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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... balance : - ; XXXX XXXX  XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6400.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX  XXXX .... Balance : {$4400.00} ; XXXX XXXX XXXX .... Balance : {$2100.00} ; XXXX XXXX XXXX .... Balance XXXX {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX 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 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 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I was promise by United Wholesale Mortg age ( UWM ), a Lender Credit of  {$2300.00} at 4.25 %. The final interest rate remain at 4.25 % but lender did not give the credi  t. Said that Broker did not locked the rate and cost change taking away the credit and charge on top {$1100.00} as Origination Charges.
First Estimate    XXXX   XXXX ,  2017 , shows rate unlocked,  XXXX   XXXX ,  2017   Estimate  shows rate locke  d, but Lender Credit taking away.
Second issued is that I was Double Dip on FHA UFMIP, paid in front and amount also added to/on principal loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens One Auto Finance located at XXXX XXXX Rhode Island places an inquiry on XX/XX/2018 XXXX XXXX located in XXXX Alabama, XXXX XXXX XXXX XXXX XXXX has many unauthorized inquires appearing on all 3 of my major credit bureaus. The FCRA protects consumers against these unlawful practices. I have requested that this inquiry be removed from my credit report unless they can provide a signed application and a copy of my government issued ID.
Product: Debt collection

This loan was taken out with Suntrust as a line of credit by a business that I used to own. I was offered so many products I was told my it was a business unsecured line of credit and my credit was not the applicate, but a singer CEO they have more than double the original amount and from XXXX to XXXX! The company went belly up and they came after me. They have called and harassed, turned my case over to a collection agency and the loan was originally taken out in XX/XX/XXXX.  Payments stopped in XX/XX/XXXX and now going on almost 14 years and I am still harassed via mail when I have requested after 7 years that they remove form my personal. they have again is is 14 years later, they bill me ever month and refuse to remove the debit from my credit. Per my rights it should be removed they had attempted to put a lien on my home which was made to be removed by the legal department and it shows a bad on my credit report.
Product: Credit card or prepaid card

Received marketing letters once a month from Chase for the last 18 months to apply for the Chase XXXX Credit Card. Four of these letters are currently in hand. All advertise the ability to apply for a credit card with a given sign up bonus and state that you will be considered if you do not current have the card nor have received a new cardmember bonus within the last 12 months. No other limitations are stated on the mailings limiting the application or guaranteeing rejection for certain subsection of candidates. 

The application rejection letter was sent out on XX/XX/XXXX and received it on the XXXX. No reconsideration was implied and no number or contact information was listed. After rereading the back of the letter and searching online, I discovered that they have a policy of denying and not reconsidering all people with 5 or more new accounts in the last 24 months. This information was not listed anywhere on their website or on the application. They claim it is not a policy, but a rejection reason. They did not offer any proof that it was not a hard policy or rule. This adversely impacted my credit score based on an unwritten policy claimed to be a trade secret when it is currently public knowledge. This also constitutes false advertising as it implies consideration when none is intended. They also are collecting financial information at the detriment of the applicant with no intention of offering the card, but to a subset of individuals for non-credit worthiness reasons. The original rejection reason also discriminates against age since younger people would open more accounts within a 24 month period than older, established individuals.
Product: Credit card

I have The Gap store credit card which is handled by Barclays Bank. I made a late payment for the full balance on XXXX XXXX, but for some reason, the payment did not go through. I assumed it had been processed and did not check and on XX/XX/XXXX, I got a statement from Barclays saying that I was late. So I tried to pay the balance in full online, but Barclays said that since the previous payment did not go through, I needed to furnish another bank account, which I don't have. So I called Barclays Bank and gave them my bank account information again around XX/XX/XXXX, but they have still not processed my payment since the balance amount has not been deducted from my bank account. 

I am filing this complaint because Barclays Bank and The Gap seem to prefer charging interest on my balance and damaging my credit instead of accepting my payment in full. Unless action is not taken soon, I can see that they will send me another statement around XX/XX/XXXX charging me more interest and telling me that I am late in making a payment. This is why I am writing to you to take care of this situation : I want Barclays to take my full payment for my balance instead of playing usury games with me.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized fraudulent accounts include the following : XXXX XXXX opened XX/XX/XXXXXXXX  balance XXXX $ XXXX XXXXXXXX opened XX/XX/XXXX {$230.00} XXXX XXXX opened XX/XX/XXXXXXXX XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance XXXX $ XXXXXXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ Unauthorized address used to obtain fraudulent accounts include : XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX OH XXXX Fraudulent inquires : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern and frustration regarding the re-insertion of account that had already been deleted from my credit report. This action is not only unwarranted but also indicative of a serious lapse in your verification and reporting processes. I am requesting an immediate resolution to this matter, along with a thorough explanation of how and why this occurred. As you are aware, under the Fair Credit Reporting Act ( FCRA ), once disputed account has been investigated and subsequently deleted from a credit report, they should not be re-inserted without substantial evidence and compliance with strict procedural requirements. Specifically : Verification and Notification Requirements : The FCRA mandates that any re-inserted account must be verified as accurate and complete. 
You are required to notify the consumer in writing of the re-insertion, providing details of the evidence used to substantiate its accuracy. I did not receive such notification, which is a direct violation of your legal obligations. 
Failure to Conduct a Thorough Investigation : The account in question was already deemed inaccurate and removed. What new information or documentation prompted their re-insertion? 
If no additional verification was provided, this re-insertion is a clear failure of Transunion to exercise due diligence in ensuring the accuracy of its reports. 
Accountability of the Bureau : It is not the responsibility of the consumer to repeatedly dispute the same inaccuracies. Your bureau has a duty to maintain accurate records and prevent erroneous re-reporting. 
The re-insertion of this account suggests either negligence or a disregard for consumer rights, both of which are unacceptable. 
I demand that the following actions be taken immediately : Permanent Removal o

f the Re-Inserted Accounts : This account must be removed from my credit report immediately, and Transunion must ensure that they are not rereported in the future without incontrovertible evidence of their accuracy. Detailed Explanation of Re-Insertion : Provide a written explanation o
f why this account was re-inserted, including the specific evidence or documentation relied upon to justify their reappearance. 
Assurance of Compliance : Implement measures to prevent such occurrences in the future, ensuring that deleted account is not improperly reinserted into credit files. 

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

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX.
Product: Debt collection

Im a victim of identity fraud and theft. I do not owe this debt collection and I want to report that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer Neltnet. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$17000.00} XXXX XXXX $ {$16000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$210.00} XXXX XXXX   XXXX {$16000.00}
Product: Debt collection

two messages about a check written from previous bank from 2017. He then threatened to file bad check in XXXX XXXX court. Then called back 3 minutes later claiming he just talked to the XXXX County XXXX and was told that he legally had to contact my employer of my school district to report I commited a crime. He has now contacted my family telling them all I committed a crime and would be going to jail. Have never had any communication in regards to any debt or bad check from 2017.
Product: Debt collection

Corporate Office Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX RE : Accunt # XXXX ; CASH STORE-XXXX, TEXASXX/XX/XXXXAttn : VP-Corporate Collections, I am writing to notify you of my request for a Consumer Affairs investigation by the Attorney General of Texas Consumer Affairs Division . I took out a loan and records indicate the payments are not being processed as requested on XX/XX/2021. Please contact the XXXX XXXX XXXX location to correct this issue. I will not refinance a loan unless you provide documents indicating I made no errors in my loan processing/etc. Payments can be made with my credit card or checking account as previously requested. 



You can have someone from corporate contact me at the address/number listed above. This is the second time an error of this nature has occurred regarding a loan. A VP from Corporate call a few years ago to resolve the issue last time. The XXXX XXXX called on XX/XX/2021 and said I refused to make a payment on XX/XX/2021 by credit card. I dispute this statement. My {$1200.00} overdraft protection status at Texas XXXX XXXX is in place. I am waiting on a call back from Corporate. I spoke to three employees regarding noting the account about my concerns. I am not interested in refinancing a loan. Enclosed is a payment for {$370.00} dated XX/XX/2021. I want all future payments to be process as promised on the debit card until paid in full. 



The Cash Store call during the week of the high school shooting in XXXX, Texas ; however, as an XXXX employee I was not able to respond to any calls. I understand the bank approved the payment and you will process all other payments. I will do my best to pay this account off early. But, I will not return to your store locations. The employee I spoke to in collections surprised me by claiming no managers are available to speak to customers. Then, I was told corporate has no communication with store managers. Wow!
Product: Credit card or prepaid card

I never even knew this card existed until midland started harassing me. So i started doing some of my own research. It has made my credit score drop drastically. It appears this account was closed on XX/XX/XXXX with a {$0.00} balance. Why did XXXX  XXXX accept a payment after the account was closed and had a XXXX balance? It appears that XXXX  XXXX accepted a payment on XX/XX/XXXX on this account that was closed. I never knew anything about this account and want to know who is going to repair my credit score?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Captial One XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. I had credit cards with them which was included in a Bankruptcy XXXX XXXX and discharged XX/XX/XXXX. The way they have the accounts set up in their system is preventing me getting credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$400.00} XXXX   XXXX {$14000.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$87.00} XXXX   XXXX {$90.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XXXX XXXX, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Mortgage

My ex-husband and I divorced on XXXX He kept our residence which was financed through Wells Fargo. I moved in with my parents. I was court ordered to sign a quit claim deed for our home, which I did. My ex-husband was court ordered to complete paperwork to effectuate the transfer of assets and liabilities pursuant to our divorce order. He did not. On XX/XX/XXXX, we mediated and ex-husband agreed to make a good faith effort to assume the existing VA mortgage and release the wife ( myself, a nonveteran ) from the liability of the mortgage. He has not. During this thirteen-year period, Wells Fargo has restructured the mortgage twice in my name. I did not sign or attend the closings. I have not given verbal permission for the restructures of the loan. During the first restructure, I received a phone call from Wells Fargo to meet with a notary to sign. I told the woman that I would not sign and will not give permission to restructure the loan. They restructured and added principle onto the mortgage against my wishes. On XXXX principle amounts of {$17000.00} and {$20000.00} were added to the loan. In XX/XX/XXXX, I was emailed by Wells Fargo about another refinance. I emailed XXXX in response and called as well. In the attached email, I stated I do not want the loan refinanced or restructured in my name. Wells Fargo did not respond and the loan was once again restructured in my name. More principle and time was added to the loan. I do not know the amount of the last principle added. This has had an impact on my credit and more debt in my name. My ex-husband has remained employed by the same large corporation since our divorce and continues to have increased income. I have not given permission for the last two loan changes. I left the home thirteen years ago. I do not understand how Wells Fargo can legally restructure a loan twice, despite a court order for my ex-husband to refinance solely, without my consent or signature. I respectfully ask Wells Fargo to remove my name from this mortgage.
Product: Credit card

I am writing to express my frustration with the multiple attempts to contact me regarding missed payments and the suspicion that Bank of America may be setting traps to earn interest. I have encountered numerous instances where I have been unable to make payments on time due to various reasons, and despite my efforts to rectify the situation, the repeated contacts have been excessive and inconvenient. I am concerned that this may be a deliberate strategy to generate additional interest revenue for the bank.

I would appreciate it if you could investigate this matter promptly and provide me with a satisfactory explanation. Additionally, I request that you review your contact procedures to ensure they are fair and reasonable for customers facing financial difficulties.

Thank you for your attention to this matter. 

Sincerely, XXXX