23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Claim against XXXX XXXX ( the world 's 36th-largest financial services company ), and its partner XXXX XXXX who have been sued and settled for insurance underwriting of homes and residential subprime mortgages loans. I secured my high interest loan from in XXXX. I have not been able to pay off my home that I have lived in since XXXX. I build the home on property my Dad ( a military XXXX XXXX XXXX  veteran ) bought in XXXX. I had a lost my saving and retirement due to caring for a very sick loved one from XXXX to XXXX. During that time I refinance my home and lost my job in XXXX. I have applied for various loam modification to reduced the high interest and help finish paying off mortgage. The company who services the loan for XXXX and is Ocwen. The give me wrong phone numbers an miss information. I have tried to work with them but I am not sure is they even read my complaint or work with my loan modification request. I am paying over 9.80 % on the loan. I was at {$25000.00} owing when I lost my job again in XX/XX/XXXX. I am trying to reestablish but they do not negotiate, and provide me with a list of HUD contacts that do not exist. I have complain before and they send me the same coined response without answering any of my question. I very behind on payments and do not want to lose house. I want a forebearance and they do not work with me. I want a lower interest and they do not work with me. I am filling this in hope of getting a resolutions and not a the same generic letter they send everyone. I also am very concern with your approach you do not look into violations but take what every the bank provides, I have not received help from either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still many inaccurately reported items. Have disputed this multiple times. The inaccurate information violates my rights under FCRA. Please see proof of most recent report and inaccurate items with red check, between Experian and XXXX. Delete immediately.
Product: Credit card

I credit card in my name was open at Capital One. I have never set up an account at Capital One either. Charges in the XXXX and XXXX have been made and it came in my email. Over the last week ( XXXX ). I have tried to contact Capital One but I sit in a wait room for awhile and no I can not speak to a person representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was compromised and Equifax took their time and notifying me. 

Previously my life was ruined because someone stole my identity .... Which is why I had Equifax in the first place. 

They had a breach and dis not notify their clients. That is wrong.
Product: Checking or savings account

I purchased a game from a website online. The game was fake when it arrived. The payment was made through the website by providing me debit card. When I looked at the statement it said XXXX XXXX. I never used XXXX XXXX  and dont have an account registered with them. The individual set up a fake website to collect my information and made these charges through them. This was a scam that was done to many people. I went to the police station and filed a report for the unauthorized transaction and the use of my information and for sending out fake games. The claim was denied when it should not have been because I didnt authorize any XXXX XXXX transactions and dont have it and this is obviously a scam.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Back on XXXX XXXX, and there after I've sent letters disputing Incorrect personal information contained on my XXXX credit profile. I have not received nothing but Stall letters from XXXX stating that they need to be sure its me disputing these items According, as per FCRA, you were required to conduct a reasonable reinvestigation and delete the disputed information as I requested before the end of the 30-day period. I HAVE BEEN A FRAUD VICTIM OF FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. THIS ALERT started XXXX. I've sent multiple letters asking them to reinvestigate these accounts listed below that are reporting inaccurate. 


Clearly, they have willfully, failed to delete the disputed information as I have requested [ XXXX XXXX Collection/Chargeoff Account # XXXX ] XXXX personal information. This account is not accurate and should be deleted. 

[ American Express Company XXXX Account XXXX XXXX ] Incorrect personal information. This account is not accurate and should be deleted [ American Express Company XXXX Account XXXX XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ American Express Company XXXX Account XXXX XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX. Collection/Chargeoff Account # XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX. Collection/Chargeoff Account # XXXX ] XXXX date is not reported correctly. The amount reported is not accurate. This account is not accurate and should be deleted I have reported this information to XXXX and have not received a response back. 



Incorrect information on my report Sub-issue : Account information incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$84.00} XXXX  XXXX Balance : {$84.00} XXXX  XXXX Balance : {$770.00} XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX of 2020 capital one restricted my account stating that I need to submit a SSA form. I complied and submitted a form. I was told they would reach out with an update within 7-10 business days. They never reached out. I contacted them and they stated that I need a SSA form from the AU on my account. I stated to them that to my knowledge I have no AU on my account and maybe someone might have had access to my account and I was not made aware. They did not seem to care and insisted that if I dont have an AU I need to submit a copy of my own social and drivers license. I submitted a copy of my drivers license and social. They did not contact me yet once again I contacted them and they stated they are waiting for a response from the case owner. The case owner in this matter has never once reached out to me regarding this matter. I contacted them a few days later and they said that although I submitted all documents required it does not matter and I have to somehow submit documents for an AU that I was never aware of. I was recently laid off due to COVID-19 and now I have two restricted credit cards that I am being restricted from using when I have done all the due diligence has a costumer and I also have to continue paying for these credit cards. It seems like no one has the answers to resolving this matter and this is really becoming frustrated and emotionally draining during these trying times. Its clear I might have been a victim of fraud somehow I am being treated otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me I have been going back and forth with the credit bureau and nothing has been happening I have opened a FTC report and still nothing I need to know why this is still on my credit report if it does not belong to me. 
XXXX  XXXX  - Acct # XXXX XXXX {$0.00}
Product: Debt collection

I filed an original complain to remove this derogatory mark on XX/XX/XXXX. In the response to that claim XXXX XXXX, XXXX stated that the debt that does belong to me. XXXX XXXX, XXXX also stated that they send and the mail to me which I never received. My last name is spelled incorrectly and the last 4 digits of the phone number listed are not the digits for any member of my family plan. 

My payment history with XXXX is included below to showcase that over the past year my balances were always paid off in full, including the payment in XX/XX/XXXX. 

I have spoken with a XXXX representative XXXX ( XXXX ) @ XXXX who assured me that my account is in good standing and has no issues at all and prompted anyone questioning it to contact him directly for references purposes, in order to confirm my statement. I've attached XXXX ( XXXX ) @ XXXX email
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from this company, indicating that my account had been closed. THEY closed it, based on an internal review, which included my credit score to determine my credit worthiness. Based on this review, they decided to close my account. This account has been inactive, but had a XXXX balance. This seems punitive, given that the account was paid, and when active, paid on time with no delinquencies. This does have an impact on my credit score/utilization. Contacted the creditor to resolve the issue, and they were unhelpful.
Product: Vehicle loan or lease

I am experiencing trouble with Hyundai Capital America, and in particular with my Kia Finance account. Within the last 2 years I have opened up lease agreements with this company for XXXX XXXX model year vehicles. I received a letter from them in XXXX of XXXX informing me that I had an outstanding balance against both of the vehicles that I have leased with them, due to taxes levied by my state. I have no issue with this, this is expected in the case of a lease. This was the first notice I received because both vehicles are set up with AutoPay so I do not check their website regularly. Within 48 hours of receiving the notice in the mail, I logged into my Kia Finance account and attempted to initiate payment. I thought I was all set and the payment was due to be processed. Then, to my surprise I received another letter in XXXX of XXXX informing me that both vehicles still had an outstanding balance. Apparently on the first attempt, both payments failed to process, I believe because of issues with their web portal. When I attempt to log into the web portal now I have something like a 30 % success rate using a standard XXXX PC and a Chrome browser, which is not the performance I would expect from such a large company. In any case, I logged back into my web portal in XXXX of XXXX, saw that it was indeed reporting a balance, so I scheduled payments for both vehicles again. In this case, it would appear that payment for only XXXX vehicle was processed The next communication I received in XX/XX/XXXX was from the collections department telling me I was delinquent and that the delinquency had already been reported to the agencies. I checked on the account, contacted customer service and had them process payment over the phone. I then checked on my autopay status, saw that it claims autopay will pay the " Amount Due '' and brought that up as a complaint with them. I also sent a letter to their dispute department and the process was not followed as described on the phone. 

I submitted the above complaint to the XXXX and was contacted by Hyundai Finance America and told that this is just how their payment system works. I maintain that if it is represented on the website that I will be charged the amount due, then there should be no issues with delinquent payments. If they want to change the language on their website then in the future people might not be in the same situation I was in.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
Public Record from a Bankruptcy XXXX XXXXXXXX on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 
XXXX XXXX from a Bankruptcy XXXX XXXXpetition filed on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a XXXX XXXX  account open for 5 years that was paid off and never removed. I would like it removed from my credit reports please.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not my accounts. Please remove them. I am not a credit repair company nor am I a mortgage company.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : Account Number : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Date fraud began : Date that I discovered it : FTC Report Number : XXXX Total fraudulent amount : {$750.00} Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$3400.00} Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$3000.00} Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$35000.00} please correct the late payment on XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified of a credit inquiry through citi for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit monitoring service XXXX. 

On XX/XX/XXXX I received a letter in mail regarding the application from citi, which the name on the application does not accurately reflect my drivers license. 

I have never applied for nor authorized an XXXX XXXX XXXX points plus XXXX. I have no business with XXXX XXXX XXXX. 

On XXXX I contacted my credit monitoring service for assistance and they helped me setup a fraud alert. We also tried no less than XXXX different numbers to contact Citi. None could help. XXXX citi very own XXXX department! They sent us back to an automated application line and we never got to a live person. 

So XX/XX/XXXX I called into XXXX to file a dispute. They responded back on XX/XX/XXXX claiming Citi verified the inquiry was accurate with no details ( no contact phone # for Citi nor any supporting information ). 

Citi bank and XXXX  have not done an adequate job resolving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

LAURENS FINANCIAL IS REPORTING REPOSSESS AND FULL BALANCE WITH THE CAR THEY NEVER POSSESSED ... ... ... I owned a car purchased through XXXX XXXX XXXX paid off.i took a loan for XXXX I made two on time payments then the transmission went out and it was no longer reliable.i was going to continue to pay my loan monthly but they said I had to still keep insurance on the car which was XXXX and still make loan payments in which I couldn't afford to having to get another car.so I told them come get the car and they did.its been a year now and they said they haven't sold car but have the full loan amount on my credit report 1691 and they have the car.they putting it as a repossession on my credit report even it was my car paid for.i didn't finance a car from them only a loan of XXXX using as a collateral.i don't under stand how they reporting full balance and they have the car.its was my car from start so no repossession went on.i thought them getting the car would clear loan but it show full balance and repossession on my report in which it was my car all along before loan.so they never had car you can't repossess when you never possessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Navy Federal account # XXXX has violated my rights. 

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

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

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The month that is in violation is 10/21
Product: Debt collection

Weber & Associates has sent a second collection notice dated XX/XX/XXXX for a medical bill that was paid on XX/XX/XXXX. An e-mail was sent on XX/XX/XXXX after the first notice stating the  medical bill had been paid. They have ignored that e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my social security number XXXX XXXX year of birth. Equifax confirmation number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX. My complaint is that on my credit report their any account that not mine that creditor is XXXX XXXX XXXX XXXX that account number is XXXX XXXX XXXX XXXX is a fraud account that. Should of been remove off my credit file and it 's still showing please talk to Equifax consumer affair dept to have that fraud account remove, and also I told them that I had hard fraud inqiluires on my credit file there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries and XXXX and Equifax XXXX inquires and XXXX XXXX all these are fraud and they also refuse to remove them .please talk to Equifax thank you
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$320.00} XXXX  XXXX {$490.00} XXXX  XXXX {$5500.00} XXXX XXXX {$700.00} XXXX XXXX {$1000.00}
Product: Debt collection

company is trying to collect a debt for a bill i was never notified of that was a medical bill covered by insurance my insurance didnt pay for for some reason i was never sent anything or called untill after it was delinquent and as it is the only item on my report it has completely ruined my credit and i cant get a car or an apartment or a card or a loan and its turned my life upside down
Product: Credit reporting or other personal consumer reports

I am a survivor of debt bondage, a type of XXXX XXXX  where I was compelled into accruing debts in coercive circumstances. This has resulted in several negative marks on my credit report. Currently, I am being supported by a representative from the XXXX XXXX, an organization committed to aiding survivors of human trafficking. We are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove detrimental information associated with trafficking upon the filing of an official claim.
Product: Bank account or service

On XX/XX/XXXX I deposited a check for XXXX in my Wells Fargo Bank account.
The Maker of the check was XXXX and the check was drawn on XXXX.
Wells Fargo Bank put a 10 DAY HOLD ON THE FUNDS so I called Customer Service at the bank and was told REFER TO MAKER. XXXX, the maker, said there was NO REASON FOR THE HOLD. I believe Wells Fargo Bank ILLEGALLY HELD MY FUNDS.