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

XXXX XXXX XXXX XXXX : XXXX XXXX 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 TransUnion 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  XXXX on XX/XX/XXXX under the account number XXXX I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission are the result of identity theft and fraud.
Product: Vehicle loan or lease

In XXXX, XXXX XXXX XXXX sold my loan to Westlake Financial without informing me a day after I paid my car payment. They informed via letter 2 weeks after I demanded written notice of my account being sold. Westlake harassed me for a week, daily, telling me if I didnt pay my late car note that they would send it to collections. They had not even received any of my account information from XXXX XXXX XXXX yet per THEIR WORDS. I kept telling them I had paid it right before they sold it to them, but they kept calling me. Finally, after a week, they got in contact with XXXX XXXX XXXX to verify I had made the payment. I have made XXXX payments so far on the car and NONE of those payments have been reported to the credit bureau, and every time I call and ask why they have not been, they tell me its XXXX responsibility to report the first 6 months, and then when I call XXXX, they tell me they no longer have my information and that it is Westlakes responsibility. When I tell Westlake what XXXX said, Westlake tells me that they do not even have the first 6 months payment history and again, it is XXXX responsibility. Regarding the 2 months Ive been with Westlake, they have not reported those either even after I have filed 2 complaints to them and they said We report to the credit bureau the first week of every month. I have a strong feeling my account will be sold once again and I will go through this problem once more just so my credit continues to stay the same. I have worked very hard to keep a 100 % payment history and I have nothing to show for. To make sure I can not refinance my car and keep me with a high interest rate and loan balance that has yet to decrease by the way!
Product: Credit reporting or other personal consumer reports

My identity was stolen and several accounts were created in my name destroying my consumer report and my credit score. I have submitted over 70 disputes in regards to this with equifax and 4 times with XXXX XXXX  and XXXX XXXX XXXX XXXX  and yet still the situation remains the same. I have submitted all required information and documentation and the negative items have no been blocked. I believe that this is being done deliberately and my rights are blatantly being violated. This process has been going on for over a year and it is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account for years asking XXXX  how they came to report the information they was reporting to the major 3 Credit companies finally XXXX stated it was because of returned mail XXXX went into my account without my consent ( during the pandemic ) changed missed payments to payments being made on time when no actually payments had been made since XX/XX/2019. When XXXX changed this information in thier system and then reported it to 3 major credit companies XXXX falsely manipulating the statue of limitation by reporting payments that was never made causing me more financial hardship. I have asked XXXX in several letters under what authority/policy was XXXX able to legally make this decision on my behalf without my consent. At this point I am ready to take this to court and have a judge finally get a straight answer from XXXX So that there is no miss understanding of what I am asking. Under what authority/policy law XXXX was acting under that allowed XXXX to make a financial decision on behalf without my consent by bringing my account current because of returned mail. also this account was removed from XXXX
Product: Debt collection

On or about XX/XX/2021, I went to the emergency room for XXXX like symptoms at XXXX XXXX XXXX. I was very XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was elevated and I was unable to drive to XXXX to the VA Medical Center. I attempted to make payments and since the account balance I have struggled with XXXX and XXXX and have stopped working. I'm not XXXX XXXX XXXXXXXX and now attempting to live on a fixed income. I initiated a call to XXXX XXXX today and spoke to XXXX and was advised that my account was sent to Collections : Credit Control : I never received a call from XXXX XXXX or any letters and if so I would like to see proof of such. I also didn't receive any letters from Credit Control stating they are servicing an account for me. I thought the Medical Accounts due to possible XXXX exposure could be forgiven? It's sad that someone that has served this country is being threatened to have such a small bill placed on their credit by XX/XX/XXXX or pay 30 % of a balance which I don't know is even correct.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following unauthorized account from my credit report, as I am a victim of a data breach. The account listed below was opened fraudulently using my personal information, and I request its immediate removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to be Blocked and Deleted : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/scrub>XXXX XXXX Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than toCHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization
Product: Debt collection

I received a ticket and now a notice from a collection agency for a toll violation in the state of Delaware which I do not believe is mine. I was not the driver of the vehicle at that time and therefore I do not believe a collection agency has the right to penalize some one for owning a vehicle that may have violated a few dollar toll, and then attempt to collect {$66.00} from that person by threatening derogatory credit reporting without proof of who actually committed the alleged violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/2022
Product: Mortgage

I should be in the settlement with Wells Fargo mortgage I lost my house in 2019 after having it for several years because they kept going up on mortgage and escrow to where I just couldnt pay it. I had to sell my house for for little of nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

To be clear, I am extremely grateful in the efforts of XXXX working to check the Clarity database and Providing the specifics that no consumer report or score exists for me. I am submitting this as a matter of record for me to request that the personal data I provided to Clarity, as requested to provide to me the " report ''. I am now requesting that the PII be purged from it's database. I say this because it is not a matter of if but when you are hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account number XXXX is wrongfully appearing on equifax, XXXX  and XXXX  credit bureaus.on XX/XX/XXXX i paid XXXX dollars cash for a {$170.00} charged off amount in XXXX.the date of first delinquency was in XX/XX/2015. 
XXXX XXXX  in violation of CALIFORNIAS ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT CHARGED ME AN XXXX DOLLAR FEE TO PAY THEM THE XXXX DOLLARS CHARGED OFF ON ALL THREE CREDIT REPORTS. 
ORIGINALLY THEY TRIED TO TELL ME I OWED {$360.00} TO PAY THE {$170.00} DOLLAR CHARGE OFF OF XXXX.THE PAYMENT HISTORIES HAVE ALWAYS BEEN INACCURATE ACCORDING TO THE FCRA AS WELL AS THE CHARGE OFF DATE THAT THE FCRA ALSO PRESCIBES THE CORRECT METHOD AND DATES. IN ANY CASE " PAY ME '' FEES ARE ILLEGAL IN CALIFORNIA IN ANY AMOUNT OF MONEY. " PAY-ME '' means fees charged to handle payment of the original debt, to accept payment of the original charged off debt. 
THIS ACCOUNT WITH PROOF OF THE ABOVE ATTACHED HERE SHOULD BE IMMEDIATELY DELETED FROM THE BUREAU 'S CREDIT FILES.
Product: Mortgage

I am a former Wells Fargo Home Mortgage XXXX customer who lost my house XX/XX/XXXX after battling with them for over 4 years to work out some sort of arrangement to keep my home. I became XXXX late XXXX XXXX and my finances suffered greatly. Fortunately, I was approved for Social Security Disability Income the first time I applied. Still, it took time for me to start receiving benefits. Meanwhile, my debts were spiraling out of control. I even filed for bankruptcy as a measure to buy time to work something out with Wells Fargo. I applied for loan modifications, I asked if the past due amount could be put on the backend of the loan to allow me to resume payments to get and stay current. My house was put up for foreclosure at least twice. Finally, late XXXX it was about to be put into foreclosure again. All during this time my health exponentially got worse. I decided my health was more important than the home I owned for XXXX years. I quickly put my house up for sale barely meeting the timeframe to avoid foreclosure. I sold the home at a loss. I owed more than the home was worth. I was traumatized by Wells Fargo. They should be ashamed of themselves for not working with customers like me who through no fault of my own got behind in my mortgage because I became so sick that the US government found me to be XXXX. To date, I have not been able to return to work. I still receive SSDI. I am entitled to be generously compensated for the anguish, loss of my home, the resources I paid to keep my home. 

The property address in question is XXXX XXXX XXXX XXXX XXXX, VA XXXX The loan number was XXXX. 

Please help me to get compensated.
Product: Credit reporting or other personal consumer reports

XXXX REFUSES to remove negative loans in bad score when had Disability Discharge. 10 loans are still there.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED WERE NOT AUTHORIZED BY MY PERMISSION AND OPEND WITHOUT MY KNOWLEDGE THESE ARE FRAUDULENT ACCOUNTS THAT NEED TO BE REMOVED. THE COMPANIES HAVE NOT PROVIDED ME WITH PROOF OF MY PERMISSION.
Product: Mortgage

The automatic payment arrangement in my modification agreement was not Established.by Rushmore servicing I sent the form in two separate times to establish autopay. Then upon The autopay dateXX/XX/XXXX, the draft of funds did not happen. 

Now modification payment # 1 is late. Fees are imminent.
Product: Credit reporting or other personal consumer reports

I tried applying to care credit, and was told it was a soft check, got denied, and the I have a hard hit on my credit score. I called care credit and they stated that they don't do hard hits on credit and they don't know why it shows on my credit. I want it taken off because I never even got passed the application process to even get a hard hit.
Product: Checking or savings account

Opened account on XX/XX/year> with Citibank with a promotional promise of a {$750.00} credit in 45 days. I followed all terms of offer I was told that the promotion was approved but after 100 days the promotional funds have not been deposited into my account. I have not withdrawn the initial deposit or have not been paid any interest on this deposit
Product: Money transfer, virtual currency, or money service

XXXX. XX/XX/XXXX @ XXXX {$40.00} Requested for a refund. XXXX never refunded me nor replied. 

XXXX. XX/XX/XXXX @ XXXX {$60.00} Requested for a refund.company never refunded me nor replied. 

XXXX. XX/XX/XXXX @ XXXX pm {$40.00} Requested for a refund.company never refunded me nor replied. 

XXXX. XX/XX/XXXX @ XXXX {$40.00} Requested for a refund.company never refunded me nor replied.
Product: Mortgage

I refinanced my home last year, utilizing the same company XXXX US Bank XXXX that originally held my mortgage. It came to my attention on XX/XX/XXXX that they did not pay my property taxes for the XXXX half of XXXX. I called US Bank immediately to inquire about this. I was told that it was their fault & that they would promptly pay my taxes. I was assured that they had my money in escrow & that there was nothing else that I needed to do & that the taxes would be paid by XX/XX/XXXX. I called on XX/XX/XXXX to be sure my taxes were paid & was told that an investigation had to be done & that they would not be paid for several more weeks, but that US Bank was still planning on paying & they would pay the penalties that had been acquired. As of XX/XX/XXXX, my taxes are still not paid. I am furious! I have ALWAYS payed all of my bills & taxes on time & work hard to keep my credit score in excellent standing. I am afraid of being sent to collections now & ruining my credit score. Not to mention, I feel ashamed that I look like a delinquent who doesn't pay taxes. I have made countless calls to US Bank to inquire about the status & seem to get nowhere! I'm told a check was mailed out via USPS in mid XXXX, but so far, it does not appear to have made it to the City of XXXX Tax Department. This is unacceptable!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I'm writing to seek clarification and express concern about recent changes to my TransUnion credit report. On XX/XX/XXXX, I submitted a complaint asking for information regarding three late XXXX loan payments from XXXX listed on my report, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I wanted to know when these reported late payments will age off of my credit report. I have not yet received a response, but today I received a notification from a credit tracking agency indicating that my TransUnion credit report had changed. 

Upon reviewing my credit report, I found that additional late payments from XXXX, related to my XXXX XXXX loans, had been added. This alteration resulted in a significant increase in derogatory marks on my report : now I have XXXX XXXX loans with XXXX late payments, totaling XXXX derogatory marks. This is causing great concern, as these additional marks will adversely impact my credit score and jeopardize my plans for the future, including purchasing a home. 

Can someone explain how and why these changes occurred without my knowledge, and why my request for information led to more derogatory entries? I urgently need clarification and a resolution to this issue, as it is affecting my financial and emotional well-being. 

Also, can somebody please let me know when these derogatory marks will age off naturally?
Product: Debt collection

My name is XXXX XXXX XXXX. Someone named XXXX XXXX owes debt to their landloard. FCO is trying to collect the debt. I've told them that I am not XXXX XXXX ( different last name and spelling ) and that I have lived in a house I purchased during the time the debt was incurred. They keep calling and asking me to provide more information under threat of reporting me to collections. have indicted that I am not the person listed on the correspondence and the relevant facts could be verified with a basic public records search. Threatening to damage my credit so that I can do their job for them is absurd.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit. 
The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency , block and delete 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 account appearing on my consumer fico credit report which I do not recognize as reported and which th result of identity theft and fraud. I am also a victim of the data breach and would like this account mentioned to be blocked and deleted pursuant to 15 U.S.C 1681c-2 ( a ) : XXXXXXXX XXXX  XXXX. This account have resulted in fraudulent inquiries as well as collection appearing on my consumer fico report. I demand the aforementioned fraudulent item be removed from each consumer reporting agency and all collection activity cease pursuant to my rights under the FCRA and FDCPA laws.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.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw that I have many hard inquiries on my credit profile that I don't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am the consumer, original creditor and natural person. Department Store National Bank has denied my right to credit as I applied for a Macy 's American Express Card on XX/XX/2021. Pursuant to 15 USC 1681a ( k ), Department Store National Bank violated federal law by denying my credit application. DSNB also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642.
Product: Credit card or prepaid card

ISSUE : Beware of automated payments from Bank of America 's phone system. I input my checking routing and checking account numbers from the bottom of my check. The system somehow tried to use the routing number and the debit card number rather than the checking number to access my {$200.00} payment. The account was closed without my knowing it. I called when I realized the payment hadn't cleared the bank and made a {$200.00} payment with my debit card over the phone with a live Bank of America agent. She took the payment and it cleared my bank. I was also notified that the account had been closed. I feel that the bank should have called to clarify the problem before closing the card. Especially since the payment didn't clear I feel due to a glitch in their automated payment. 

I feel that they penalized me for the error in the phone system. They said that I input the routing number and debit card number. I don't know how I could have done that when I held the check in my hand and used the numbers from the bottom of the check. So the automated payment system tried three times with the incorrect information. Each time the payment money was in my bank. I am trying to get out of credit card debt and not use the cards, so in a way, since this card is now closed, I am motivated to pay it off, another {$370.00} and be done with it and never do business with Bank of America again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$220.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent by regular mail correspondence to XXXX  and they have returned the mail two times. In addition, they keep reporting XXXX is verifying a bankruptcy that does not exist. I have from all XXXX information and there is no way that any of the 3 major bureaus or XXXX could verify.. 

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from XXXX that is frozen.