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

Dear XXXX, XXXX, Equifax I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/1995 MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. Please send me a new report when you are completed so I may continue to verify its accuracy. Best Regards, XXXX XXXX
Product: Mortgage

The escrow amount being required for the upcoming year was not aligned with the amount of taxes or insurance which will be owed. I asked that the escrow be removed from my account. I was told to pay the current shortage of {$520.00} which I did on XX/XX/2023. 

The company experienced a data breach which resulted in the website being completely taken down and phone calls were extremely difficult and sometime just not answered. 

After too many calls to count, the issue is still not resolved. I was told to wait 5 business days which it has been as of today. No resolution has been made and I have not been contacted by anyone from LakeView or XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to report inaccurate information on my credit report from XXXX XXXX, account number beginning with XXXX. The report incorrectly lists late payments on this account. I have consistently made my payments on time and have never missed a due date. I previously disputed these inaccurate late payments with the credit bureau Transunion, but their investigation was unsatisfactory. In order to substantiate my claim. I request that this inaccurate information be completely removed from my credit report, as it is negatively impacting my credit score.
Product: Debt collection

I was a part of a data breach which resulted in my information being stolen and used. Since it was a data breach for the company I worked for their legal team handled all prosecutions. I am attaching all documents related to this case.
Product: Credit reporting or other personal consumer reports

There are two hard inquiries in my report that do not belong to me. I dont have those accounts.
Product: Money transfer, virtual currency, or money service

I setup a venmo account to use to deposit into my XXXX account on XX/XX/2023. A few days later after winning money on XXXX, I had requested to get my winnings through venmo. I went to redeposit on another sportsbook with those winnings and then all of a sudden my account was locked. They said for verification purposes please submit your ID etc. I did that and then they said after further review they are closing my account and they are going to hold my funds for up to 180 days for charge back reasons. I have {$8500.00} in that account that they are going to hold for over 6 months. I dont care about the account at all I just want my money which belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received mail from Transunion. They now have two different files for me with the same date of birth and social security number but two separate names. I had a legal name change on XX/XX/2023. My legal name is XXXX XXXX XXXX but transunion is using my old legal name ( XXXX XXXX XXXX ) for my credit report and now they are using my new legal name on a different credit report. This is absolutely ridiculous. I have sent them the court documents and my new Driver license and my new social security card and yet they remain incompetent to handle this and update my information. This needs to be handled right away. I now have two separate cases open on this company. Every time I call I have to wait hours to speak to someone and not one person knows what they are talking about. I did finally speak to one lady her name is XXXX XXXX and she is the supervisor for customer service with the XXXX department. However, the issue seems to be getting worse since now I have two credit files open because they are incompetent.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Above inquiries appeared on all three consumer credit reporting agencies ( XXXX, XXXX and Transunion ) XXXX 

With the exception of XXXX ( I have both an auto loan and consumer credit card with them. ), I do not have an account nor have ever applied for credit from any of the above creditors. I contacted XXXX ( XXXX ) to inquire why all of these hard inquiries are on my consumer reports. They stated that they were applications for their business credit card. I informed them that I did not apply for their business credit card and to please remove the inquiries. Any applications are fraudulent especially with such frequency. XXXX said they would look into the matter and would make a determination within 60 to 90 days. I asked them for a letter stating this fact so I could forward it to the credit reporting agencies and hopefully expedite the process of removing the inquiries. They said they could not furnish me with a letter. The same situation exists with XXXX XXXX. I contacted XXXX XXXX XXXX  and they stated that they have no record of me applying for any of their credit products however, a hard inquiry is present on all three reporting agencies. They too said they could not furnish me a letter since I don't have an account and have never applied for one. I have contacted each of the consumer credit reporting agencies multiple times by phone as well as sent letters via USPS and via fax ; disputing the validity of these hard inquiries. In addition, I initiated an internal online XXXX dispute dated XXXX Confirmation number : XXXX which resulted in XXXX " verifying '' the inquiries except for the XXXX ( XXXX ). The XXXX inquiries were removed from XXXX. XXXX also put a fraud notice on my account and mailed me a notice of such as well as informing the other reporting agencies about the fraud notice. I'd like to know how XXXX can verify some accounts and not the others. Such as the XXXX XXXX bank which admits they don't even have an application or account on file but XXXX and the others " verify '' the inquiry. I have demanded that each consumer credit reporting agency give me PROOF of their so called " verification '' and not one has ever done that or even responded to my letters. 

I have also sent letters via USPS directly to the creditors demanding that they take action to correct the problem or be subject to legal action.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the inaccuracies being reporting to XXXX, XXXX and XXXX credit bureaus. SELF_LEAD BANK is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
SELF_LEAD BANK inaccurate reporting has damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something The information being reported for this account does not match between the XXXX agencies, and the discrepancies are as follow
Product: Credit card

I purchased XXXX notebooks from XXXX on XXXX XXXX, 2015 for ~ {$16.00} and that charge was on my card. Five days later, while I was at work, there was {$280.00} transaction from the same XXXX on the same card I used previously. I caught this transaction that I did not authorize the same day it happened and called Bank of America to submit a dispute. I was informed I could not submit a dispute until the transaction was no longer pending. In the mean time, I called XXXX XXXX to see if I could figure out more information. I could not. I called Bank of America immediately when the charge was no longer pending to make a dispute. I was informed that because XXXX said my actual card was swiped that Bank of America could open an investigation, but that the charge would stay on my account. They refused to give me the benefit of the doubt during a very lengthy investigation period of 2-3 months. Meanwhile, they advised me to not pay they charge and let interest accrue and IF the dispute came back in my favor, they would excuse the charge and pay back the interest accrued. Lastly, I had to ask if I would get a new card because fraud was committed with my card ( this was not suggested by Bank of America even though I told them I had an unauthorized charge ) and I was informed to monitor my card, but that a new card was not necessary at that time. I felt this was misleading and poor advice and called back later to order a new card. It took 10 days to receive. The investigation is ongoing.
Product: Credit reporting or other personal consumer reports

My bank provides a free service to check my credit report. When I checked the report, a notice alert said my home address was changed to a place in XXXX, Michigan. I live in Arizona for the past XXXX years. My son, XXXX, whom mI no longer have contact with also changed his name to my name, indicating I am XXXX XXXX XXXX. I am XXXX XXXX XXXX. He lives in that city and state for the last few years. I need this addressed and prosecuted.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked, to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

In XX/XX/XXXX I leased a XXXX XXXX XXXX thru XXXX XXXX XXXX program ( XXXX XXXX XXXX ). I was making weekly payments of approximately {$150.00}. 

At the end of XXXX XXXX XXXX XXXX went out of business. The existing lease contracts and vehicles of XXXX XXXX XXXX program was purchased by XXXX XXXX XXXX. I kept making payments to the XXXX XXXX XXXX. I kept the car until XX/XX/XXXX and I had never missed a payment. I made all the payments on time and had no complaints from both of those companies. I returned the car at the end of lease agreement and paid the final bill. I've never received any notice from them after returning the car. 

Besides that, I kept doing business with XXXX XXXX XXXX and leased 2 more cars in the following 2 years. I used each of them for approximately 1 year and returned them without any problem as well. Everything was fine up until I get this notice from a collection company called " Receivables Management Partners ( RPM ) ''. 

RPM claims that I owed XXXX XXXX XXXX {$720.00}. I explained them that I didn't owe anything but they asked me to get a proof that I don't owe XXXX XXXX XXXX any money. Both XXXX XXXX XXXX and XXXX XXXX XXXX have ceased their operations long time ago. Therefore, I can not get in touch with any of those companies and ask for a proof. 

The debt that RPM claims to belong to me, has never been requested from me by the companies that I allegedly owe. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX contacted me about a debt.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the recent repossession of my vehicle and the inaccurate reporting of the outstanding amount by the finance company. 

The vehicle in question, XXXX  XXXX XXXX XXXX XXXX was repossessed by Bridgecrest. Following the repossession, I promptly contacted the finance company to settle the outstanding balance. I can confirm that the vehicle has been sold, and the payment has been made in full, in accordance with the terms of the loan agreement. 

Despite the successful resolution, I have noticed that the finance company continues to report an inaccurate amount to the credit bureaus. This discrepancy is causing a negative impact on my credit score and financial standing. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the reported information accurately reflects the resolution of the account. I have attached relevant documents, including proof of payment and the sale of the vehicle, for your reference. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will work to rectify the reporting discrepancy, allowing for a fair representation of my credit history. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland Credit management is suing me for an allege debt from 2019. I requested validation of alleged debt and received documents mentioned below :. 

Midland Credit Management mailed XXXX XXXX XXXX and Assignment which didn't mention account number nor amount of allege debt. The document ( Bill of Sale Assignment ) states that a master purchase and sale agreement was reached between bank, department XXXX XXXX bank and BUYER. 

Exhibit A to XXXX XXXX XXXX states " The individual accounts transferred are described in the final electronic file named " XXXX '' delivered by the bank to BUYER ( no mention of XXXX being the buyer ). 

XXXX also mailed statements for alleged debt with inaccurate interest amounts and billing cycles ( copies attached ). I printed a copy of my XX/XX/2019 credit report thru XXXX and the information is not the same as what Midland Credit is reporting ( Copies attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has repeatedly reported my auto loan as late although I have made the payments on time. What I have not paid - and repeatedly asked XXXX to waive - are about {$1500.00} in late charges. XXXX  is reportedly me late - unbeknowst to me - because if these late charges and not because of late payments. My account has been paid on time for the past 24 months.
Product: Mortgage

Without full disclosure, American Financial Network ( AFN ) converted my promissory note for a mortgage into a hypothecated security then sold it forward, destroying the original note. Per UCC 3-309 and UCC 3-418 ( d ) they have refused to provide or prove up the securitized note. This is a type of fraud.

Further, AFN has refused multiple times to return the fraudulently stolen promissory note of issuers in an unaltered, original condition to disprove securities were liquidized without original creditors consent which is securities theft ( 18 USC 3301 and 1348 ).

Further, per UCC 8-102, UCC 3-305 , UCC 3-306, and UCC 3-105, when AFN securitized said note to sell it forward to Planet Home Lending ( PHL ), a debt collector, to satisfy the mortgage, no taxes were paid on the gain of that secondary issue ( the mortgage as a security future ) by either AFN or XXXX. This is tax evasion and tax fraud. Further, AFN has filed a 1099a with the IRS claiming my security interests in the promissory note were abandoned, without providing a copy to me, despite the fact I did not abandon it. 

Further, XXXX and XXXX are committing multiple types of fraud in representing multiple specie of currency as XXXX type on the promissory note, defrauding myself and the XXXX XXXX XXXX XXXX XXXX ) who is also a party to the mortgage note instrument sold forward as a hypothecated security. However, in the documentation provided to the VA, the specie of currency was correctly listed in a USD $ format, in all other places of the promissory note they noted the amounts to be paid using the XXXX XXXX symbol for Mexican Pesos ( $ ) without adding " USD $ '' before it. 

Further, additional fraud was committed by XXXX in that a " loan was provided '' but they've refused to provide a receipt for said loan to determine whether the loan received was a loan of the credit of XXXX or OTHER LENDERS, or a loan of money, as described in the National Currency Act, sections 27, 28, and 53. Refusal to provide this documentation is indicative of fraud.

Per 12 CFR 226.32 and 16 CFR 433.2, AFN refused to include necessary legal notices on the mortgage note instrument. Failing to do so, by law, constitutes unfair and deceptive practices in consumer lending, defrauding myself and the XXXX Further, without permission or a court order allowing them to, they fraudulently sold personal identifiable information ( in violation of 16 CFR 02 ) to PHL , who was also defrauded by AFN for refusing to include this necessary legal verbiage which allows seller to sue.

Further, in opposition to and in direct controversy with multiple State laws in California and Tennessee, as well as a violation of the Sale of Goods Act, and, without full disclosure, agents of XXXX XXXX ( Seller ) were at the time of the generation of the promissory note, also agents of AFN.
Product: Checking or savings account

I recently opened a checking account with US Bank. My first deposit was significant. I am accustomed to making online payments of bills through Bill Pay. On XX/XX/XXXX, I sent three online payments to two financial institutions to pay off credit cards. The date given for delivery was XX/XX/XXXX. As the funds were still in my account as of XX/XX/XXXX, I contacted the bank and found that they had for some reason sent checks to these financial institutions and the payments are hanging in limbo. The 800 clerk said she didn't know how they could be mailed as they had no address!!!! 

This is totally unacceptable. Payments to individuals could understandably be made by check but certainly not financial institutions. 

I am unable to find a phone number other than a general 800 number. Corporations should not be allowed to hide behind an 800 number! I deserve to talk to someone that can complete my transactions instead of having funds in limbo!