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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX  XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

I requested XXXX form Capital one Account XXXX with the balance of XXXX, the debt written off and placed on credit report
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of and kindly help me to correct these accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Consumer Loan

Leased a vehicle through chrysler capital XX/XX/XXXX. I moved forward with buying out the lease XX/XX/XXXX/XX/XX/XXXX, as my spouse was pregnant and this was the best decision for my family. My spouse and I worked with our credit union to buy out the lease. When the pay off amount was given to my spouse and our lienholdder, they both questioned Chrysler on several phone calls asking if the state sales tax was in fact included in the pay off amount. My spouse and lienholder were advised on three separate phone calls that the sales tax was included in the payoff amount so there was no need to pay the DMV directly. These phone calls are recorded and on record with my current lienholder. 

Fast forward to XX/XX/XXXX - the DMV is not allowing us to re-register my vehicle because the sales tax was not paid. We contacted my lienholder who stated this would 've been paid by Chrysler since the amount was sent in the pay off check to chrysler when the lease was bought out. We contact chrysler who stated they would look into it and get back to us within 72 hours. 10 days later, we still did not hear back, so we called chrysler again. Chrysler stated their procedure state That CA sales tax must be paid to the DMV by the individual. We escalated the call and requested that all calls be pulled as not only myself and wife, but my lienholder was advised the sales tax was included in the pay off amount. Chrysler stated they would research further, but it is not in their policy/procedure. 

My wife is currently out in XXXX leave, as she had a XXXX a few weeks ago. My registration is past due and the DMV is now charging a late fee. With XXXX income for the next few weeks, I am not sure if I can pay this out of pocket. This is a significant expense that I was advised was financed into the loan. 

I 'm not sure if I have a case here, but I 'm desperate to find out what my rights are. I am XXXX military and do not want my command or the military police to suspend my driving privledges on base due to an expired registration.
Product: Debt collection

" Agent '' XXXX XXXX called me at work and threatened to seize all of my assets and remove money from my bank account and If i would not give out my bank information then I needed to retain an attorney, The decision needed to be made today that would impact my life and if I did n't act fast they he would make sure I would be bankrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : Does not provide a way to get a free credit report. 
I have a notice from a bank with questionable information reported by TransUnion -- and they require you join a membership for a fee of {$7.00} to get a credit report. There are no links or information on their website about getting a free report -- whether the annual one or in  response to an event. 
There is no way to effectively content them to request one, either. 

In an effort to get to my report, I tried going to the File a complaint section to dispute something. The text on that form was so exceeding small I was barely able to read it -- and the construction of the site -- miniscule 6 point text crammed into a box with tiny little boxes to enter data -- was designed to ensure no one could actually complete the form. 

I work in XXXX XXXX XXXX -- having worked on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- and I can attest that these are all active executive decisions -- type doesn't just show up unreadable and forms unusable. This is a passive aggressive strategy to discourage and disable people from correcting errors on their credit reports. 

Also -- the forms and websites are in violation of the Americans with Disabilities Act. 

XXXX  : Does not provide a free credit report Although there is a method of requesting the report, once you complete all the information, you get a message that they can't produce it at this time. You're at a dead end, and advised to call customer service. 
I've been on hold with customer service for over an hour. 

XXXX  also offers to provide all 3 agencies ' reports -- but offered no way to do that within the online interface -- so that's just false information.
Product: Credit card

I was misled into applying for PayPay Credit. I did not knowingly or willingly request PayPal Credit. I submitted a {$28.00} payment request through PayPal. Possibly I clicked on some button to confirm payment that coincided with this PayPal Credit inquiry request ; however I believe this to be a misleading and deceptive marketing tactic that was not known to me. I have contacted the company to remove the credit inquiry request, but they are not able ( or willing ) to help. My credit score is negatively impacted by this credit inquiry request for credit. I am hoping that under Dodd-Frank or Consumer Financial Protection regulations that my credit score can be rectified and PayPal Credit punished for these deceptive " automatic '' enrollments.
Product: Credit reporting

I obtained a copy of my annual credit report XX/XX/XXXX. The debt listed below is not on my credit report. I obtained a copy of my credit report from XXXX XXXX on XX/XX/XXXX. My credit report indicates I owe {$35.00} dollars. The debt collector is XXXX. Original creditor is XXXX XXXX XXXX XXXX. I unequivocally do not own {$35.00} dollars. XXXX reported the debt. I am requesting the company remove the inaccurate statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many fraudulent hard inquires listed on my credit reports ( XXXX, XXXX, Equifax ) that I have no knowledge of. The list of inquiries below are in fact unauthorized and some even duplicated, many inquiries also duplicated with duplicated dates. The companies listed below never had any reason or permissible purpose to pull, attain or utilize my personal credit, personal credit information or credit profile/report. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

According to : 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. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I kept getting text messages and voicemails from a place called Lending Points at XXXX saying I was approved for a loan. I didn't apply with them but I did use the lender request sites and figured they were from them. They had my information and was sending me a form to fill out to my email. The agent on the line kept telling me to stay on the line with him and if I have any questions to contact him directly. I started getting red flags because that sounds off. I received the email and before clicking any links in the email. I checked the email address of the sender. The email was a XXXX address and I know that wouldn't be official. The sender was XXXX. I didn't do anything, hung up on the call, marked all the texts and phone calls as spam and came here.
Product: Credit card or prepaid card

Applied for capital one credit card and got accepted. XXXX XXXX saids i did not get accepted and lowered my score when that is not correct. XXXX XXXX saids to contact this site. It gave me a inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved in the XXXX XXXX XXXX in XXXX XXXX nv and the pipes where bad and the toilet was over filling they felt I owed them for the plumbing tried evicting me for not paying for the plumbing bill we went to court the judge ruled in my favor the unit had previous damage before I came and stated I did not owe any money for the damages to the pipes and the apartment reported to the credit company after I moved out 5 months later and put the charges on my credit report
Product: Mortgage

I missed a real estate tax payment in early XXXX. Bank of America ( hereinafter BOA ) paid the real estate taxes and sent me a letter saying they wanted to establish an escrow account for future mortgage payments. When they failed to make the next real estate tax payment by the due date, I paid the taxes on XX/XX/XXXX to prevent them from coming delinquent. Shortly thereafter BOA wrote to me claiming that I owed them the amount of the tax payment. I wrote to BOA on XX/XX/XXXX to explain what happened and to ask them to correct their records. Their answer was unsatisfactory so I wrote to them again on XX/XX/XXXX and sent them a check for the amount I owed them ( {$10000.00} ) After several e-mails nothing was resolved. I continued to make my mortgage payments ( XXXX ) along with the amount of escrow for real estate taxes that I had calculated. I received several phone calls from BOA attempting to collect the amounts that I did not owe them. I referred the caller to the correspondence I had with BOA, to no avail. 
Finally on XX/XX/XXXX, I personally went to the closest BOA branch and met with a Ms. XXXX XXXX and explained the problem to her. She asked me for copies of the previous correspondence and my cancelled check in payment of the disputed amount, which I provided to her. Sometime shortly after that meeting she called me and said that she had talked to their mortgage people and that everything should be sorted out in a timely manner. She also stated, which I now know to be false, that none of this dispute had been reported to any credit reporting authority. 
Since then I have received multiple phone calls from BOA and each time I have referred the caller to MsXXXX XXXX so they could find out what happened. I even provided the caller with her phone number. Finally on or about XX/XX/XXXX I received yet another phone call from a BOA employee that called herself XXXX, and I yet again referred the caller to Ms. XXXX for clarification. 
In the interim I purchased a new vehicle and I was surprised to learn that the interest rate on my auto loan was much higher than I anticipated. When I checked my credit report I discovered that, contrary to MsXXXX XXXX statements, BOA had been reporting every payment since the original correspondence as a overdue to all of the major credit reporting corporations. 
I have recently received two letters from BOA. One telling me that the amount of the escrow payments now due with each payment is exactly the amount the I had calculated and that I have been paying. The other letter informed me that BOA was selling my mortgage and that a new payment processing company would be getting in contact with me.
Product: Credit card

I went to get money off of my Bank of America card, I should have had over {$16000.00} on it. They said someone in Texas used it at an atm and took all the money. I live in XXXX. I have tried for several months and they will just give me a generic, we have multiple factors saying you used the card. They send no proof, only the places where the money came out. They sent a new card to someone in XXXX. I do not live or know anyone that lives in XXXX. Please help me get my money
Product: Credit card

Recently my reachback interest was waived on XX/XX/XXXX and PayPal/Synchrony sent me a refund check on XX/XX/XXXX. The amount in question is {$1100.00} and the note said it was for Waived Interest Charges. I proceeded to cash the check. 

However, on XX/XX/XXXX they charged that same amount back to me! Why would they refund my interest only to recharge me?!!! This has put me in a bind financially and it is not right!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX XXXX regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date XXXX inquiry XXXX XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My boyfriend used my debit card when he signed up for Lexington Law while I was at work without my approval. Upon my noticing the fees taken from my account on XX/XX/2021, we called Lexington Law to inform them that he did not have permission to use my bank account. They did refund the money. Lexington Law was informed not to use my card again and my boyfriend also canceled the services at this time. 

From this date through XX/XX/2021, Lexington Law has continued to take charges out of my account ; the dates and monetary amounts are listed below. We again called Lexington Law on XX/XX/2021, questioning why they continue to take money from my account when he had canceled this, and they were aware that I did not authorize payments to be charged to my account. We were told they would look into it and return a call to us within three days. On XX/XX/2021, we called Lexington Law when we did not hear back. During this call, we were placed on hold several times as Lexington Law still had not addressed any of our concerns that they had promised to call us to discuss. Eventually we were told they would reverse {$120.00} for XXXX only and no other money would be returned even if though they were aware of the unauthorized use of the card. 

Email address issues continue to keep us ill informed of his status with this company and their refusalto close the accout. My boyfriend was unaware that the services were still being charged from my account as he never received emails from the company. His email adedress is continously mispelled so he has had no contact with the company about the services still being charged. On XX/XX/2021, he did correct his email spelling with the representative, yet again on XX/XX/2021, his email was spelled incorrectly again. He now has requested a copy of the transactions on his account and was told it takes 3-5 business days for the email to arrive. 

Because in XX/XX/2021, they were made aware that the card used for their services was not their clients and was used without the card owner 's approval, I find it appalling that they would continue to charge the account. It is on his file, XX/XX/2021, that this was an unauthorized use of his girlfriend 's bankcard, so money was returned, yet they continue to take the money every month since this date. 

Unauthorized charges that were taken from Lexington Law XX/XX/2021 {$120.00} XX/XX/2021 {$19.00} XX/XX/2021 XXXX {$120.00} was reversed back to my account due to me not authorizing the purchase, so they agreed to return the money and close the account. Regardless the fees did continue to be charged to me in the following withdrawals : XX/XX/2021 {$110.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$19.00}
Product: Mortgage

To whom this may concern, last year of XXXX I applied for the Forbearance program and I got approved. I was told after completing the program that payments will be added to the end of the loan. I spoke an associates back in XXXX, and I was informed they will send documents for me to sign and Notarized then send back and it should take XXXX days. I started making my regular payment of XX/XX/XXXX. I have not missed a payment yet. I continued to call every month to find out the status of the Documents and no one seems to know whats going on. I requested to speak to a supervisor multiple times but instead I got hung up on. Other times I was told a Supervisor will be calling me back and still have not got a call back yet. I am exhausted and frustrated.
Product: Debt collection

On XX/XX/2022 I sent One Main Financial a debt validation letter in which it was ignored. This is my second attempt at getting this debt validated and each and every question needs to be answered or this account need to be close and removed from my credit reports immediately.
Product: Mortgage

My mortgage payment for the year XXXX was {$1500.00} a month. This amount covered principal, interest and escrow. In XX/XX/XXXX our mortgage company Mr. Cooper ( XXXX XXXX XXXX XXXX. XXXX, TX. ) sent me a check for {$2800.00} for escrow overage and adjusted our XXXX payment to {$1300.00}. At this time Mr. Cooper new that the escrow account would be shorted in the amount of {$1900.00}. As of XX/XX/XXXX Mr. Cooper sent me a bill requesting additional payment of {$3100.00} for escrow shortage. Without this payment in full they change the monthly mortgage payment to {$1800.00}. I made a payment in XXXX of {$1700.00} to the escrow account expecting my monthly mortgage payment to be readjusted. I received my XXXX bill in the amount of {$1800.00}. I called Mr. Cooper asking why my mortgage payment wasnt readjusted and was told that because I didnt pay the {$3100.00} in full that they would not readjust the mortgage payment. Because of this manipulation I am now expected to pay a mortgage that not only exceeds my original mortgage, I am paying in excess on the escrow. 
In calculating my payments toward escrow, I to date have a balance of {$2900.00}. The target needed for escrow by the end of XXXX is {$5400.00}. With the mortgage payment at {$1800.00} minus principal and interest I am now paying {$710.00} a month toward the escrow account. Multiplying {$710.00} time 10 months comes to {$7100.00}, on top of the {$2900.00} now totals {$10000.00}. 
In addition, I also paid over $ XXXX against the principal payment in XXXX, decreasing the interest payment approximately {$110.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, i had rightfully disputed this XXXX account in year 2018 in which it was agreed upon and blocked as well as removed in 2018. Today this same account shows up on the credit report again. This is harassment and i am requesting that this account be removed permanently. 

XXXX XXXX  XXXX XXXX XXXX
Product: Student loan

2 payments were missed, XX/XX/XXXX and XX/XX/2019. The payments were supposed to be directly debited from my parents account after the initial payment in XX/XX/2019. Once the error was corrected, the loan has been paid automatically on time ever since.
Product: Debt collection

Transunion mentioned that they investigated the information from XXXX XXXX   that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX, XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.