without your permission.

Section 605 A - 15 U.S. code 1681 C-1 states that without consent to share your information it is identity theft Section 605 B - 15 U.S. code 1681 C-2 states if you are notified of anything on your credit it is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Incorrect Information from Credit Report Due to Identity Theft and FCRA Violation Dear Kikoff Support, I am writing in response to the recent communication regarding Complaint # XXXX. 

I have filed numerous disputes through XXXX, XXXX, and XXXX regarding this account, which has come back verified under the name " XXXX XXXX. '' This is not the legally correct spelling of my name, and I have no knowledge of the account in question. Following my compliant, you manually created a login for an account that I have never authorized or acknowledged. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e regarding compliance procedures. 

As a victim of identity theft, I must reiterate that this account should not be reported under my name. The continued verification of this incorrect information is unlawful, and I demand the immediate removal of this account from my credit report. 

Should this issue not be resolved within 15 business days, I will have no choice but to pursue legal action for violations of my consumer rights under the FCRA. 

I appreciate your prompt attention to this matter and expect confirmation that the necessary corrections have been made. 

Sincerely, XXXX XXXX