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

I am writing to formally dispute and request the removal of unauthorized accounts that appear on my credit report. These accounts are the result of identity theft stemming from a recent data breach, and I have not authorized, opened, or conducted any transactions associated with them. Below are the specific accounts that need to be removed : XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX XXXXXXXX- please remove and delete this account XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXXXXXX XXXX XXXX- please remove and delete this account Following the data breach, my personal information was compromised, leading to the unauthorized opening and use of these accounts. I became aware of these accounts when I reviewed my credit report and noticed unfamiliar accounts and activities.
Product: Credit reporting or other personal consumer reports

I have some unknown unrecognizable inquiries on my XXXX credit report That i did ortherize. The inquiries are XXXX XXXX XXXX XXXX date XX/XX/year>, XXXX XXXX  date XX/XX/year> XXXX XXXX XXXX date XX/XX/year> XXXX XXXX XXXX date XX/XX/year> XXXX XXXX XXXX date XX/XX/year>.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company has violated not only my rights but Georgia consumer law for charging excessive interest. XX/XX/XXXX XXXX limits the interest rate that lenders can charge. This company has been sued by the Attorney general of Massachusetts in 2024. XXXX XXXX has ten days to have this account removed from my credit profile with a three credit bureaus immediately. If not I will file a case as well. This violation warrants criminal penalties for excessive interest here in Georgia.
Product: Credit card or prepaid card

Hello CFPB, I went into a dining establishment on XX/XX/19 and 3 credit charges totaling {$8500.00} were billed on my Citibank credit card in less than two hours. The first charge was {$980.00}, the second was {$1800.00}, and the third was {$5700.00}. 
I disputed the second and third charges over the telephone on XX/XX/19. The CSR entered my dispute and also mailed me a new card and number. During that conversation, I was never given any tracking information for my dispute or how to work with Citibank during the process. On XX/XX/19, I received a letter from Citibank stating that activity on my credit card was valid, rebilled my account, and considered the investigation closed. On XX/XX/19, I wrote to Citibank that I disagree with their resolution on this matter. Which I have had no response. 
Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car and I received hard inquiries from other places. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never used credit in the past i have been XXXX  for sometime and never open these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of investigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian / XXXX / XXXX  / XXXX I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information XXXX respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could  not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application. 

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.
Product: Mortgage

My green card is out of date. I applied for Citizenship back in XXXX 2018. I am 100 % service connected XXXX XXXX year old XXXX XXXX veteran. I have contacted VA. They forwarded my information, which has got me no wheres. I applied for loan and this was the only hold up. As of yet I have not received citizenship. What can I do? 
I have a letter from Homeland Security and Immigration Judge to Immigration give me my certificate of citizenship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting

XXXX XXXX XXXX collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards of items on my credit report it has been well over 30 days I havent received any investigation results.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Vehicle loan or lease

fraudulent contract, excessive interst, predatory loan, interest rate is against the law per NY State I spoke with a manager concerning my interest rate on this loan taken out XXXX. I was told that because i purchased this vehicle in the state of Texas my interest rate was % 19 I explained to the gentleman that i did not purchase the vehicle in Texas i purchased the vehicle in new York State and that this interest rate was against the law in my state. I spoke with the attorney general office and was advised to notify Santander that the rate and contract was considered predatory lending and my contract also shows that i purchased the vehicle in NY State. i have never been to Texas nor have i ever resided in Texas. this contract is different from what i have however this deal took place over the phone and via bank wire so i do not know what was submitted on santander 's end. I also explained to the attorney general that this is a $ XXXX loan and i still have a balance of $ XXXX that exceeds % 20 interest. at % 20 percent i would have paid $ XXXX in interest and have a balance near $ 16k at this day in time. this figure shows that my interest is over % .30 percent. I was informed of the class action law suit form XXXX XXXX and that my proof of purchase and this interest as well as the fact that this is known as a Simple loan which are not legal in the state of NY makes this contract null and void and per the attorney general i should start this paper trail to provide evidence that this company will do the usual and not remedy this problem. Once i have the evidence that the issue is not resolved knowing that Santander has an illegal contract and terms. To escalate this matter through the attorney generals office and law suit.This interest has caused great hardship and the main reason my payments fell behind. I have proof i did not purchase in Texas. I have proof my contract shows I purchased in New York state. the attorney general has proof this loan type and contract along with its interest is illegal In New York State and Lastly this company has violated the FDCPA by attempting to collect a debt and they are not licensed in the city of XXXX to do so. Per the Attorney General you do not need a license to collect in the state of New York Unless you are collecting in XXXX New York  and XXXX XXXX XXXX. I reside in XXXX Ny. This company must be licensed to collect from me and since they are not they have violated my rights for over 2 years and i legally have a separate law suit.
Product: Student loan

In XX/XX/XXXX I enrolled in XXXX education services. I attempted to cancel several times. Received confirmation of cancelled class in XX/XX/XXXX. They did not offer the type of service advertised and my advisor was in XXXX which made it difficult to communicate. XXXX  contacted me on XX/XX/XXXX to sell the loan for 1 month of service to Climb. ( Only did classes up to unit XXXX ) I responded to them on XX/XX/XXXX highlighting that I did NOT consent to financing one month of service with Climb I called Climb on Friday XX/XX/XXXX. To get more information on the loan. They refused to confirm loan amount, they refused to provide any assurance that they would resolve this issue. I highlighted several times I did not consent to financing this amount. I am making this CFPB complaint because I don't have any idea what terms XXXX  signed me up for it what fraudulent information they provided. I consented to financing the whole class at enrollment but once cancelled I had to pay for the time I was there due to XXXX  finance agreement with Climb. 

Climb took on this loan knowing it was likely fraudulent since it's outside of their standard financing agreement.
Product: Mortgage

Our mortgage was refinanced several years ago and purchased by Seterus, XXXX XXXX XXXX, XXXX, CT XXXX. At the time of closing, we are obligated to pay PMI and was told once the loan to value ratio reached 80 %, the PMI could be discontinued. Seterus has been biased in requiring us to pay {$350.00} for them to select an appraiser of their choosing without giving us, the consumer, an option of a list of appraisers in the State of Wisconsin. Twice, after completing major updates and home improvements, we have applied to have the PMI discontinued. In XXXX 2016, for the second time, we paid {$350.00} and used the appraiser that Seterus selected to conduct the loan to value assessment and we were within a reachable limit of 82 %. Seterus changed the contract ( orally ) to state that the loan to value must now be at 75 %. After speaking to Seterus regarding this issue several times by phone, they failed to provide written documentation or proof that we agreed to pay 75 % at the time of closing. A review of our closing documents states that PMI should be discontinued once the loan reaches 80 % loan to value. This PMI is {$110.00} per month and is deemed as an unnecessary burden to us as consumers, considering we have owned this property for 12 years and have never been late with a mortgage payment.
Product: Credit reporting or other personal consumer reports

I have put reply within my dispute that is attached. The XXXX XXXX and company have not fixed problem.
Product: Credit card or prepaid card

On  XXXX   XXXX ,    2017, w e received a letter from  XXXX   XXXX   XXXX , Senior Vice President,  Loan Operations, Consumer Financial Services, for Wells Fargo. In that letter, I was informed, " [ i ] n a   recent review of your relationship wit h Wells Fargo, w e found that you have defaulted on a Wells Fargo loan account. As a result, we are closing your credit card account as of the date of this letter...  ". A copy of this letter is attached to this complaint. In addition, Wells Fargo has filed a credit report with  XXXX  notifying them that we 've defaulted on Well 's Fargo 's account ending in the digits    XXXX .      We 've reviewed Wells Fargo 's allegation and have determined they are false. Documentary evidence supporting our determination is attached. We have brought this matter to your attention because of concerns that Wells Fargo 's allegation is also potentially fraudulent. Discussions with Wells Fargo  staff today to attempt to resolve this issue have been inconclusive, and we are concerned about the inaccurate report to   XXXX   remaining on our credit report. In speaking with  XXXX  from  Wells Fargo 's  " executive office '' (  XXXX , extension  XXXX  ), we received the following information  : 1 ) this might have been a clerical error ; and/or 2 ) this might have been due to inappropriate activity on another Wells Fargo account ending in the dig its  XXXX . As described below, we have had no such account at any time. She has informed us this matter will require 10 days to resolve, however has not provided any additional information regarding the steps involved with the resolution.     Information pertinent to this matter is attached to this complaint :  1. The Wells Fargo ac count is paid by direct deposit from a  XXXX   XXXX  checking account. Attached is a record of on-time payments to th e Wells Fargo account going back well over one year .      2. Wells Fargo alle ges that we have an second account with them which we have defaulted upon. In reviewing our credit report, we do not have any accounts wit h Wells Fargo except for the one en ding in the digits  XXXX . Attached are a   XXXX  -bureau credit report documenting our account history, and a account report from  XXXX .   XXXX   of these show only the sin gle Wells Fargo account ending in digits  XXXX .
Product: Credit card

This is ongoing with Bank of America I was issued a XXXX XXXX  credit card Used it and paid of balance as required Received notice that my account was closed and I did not meet their criteria for credit I have perfect credit and have had property loan and business loans with bank of America I just was at brank and my uncle who I take care of at this time wanted to add me to his account to help manage his finances. I was refused again by bank of America and when I called their number was told that it was their decision and nothing could be done. 
I am asking and have sent a written request to them with the notice I received from XXXX XXXX to please let me know why they are refusing credit so I can dispute any issue or problems I find No response
Product: Mortgage

Around XXXX, I was XXXX XXXX XXXX XXXX  During that time, I was told I would be receiving a check for an escrow overpayment in the mail. When I caught wind of this, I called and asked to put a stop to the check as I was in no position to retreive the check in the mail. 

I was told that they could stop the check, and then after 30 days direct deposit the amount into my bank account. This was after a few phone calls when I had time in between training while at XXXX XXXX Texas for XXXXXXXX XXXX XXXX I had wanted to get this taken care of before I left the country. 

After about 45 days, I called to confirm that my direct deposit request was confirmed and processed on the XXXX of XXXX and that I would receive my deposite within 7-10 business days. 

on XX/XX/XXXX, after not receiving anything, I called again and was told that my request was denied. Reps were not able to provide any further explanation and cited " the system '' was preventing them from making this happen. 

After threatening to complain to the CFPB, and leveraging my legal assistance through XXXX XXXX XXXX, I was finally escalated to XXXX ( Caller ID XXXX ) and given her direct line at XXXX. She advised she was going to make the request ( again ) and she would follow up with me within 24 hours on the results. It is now the XXXX of XXXX and I've heard nothing from here. I've been on hold for XXXX minutes, which has given me long enough time to escalate this with my XXXX  and even file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. This issue is giving me an extremely hard time trying to get a house. The items are listed in the report. I am a victim of identity theft and did not make the charges. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible please and thank you! 

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

I have TRIED numerous times to get the Credit Card Account { XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX } REMOVED/DELETE from my Transunion Credit Report -- SEE ATTACHED . Additionally, this INACCURATE Credit Card Account information is also being reported on my XXXX and XXXX Reports. I have disputed it numerous times with ALL THREE Credit Reporting Bureaus/Agencies , and with XXXX XXXX XXXX XXXX ; but CAN NOT get any RESOLUTION. This Credit Card Account contains INACCURATE conflicting information. By Law, Information on Consumer Credit Reports is suppose to be ACCURATE.
Product: Credit card or prepaid card

Citibank is arbitrarily and capriciously denying a credit limit increase to me- even though I have a XXXX score with all three credit bureaus - all balances are paid in full - and I utilize less than 5 % of my available credit limit - and I have excellent payment history with no late or missed payments ever. Citibank is continually pulling wrong credit report information that is inaccurate and this is harming me. I was told at the time of request - an accurate credit report would be pulled- which either was false or there is then no rhyme or reason to why Citibank denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm desperately trying to get in touch with this bureau. I sent letters at least over 60 days ago to this bureau and they have not responded what so ever. I'm highly upset plus stressed out and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it. Don't they have a time limit on how many days they are required to respond to a regular consumer?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion credit reporting agency block and remove 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 many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Mortgage

Shellpoint mortgage servicing is charging for late fees and other charges they made up stolen from me they keep sending les and charges they keep making up since they got this account 3 mounts ago I called costumer services and they dont know where the charges comes from they say they got this account not long ago and they dont know where it comes from but now they charging late fee for it now Im supposed to be in called loan modification they taken advantage of harass me and making my life a living XXXX this is a fraudulent company trying to XXXX people only because XXXX XXXX XXXX can do it now they have this corrupted company trying to do it I send my payments the fist day of the XXXX but they keep charging for a late fee in my first complaint I asked to tell me what XXXX I owed them but the dont say or send me any thing that explains where In shore or may missing XXXX