23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal dispute regarding several fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I request your immediate attention and assistance in removing these unauthorized inquiries from my credit history. I believe it is crucial to address this matter promptly to protect my rights and restore the accuracy and integrity of my credit report. 

I have recently reviewed my credit report from TransUnion and discovered the following fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 These inquiries were made without my knowledge or consent, and I firmly believe that they are the result of identity theft. As a diligent and responsible consumer, I have always maintained a vigilant approach towards monitoring my credit report. However, due to the sophisticated nature of this fraudulent activity, I regretfully admit that I did not notice these inquiries until recently. 

According to the Fair Credit Reporting Act ( FCRA ), as a victim of identity theft, I have certain rights and protections. Section 1681g ( e ) ( 3 ) ( B ) of the FCRA clearly states that when a consumer disputes the accuracy or completeness of information in their credit file due to identity theft, the consumer reporting agency must block the disputed information from their credit report within four business days of receiving the dispute.

I kindly request that the Consumer Financial Protection Bureau initiates an investigation into this matter and ensures that the aforementioned fraudulent hard inquiries are promptly removed from my TransUnion credit report. By doing so, you will not only be upholding the law but also protecting my rights as a victim of identity theft. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation once the fraudulent inquiries have been successfully removed from my credit report. Furthermore, I kindly ask that you provide me with a copy of the updated credit report after the necessary corrections have been made. 

Please feel free to contact me if any further information is required from my end. I look forward to your assistance and resolution of this matter in a timely manner. 

Thank you for your attention to this urgent matter. 

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

I e reached out several times advising this bank that I did not open an account and Id like to see a signed document as to who authorized an account to be opentin my name. The will never send anything and this is hurry to my credit .this company wants me to pay for their actions by opening an account with no identification and if so a they have yet to send me documents to assure that they did not allow anyone to steal my identity the bank is XXXX XXXX  XXXX XXXX XXXX XXXX Florida
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit file. Despite my immediate efforts to address this issue, the fraudulent entries persist, posing a severe threat to my financial well-being. 

Given the urgency of this matter, I am requesting the following actions : Immediate and expedited review of the documentation provided in support of the dispute.

Fast-track removal of the fraudulent items from my credit file to prevent further damage to my financial standing. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have received numerous letters for a person not at my address related to a XXXX account nor has anyone by the name on the letter lived here since my purchase of the property ( I've never had a XXXX account either ). I've called the collector and told them this is the wrong person/address on XX/XX/2022 and asked them to stop sending letters to this address. I have since received multiple letters after. The most recent letter is threatening to hit a credit score related to my address.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted both Portfolio recovery and XXXX about debt they say I owe. have ask for proof many times and have yet to receive any form of proof of debt. This is on my credit report I have desputed this several times over last two years. Last date was on XX/XX/2019. With XXXX XXXX, they responded this was verified. Have ask for said proof several times with no results. This account number is XXXX Portfolio Recovery. Thank you for your time
Product: Mortgage

I am the signer of HELOC # XXXX, however both my wife and I own the home for which the loan was taken out on. She is also the responsible party and was effected by the government shut-down as a government employee. We have been  struggling to pay this HELOC during a disaster affecting our area in XXXX ( Hurricane Harvey ), then the principal came due and now a furlough has affected our income. My wife phone quicken to let them know of this and instead of offering to help, this company reported 30 day late notices to the credit bureau. As a result, we can not refinance our mortgage to relieve us from the burden of trying to pay a variable interest rate. A second call was place to quicken and my wife was told they would look at our income, but needed to speak with me first and we would continue to be reported to the credit bureaus. This is not something that would help us, it takes more than an hour to answer their questions and our credit score would suffer if we pay less ... ... when ask about a program that would help and not affect our credit score, the representative said just pay what you owe!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX until today, I have been reaching out to no avail with Equifax. I don't get a response back in the mail, nothing has been investigated and I'm still being hindered for inaccurate info on my report!
Product: Credit reporting or other personal consumer reports

I requested Equifax to do an investigation to fix the inaccurate information on multiple times XX/XX/XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX my report remove from my credit report but they failed to conduct proper evidence. They have failed to comply legal obligations under the Fair Credit Act specifically they violated 15USC 1681EB failure to maintain the accuracy of my credit report 15USC 1681 S-2 neglection and ensuring that furnisher of infomation comply with their obligation 15 USC 1681 I5 to properly re investigate disputes and remove inaccurate information.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My mother had a XXXX loan on her property, and passed away on XX/XX/XXXX. Novad was notified XX/XX/XXXX, and a HUD appraisal was ordered. We were advised that we had 6 months to settle the note, with 2 extensions of 3 months each afterwards. HUD appraised the house on XX/XX/XXXX for {$290000.00}, and according to Novads paperwork, we only needed to pay 95 % of HUDs appraised value : {$270000.00}. We decided to pay off the loan by taking out our own XXXX  on the property which I inherited. I was forced to retire early to care for Mom, and wanted to preserve our capital. We were approved for the loan in XX/XX/XXXX and I requested a payoff statement. We are still waiting for a correct payoff. We received 3, listing the total loan amount, not the 95 % HUD figure, and a payoff for someone else. I have tried phoning, texting and email. Appraisals are only valid for 4 months : each time they expire we need to start over with our XXXX, costing {$700.00} a pop and repeating the HUD appraisal for the house value. HUD Appraisal done on XX/XX/XXXX, a full year after Moms passing, came in at {$360000.00}. This is substantially more than we planned on, and now have to sell our former house to cover the inflated price. 
During the summer HUD designated Novad to handle all its XXXX loans, and all the Novad phone lines were disconnected, and the HUD Answer Line became the only way to reach a Novad customer rep, who was really a HUD rep with a written script. They were very polite, but could do nothing to help. My case was escalated thrice, sent to a supervisor twice, and when I wanted to file a complaint I was transferred to the HUD Answer Line, for another 2 hour wait. The last contact of any kind by Novad was an email request for a years worth of property taxes paid, which I did. No further contact. My last request for a correct payoff was made on XXXXNo response. 
I feel that this delay/inaction is intolerable. I am very aware of the Covid interruptions, but we were expected to timely file and report despite the fact that XXXX XXXX and its Courthouse was closed for months. I feel that we should not be punished for Novads lack of communication and administrative problems. The XXXX loan was to be paid at 95 % of HUDs appraisal, {$290000.00}. This is what the house was worth at around the time of her death, and should have been paid off by XX/XX/XXXX, if Novad had supplied a correct payoff.
Product: Credit card

My XXXX XXXX XXXX father who suffers from XXXX was tricked out of his life 's savings by a young woman con artist. She " borrowed '' all his retirement savings and she used XXXX of his credit cards to go on shopping sprees. She used his Citibank card to purchase more than {$8000.00} in merchandise at stores he never shops in such as XXXX and XXXX 's XXXX, much of it while my father was hospitalized. Note that their fraud alert system failed to recognize this unusual use of his card. Citibank 's fraud department refuses to recognize this as fraud, despite the fact that this woman has been arrested, has been charged with grand larceny and identity theft and is being criminally prosecuted for the use of the card. So, the criminal justice system says fraud and Citibank says permissive use. They have informed us we have no right of appeal and no recourse.
Product: Mortgage

Every 6 months when my property taxes are due, BSI financial does not pay them on time. I get a notice from my county treasurer explaining that they are late and that a fee will be added on. BSI then pays the late property taxes including the fee from my escrow account. It takes me 1-2 months and repeated phone calls to get the fee refunded back to me. They then promise that they have fixed the issue with the timing. 6 months later it happens again. I'm now at the fourth time the issue has occurred and have tried 3 times to get this fee removed from my account. Based on prior interactions I expect I will have to call a few more times to get resolution and that I will have to restart this process again in a few months. 

BSI has absolutely atrocious customer service and I don't see them having any real reason to fix it. There is no incentive that I see for them to do better as helping me costs them money every time and avoiding helping me may make me give up in frustration and they get to keep that money from their error. Looking at reviews online, I'm clearly not the only person who has these troubles. I never chose to have BSI buy my loan and be the servicer so it is frustrating to get this terrible service I never wanted. 
I hate BSI so, so much.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID : XXXX was recently closed. I have exhausted my efforts to protect my rights, but I seem to be the only one. Equifax has had plenty of time to fix the errors on my account. Having the wrong names such as XXXX XXXX XXXX, and having wrong information regarding employment " XXXX XXXX. '' This is absurd that they can just correct the names and leave the accounts I provided. CFPB must be working for Equifax! 
I kindly asked that these accounts be removed, and you clearly see that the mistakes are still under all three credit companies, but you let them just close it and leave me with the accounts! Wake up and take another look!
Product: Checking or savings account

Opened a checking account online XX/XX/XXXX, aiming to take advantage of this {$600.00} bonus offer : XXXX XXXX XXXXXXXX XXXX XXXX I am certain that I clicked Apply now as instructed at that page, and then fulfilled the bonus requirements by setting up regular direct deposits of > $ XXXX. My first full month in compliance was XX/XX/XXXX. 

According to the offer, " You will automatically receive the 3 % Cash Bonus in your new HSBC XXXX  checking account approximately eight weeks after completing that months qualifying activities. '' But 8 weeks after the end of XXXX came and went with no bonus. 

I contacted customer support on XXXX XXXX, XXXX, by chat, was given an issue confirmation number, and told I would hear back in 7-10 business days. On XXXX XXXX, having heard nothing, I contacted them again by chat and I was told to wait another 3-5 business days.
Product: Vehicle loan or lease

Our loan is predatory. We only accepted the loan because we were told they would refinance us after 1 year. After that year was over, they said they do not refinance. We have paid $ XXXX every month for XXXX XXXX years. Out of the {$19000.00} that we have paid them, only {$580.00} has gone towards the principle. When we bought the vehicle it was {$33000.00}. After over XXXX  years of payments ( again, over {$19000.00} ), we now owe {$35000.00}. THAT'S {$2300.00} MORE THAN THE VEHICLE COST OVER XXXX  YEARS AGO!!!!! 
This company is predatory, and has set it up so that we can NEVER pay off this loan, no matter how many payments we make, on time or not.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have got a copy of my credit report from Experian. Ive disputed directly with the credit report agency with no resolution. I seen a couple of inaccurate information which are violation that result to deletion. In accordance to 15 USC 1681i, credit report agency need to reinvestigate to make everything accurate. Each violation is XXXX please see attachment below referencing XXXX XXXX XXXX XXXX number XXXX. XXXX Past due of XX/XX/2024 and date opened is not shown in the report. According Experian they should clarify when the account supposed to opened with a check mark which circled. please contact me XXXX or email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft by a former friend and because of this I have debts on my credit report that do not belong to me. I've disputed this from my credit reports several times and even with the loan company for years and it still remains. I don't know what else to do and why they keep this on my record without validating their information. Please help.
Product: Credit card or prepaid card

They Returned a payment that i made on XX/XX/2018. But then they took it in XX/XX/2018 Cuz i had my account set up for automatic payment. and thats when i became late 30 days. i was never aware of this. I spoke to them and they said that a letter was never sent out regarging this matter. So i was never aware of this..
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX  is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

My debit card was fraudulently used on XX/XX/19 in the amount of {$1200.00}, I received a text from the bank asking if this was my transaction, I replied no but they processed the transaction anyway. Causing my account to now overdraft they took the amount out of my savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to contact XXXX XXXX for over 3 days. When I log onto my account, this is the message I get repeatedly : " We are temporarily unable to complete your request. '' This is then followed by a statement that the site is busy due to the XXXX breach. 

I called their service center, which is IN XXXX, and spoke with someone who could not speak clear XXXX. I ended up giving him personal info. I do n't know how secure that was. 

I 'm at my wits end the credit bureaus. I will be placing a notice on my XXXX page about XXXX XXXX being a scam operation. I do n't care what anyone does about this, I 'm going to bring them down. I mean it. 

PLEASE HELP.