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

I was in the process of freezing all my credit bureau accounts due to the XXXX XXXX XXXX breech. This process went smoothly thanks to a XXXX account one of my credit cards gave me. XXXX and XXXX were easy to freeze, with online accounts to set up and monitor. Then came XXXX, which I am still quite unable to believe. They require you to mail in a letter with photos of your drivers license, utility bill, and social security number in full. I was thinking this looks like a scam in itself. Surely in XXXX  this major credit reporting company can not be dependent on people mailing in sensitive information to control their credit files. Please order Experian to update their credit monitoring consumer control system to the internet age or shut down! Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

My company is in a XXXX XXXX case with Wellsfargo Banking institution. 

Attached is the communication with XXXX and it representation Wellsfargo. 

I'm requesting Wellsfargo respond to my XXXX provision with the XXXX. 

At this time Wellsfargo refused correspondence with this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent a dispute letter to Equifax challenging accounts that seem to be inaccurate. Within the letter, I stated that I would be submitting a CFPB complaint due to consumer law violations. There is incorrect personal information, inquiries, and accounts that have yet to be verified or explained. Please see the attached letter which is dated, and time stamped and complete an investigation to remove the inaccurate information you are reporting. At this time, I am only asking for the deletion, but I am aware that I can take this to small claims court due to FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Product: Mortgage

My husband and I had our mortgage with aurora loan services. Theysold it to Nationstar Mortgage. We had moved and rented the house and werewere late with payments but never missed. Many times aurora tried topush us into foreclosure but we were late with payments but nevermissed. they put XXXX the amount of late fees, etc. 
in a non interest bearing account and then sold the loan. When Auroraremodified the loan they never put a monthly late payment in. 
Repeatedly we asked nationstar to get us an underwriter to explainand send a loan packet explaining the loan. Nationstar neversent us any paper work and could never explain the loan. They sent adocument on XXXX XXXX, 2015 stating that XXXX XXXX owned ourhome. 
I called a loan officer from another mortgage company and asked aboutmy credit report they ran and she said they have put me late 8 times thisyear and it was only XX/XX/XXXX. XXXX months into the year. I expressed thatno late payments were established in the remodification of the loan. 
But that I had repeatedly asked Nationstar for a written documentation. 
We needed to make one extra payment. I started looking closely at themortgage statements and they were also charging me fees such asproperty inspection fees, etc. they said they would take them off. Theywere also changing our payments monthly. I asked for paperwork toexplain why. Nothing was sent. We bought another home in southCarolina and XXXX XXXX XXXX sold our loan to Nationstar. They raised our loan payment and we continually asked to talk to an underwriter forboth homes. To explain the extra chargesetc. They let our insurance lapse and we called them and they said without our consent they let itlapse and were paying the premiums with my moneyusing their insurance company. Again I had a charge on my statementand questioned it. They said it was a late payment. I said that you justbought the loan and it stated no late payment. I told them they werediscriminating against us. They sent me a welcome letter I then askedfor an underwriter and the paper work that we owned the house andwhat we were paying and why they were raising our payment. Then theysent me another letter with a few more pages still not showing me thatwe owned the houses and what we were paying for. 
I called the XXXX and they have XXXX complaints. 
They have only resolved maybe 5 to 10 percent. someone suedthem and won. 
I feel they have committed mortgage fraud and are beingsecretive. they have discriminated against us becauseof our age and maybe ignorance. 
The telemarketers say they cant give their names and to sell our house ifwe do not like the way they are doing business. 
They sent me a letter to resolve and I called the number listed andextension and it does not exist.
Product: Credit reporting

Hello, I am requesting your assistance because I have made every effort to have this issue resolved. XXXX XXXX Credit Card was supposed to be removed from my credit report but Equifax is refusing to do this even though I have provided the supporting document. At this time, they are preventing me from getting approved for a home loan. Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2011 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Mortgage

This complaint is more of just an FYI since I don't expect anything to happen as a result, but I just wanted to voice my concerns in response to the XXXX article regarding Navy Federal. 
Here is the article : XXXX XXXX XXXXXXXX My primary concern is that in XX/XX/2021, my wife and I applied for a Navy Federal loan so that we could renovate our primary bedroom 's bathroom. We were seeking about $ XXXX, if my memory serves me. Mind you that we both at the time had credit scores well above XXXX or in the XXXX range, yet our loan was denied. 

As an XXXX American and retired XXXX veteran, we were insulted when we received the denial news from Navy Federal because we had never been denied a loan from any bank in the past and couldn't understand how it was possible ( given our credit scores ) we would have our loan denied. We did not contest it and just moved on because we only intended to use the Navy Federal loan as a bridge to pay for the bathroom renovation, while we waited to receive other funds from my retirement account to be processed. Our intent was to pay off the Navy Federal loan once my retirement funds were received, which we anticipated would occur within 2 months of our loan application. 

I don't expect any action from CFPB, but I wanted to go on the record after seeing the XXXX article today.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from XXXX about a new hard inquiry in my report from a company called Credit Plus. I have never dealt with that company nor heard of it before. I called Credit Plus and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called XXXX and was transferred 3 times to different teams that handle disputes without actually getting help from any. 

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to XXXX without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. XXXX has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that XXXX removes the following hard inquiries and incorrect personal information : - Credit Plus on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " XXXX XXXX ''
Product: Debt collection

I attempted to make payment arrangements with this company and they refused stating if I didn't pay the entirety of the debt owed today it would go on my credit report and they would refuse to take it off. I explained I had lost my job due to covid19. They asked if I understood what this would do to my credit. They said they were flagging my account and proceeding. I said I didn't even know what that meant, asked for an explanation. XXXX told me that he wasn't going to explain it to me so I could decide whether or not the debt was important enough to pay. I reiterated I wanted to pay, but I needed payment arrangements. He said it was done, the account was flagged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to Pentagon Federal ( XXXX  ) to remove a fraudulent account from my XXXX  Credit Report, but they never did. Also I did not received an answer. I live in XXXX, XXXX and I believe someone, with the following address ( which also appears in my credit report, and is not mine ) : XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX Use it to open an account in my name in the above mentioned institution.
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I viewed my credit report and found this fraudulent account on my profile and it's affecting my ability my obtain credit
Product: Credit reporting or other personal consumer reports

According to 15 usc 6802-6805 my information is not supposed to be released and they are to provide proof of claim also i want to know who gave my information.1099c is an certificate of indebtedness which is now income which can't be reported on my credit reports please update to paid as agree or delete. As a federally protected consumer iam opting out of any and all authorization i the consumer may have given you written and unwritten verbal nonverbal per 15usc 6802. 15usc 1681 please update chargeoff to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, DE XXXX have been reporting on my credit report inaccurate information without my written consent. I have sent numerous of dispute letters for XXXX to remove this off my credit report and they failed to do so. The original amount balance went from {$9700.00} to {$26000.00}. Here are all the dates trying to resolve this matter : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX  XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) XXXX ) XXXX XXXX   ( XXXX ) 11 ) XXXX  XXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )
Product: Debt collection

I want to dispute an error on my credit report. The EXPERIAN the agency XXXX XXXX XXXX, put me in collection that reflects on my XXXX credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. XXXX attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /XXXX  a proof of residency. My problem started when I purchased a home located in XXXX XXXXXXXX XXXX XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my name fraudulent, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am a recent XXXX XXXX and have been recently looking for places to live in the next step of my life. There seems to be an incorrect eviction on my report that is holding me back from getting a house. 2 years ago I disputed and called all bureaus when I became aware of it. The athletic director from my university wrote a letter describing that I was a full XXXX XXXX. Meaning books and living are free so its mo way I could owe anything. It was athletic housing and I transfers mid semester to accept another full scholarship at XXXX  and another player took over the room.
Product: Checking or savings account

Someone made XXXX demand drafts from a Truist joint checking account. {$5500.00} on XX/XX/XXXX and {$7100.00} on XX/XX/XXXX. Both checks payed to XXXX XXXX XXXX XXXX. I didn't report the fraud until XX/XX/XXXX. I asked my bank if this was due to identity frauld they said no. I don't know how someone can do this without having personal information.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard credit inquiries from XXXX on my credit report. I am unaware of this as I do not and have never had an account with them. When I called the bank, they asked for my social and had an available credit Under my social security number but a different name was on the account.
Product: Credit reporting or other personal consumer reports

I requested the documents from ( Transunion ) that shows I gave WRITTEN CONSENT to the listed creditors that has listed HARD INQUIRIES on my consumer report I also filed a CFPB REPORT PRIOR TO THIS ONE complaint # XXXX in which ( TRAMSUNION ) deliberately IGNORED MY request for the document that shows my written consent was given and ( Transunion ) deliberately IGNORED my request to show that the listed creditors gave them permissible purpose to report these hard inquiries I also demanded that Transunion remove the inquiries because the documents were NEVER PRODUCED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with the XXXX XXXX XXXX ( XXXX XXXX XXXX ) that was sold to a creditor XXXX XXXX XXXX for delinquency. On XX/XX/2020 I paid the debt in full to XXXX XXXX XXXX with the guarantee in writing from them that on XX/XX/2020 the account would be deleted from all three of my credit reports. This account has not been deleted and is still showing delinquent on my credit report. I filed a complaint with the XXXX XXXX XXXX in which XXXX XXXX   stated that they requested that this account be deleted from my credit report. This account has not been deleted and is damaging my credit. I submitted multiple disputed to all three bureaus and every time they reply back after an investigation saying that the debt/account will remain even after I provide then with the documents from the company stating that the debt is paid and it should be removed, along with the complaint letter from the XXXX XXXX XXXX
Product: Vehicle loan or lease

report a discrepancy regarding my Mercedes-Benz Financial Services account XXXX There is a late payment of {$1700.00} reported on my credit for XXXX, but I have been consistently making all payments on time. I do not have any late payments, and my account is up to date. I am requesting that this incorrect late payment be removed from my credit report as it does not reflect my actual payment history.
Product: Credit card or prepaid card

I AM CLAIMING THIS INSTRUMENT AND REFUTING OBLIGATIONS OF THIS PRESENTMENT FROM Bank of America UNDER UCC 3-306. I AM ACTING IN PROTEST OF THE STATEMENTS PROVIDED BY THIS INSTRUMENT AND REVOKING MY ABILITY TO PAY THIS PRESENTMENT UNDER UCC 3-302. I AM REFUSING TO TENDER PAYMENT ON THIS NEGOTIABLE INSTRUMENT UNDER UCC 3-603. ALL PRESENTMENT NOTES ARE EXCUSED AND DISHONORED UNDER THIS STATUTE, UCC 3-504.

AND BECAUSE ALL FUTURE, PAST, PRESENT DEBTS ARE PREPAID UNDER HJR 192 OF 1933, 31 U.S. Code 3123, AND 18 U.S. Code 8, AND ARE OBLIGATIONS BY THE FEDERAL CORPORATION OF THE UNITED STATES OF AMERICA ; I AM EXERCISING MY RIGHT TO REQUEST A DISCHARGE OF THIS PRESENTMENT UNDER UCC 3-601, 3-603, 3-604. 

I EXPECT Bank of America ACT IN AN OBLIGATION OF GOOD FAITH FOR THESE COMMERCIAL CODE REQUESTS UNDER UCC 1-304. 

BANKAMERICARD PLATINUM PLUS XXXX - XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DOES NOT MATCH MY IDENTITY! I XXXX XXXX XXXX XXXX didn't give Authorization to these accounts to be open. I didn't give consent to these accounts to be reported. These accounts that's mentioned in the fraud report are not in XXXX XXXX XXXX XXXX name. 
Transunion is reporting fraudulent accounts that's not in my name. 
Accounts : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX These accounts are in violation of 15 U.S.C 1692E False and misleading representations for as these accounts are damaging my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.