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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported inaccurately and I request that they be removed from my credit report : XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I have carefully reviewed my credit report and have found that these items are not accurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. 

Furthermore, I would like to draw your attention to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive or harassing tactics when attempting to collect a debt. The collection practices of these companies have caused me undue stress and XXXX. 

I request that these items be removed from my credit report as soon as possible. If the items are not removed within the legally required timeframe, I will be forced to take legal action to ensure that my rights under the FCRA and FDCPA are protected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was a first time interested buyer of a car at a dealership called XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX NY XXXX. First red flag was the place of business never picked up any of my phone calls during several days of calling. I was interested in a car I saw posted online. After leaving a voicemail, I was then reached by someone who connected me to a person who worked at the location named " XXXX XXXX '' who eventually made an appointment for me to come into the dealership to view the car I wanted. On XX/XX/XXXX he proceeded to show me the car that was $ XXXX. As it was my first vehicle, I believed it was way over my budget. He showed me a different used XXXX white XXXX priced at $ XXXX. I accepted to purchase the vehicle but as they explained to me the cost of the vehicle will now have to be increased to $ XXXX due to my credit and age. I didn't understand why if my credit wasn't the best, why would the price increase. As a new buyer and a XXXX XXXX XXXX with little to no knowledge about how loans work, after some pressure tactics and convincing I accepted. I wanted to place a {$3000.00} down payment on the vehicle to lower my loan amount. As I will demonstrate on my original receipt that the company hand wrote clearly states the price of the vehicle $ XXXX and also stated down payment of $ XXXX and does not clearly deduct the $ XXXX from the original price. I was told to sign some documents for the loan. Failure on my part was to double check the loan documents as I was so excited to have my first car. After a few days discussing with my parents the ordeal I decided to review the loan documents and realized that not only did they not reduce my down payment from the original price but the loan was financed for more than $ XXXX. I tried calling the dealership many times with no answer. When I was finally able to get in contact with someone, they told me that I had also paid for a mandatory extended warranty which had raised my price. None of which was explained to me prior to signing. I had at that point realized I was deceived and a loan with " Credit Acceptance '' was taken for {$16000.00} with an interest rate of 15.99 %. I now had a payment of {$380.00} a month ( for 66 months ) in addition to a first time driver insurance cost of {$600.00} per month. This has been a monthly cost of {$980.00} for the past 9 months. This is nearly 40 % of my monthly income ( {$2500.00} ). I question this rationale, how did Credit Acceptance approved this car loan? when my monthly income was documented. Who misrepresented the cost of credit here? the dealership or loan company? XXXX XXXX also facilitated the contact with a rep from XXXX XXXX to honor me car insurance. Now after 9 months of struggling to make these payments, I have now decided it was time to report the nightmare this unjust, deceiving, unlawful and unscrupulous selling tactics this company has in place.
Product: Credit reporting or other personal consumer reports

This is a Mortage loan, they started marking late payments in XXXX  due to them not being able to collect escrow, this account was not supposed to be holding escrow since I pay taxes and insurance myself, they have never paid anything for me, my original payment was fixed at XXXX dollars which I had paid for 10 years, in the beginning of 2023 they wanted XXXX a month, I paid off the loan back and got sent back all the escrow they were holding since they never paid any taxes on this property, but my principal and interest was always paid on time.
Product: Debt collection

Upon careful review of my recent credit report, I identified several fraudulent accounts that I did not authorize.
Product: Mortgage

I AM NOT applying for a new mortgage or refinancing an existing one. 
Rocket Mortgage has called me from XXXX 4 to 5 times a day for the last 4 days. They call while i am driving to work, while i am at work and when i get home from work each day. 
I did not request any information or any quotes. I did not apply for or sign up for any programs through them or their affiliates. The number of calls i am receiving on a daily basis is unacceptable.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$820.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This complaint is regarding Countrywide Mortgage, as late as XX/XX/2022 the DOJ re-published the Countrywide Mortgage settlement information, I responded to no avail they referred me to CFPB. I am a victim of Countrywide 's unfair subprime lending practices. 
My address XXXX XXXX XXXX, XXXX, Arizona, XXXX, Acct # XXXX. I was in the process of refinancing my home with XXXX XXXX XXXX XXXXXXXX, because of the explosive adjustable interest rates. But Before my refinancing process completed, Countrywide auctioned my home off. Even though i was in the refinancing process, I didn't miss any of my Mortgage payments. 
XXXX XXXX XXXX XXXX, and I couldn't reach Countrywide Mortgage via phone. The next thing I knew, someone knocked on my door and said they owned my home. I was devastated having lost my husband to a fatal accident only months prior. About 2 months later, I received XXXX checks in the mail, they were dirty with tire prints on them. They were stamped cashed by countrywide. When i inquired about the lawsuit I was told I would hear from the attorneys/admin later, but no one ever followed up with me. I'm hoping for some type of closure. I can send supporting documents upon request. 
Thanks for your support, XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( a ) ( 2 ) ( 1 ) also states that a consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. These late payment and payment history would be considered experiences which is clearly a violation of my right. I have not given any written consent to put anything on my consumer report the law also states that the information got to be XXXX percent accurate. This account was just verified which means its XXXX percent accurate, but how when the credit bureaus ( Transunion, XXXX, XXXX ) all have different account information. The account number is not the same it does not have the same number of numbers. The payment history is not the same, the balance on the account is not the same. The monthly payments are not the same, and the highest balance is not the same. I again ask how this information has been verified while being incorrect. Then the account is being label as a charge-off on my consumer report but how when the IRS states a cancelled debt or a charge-off is taxable income. If they have closed and cancel the debt and filed as income on their end and me to then how can it be income and debt at the same time which again proves this information is inaccurate. I have detailed 8 violations per say the law. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information 15 U.S.C 1681 ( s ) ( 2 ) ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I was sick at the time the account was open. someone who was living there at the time stole my information and open serval accounts under my name i have no knowledge of the accounts including the bank account that was made under my name. i would love to have this removed. 


MIDLAND CREDIT MANAGEMENT XXXX
Product: Debt collection

Bank of America illegally reported credit card debt which was XXXX in XXXX XXXX XXXX XX/XX/XXXX to the IRS as a debt owed in XXXX. I am being threatened by the IRS by way of wage levy, possession sale and other threats for this balance I do not owe. 

Bank of America stated they have no record of any debt of mine. I can not find anyone at the company to correct this matter. 

They have my former XXXX name and an address I lived at in XXXX listed on the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

LV NV funding was charged to my social security number and I did not open the charge
Product: Money transfer, virtual currency, or money service

i reported fraudulent activity that occurred while i was incarcerated of over $ XXXX. clear cut case of fraud with the theive using their own account to move cash from my cashapp account to theirs. provided proof and transaction details and was instantly refunded by my bank, as all records show as stated. impossible for me to make transactions ( in jail ) instead of refund cashapp lied and said they were investigating and cash app closed my account and told me they have no record of account. after speaking with customer service many times, they located account and said they would get back to me. called recently as its been months and they said they give determinations within XXXX  days. now they say denied with no reason or ability to appeal. now they hang up and say i dont exist and they will call me stop calling them in total the bank paid {$2700.00} and cashapp owes me {$9300.00}
Product: Mortgage

Nationstar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX We are writing in order to get some help on a file that we have already filed a CFPB complaint on in the past ( complaint # XXXX ). Getting Nationstar to work on this file without committing what can only be described as servicing fraud has been a real challenge. It is obvious that their ( Nationstar ) only goal has been to garner a 5 % buyers premium ( which they would keep for themselves ) at the expense of the investor that they service for. 

After finally getting Nationstar to counter the original buyer ( all attempts at running the property through their fake auction system failed XXXX a HAFA approval letter was issued, but was not issued per HAFA guidelines ( once again, Nationstar believes that they can make up guidelines that seem to suit them and increase their profits at the expense of their investor, the federal government, the borrower and the community ). We have been attempting to get the letter extended with the proper closing date with no luck. We are now at a point that our buyers lender will have to push out closing on the file for proper TRID disclosure ( something that Nationstar also does not believe applies to anyone especially themselves ). 

Nationstar is now threatening to cancel the short sale and attempting to reapprove the property at a higher value. We are fairly certain that this is in attempts to get the current buyer to cancel so that they can attempt to run the property through their fake auction system .... Once again, to obtain the 5 % buyers premium. Their ( Nationstar ) somewhat dubious activities have been well documented in the XXXX XXXX article that came out last summer and should be well known to the CFPB. These somewhat questionable tactics also bring into question what other XXXX violations have they completed on this file and if they are attempting to obtain money from the XXXX program from the US Treasury Department without actually complying with the program highlights.
Product: Credit card

This is a follow up to another complaint that you were closed out on Goldman Sachs is not provided any evidence to us even though we requested it multiple times for a charge from XXXX XXXX. Every single time we follow dispute. Goldman Sachs says we never provided any evidence and closes our case out in favor of the merchant. We have asked Goldman Sachs XXXX XXXX or XXXX times now how are we supposed to provide evidence of a package not being delivered and or stolen and they just tell us to make a statement and reply and that should suffice every time we have done this. It shows that we never submitted evidence even though weve sent it via email text to chat and over the phone. We would like this to be refunded and handled properly since Goldman Sachs is just sending us in a circle.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off COMENITY WAYFAIR ACCOUNT I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 
XXXX. **Absence of Form XXXX : I was not provided with Form XXXX for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance. 
XXXX. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

Equifax stated they verified certain information on my credit report. I did not received any documentation to inspection so I am requesting an reinvestigation. 

The accounts listed are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged service fees, while my identification was stolen & I'm stranded from my home-state of Nevada. 

XXXX XXXX XXXX from Wells Fargo has put my life in danger by his negligence & ignorance. XXXX XXXX is his supervisor who's has taken more tha. 30 days to resolve my credit issue. 

I open an bank account after Hurricane Harvey, and still no service. XXXX XXXX ( XXXX ), branch manager lied  & said I was banned from their location, which is an lie & has caused more damge in my life.
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 Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, unveriable, and false information consist of an insurance account XXXX XXXXXX/XX/XXXXAccount number ( private ) in the amount of {$330.00}, mobile phone account XXXX XXXX XXXX Account XXXX XXXX XXXX ) in the amount of {$3500.00}, and an apartment rentalXX/XX/XXXX XX/XX/XXXX Account number ( private XXXX XXXX in the amount of {$11000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 and XXXX, as proof from the XXXX 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 or other personal consumer reports

A lots innaccuracy items of information contained in my consumer file. I try to get them a solution and they never answered.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX  BANKRUPTCY DISHCARGED XXXX XXXX XXXX {$120000.00} XXXX  XXXX {$120000.00}