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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TRANSUNION. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TRANSUNION has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX. XXXX XXXX XXXX Date XX/XX/2021 ;
Product: Credit card

In XXXX I opened XXXX XXXX XXXX XXXXXXXX credit card account with Omaha First National Bank of Omaha. On XX/XX/XXXX I received an email statement from Omaha First National Bank that the statement is available with an outstanding balance of XXXX $ and due date is XX/XX/XXXX. 
On XX/XX/XXXX I logged in to my Omaha First National Bank account to pay off the balance, but I realised that all the information was missing and that I was unable to pay off the balance. Then I remembered that I received an email on XX/XX/XXXX to activate a new card, which I didn't even request and considered a scam. 

When I reviewed it, I noticed it is from XXXX XXXX, a bank that was not known to me, nor did I ever have business with it but shares the same name as Best Western Rewards card that I have with Omaha First National Bank of Omaha.

Omaha First National Bank of Omaha transferred all my personal information, including my social security number, account balance, and checking account details, to XXXX XXXX. I didn't consent to this, nor I permitted to do it. XXXX XXXX is not holding my personal information without my consent. This caused fear, stress, and anxiety attacks because I was unable to access the account, not I was not able to pay off my balance. After several attempts to reach XXXX XXXX, I was able to talk with customer service when they told me to provide my checking account to pay off the balance. I also realised that they hold all my information, including my social security number, because they have asked me to confirm it for security purposes. When asked to delete all the data, they told me they can not do that. 

They didn't provide options to pay the transferred balance with a credit card or debit card, so I needed to provide them my checking account to pay off the balance and avoid late penalty fees. I never received the statement from XXXX. 
It is specifically distressing to know that my personal information was shared and transferred without my consent or any notification. XXXX XXXX issued and opened a new account in my name that I didn't even apply for or agreed to.
Product: Credit reporting or other personal consumer reports

There is inquiry shown on my credit report that I didn't give consent to, nor did I agree for anyone to us my personal information from XXXX XXXX XXXX XXXX inquiry date XX/XX/year>, XXXX XXXX XXXX XXXX inquiry date XX/XX/year>, XXXX inquiry date XX/XX/year> again I did not authorize nor consent to any of these companies and it needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was closed after depositing a check and funds were never received. I never got my money chase didnt even send my check back I been without my funds for months
Product: Mortgage

LOANDEPOT.COM, LLC owes me {$1200.00}. I refinanced my mortgage with LOANDEPOT.COM, XXXX. I locked 2.375 % with {$5500.00} in lender credits, as shown in the loan estimate. LOANDEPOT.COM, LLC took a long time to complete the refinance, which was not my fault in any way. At closing, LOANDEPOT.COM, LLC reduced my lender credits by {$1200.00} to {$4200.00}, as shown in the closing disclosure. LOANDEPOT.COM, LLC refused to restore my lender credits to {$5500.00}.
Product: Vehicle loan or lease

I am a military spouse, my wife joined the XXXX in XX/XX/XXXX and is currently serving on XXXX XXXX. I purchased a motorcycle in XX/XX/XXXX. Harley Davidson has denied me a lower rate under the scra and MLA. I have multiple emails from XXXX I have sent in my wife 's orders, the scra and MLA and I have been denied. I have also sent them every letter from other agencies showing they have provided me benefits under both the scra and MLA. 

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

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Debt collection

This company is claiming to be " XXXX XXXX XXXX '' and calls from a XXXX and leaves a call back number of XXXX. It is a recorded message from a XXXX XXXX. They claim they are trying to collect on my Balance credit account, which I am paying another company on. They tell me the other company has no right to collect that account and they are a legal company and they won't send me a notice of debt as they are not a debt collector, but they'd be happy to make payment arrangements on this debt. They have called me and my family numerous times and told them they are going to sue me and I'm going to be served at work with my manager present. I have called Balance credit and they have told me the company I am currently paying is the correct company. I have asked the " XXXX XXXX XXXX '' to stop calling me and my family but they continue to call. The lady today was extremely rude and told me she'd see me in court when I asked her to stop calling and again told her another company was taking care of this matter. I offered her their phone number and she refused. They call me daily and leave me the same recorded message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Late Close XXXX  XXXX XXXX {$0.00} Collection XXXX XXXX XXXX  ( Original Creditor : 09 XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}
Product: Debt collection

USAA has repeatedly sent correspondence and called my estranged husband regarding my credit card account. They 've informed him that the account is delinquent, that they are going to charge it off, the amount of the debt, etc. my husband has never been listed on my account with USAA. He 's n ot even listed as a reference. I have never received any correspondence at his personal   XXXX   XXXX     where  they continue to send mail to. They have stopped sending it to me and send it to his   XXXX   XXXX   addressed to me. I fell behind in payments and have tried to work with them to defer payments and work on a payment plan and they have denied me. So I stopped paying them so they would be more willing to work with me.   I have never given them permission to speak to my husband and he has never made a payment on the account.
Product: Mortgage

The Loan was acquired by Ocwen mortgage from GMAC. The original Mortgage agreement was 180 payments of {$920.00} after that a Balloon note was due in the amount of {$88000.00} on XXXX/XXXX/XXXX. Being that we were a Victim of Predatory Lending we asked that the balloon payment in the amount of {$88000.00} be put in a loan. Instead of doing that, OCWEN offered a Loan Modification ( HAMP ) in the amount of {$110000.00}. When asked to explain the difference they continually say the fees for none payment, escrow fees, etc. This was not an Escrow Loan but, one was opened. They told us they were n't accepting payments but, asked that 3 payment of {$720.00} be made for a modification to be approved, which were paid. They sent a letter stating the modification was approved and sent loan documents that they wanted us to sign. The loan documents were in the amount of {$110000.00} with a balloon payment attached in XXXX of course, we refused to sign because the numbers did n't match. Now they denied the modification based on the fact the paperwork was n't signed and returned but, they failed to return the {$2100.00} ( 3 payments of {$720.00} ) paid for the months of XXXX, XXXX & XXXX XXXX. A IRS form XXXX was received for the tax year of XXXX from OCWEN in the amount of {$15000.00} ( TOTALLY INACCURATE ) because NO PAYMENTS were made in XXXX other than the amount of XXXX that was requested for the modification which later they denied. 
On XXXX/XXXX/XXXX a check made payable to OCWEN LOAN SERVICING in the amount of {$16000.00} for Principal Payments and {$1800.00} for Interest payments was distributed by a bankruptcy trustee this amount is unaccounted for. We have money orders that were cashed and made payable to OCWEN Loan Servicing with are not reflected on the statement or on the print out provided ( {$8300.00} ). We 've requested several explanations of where the money was allocated over time they acquired the loan no response, requested that the Escrow be closed because in the original terms of the loan the Homeowner pays all Real Estate Taxes and Insurance no response, we have a Suspense and Forbearance Credit of {$5200.00} which we have requested an explanation of and/or return that amount no response. 
We have tried to refinance the balloon amount of {$88000.00} but, we can not get a true and corrected payoff, Ocwen has not reported to any of the XXXX Credit Bureaus and we can not show 24 months of consistent payments because none have been accepted. I have advised OCWEN on several occasions that this account will be reported to the authorities if this matter is n't corrected in timely manner.
Product: Student loan

I received a collection letter stating I owed {$3700.00} for a student loan, school name was not on the letter and Im sure I didnt attend any school in 2001 ... this collection is not mine and my sis is being used ... what can I do to prevent my SS # and name from being used?
Product: Debt collection

I reached out to 90-day credit back in XX/XX/2023. They have not complied with anything on the contract. Then told that I am not paying a company ( XXXX XXXX ) paying XXXX a month that they are in bed with. I had no idea that I had to pay this company as well. I have been paying 90-day credit for 5 months {$150.00} a month ), and I have sent them emails, made phone calls, and left messages. They have not done anything that their contract has stated. I refused to pay them another dime, so I blocked them from my credit card, and they sent me a message stating : Hi XXXX XXXX, this is 90 Day Credit Experts. We were recently notified by your bank you disputed our payments. We will be sending your bank the contracts you signed to reverse the disputed payments. Your account will be sent to a 3rd party collections agency and legal efforts will be made to collect the debt. You will receive a letter in the mail within 30 days if you have any questions contact the number on the letter.

I have not received a letter or a phone number, this was an email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX And all 3 credit bureaus is showing student loans by XXXX  that are currently on deferment and that at some point in the past I was not aware that the loans had become due. No letter was forwarded to me till I notice on my report it shows late payments for 120 days. Currently my loans had been in deferment since XXXX and they still showing a negative mark that the 3 credit reports refused to fix. I also have a debt from accounts that had been satisfied by XXXX and still showing negative. I also had a loan by regional acceptance which has been satisfied since XXXX and still showing on my credit report as negative. A collection from XXXX incorrect amount and incorrect information because I was not aware of the insurance debt with the general insurance. All this items should not be in my credit report. Falsely damaging my credit and servicer as well as the 3 reporting bureau refused to remove it. I need your help. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Karma has willfully violated the Fair Credit Reporting Act & other lending laws
Product: Checking or savings account

Citibank blocked my and my wifes ( all joint accounts ) debit card without prior notice on XX/XX/2023 at around XXXX. When we called Citibank, they said that our accounts ( checking and saving ) are being closed by Citi and I need to go to branch to address the problem. At the XXXX XXXX, IL branch on XX/XX/2023 at around XXXX, I wasnt given explanation but was told that the accounts are blocked and I cant access the funds. After begging them on my knees, they allowed me to obtain a cashier check for XXXX so I can pay bills and my small children have roof and food in their stomach. When I asked for cashier check for the rest, they declined. 

Later the same day I spoke with my relationship manager ( XX/XX/2023 at around XXXX ). He told me the same about my accounts and told me that the easiest way for me to obtain funds is to close my account and take the funds to another bank. I went to the XXXX, IL branch immediately where I was told that my account is locked and there is nothing that they can do about it ( XX/XX/2023 XXXX ). They gave me a number to call and asked me to leave without funds as they wanted to close even though it was prior to the closing time per their signage. 

I called the number given ( XX/XX/2023 XXXX ), it redirected me to another number where I was told that only by debit card was locked and I should be able to access my funds without any problems. She also stated that I should be able to just access my funds at the branch, that there should be no reason whatsoever. 

Unfortunately, every time I speak to someone from Citibank, I receive a different response, conflicting information and no resolution. All I want is to close my accounts and safely move my funds to a different financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXXout of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.
Product: Consumer Loan

My bank had approved me for a car loan and I went with a company who said they would take over the responsibility and roll my payment for Wells Fargo into my new loan with their company. I had the car quite some time before they asked me for more information needed to close the deal and the car and had paid several payments. The deal ended up falling through because the money that my bank approved me for was not enough for what they were asking for the car. I paid on time and thought they were paying on time. I have been marked late multiple times after I have sent paper work showing them the loan my bank had approved me for and how I was doing business with the other company, that took over responsibility for paying my loan. I take pride in paying my bills on time and have disputed information they have reported and instead of looking at the timely payments I 've made in the last two years and seeing something had to have transpired and looking more depth into what has happened they keep brushing it under the rug and not trying to see how they can help resolve the issue. As soon as the loan fell through I took back over the payments and paid the account off in which that is what shows at this time. Not to mention Wells Fargo started trying to charge for some type of card I never had with them and for some reason they could never find information on when asked.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the following companies to run my credit. I have several hard inquiries on my credit report due to identity theft. I would like them all deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child Support is being reported on my credit report like it is a loan. I did not receive any money from XXXX XXXX XXXX so why is it being reported as a loan. There are already state services that can be revoked by not paying child support. That is there jurisdiction. Credit is not.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX, I visited a website robozaps.com from a XXXX search related to reviews and specifications for different for robots. From a link there we paid a {$250.00} deposit to XXXX XXXX in XXXX XXXX CA for XXXX XXXX XXXX XXXX XXXX. XXXX was made using our corporate XXXX credit card, using XXXX virtual account information. We received follow up emails from XXXX. From that email, we received an invoice from XXXX XXXX XXXX to make a payment of {$60000.00}. We decided to make the payment by wire transfer so we could also confirm recipient information with our bank, XXXX Bank XXXX XXXX XXXX XXXX, MA XXXX. The wire transfer was made on XXXX XXXX, beneficiary was XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX. Beneficiary bank was XXXX Wells Fargo Bank, XXXX Georgia XXXX XXXX XXXX, XXXX GA XXXX. A few weeks later I had visited a XXXX car dealership, they had a XXXX robot on display and I asked the salesperson about it. The salesperson indicated that XXXX was not having any presale or currently selling any robots yet. The salesperson advised me to report the transaction as a scam, we reported it to XXXX and to XXXX Bank. We did try reaching out to XXXX though available phone numbers and listed emails and were not able to contact anyone. XXXX immediately stopped the payment and reached out to XXXX XXXX that we reported the transaction as a scam. XXXX Bank reached out to Wells Fargo and were told that there we no funds available to recapture and Wells Fargo would not confirm that the recipient of the funds was indeed XXXX XXXX Wells Fargo XXXX no provide any additional information.
Product: Credit reporting or other personal consumer reports

Attached is a letter from Transuion and a letter of dispute of all the violations and concerns that is alarming!! Transunion in the letter stated their investigation is completed from previous dispute. Disputed information still continue to be an issue and not documented. The disputes are XXXX XXXX XXXX XXXX XXXX XXXX account and 2 XXXX XXXX account. Pleas address IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX, XXXX, and Transunion. As a consumer I know that I have rights. I informed each bureau to remove all late payments that the bureaus are reporting on each account. XXXX opened XX/XX/XXXX, XXXX XXXX-opened XX/XX/XXXX, XXXX  XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. According to 15 USC XXXX, reporting late payments is illegal. The law states that a consumer report does not include transactions or experiences between the consumer ( individual ) or the person ( company ) making the report. Payment history and/or payment status is considered transactions. My experience is considered the line of credit, utilization. According to the FCRA, I have the right to an accurate and fair consumer report. XXXX, XXXX, and Transunion are nonaffiliated third parties. My consumer rights have been violated. The credit agencies did not notify me of an investigation or that remove any of the illegal information on my consumer report. I want all late payments removed. With that said, according to 15 USC 1681n, states that a monetary remedy of {$1000.00} should be paid to me ( consumer ) for each violation.
Product: Debt collection

I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.