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

On XX/XX/2022. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was 97 % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score. 
I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with XXXX, which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I totaled my brand new XXXX XXXX in XXXX of XXXX. I notified the bank CAPTAL ONE AUTO FINANCE '' and the Gap insurance. I was going thro ugh a divorce and my ex had dropp
ed my car off the auto insurance without notifying me. My policy was set to start the day after the accident. The auto shop and the Gap insurance company all notified the bank that the vehicle was totaled and they refuse to acknowledge the fact of the car being totaled because they did not hear from an auto insurance company. They received multiple payments from the Gap insurance company and still have it listed as a charge back/ repo and I have disputed it over and over for 2 years now and this is preventing me from being able to get another auto-loan without having to put XXXX or more down. Also they are going after my co-signer, and myself AFTER receiving those multiple gap payments.
Product: Debt collection

repeated calls to my place of employment despite being told by my supervisor not to call the company
Product: Bank account or service

Last year, I opened a Citigold checking account under promotion XXXX. This promotion grants XXXX bonus points for opening the account and spending {$1000.00} in debit purchases within 60 days and complete a bill pay in two consecutive months. I fulfilled these requirements. 
On XX/XX/XXXX, after not getting the promised points, I contacted Citi and they confirmed that I enrolled and fulfilled the requirements. They stated that I would receive the bonus miles within 90 days ( which would have been XX/XX/XXXX ). 
I still did not receive the points, so I contacted Citi again XX/XX/XXXX, and they said that they would launch an investigation, and that I would receive an e-mail confirmation of the investigation no later than XX/XX/XXXX. I never received that confirmation. 
So the issue is that I did not receive the XXXX bonus miles promised to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 rounds of disputes! With ZERO updates at all. Over the course of the last 2 months I havent had any of the fraudulent information removed at all! I am hoping you can force the bureaus to take my disputes seriously! 


XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXX These inquires where not made by myself! They are fraud!
Product: Debt or credit management

White & Jacobs Associates XXXX XXXX XXXX  I contacted this company around XX/XX/year> I started paying XXXX a month for their credit monitoring, and {$150.00} twice a month for their credit repair service. 
Its XXXX and nothing was repaired, and Ive received no letters from credit bureaus, like I have from previous credit repair companies. 
I also never received the call from the attorney like they said I would. 
XXXX XXXX made all these promises about them being a group of lawyers, and auditing the credit bureaus, yet I received a letter not about a dispute, but how they couldnt really resolve anything on my behalf. This letter was from XXXX, now if you cant resolve issues why do you need a power of attorney, unless your just full of XXXX, which they are. I also received a letter from experian stating this company tried to access my company, but could not. This company owes me {$510.00}. I saw other reviews where the company owes others more, like around {$1500.00}. This is a huge fraudulent scam and needs to be dealt with before it gets any more out of hand. 
They are committing fraud. 
They are impersonating lawyers. 
They are running a pyramid scheme by trying to get clients to recruit others. 
They also harassed me for reviews, and begged me for family and friend contact information. Which I never provided. 
The have fake 5 star reviews. You have to read the lowest reviews to get the truth of what theyre doing to consumers. 
They have fake websites and looks like fake photos on there websites. 
This company soul purpose is to take advantage of people under false pretenses related to credit repair. This place needs to be investigated and shutdown immediately. There is no telling what other fraudulent practices or activities they are involved in.
Product: Mortgage

Despite showing proof that payment to Freedom Mortgage cleared my bank on time in XX/XX/2020, Freedom Mortgage continues to report my mortgage as delinquent 20 days in XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

I my home was wrongfully taken from me and I have written you all several times
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint and they ignore me and they think they are above the law. Wells Fargo Has violated my rights the truth in lending Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ).

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute Wells Fargo posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
Wells Fargo is {$4400.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$4400.00}? Read their validation letter Does the letter says XXXX high balance? Then it is incorrect! Remove it. 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you XXXX responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you XXXX responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Product: Mortgage

Wells Fargo Bank took money from my checking account and put the money towards the principal. The money was for my mortgage. Now I ca n't pay on time because of the late fees. I paid XXXX
Product: Debt collection

I had XXXX internet service, but then I moved houses and called customer service to see if their service was available in my new area. I was told their service did not cover my area and instructed to return the router. I went to XXXX  directly and returned the router, I also called customer service at that moment. I was told by both the XXXX representative and customer service that my balance was at {$0.00}. A few months passed and XXXX sent my account to collections and made my credit score decrease a lot. I called customer service and a XXXX told me that it was XXXX error and that after returning the router a {$7.00} charge was generated and then increased to {$30.00}. She said that I was not responsible for that charge because I had cancelled the service and returned the router like instructed. The XXXX sent out an email to get my account removed from collection and provided me a confirmation code. She said it would take approximately 24-48 hours to resolve. A week passed and nothing was resolved. I called customer service again and another XXXX told me there is nothing he can do because the account was already in collections. I told him that this was abuse, and that I have never had a late payment in my entire credit history. I also told him that XXXX informed me that my account was at {$0.00} and then they generated a payment of {$7.00} dollars that I never knew existed. Then XXXX sent me to collections and my credit went down a lot. This for me, in addition to being unfair, is a FRAUD.
Product: Credit card or prepaid card

In XXXX  I started receiving collection letter from citi bank, for a account that it was opened with my identity ( stolen identity ) {$10000.00}, the problem was reported and citi bank has conducted a investigation, how ever they have determined that I'm responsible for this account. since then I have been reporting same issue and citi bank still blaming me about this account, sending collection letter, ruining my credit report and life without any possibility to have a good report to keep running y business. the damage has been huge and has impacted tremendously my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps adding balances to my loan account. This is adversely affecting my credit score. I am currently in the process of financing and their frequent updates are detrimental to this process. XXXX  did not have my correct contact information and I was not notified when my loan was taken out of forbearance. 

I took out the loan in XX/XX/XXXX with XXXX XXXX for the amount of {$23000.00}, the school I attended was XXXX XXXX University in XXXX Georgia. XXXX refunded XXXX XXXX XXXX the amount of {$7700.00} on the date of XX/XX/XXXX. Then reducing my balance due to {$15000.00}. XXXX failed to provide me with the paper work showing my reduced loan balance that was due. XXXX failed to provide me with the paper work with my updated reduced interested rate, and they failed to update my account online ( XXXX ) reflecting this change to my account, my account never reflected the reduced balance, nor the reduced interest rate. XXXX has continuously charged me an illegal amount of interest and fees. I had to contact XXXX and provide them with my updated contact info only to be informed that my amount due is {$36000.00}. 

I have been paying on this loan since XX/XX/XXXX- XX/XX/XXXX ( view paperwork it is highlighted ). 
XXXX has been reporting incorrectly to the credit bureaus as FAILURE TO PAY. XXXX has been reporting the incorrect original balance of the loan. 
XXXX has reported the loan as closed/charged- off and has been continuously reporting false, fraudulent, incorrect information. 

Please view the paperwork I have attached. It will show the payment history over the life of the loan to XXXX as well as my credit report that has the incorrect balance and payment history remarks. 

I respectively ask that the dates from XX/XX/XXXX - XX/XX/XXXX be removed and set to current. I also want all loans older than 6 years off of my credit report, as that is more than the SOL ( statute of limitations ) for my state. I request this error be corrected ASAP ( AS SOON AS POSSIBLE ), as XXXX is doing illegal collecting and reporting practices.
Product: Checking or savings account

I had Wells Fargo from XXXX to XXXX and they were consistently charge fees that didnt make sense. They would refund them when they felt it made sense for them but not according to their policies.
Product: Debt collection

I was checking my credit report and found that I have a brand new account in collections from Transworld Systems. There was NO information on this account, it is mostly blank fields and says that I owe {$140.00} to Transworld systems, date opened XX/XX/XXXX. I called the debt collector and spoke to a representative. The lady on the phone told me she had trouble finding the record but after lots of pushing, she told me it was from a company called National grid ( which I do not recognize ) dated originally from XX/XX/XXXX. I told her that I did not recognize the debt and it was also from a different state than I lived in, and lastly that it passed 7 years and I was beyond the statute of limitations regardless and requested a verification of the debt. The representative told me that transworld does not send verifications and that 'the best they can do ' is to ask the original company to send me a verification soon. Its been XXXX weeks and I have not received it. They refuse to validate the debt and they also illegally re-aged my debt and it destroyed my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding inaccuracies and unauthorized inquiries present on my credit report. I believe that my rights, as protected by the Fair Credit Reporting Act ( FCRA ), have been violated by the following creditors : Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXXXXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX, XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Account Issues ( Multiple Violations ) : Creditor : XXXX XXXXccount Number : XXXX Account Issues ( Multiple Violations ) : Creditor : XXXX  Account Number : XXXX These violations directly affect my financial well-being and have caused undue stress and hardship. While I understand that errors can occur, the frequency and severity of these violations have significantly impacted my ability to secure favorable credit terms. This situation has also led to emotional distress and hindered my pursuit of important life goals, such as obtaining a mortgage for a stable home environment. 

I kindly request your intervention to enforce the legal protection afforded to consumers under the FCRA. I urge the creditors mentioned above to investigate and rectify the inaccuracies, unauthorized inquiries, and violations outlined in this letter. Furthermore, I request the removal of the unverified accounts associated with the aforementioned creditors from my credit report. 

I appreciate your prompt attention to this matter and trust that you will ensure that my rights are upheld. Please inform me of the steps you take and the resolution reached. I can be reached at [ your email address ] or [ your phone number ] for any communication related to this dispute. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting

i keep calling equifax about my personal info ion my report.they remove it and put back on other address to my file. 
1.XXXX XXXX ga XXXX 2.XXXX XXXX ca XXXX 3.XXXX XXXX az XXXX
Product: Credit reporting or other personal consumer reports

I have not been able to get a credit report from Transunion. As a result my XXXX XXXX loan was denied. It was also allowing companies to access my credit report without my consent
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and last XXXX of my SSN is XXXX Credit Report # at Experian XXXX XXXX. 

Experian has allowed an alleged creditor named XXXX XXXX to report a fraudulent, illegitimate collections education debt on my credit report in the amount of {$14000.00}. This alleged collections account is a blatant fraud and is seriously damaging my creditworthiness. Moreover, it is causing me great emotional distress because I am currently looking to move and apply for a new house lease but can't because this frivolous account has caused my credit score to plummet almost XXXX points, down to below XXXX FICO score which disqualifies me with many landlords. 

XXXX XXXX does not have an iota of evidence linking me to this debt. The only document they provide evidencing the loan is a " student enrollment agreement '', with incorporated educational loan terms, that was filled out by a third party named " XXXX XXXX '' as the student applicant and signed by the same third party ( XXXX XXXX ). My info and my signature does NOT appear anywhere on the loan documents. It is blatantly obvious that this debt is not mine and Experian 's continued reporting of it is causing me damages. I have refiled a dispute with Experian regarding this account. I advise that Experian block the reporting of this fraudulent account because I am presenting very compelling evidence disputing the alleged creditor 's claim. Experian should err on the side of caution and tell the creditor XXXX XXXX to kick rocks unless he can present clear and compelling evidence and/or a Court order determining that the debt is mine ; which, however, the creditor does not have any such evidence or documentation because he would have already provided it if he did. 

This is a legal demand that Experian cease and desist and/or block the reporting of the frivolous collections account by XXXX XXXX. 

Attached to this email is a letter I have provided to Experian in my re-investigation dispute.
Product: Debt collection

During my attempt to bring my loan current and prevent the amount to do so getting higher than that of the already difficult past due balance I asked a real estate broker for clarification on the information being provided by the servicer of my loan. The broker and I called a representative from BOKF na loss midigation dept that I have been actively working with but I could n't get the same answers to any of the questions that I needed to get answered in order to help save my home. During this conversation the broker started to make statements I was not comfortable with so I asked her to drop off the line and I did not want her help. After the conversation the broker called me and told me her and XXXX XXXX discussed my situation on a separate phone call, I was not present and did not authorize the broker to speak on my behalf or make any Arrangements with XXXX XXXX. I wanted answers to questions ... where do I make my payment, is it okay if I make my payment at the bank or something else that is the surest way to make the payment and be successful. 
By this time I had already attempted to make several payments to bring my loan current but in the end when it came down to making that payment somehow the information I was given was incorrect and delayed the payment. When I missed those payments it made my past due balance another month behind which added another {$850.00} to bring my loan current. It is hard for someone who is not working to come up with large amounts of money in a short period of time not to mention the additional payment which makes it even more difficult to come up with in order to bring my loan current. I do n't understand why someone could n't just tell me the place to make my payment the first time that I needed to make the past due payment. Once my payment was rejected because it was n't the full past due balance after that the other two payments we 're in for the past due amount. If I could n't make my payment the regular way because I was in default why did I not get another option for when I tried to bring my loan current where does the payment go that could have avoided my payment being rejected when I call 24 Hour banking service the man told me that I no longer have that privilege when I spoke with the underwriter who did my loan XXXX why did she tell me that I could make my payment that way after I told her my loan is in default and it is past due. All I wanted to do was bring my loan current and give them money but I could n't because I was not informed of who or where to make these payments that would end successfully with my payment in the hands of the bank. If the loan originator of the bank text messages XXXX XXXX with XXXX and then XXXX has a conversation with the real estate broker without my knowledge without me being on the phone the broker tells me that they just had a conversation about 5 minutes ago that I was not a part of that is not okay
Product: Credit reporting or other personal consumer reports

XXXX Destny Card. The company obtain and used my information without my consent, ther is a hard inquiry and a credit limit of {$700.00} reporting on my XXXX report from Destiny XXXX XXXX with account number ending XXXX. I never applied for a credit card from Destiny and I never used a card from Destiny. therefore I ask that the account and the hard inquiry remove.
Product: Credit card

I recently started monitoring my credit report and noticed theres a capital one card in my name that I didnt authorize or have knowledge of. I also made an account with XXXX XXXX and found out who used my information to obtain credit. I filed an identity theft report too. And I hope yall get him because this is fraud and it aint right because this is messing me up with getting credit. I just began to learn about credit and this happens to me. Its not right. I dont want capital one to think I opened the account myself when I didnt and I dont know how or where this person gotten my information from.