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

There were unauthorized accounts opened without my consent on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My whole intire credit file is missing? I had a equafax credit file 9 months ago and my score was a XXXX now the whole file is missing and my score is a XXXX? and XXXX collection account for XXXX to a cable company. I called the cable company gave them my info and ssn and they had no file on me? its not my debt but where is my credit file? What happen to it? and please take that XXXX collection off its not mine and please restore my XXXX credit score and file
Product: Debt collection

For the last XXXX years I've been disputing this with XXXX, XXXX XXXX. about Capital one accounts, also once again under 605B it is illegal to report information on my credit report., without my permission
Product: Debt collection

I received numerous of calls regarding a credit card not used by me someone used my name for XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from a portfolio recovery who. As well have breach information thru some source XXXX XXXX XXXX XXXX XX/XX/XXXX they called and harrased numerous of times from XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I'm disputing this account as a fraudulent account. I am victim of identity theft. I tried disputing this account with the credit bureaus and they referred me to reach out to the company directly. The only card that I have with Nordstrom is a Nordstrom debit. 


Please find my police report and identity theft report that's attached.
Product: Debt collection

I disputed an alleged debt with Portfolio Recovery Associates to all three credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus provide verification of validated on the alleged debt on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting they validate the debt ( per the FDCPA ) by providing the following information : -an explanation of the alleged debt -a calculation of the alleged balance -documentation that shows I agreed to pay this debt -the agreement that grants them the authority to collect on this alleged debt -a copy of their state license including the license number On XX/XX/2020 Portfolio Recovery Associates mailed a letter back providing on 2 out of the 5 items requested during the validation letter. The collection company only provided an explanation of the alleged debt and the calculation of the balance. However, they did not include documentation that I agreed to pay this debt, the agreement that grants them authority to collect on the debt or a copy of their state license including the license number. By not providing all of the requested information, they are in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I sent a request to all three companies to investigate any negative reporting on my credit report that was not accurate and most of it has not had any resolution within 30 days. The requests were sent to XXXX, XXXX, and TransUnion
Product: Mortgage

Citimortgage sent a notice that they were reporting me for a delinquent payment to the credit reporting companies, although no payment was delinquent at the time of receiving the notice. Citimortgage is in the process of changing the loan servicer and sent me the notice as well as a request for two mortgage payments.
This is just harassment to threaten customers to obtain early mortgage payment before the servicer change. Citimortgage will hold all advance payments for the new servicer, but will collect interest on all such payments before turning them over.
My name is XXXX XXXX and my account # with Citimortgage is XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFBP ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported on my credit report regarding the account with XXXX XXXX XXXX. This account is currently reflected as charged off and inaccurately displays an inflated balance, which does not align with the settlement agreement made between myself and the creditor. 

Specifically, I had entered into a settlement agreement with XXXX and was making monthly payments as agreed. However, the final payment was not deducted from my account and I was unaware of this issue until I recently discovered that the balance reverted to an amount higher than what was agreed upon. Furthermore, my debt has been sold to two different third-party agencies, which is a potential violation of debt collection practices and federal law. 

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

Transunion fails to open up a dispute for fraudulent inquiries on my account. On XX/XX/21, I sent a certified letter stating that 4 credit inquiries were on my credit report that I did not authorize. I never received a letter within 30 days that it was removed. The tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. Now, I want those removed IMMEDIATELY since you did not respond within 30 days. Now when I checked my credit report again, 10 additional fraudulent inquiries show up on my credit report. I want Transunion to open the dispute, show me verifiable proof that I authorized these inquiries OR remove these fraudulent inquiries from my account immediately.
Product: Debt collection

Hello I 'm having an issue with Amex I paid my bill on time with perfect payment history using the card to fund my business as I was allowed to do then they decided to cut my card off which is fine. I called and explained to them that by cutting off my card slows my business processing and I would need time to pay the bill. They said they could n't help me and I needed to pay in full I explained I paid you guys perfect for a year and I 'm not trying to not pay I need more time to pay so I set up a few payment arrangements in which I kept and paid. They told me I was n't paying enough I never missed a payment I paid them what I could every month nobody would work with me. I 'm currently in the middle of buying my home and saw my score decrease tremendously and could n't understand what happen which puts me in jeopardy of loosing my home ownership opportunity. I reviewed my report and Amex placed a collection on my report  with no phone call or debt validation letter. I supposed to close on my house this Fri XX/XX/XXXX and now I 'm not sure what will happen. I paid them and never missed any payment and I explained to them I could n't pay in full but I am trying to resolve the debt and nobody would help. I do n't think its fair that I take that big of a hit for a debt that I been continuing to pay and they not acknowledging my efforts or even offer a solution to help but to just place a collection on my report without any notice
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mortgage services did an inquiry on my credit report without my permission even though my report is LOCKED due to identity theft. 

Call Equifax mortgage services and they said they are part of Equifax credit reporting and can run a credit report on anyone they want any time they want.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 collections account opened at XXXX XXXX XXXXXXXX, 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, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Equifax Refuses To Correct An Ongoing Issue : Missing Accounts on my credit report, the other Credit Bureaus are reporting all my accounts correctly. 

***Missing Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Refuse To Update My Consumer Statement, after 6 requests, ***Will Not Block Ongoing Fraudulent Disputes, ***Please Do Not Allow Phone Number On My Fraud Alert ( High Risk For Identity Theft , From Ex-Spouse )
Product: Vehicle loan or lease

Dealer must have made some sort of mistake and or perhaps technical error, See attached Title 4 And attached notice of denial
Product: Mortgage

In late XX/XX/XXXX, I applied for a loan assumption/modification on my late husband 's mortgage. 
I submitted all necessary documents. XX/XX/XXXX - was told by servicer that application + supporting docs were complete and under review. XX/XX/XXXX - was informed that application was denied because it was incomplete. XX/XX/XXXX and XX/XX/XXXX, I reapplied again. On XX/XX/XXXX and again on XX/XX/XXXX ; I was told the application was denied for incompleteness. 
In each submission, I have confirmation that they have received what was requested. I finally was forced to file a civil complaint in XXXX Superior Court ( XXXX ) on XX/XX/XXXX, to address this. 
The Service is still moving forward with the foreclosure sale on Monday, XX/XX/XXXX and has, to date, refused to extend any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2021 Ally Bank report an Repossession and then later change it to charge off. 
This is not correct the car was repossession from an former business partner of mind and and since the writ of sequestration was issued wrong Ally Bank owes me an bond or remove the account. If Ally Bank refuse it will leave me no choice but to file suit against Ally Bank under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. There is information on my credit report I do not have knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following inquires be removed from my credit profile due to fraud. I am a victim of fraud and have been in a repair stage of my credit due to someone fraudulently attempting to be me. Please remove the following inquires from the following companies from all three of my credit reports XXXX, XXXX and trans union. 

Trans Union Credit Report Inquires : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Credit Report Inquires : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX All of the inquires on XXXX Credit Report are fraud in result of being a victim of identity theft please remove all of the inquires due to fraudulent person attempting to apply for credit in my name.
Product: Mortgage

Foreclosure is for an amount that was rolled into a loan modification. Bank of America has been unable to address this issue.
Product: Checking or savings account

I had opened a Wells Fargo checking account with a promotion code for {$200.00} cash bonus once the 2 months of consecutive direct deposit conditions are met. I had got the direct deposits for 3 consecutive months. But till now Wells Fargo has no clarity whether I am getting the {$200.00} cash and if yes then when?
Product: Credit reporting or other personal consumer reports

First Progress has not be reporting my 2 cards with them to XXXX since XXXX of XXXX  and it is negatively hurting my XXXX score severly.
Product: Credit reporting or other personal consumer reports

This hard inquiry is fraudulent and do not belong to me. 

XXXX XXXX XXXXXXXX - XX/XX/year> TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX have no knowledge of this collection i have never had XXXX XXXX 
Addresses : i never stayed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As it states in accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C1681section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all information submitted in the files. this has been an ongoing issue that needs to resolved an has caused major effects to my credit report. all items listed are illegally reported an fraud. please review all listed items to delete an remove the incorrect information to help clear my file asap.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX, XXXX, and Trans Union regarding their failure to conduct a proper investigation into inaccuracies on my credit report as required under the Fair Credit Reporting Act. Despite my repeated attempts to dispute erroneous information, These Bureaus has continued to report incorrect data and has failed to comply with their obligation. As a result, I recently applied for a Credit Card thru XXXX XXXX 's once again on XX/XX/year>, and was denied as a direct result of the information being reported. Violation of Consumer Rights : FCRA Section 605B, 15 U.S. Code 1692c, 15 U.S. Code 1692g ( b ), 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i ( a ), 15 U.S. Code 6802 : It is evident that XXXX, XXXX and Trans Union has not fulfilled these obligations. The errors remain uncorrected, and I have received a response that either lacked meaningful investigation or attempts to stall the process. 
Requested Resolution - I respectfully request that the CFBB intervenes to : Ensure XXXX, Trans Union, and XXXX conducts a proper investigation of the disputed information, verify that the inaccuracies are corrected or removed from my credit report. and Provide accountability for the credit bureau 's non-compliance with FCRA regulations. So that approval of credit is guaranteed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 I submitted to Equifax credit reporting agency an Affidavit of identity theft, a police report and a summary of events detailing how for the past 5 years I have been a victim of identity theft. 

I requested that Equifax investigate fraudulent loans, and bank accounts on my report and demanded that I receive proof/documentation that I personally opened they accounts and loans within 30 day of the letter. I have also requested for the creditors to investigate a provide results back to me and Equifax As of today XX/XX/18 I have not received any documentation from Equifax or the creditor to prove that I am responsible for the accounts, nor has Equifax stop reporting these accounts. 

The reporting of this fraudulent information has been a negative impact on my life and has hindered my ability to obtain credit, get insurance and open a bank account and I have been suffering a hardship ever since.
Product: Mortgage

My town lowered my taxes due to becoming XXXX XXXX and I requested an escrow evaluation back in XXXX. Also the funds being held in escrow are double what federal guidelines say are acceptable. I have recontacted my mortgage company but have not got any adjustments or refunds which I believe should have been done within thirty days. Help please, I 'm not able to work so money is very very tight. 
Thank you
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Amount of {$1100.00} unauthorized charges From XXXX XXXX Was refunded {$200.00} of my money Denied the rest Then closed my account " Due to ... ... .Terms of condition " Please make this right Sincere XXXX XXXX XX/XX/XXXX Can reach my email at XXXX XXXX
Product: Debt collection

Good morning, I'm writing to you because in 4 months my bank has charge me XXXX to XXXX fees causing me to be unable to pay my bills as arranged and cause g bad credit status for me I'm getting XXXX but with these fees I am destroying my credit how can I stop this I have opened a new bank account now I need social security to complete the direct deposit update can you help
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP insurance that I took out when I purchased the vehicle. XXXX has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.
Product: Checking or savings account

I Opened a new Citi Business Checking Account Within 30 days of account opening, made a deposit of {$30000.00} into my account. 
I maintained that balance for 60 consecutive calendar days. 
I am still waiting for my {$700.00} bonus
Product: Vehicle loan or lease

TD AUTO FINANCE is in direct violation of fraudulent activities due to improper disclosure of my security interest, and false information of debt owed for a non existing loan. The bank told me that they gave me a loan for a vehicle that I purchased on XX/XX/2023, which XXXX XXXX XXXX XXXX entered me in indirectly through a forged Power Of Attorney. The bank has sent me unlawful bills extorting me to pay {$650.00} every month ( which I have paid in good faith ) with misinformed and misrepresentation of a retail contract installment rather than what it is which is a credit transaction. TD Auto Finance buys retail installment contracts and turn around and sell it as a asset backed security. TD Auto Finance took my NOTE and impersonated me and traded it. I was never told that I was involved in a investment contract. Retail Invalid security interest is what was enforced upon me. I was forced to put down {$2000.00} with professional extortion. The contract is unenforceable due to XXXX breach of contract. XXXX fraudulently included an assignee TD Bank, which is not entitled and has no valid interest in my property because they did not loan me money. Interest is entitled to me because I gave the payment. TD Auto Finance owes me all my interest and XXXX back.