23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Purchased home in XX/XX/XXXX. Was paid for through XXXX XXXX, paid XXXX for the house, paid XXXX down as the down pmt. XXXX XXXX XXXX sold loan to XXXX XXXX in XX/XX/XXXX. Then it went through XXXX XXXX XXXX onto XXXX XXXX, then to XXXX XXXX XXXX, Somehow XXXX XXXX XXXX hijacked our mortgage acct making up false accts - they stole people 's loans somehow. My identity had been stolen and XXXX XXXX was the one that told me about that in a letter from him when he was the Attorney General in XXXX. We have contacted the following to try to get help in our matter ; XXXX XXXX, XXXX XXXX, XXXX XXXX, Secret Service, FBI, U.S. Marshalls, U.S. Attorney XXXX. To no avail, we have tried to get help. We found after pulling XXXX XXXX XXXX 's credit report, it showed that the home was supposed to be paid for in XX/XX/XXXX through XXXX XXXX XXXX in the amt of XXXX. So why were we still paying on the home when it was supposed to be pd off in XX/XX/XXXX? All we financed in XX/XX/XXXX was {$18000.00}. We paid {$660.00} per mo for 72 months this was paid to XXXX XXXX XXXX. Then XXXX XXXX XXXX somehow got hold of our already pd for home and stole the loan and stole our escrow amt of XXXX, also charged us flood insurance when we do not live in a flood zone. Since then, in XX/XX/XXXX, we have been browbeaten, harassed by this SPS, threatened to have foreclosure done, We stopped paying in XX/XX/XXXX. We sent in a check for {$660.00} as usual, found out that our check had been stolen through the SPS and never applied to our acct. We had THREE different acct numbers with them. We were told it was a fraudulent company. This company, SPS has harassed me, XXXX XXXX so bad that when I went to the dr , my XXXX XXXX was through the roof, had to go on XXXX XXXX, along with XXXX XXXX too. Please look up XXXX and look up XXXX XXXX XXXX. You will find thousands of complaints.
Product: Checking or savings account

18 years ago, in 2005 i opened a " High Yield '' IRA with Wells Fargo Bank. Since then i lost track of the account, but have recently found the account information. I was shocked to discover that after 18 years, the account had earned approximately 4 % TOTAL - not 4 % annual yield, but 4 % total or approximately {$80.00} on a {$2000.00} deposit. Is this " High Yield '' in your opinion? While I'm familiar with the concept of predatory lending, i'm not sure what the term for this type of deceptive advertising would be called - referring to an account as " high yield '' but it's far from. How many other consumers has WF duped by this scheme? 

I have attached my statement which states at the top " Retirement High Yield Savings ''
Product: Mortgage

On XX/XX/XXXX we canceled ALL of our insurance policies with XXXX XXXX. In XXXX it was brought to our attention that our policies with XXXX XXXX had not been canceled as we requested in XXXX. We had purchased a new homeowners insurance policy with XXXX bundled with our automobiles. In XXXX we had Strom damage to our home, we called XXXX to open a damage claim, XXXX informed us that we no longer had a policy with them due to not receive a renewal premium payment from Ocwen/PHH Mortgage Service Escrow department . We called PHH/Ocwen they informed us that XXXX XXXX was our insurance company. We asked them why did they pay XXXX without doing their due diligence, because we had not given them a cancellation letter nor were we informed that our homeowner insurance had changed. PHH/Ocwen told us that XXXX XXXX sent them a declaration for payment and they paid it. We are still having issue with XXXX to this current date. We were forced to hire an attorney to get the repair of our home done. We loss fund for attorney fees, bundling, paying a higher cost {$3000.00} more per year than we would have paid with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to rebuild my credit the bankruptcy on my report is holding my credit score down is there anyway to get it off ?? I have fixed all other problems that I have had in the past since then!! I try to keep up on all my Bill's now a days and iam very responsible and upstanding citizen. Thank you very much XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Fraud Division Special Handling XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Dear Experian Fraud Department, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have already filed complaints with the FTC and CFPB regarding this matter, and I request the immediate removal of the fraudulent information outlined below. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, as a victim of identity theft, I am entitled to have inaccurate and unauthorized information removed from my credit report. 

FTC Complaint # : XXXX CFPB Complaint # : [ Insert Number ] Fraudulent Collection : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Collection account with {$510.00} past due as of XX/XX/XXXX. 


Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please address these issues promptly. 

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

XXXX XXXX continues to report to the XXXX credit bureaus inaccurate and deliberate false information regarding the initial default date. You will see the attachment documents that support this again after several disputes and ignored by all. 

The proof is here in the documents provided to you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my credit history and financial well-being, and I am seeking your immediate assistance to rectify this matter. 
I discovered that my credit report issued by 3 Credit Bureaus contained multiple fraudulent entries that do not belong to me. These entries are adversely affecting my credit score and are a result of identity theft or unauthorized activities. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, causing significant damage to my financial standing.

I kindly request that you take the following actions to address this issue : Conduct a comprehensive review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assitance to remove the following fraud item in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Credit card

Re : Product not received ; no refund made. 

Dear sir/madam, On XXXX XX/XX/XXXX, I bought XXXX XXXX log splitter advertised on internet at XXXX ( see attachment ). The only options to pay was using AfterPay account ( https : //www.afterpay.com ). I opened account in AfterPay attaching my XXXX XXXX XXXX and made four transactions {$250.00} each ( {$1000.00} total ) for the order using Credit Card attached to AfterPay account. 
AfterPay forwards my payment to different merchant. My order opened in XXXX and payment made to XXXX XXXX XXXX ( see attachment ). 
I never made any orders in the XXXX XXXX XXXX and not authorize AfterPay to pay this merchant. 
In addition, the original order has no tax and the shipment was free. It makes me think these transactions are fraudulent and I opened dispute at XX/XX/XXXX in my credit Card account and request AfterPay to cancel the order and make full refund.

My AfterPay account indicates that order was canceled and all four transactions refunded to credit card, but refunds were not really made ( see attachment ). 
I contact AfterPay asking a reason why they not make refunds and they want me to withdraw dispute before refund ( see attachment ). 
I do not have refunds even they promise to make it at XX/XX/XXXX ( see attachment ). 
To resolve the problem, I would like a refund of my payments. I have enclosed copies of my contacts and screenshots about these transactions. 
I look forward to your reply and a resolution to my problem. 
Please contact me at the email on this letter. 
Sincerely, XXXX XXXX Enclosure ( s ) Screenshot of the order in topodzi.shop Screenshot of my account in AfterPay sending my payments to XXXX XXXX XXXX. 
Screenshot of my account in AfterPay indicate that payments were refunded on Credit Card. 
Approval for fraud clime for XXXX credit card. 
Email thread of my complaint to AfterPay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HARD INQUIRY on my credit report for XXXX on XX/XX/2022. The inquiry was not made by me. I tried to call XXXX XXXX XXXX  several times to resolve the issue. XXXX asked me to get a letter from XXXX XXXX XXXX regarding the inquiry. Apparently, XXXX XXXX XXXX has resolved the problem at their end with no letter to me to present to XXXX. Called XXXX again and explained the whole situation and they tell me they can not delete as well until I report the issue with FTC. This inquiry is causing a decrease in my credit report which I did not make.
Product: Credit card or prepaid card

Equifax has violated my consumer privacy rights, without my permission it has reported private transactions of which it had no right or permission to do so, they have been notified in the past of these violations, but to date continue to violate my consumer rights.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, 2023 my Rewards account was hacked and {$2000.00} was supposedly sent to my XXXX account. Nothing was ever received. On XXXX XXXX I noticed the hack and reported it to USAA who said they would investigate. On XX/XX/XXXX I spoke to XXXX who said I would get reimbursed (? ) I was not clear on what she said she would do but she said it would happen the next week. Shortly I saw emails from USAA Rewards coming into my XXXX account. Fortunately she called at the same time and I asked what was happening. She said I was getting the e-cards replaced. I told her to stop because I never ordered any cards. In the 25 years + I have never redeemed a penny from my USAA Rewards account. 
From the initial investigation to now, USAA says there was no fraud as the e-cards were sent to my email. I asked who ordered them and did they actually get sent to my email and where were they tendered? Only THE BANK knows and nobody can call them or email them or contact them in manner! If they thieves were able to hack my Rewards account, are they savvy enough to have them sent to another account that shows as my account? If I received the first e-cards, why would USAA send me another set? They would have {$4100.00} in liability instead of {$2100.00}! From the first conversation to the last, over 25 hours, I have stated that I never ordered anything from USAA Rewards. I dont use the merchants that the e-cards were for. I dont even know what or how to use an e-card! My USAA card says I am not liable for fraud but in person they say USAA Rewards is separate from USAA Visa credit cards and part of THE BANK which nobody can contact! I dont receive Rewards unless I use my card, seems like they are connected! 
If this happened to me, how many other accounts were also victims? If the trail says the cards were sent but not used, USAA is the winner! I want USAA to examine their system and find out how the hackers are accessing their credit card rewards accounts. I would like my account to have the e-card amounts replaced and have the confidence that it wont happen again. 
Thank you for your assistance! XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company Flagship Credit did not report any payment activity in the second half of 2023. Additionally, they recently recorded XXXX for recently submitted payment activity. 

XXXX then verified the information was correct despite obvious proof payments were received. I recently attempted to trade the vehicle and the dealership explained they would not accept the trade due to misinformation. I am not sure if XXXX ever actually reviewed my dispute or verified the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXXXXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a copy of two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS:XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ***** PLEASE REMOVE THIS ADDRESS FROM MY CREDIT FILE XXXX XXXX XXXX KY , XXXX XXXX XXXX , FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Sunrise Credit Services group continues to report to all major credit agencies that I owe a debt of {$230.00}. I do not owe this debt. XXXX XXXX XXXX has cleared this account and stated that I do not owe this debt. I spoke to Sunrise on XX/XX/XXXX and XX/XX/XXXX. They refuse to remove the negative mark on my credit report even though they have received communication from XXXX XXXX XXXX ( on XXXX ) that I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX, MI XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is due to a hospital emergency room visit back in XX/XX/XXXX. The amount owed is {$650.00}. I 've had XXXX, which pays 100 % for all medical expenses since XX/XX/XXXX. XXXX informed me this was paid back in XX/XX/XXXX.
I 've contacted the original debtor, the collection agencies and my insurance company. My insurance company informed the collection agency this invoice was paid to the original debtor. They also contacted the original debtor to notify this had been paid, but the original debtor stated they can not do anything about this, since a collection agency owns the account.
However, my insurance company found out the collection agency has the wrong date of birth, so I keep getting billed for this paid services. I 've notified them of this error, so has my insurance company and the collection agency informed me, this debt would be removed from their system and my credit report.
They still have not updated their system and for over 4 years now, I am still be harassed by them to pay a bill, which has already been paid.
Please help!
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - missed payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681a D section 2 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] This transaction history should NOT be apart of my credit report by LAW! I did not authorize this!
Product: Credit reporting or other personal consumer reports

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

An hard inquiry was found on my credit report for a credit card from XXXX, XXXX credit card/XXXX which I didn't apply for. I called them to inform them to stop the transaction and remove it from my credit but they said they recognize what am talking about that i should called XXXX   which I did, XXXX referred back to XXXX. 
Please I need both of them to urgently stop the application, not to approved it and take it off my credit report as a hard inquiry