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

This is a recent credit inquiry that was popped up on my report for XXXX. 

This is not my inquiry and I never applied for any loans or lines of credit with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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

This company continues to report an account to my credit report that is a proven direct result of identity theft. Further more they have failed to investigate this matter according to FCRA law. They have a true copy of my police report of the identity theft and failed to act regardless of there legal obligation to do so.
Product: Consumer Loan

In XXXX my identity was stolen when my vehicle was broken into and my wallet was stolen with my social security card, drivers license and bank cards. My identity was used to get a loan from a company call Mariner Finance /XXXX XXXX . I contact this company through writing, by phone calls and visit the location, I provide them with all information and documentations, they even compare my drivers license, signature, and social security card which did not match the ones that was use to get the loan. I went into the branch on XXXX/XXXX/XXXX to follow up with the investigation and they run my credit without my knowledge and still have n't done anything to resolve this situation. I did NOT apply for nor receive a loan from this company
Product: Checking or savings account

On XX/XX/2025 I transferred {$300.00} from my savings to my checking account. On XX/XX/XXXX I noticed the {$300.00} wasnt in my checking or savings account so I reached out to SoFi via chat. I found out that I had transferred {$300.00} from my SoFi savings to a US Bank checking account which has been closed for years. I told the agent the account was closed and they kept reiterating that I had done the transfer ( I have screenshots of the entire exchange ). The agent wasnt being helpful so I asked to speak to a supervisor. They told me the supervisor would say the same thing g and I again asked to speak to a supervisor. They told me a supervisor would come on the chat. They never did. I eventually ended the chat to start a new one and found out the call center had closed. The agent hadnt told me this. The next day I called the customer service line during business hours. They were not able to provide any information on how to get the money back. They said they would call when it was returned with no timeline. I still have no idea how to get the {$300.00} back into my SoFi account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a number on unauthorized inquiries on my credit report dated XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/2023 2023
Product: Debt collection

XX/XX/2017, i made several phone calla to XXXX XXXX XXXX about this that this is a identity theft, explained that i never been to Texas ever and I'm not a woman because its a woman names come with it. Until one day i spoke to someone in XXXX XXXX XXXX loyalty department and told me just disregard it, thats XX/XX/2017 when i had the conversation with XXXX XXXX XXXX loyalty department, I though thats the end of it.
Product: Debt collection

Ask the collection company to prove they have debt with me and was n't a collection agent that bought a account for pennies on the dollar and is now coming after me for a debt that they cant prove by any form of contract that I ever did any business with thus company!!!
Product: Debt collection

Good morning. As we are trying to buy a house, a delinquent notification of an account showed in my credit report from a company called XXXX XXXX XXXX XXXX. I reached to this company and they told me its a debt from XXXX. I have call over a dozen times to this people and have provided them with the info they have asked several times. My mother was a XXXX XXXX and as I was in the XXXX, she used my information to acquire services under my name, like Cable TV and now this. We didn't know until things started to pop up. She died last year of complications from XXXX/XXXX. I did my investigation and she got this XXXX account because the representative at a mall kiosk in PR was her friend and they used my info for her to get 2 cell phones. That employee no longer works there. I have told them the same thing over a dozen times and provided them with all the information. They said they will take it of my report. This has been going on for a while now and they continue to reach out to me. My credit score went down in a huge way thats to them pushing this in to my report and my house buying process is now at a stop due to this. Please, this is getting overwhelming and as I dig in the web, there is nothing but stories and complaints from this company. 

Please Help. Thanks.
Product: Mortgage

My mortgage service company started pre-foreclosure procedures even though I am not yet XXXX days behind my payments. I have also filed for a loan modification application before I received the pre-foreclosure letter. When I contacted the service provider they stated that both actions are not related and that I can ignore the pre-foreclosure letter since I have filed a loan modification application which I believe is not correct information. 

The service provider does not provide clear guidance on which articles might be missing and details around the actual missing data as the verbiage used is very generic and confusing. When I call online, every time I get a different person and they tend to be vague in their replies and not sure of what the underwriter is clearly looking for and what I should do next. For example, On one occasion they outlined a payment to a visa card on my bank statement as a transfer to another bank account. As I explained that the this was not a transfer, but a card payment. Finally after back and forth for a couple of days, I had to escalate to a supervisor who stated that it's better to supply the credit card statement to satisfy the underwriter, which I did. On a different occasion, the underwriter will ask for the same document multiple times even though it has been uploaded to their websites which send confirmation of the upload every time it's successful. It usually takes calling multiple times to have the service company acknowledge they got the statement they wanted. I feel sometimes that the delays are on purpose to circumvent the process and cause it to go beyond the allocated period. 

Most of the time I end up uploading the same documents based on what I receive from them. Extremely exhausting process and faulty at best as you do not have one party that works with you directly to solve any missing application items. Currently, I have been calling every day with very few movements.
Product: Mortgage

We have been working with SPS since XXXX XXXX on the short sale. They have repeatedly delayed the file and we have lost numerous buyers. We had an offer in XXXX for {$250000.00} - even though the value was only {$240000.00} they countered the buyer. The buyer finally walked in XXXX XXXX just as the bank issued a short sale approval letter. We relisted from XXXX until XXXX when we received an offer for {$230000.00}. SPS rejected the offer. We relisted and obtained and submitted an offer in XXXX XXXX for {$240000.00} - the actual value of the home, per SPS. 
Today SPS has countered the buyer, advising they require a NET of 95 % of the appraised value. In a short sale the bank ( SPS ) is legally obligated to pay the realtor commission, transfer tax and title insurance. This means unless the buyer pays SUBSTANTIALLY over market value for the home there is no way to get them 95 % of the value as their NET. This is another attempt for SPS to force my client into foreclosure. My client is a double amputee and is wheelchair bound - he can not live in this two story house. This is the second CFPB complaint against SPS on this particular file.
Product: Credit card

an unauthorized charge from XXXXXXXX XXXX XXXXXXXX appeared on my credit card statement in XXXX of 2023. I have made attempts with the flight school and spent many hours in talks with the credit card issuer ( Alliant ) but the charges and resulting interest fees still remain on my account. I understand that I am liable for not more than {$50.00} of the unauthorized charge, in accordance with federal law, but nothing more.
Product: Checking or savings account

I am trying to sign up with XXXX XXXX to invest in my future and it will not let me link my PNC bank account. Please help. Thanks
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report. I sent the copy of corrections by US Postal Mail Priority mail to XX/XX/XXXX on XX/XX/XXXX Priority Mail. Evidence is submitted to Federal Government filed complaint..
Product: Credit card

My vehicle was broken into which my wallet and phone was stolen from my vehicle. I've contacted Navy Federal on multiple occasions about this issue. My credit card account ending in XXXX has now maxed out. With multiple interest charges and the charges were not dismissed and now I am expected to pay XXXX XXXX. Which I am now reliable for these charges as the disputes were not cleared or investigated correctly.

I also disputed a few charges in my XXXX I was made liable to pay for the XXXX XXXX dispute as navy federal has pulled money from my accounts to pay for these charges I did not make.
Product: Debt collection

ran my credit this collection debt showed up the company won't give me information or proof of the original debt Spring oak Cap account on credit report filed 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

To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute to your agency through the CFPB. 

Complaint Numbers : XXXX XXXX XXXX There was no change as a result of this dispute so now I had to get the FTC involved with this issue. The FTC is attached. 

Your agency continues to report fraudulent information on my credit report that I need removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose and my explicit consent are authorized to access my credit information. Unauthorized inquiries can negatively impact my credit score and may indicate potential identity theft. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I did not authorize these inquiries, nor have I had any prior business relationships with these entities that would justify such actions. According to the FCRA, specifically 15 U.S.C. 1681b, access to a consumers credit report is permissible only under certain conditions, none of which apply in this case.

I request that you : 1. Investigate these unauthorized inquiries.

2. Remove them from my credit report if they are found to be unauthorized.

3. Provide written confirmation of the removal.

Enclosed are copies of my credit report highlighting the disputed inquiries, along with identification documents to verify my identity.

Please address this matter promptly, as the FCRA mandates a response within 30 days. Failure to comply may result in legal action to enforce my rights under federal law. 

Thank you for your immediate attention to this urgent matter. 

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

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my report and noticed someone applied for something in my name. I want to make you aware that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.
Product: Debt collection

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/2005.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File Number : XXXX MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  Breach of XXXX. Also Receive a email from TransUnion today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling TransUnion i have a list of account that was open and use without my consent MY TransUnion File Number : XXXX i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXXXXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 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 Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the hard inquiries as reported. The inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  opened XX/XX/XXXX XXXX open balance XXXXXXXX XXXX XXXX XXXX reported XX/XX/XXXX XXXX open balance XXXX XXXX reported XX/XX/XXXX XXXX reported balance XXXX  XXXX  reported XXXX XXXX XXXX XXXX reported balance XXXX  reported XX/XX/XXXX XXXX XXXX  reported balance has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I got the loan in XX/XX/2021 XXXX payment was due XXXX. I started paying XX/XX/2021 and continued to pay ahead. Every payment I would call and say please put the amount or the extra amount on the principle and they told me they would but they never did. I want the money paid ahead to go towards my principle. In XXXX a fee on my Statment says UNPAID TAXES/OTHER no one can tell me what it is for and I want it removed.
Product: Credit card or prepaid card

American Express solicited my business, asking me to apply for a new credit card in XXXX, XXXX ; Blue Cash Preferred * from American Express. The American Express solicitation included a {$300.00} credit promotional oer if at least {$3000.00} is spent on the card in 6 months. I applied. American Express pulled a new credit report and opened a new banking account for the credit card. I spent {$3000.00} within 4 months. 
Called American Express support multiple times and they conrmed my eligibility for the {$300.00} statement credit. After 7 months and no {$300.00} promotional credit I called American Express again. I was assured that I had satised the terms of the promotional oer on XX/XX/XXXX, but was told the XXXX XXXX ' pulled back the {$300.00} credit because they felt I was not a new customer. 

American Express has stated that they made mistakes in their support and agreed that their telephone support did verify on multiple times that I had satisfied all requirements for the {$300.00} -- promotional credit and should receive the credit. 

WSL XX/XX/XXXX in an article titled 'Justices ( Supreme Court XXXX Weigh Limits on Corruption Cases ', relevant quote 'prosecutors used the " right-to-control '' theory of fraud, which treats depriving someone of complete and accurate information bearing on an economic decision as a type of property fraud ... right-to-control ' theory is a valid basis for liability under the federal wire-fraud statute. ' I believe that American Express deprived my of accurate information when I decided to provide my private information on their credit card application. My choice to share my personal information, was an 'economic decision ' on my part directly attributable to the {$300.00} -- credit card statement. American Express miss-used my consumer and credit information on a fraudulent promotional offer. American Express communicated the fraudulent information by phone and XXXX mail, which in my opinion also aligns with the federal wire-fraud statute. If American Express continues to refuse to provide the promotional {$300.00} credit that they used to solicit my business and personal information, I will seriously consider taking them to small claims court.
Product: Mortgage

I applied for mortgage assistance with my lender since I have been struggling to pay my mortgage since my husband XXXX XXXX XXXX XXXX XXXX. I asked my lender for help and they denied the mortgage assistance because of my age they are not extending my loan which is possible because I have a XXXX XXXX loan they are assuming if they extend my loan I will die before the maturity date. That is age discrimination. I need assistance I am all alone with no one help. I lost my Husband and our household income was cut in half, I would like my lender to consider me for a loan modification.
Product: Debt collection

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Phoenix Financial Services.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.