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

Only submitted application for business auto credt application for XXXX XXXX XXXX. Was told credit will not be run as a guarantor. Bank violated ctedit inquiry by send my social security number to several banks without my consent and violated FTC law and deceptive business practices.
Product: Mortgage

i owed about 2yrs max left on loan.. i signed a 30yr contract and gave them XXXX plus first mortage payment for heartman ship contract..went to court two days later and judge said my house was already sold. when not even went inside my house to inspect it.. sheriff was at my house within hrs and gave me 10mins to collect my stuff.. i was behind bc i just lost my father and my mom was gettting to many XXXX plus i just had a kid and move to florida to be with him.. my first month payment back i told them to to fly a kite.. lost everything the house my dad died in and his great mother stuff plus my greatdad flag and medals from the world.. and whole house full stuff.. i didnt contact a attroney bc just move away from son in flordia and lost dad and house..plus took the last of money and me and mother and sister and bf and thier kid ur homeless overnight..plus they give would give me a copy of they new contract ask several times..
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 needed to pay. 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 anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$610.00} ; XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance {$31000.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX these appeared on my credit report by XXXX XXXX which, XXXX XXXX was removed from my report and all of these stayed on, I did not authorize or talk to these company at all for any financing so please remove them from my credit report as well. Lately I have had a lot of companies jumping on my credit report without and authorization from me. All of these companies appeared on my account the same day XXXX the XXXX XXXX XXXX XXXX XXXX XXXXONSUMER PORTFOLIO SERVI XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX, 2017, I sent a letter asking TransUnion to remove several inquiries because I did not recall authorizing them. They sent a letter back denying my request.
Product: Mortgage

I started a inquiry online regarding a Rr-fi on our existing mortgage with Quicken Loans. I was then contacted via phone to proceed with the process. I informed them that my main goal was to obtain cash with the re-fi for debt consolidation etc. after going through the processes of sending them my financial information, income debt etc. I was called back and told via the phone that they could provide us the requested amount XXXX, lower our interest and lower our payment as well. I gave a verbal approval to continue. I was told that I needed to pay for the APPRAISAL which would be XXXX ( and we did ) The appraisal process was quick and came in at the amount that the preliminary numbers would need to be able to have enough difference to give us the cash etc. We signed the online forms to get the process to progress. When I reviewed the forms online, I saw that the cash was only going to be XXXX and not XXXX I sent a email the Representative that was handling my account and he quickly called me back. My email was asking if we are only getting XXXX. During the phone call, he mentioned that no everything is looking ok and we will be getting the money. After waiting over a week and a half, I checked online and now the money I would receive was only XXXX?? I called, the customer service to verify what I would receive and I was told that Yes the XXXX is all you would be getting. I emailed and called 2 different numbers with my contact and NEVER received a reply. I submitted a complaint online. The next day, we received a call from someone else that stated " maybe we can look for another title company to save you some money to get the amount closer to your request. Several days later, we received a phone call from another person that stated our loan has a MAX of XXXX  cash available and NEVER would be possible to get XXXX with that type of loan!! I was extremely disappointed and upset. I requested him to pull the tapes on the phone calls to see that I was being told LIES. He stated they would pull the tapes and review the issue but was continuing to tell me that there is no way we could get XXXX. It has now been 4 business days ( he said it would only take a day or so ) and I have heard nothing again. I checked online again and now the cash is down to XXXX!!!!! I feel that all of the processes that this company ( Quicken Loans ). is deceptive. I am NOT a banker and I have to rely on the company to be honest with me etc. I also noticed that the XXXX was NOT for the appraisal as mentioned but for the XXXX earnest money! They NEVER told me that the XXXX was for earnest money!! This is still a on going issue and I am seeking help on this PLEASE! I feel that their practices are VERY deceptive, dishonest and in my opinion could be illegal!
Product: Debt collection

I Checked my credit report and seen this debt on there. They never reached out to me or notified me of the debt i tried to contact company its in collections and now this negative impact is stopping me from getting a mortgage because of this. A Hospital bill that I'm not even aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report.. Once I received the response the credit bureaus had already closed out my dispute. I provided them with an ID Theft report also that I would like them to include. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX   XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Also the inquiries on my Police Report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and and my rights as consumer.
Product: Debt collection

On XX/XX/2017 I found myself ill and in need of care. I attempted to receive care at the XXXX quick clinic in XXXX at XXXX and XXXX in XXXX XXXX. 

The provider on duty dismissed me as having a XXXX without even examining me. A short time later I had to seek emergency care because I didnt receive care the fist time ... in fact my XXXX XXXX XXXX, which the XXXX would have been seen had I only been examined. XXXX then had the audacity it charge my insurance over {$150.00} for not even examining me. I have tried reaching out multiple times to XXXX to resolve my complaint and the debt ; most recently speaking with XXXX in the provider complaints department. 

She assured me the clinic administrator would call me. That was three weeks ago. I have now been turned over to collections ( XXXX XXXX XXXX. ) even though I have tried disputing the debt twice with XXXX billing department and have attempted to speak to XXXX   to resolve my complaint and the debt numerous times in the last several months. 

Billing said someone would reach out after I placed the dispute on the account, but no one ever did. On top of speaking with the billing department I have attempted to contact XXXX   via email, XXXX and even their main number. 

Please help.
Product: Checking or savings account

I apply to Citi Bank saving account on XX/XX/XXXX and get rejection letter in couple of days. I give a call to number provided in the letter ( XXXX ) and was explain that further verification required. After spending couple of hours on the phone : providing all info requested and signing documents via XXXX, I was explained that my application accepted. I received a pin code for new debit card on XX/XX/XXXX ( and expected debit card in a couple of days ). Today, I received another rejection letter ( reason : unable to verify information, file number XXXX ). I give a call to XXXX XXXX  again ( XXXX, fraud protection team ) and was explain that application could be ONLY PROCESSED in the branch office!!! 

Customers should be explained that account could be opened ONLY in the CITY BRANCH OFFICES ( why then they have a button apply online / and phone number to create new accounts )?
Product: Debt collection

A company called Aspen Financial Direct reported a loan that I NEVER took out. They have 0 proof of me taking out the loan and on top of that, they have multiple reviews from other people reporting the same thing. This site needs to be shut down. They are stealing from people and selling loans to debt collectors that people never took out. I never got any money from Aspen. I never signed any documents with them. I never took out a loan with Aspen. The company sold this loan to a debt collector named XXXX XXXX XXXX. This is affecting my credit as it showed up on my credit report in collections. I NEVER took out this loan. I don't have dates and times because I never worked with Aspen but XXXX XXXX XXXX who bought the debt from Aspen and should also get in trouble for not reviewing Aspen before buying this debt ( especially with so many similar complaints out there about Aspen ), they list XX/XX/XXXX  as when this hit collections on my credit report. The amount they say I owe is {$4100.00}. I need this removed from collections but the credit bureau is not being thorough with their dispute investigations. Please help.
Product: Credit reporting or other personal consumer reports

Ive contacted Experian multiple times via phone, mail and email to request a copy of my credit report. It shows that it has not been updated since XX/XX/2023. Ive verified all my information with them and they still have not given me a reason why they can not provide a report. I was told they checked with the other credit reporting agencies and everything is accurate and I still have not been given a credit report and score from Experian.
Product: Credit reporting or other personal consumer reports

I sent a complaint on XXXX requesting that fraudulent inaccurate accounts be removed from my credit report and i have not yet heard back from anyone regarding the status of deleting them from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unveriable, and false information consist of a personal loanaccount XXXX XXXX XXXX XXXX account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX, Account Number : XXXX ; and Account Name : XXXX, Account Number : XXXX Reason : pls verify and validate all data for these accounts, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Credit card

Kohls sent me a letter informing me my account was now transferred to Capital one with no changes, etc. 

However, twice ive had to put in my phone number for KOHLS to give me my Kohls cash- this is inconvenient. I will not be putting my phone number or ss # in a public location and did NOT have to do this with my KOHLS card. 

Im thinking class action as now kohls has pawned off their credit section of their business and we the consumers are jumping through extra hoops for our rewards...
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently 2 negative accounts on me Experian Credit report. 

XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. 

I have disputed these accounts twice. Both times experian has verified these accounts via the XXXX electronic system. This is not a reasonable and thorough investigation. I have called experian multiple times and they have told me that they only verify accounts using the XXXX system. By FCRA laws Experian is not allowed to " parrot '' the information from creditors and they are not allowed to shift the burden to the consumer, which they have done by telling me to contact the consumer and ask for documentation and account verification. However I have called both of these creditors and on several occasions I was told they have no documentation or contracts regarding these accounts. I asked for something in writing stating this and I was told that I was on a recorded line and that was sufficient enough. 

How could either of these accounts be legally verified if I can call the creditor and they tell me that they have no documentation.
Product: Debt collection

Credit acceptance sent me court papers stating i owe them XXXX and stating they was going to go take it from my wages. I voluntarily turned in vehicle around XX/XX/year> and then they tried around XX/XX/year> to take me to court. I feel like they adding extra fees and it's not the correct amount since they sold the vehicle.
Product: Checking or savings account

i was scammed on XX/XX/22 to transfer {$1000.00} to a scammer through XXXX. I was under the impression i was posting a bond payment, but it turned out that it was a scam. I did contact my bank USAA right after I realized i was a victim of scam, but they are refusing to refund the amount. some of the facts : - amount {$1000.00} - i did not transfer funds willingly as i was scammed/coerced to do so- i did attempt to retrieve the funds through my bank USAA, but they refuse to do so
Product: Mortgage

WELLS FARGO APPROVED A MODIFICATION ON MY PROPERTY, I DID AGREE ON ALL NEW TERMS & CONDITIONS. A MOBIL NOTARY WAS ASSIGNED TO ME, TO NOTARIZE AND EXECUTED THE MODIFICATION ON XX/XX/2018. A FEW WEEKS AFTER ANOTHER MODIFICATION PACKAGE ARRIVED AT MY PROPERTY INCLUDING ADDITIONAL DOCUMENTS TO BE SIGN, IN FRONT OF A NOTARY AND RETURN. THIS NEW DOCUMENTS INCLUDED, A ASSIGNMENT OF RENT RIDER.I DID NOT SIGN THE NEW DOCUMENT BECAUSE WERE ADDED AFTER THE FACT, OF SIGNING ALL REQUIRED DOCUMENTS.ALSO THIS DOCUMENT BENEFITS THE BANK ONLY AND NOT MY SELF. THE WAY WELLS FARGO IS CONDUCTING BUSINESS CREATES A MISREPRESENTATION BY MAKING FALSE REPRESENTATION.BREACHING A CONTRACT BETWEEN CLIENT AND LENDER.THEY HAVE TO BE RESPONSIBLE FOR ANY MISTAKES MADE BY THEIR REPRESENTATIVES AND EMPLOYEES.
Product: Debt collection

I have on various occasions reached out to this company and also disputed the charges via the credit bureaus. Have send proof of my identity, my signature even proof of police report clearly stating my list of personal property that was lost, which included my license, ss and various credit cards. This company sent me what is supposedly a contract signed by me which is not even my signature but my name handwritten and with the purchase made out of the state of NY in some other state I have no connections with.I have requested for proof and information and have been completely ignored and told in a very rude matter that it was investigated by the company and the charges are mine without them sending me any proof as ask.
Product: Mortgage

Hsbc informed me that they sent encrypted and password protected disks which included, which included all of my personal information of me and my co-signer XXXX XXXX XXXX to an unauthorized commercial third party. My identity has just been stolen and XXXX of dollars were withdrawn out of XXXX of my debit cards. i called and complained to Hsbc and all they do is put me on hold and never return. All their offering is a bogus identity guard protection after the fact. I attempted to apply for this guard abd its too complicated abd their requesting many documents to be sent to them in order to activate me its too complicated and time consuming. Can you help me i fear that i may lose every thing because of their negligence.