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

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b Transunion also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX was notified the same as Transunion. 
FCRA section 611 ( a ) ( 1 ) ( a )
Product: Vehicle loan or lease

Dear Sir or Madam, I am writing regarding the financing records for my vehicle purchased on XX/XX/year>. I have a copy of the purchase contract from the now-closed dealership, which states the following : Purchase Price : {$14000.00} Additional Charge for XXXX  Coverage : {$850.00} However, the contract does not include the {$2000.00} down payment that I provided at the time of purchase. Despite this, your records show a financed amount of {$18000.00}, which does not appear to reflect my down payment or match the totals outlined in my contract. 

I respectfully request the following : XXXX. A detailed, written breakdown of how the financed amount of {$18000.00} was calculated. 
XXXX. Clarification on how the {$2000.00} down payment was applied to the purchase, given that it is not reflected in the copy of the contract that I have received. 
XXXX. An itemized list of any additional fees, taxes, or charges included in the financing. 

I have enclosed copies of the purchase contract and documentation verifying my down payment. Please respond in writing within XXXX business days from the date of this letter. If I do not receive a satisfactory explanation or correction, I may consider further steps, including filing a complaint with the appropriate regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my credit report.
Product: Checking or savings account

I purchased XXXX XXXX gift cards for {$500.00} each, total {$2000.00}. When they went to be redeemed, we were told they were already redeemed. I texted and went back to XXXX right away and they agreed they were no good. I filed a claim with Wells Fargo for fraud since the branch told me I am FDIC insured. But a week later Wells Fargo denied my claim because I purchased the gift cards and it wasnt their mistake. Based on all the research I have done, fraud for products not being what is expected is covered by my bank. Thank you for your help, as a single mom i really need this money back asap
Product: Debt collection

Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly quite a few years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week Tired of the attitudes
Product: Mortgage

Hello, A couple of months ago, I received a letter from the state seeking past due property taxes be paid. This would be taxes that I signed to have paid through escrow. When Loancare purchased my loan, they were not including that amount in my monthly mortgage statement. I have thrown away the dates and operator numbers when I was under the impression that this issue was corrected in XXXX 2017. I called 4 times. I have sent documentation from my closing agreement that my property taxes would be paid through escrow and each time I called, i was promised that I would receive a call back from a manager with a resolve. No manager ever called me. On the XX/XX/XXXX call, I  demanded to speak with a manager immediately and only then a manager moved the amount that had been paid toward additional principal payment was reversed and applied toward my taxes and was told that moving forward the issue would be corrected. The XX/XX/XXXX statement showed that the reverses were made and monies were applied to the taxes. I have just received my XX/XX/XXXXmortgage statement and it is still not corrected. I 'm not certain why I have to beg a company to do something that was supposed to be done when they first purchased my loan. Please help. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of a data breach and identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have all fraudulent information removed from my credit file.

The following accounts have been fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$250.00} XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$760.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$6000.00} XXXX  - Account # XXXX - Opened : XX/XX/XXXX - {$25000.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$17000.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$230.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$590.00} Fraudulent Inquiries : 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 or other personal consumer reports

Equifax once again lied and has lied over and over. I have requested you government to abolish all 3 credit comoanies since all are not reliable and have collected unequal and inaccurate information. Some are ruined and were not able to buy a house or car or whatseoever. It is all because of reporting abuses. In this case, you will see both letters are from Equifax. On same date. But both have different scores. That is why I suggest you to abolish those companies for they have done nothing but misled many companies and businesses that deal with customers who worked hard to reach something greater. The score faked by the Equifax company, see for yourself here in the pictures.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX, XXXX, XXXX, XXXX XXXX, COMENITY BANK XXXX XXXX regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX, COMENITY BANK XXXX that I do not recognize.
Product: Credit reporting or other personal consumer reports

I formally request for the removal of unknown inquiry from my credit report, which areisinaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the item listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent item are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the unknown inquiry associated with the mentioned item, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the unknown inquiry immediately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15usc1681 the credit reporting company failed to abide by 15usc1681 and therefore I want these inquiries and accounts deleted.
Product: Payday loan, title loan, or personal loan

I cant pay lost job due to covid -19 they keep over drafted I cant to it please cancel this Dept No Job no money Im struggling day and night a fight to stay warm Please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX & XXXX & XXXX - are reporting on my credit file in error. I would like to see proof or signed verification. I have disputed them a couple times now with no response back.
Product: Checking or savings account

On XX/XX/XXXX, I paid online from my Chase checking account to my XXXX XXXX XXXX loan account. 

XXXX XXXX researched and tracked the payment based on a copy of the payment from the Chase bank I provided. Ultimately, XXXX XXXX indicated they did not receive the payment ( See attached letter ). I contacted Chase Bank in XX/XX/XXXX, and Chase Bank responded that they sent the payment to XXXX XXXX ; however, XXXX XXXX provided a letter to me on XX/XX/XXXX that they still needed to receive the payment on XX/XX/XXXX. I uploaded a copy of the letter from XXXX XXXX to Chase Bank and have yet to hear from Chase. 

Please explain what happened to the {$800.00} payment on the XXXX XXXX personal loan on XX/XX/XXXX. The Chase Bank Statement and a copy of the payment from Chase are attached.
Product: Mortgage

I am a XXXX XXXX XXXX XXXX  XXXX XXXX veteran who currently has a VA Fixed Mortgage which is serviced by Planet Home Lending. This complaint is with Planet Home Lending 's handling of the escrow account which is a part of this mortgage. 

On XX/XX/XXXX an escrow analysis was conducted which showed an estimated shortage of {$1200.00}, resulting in a {$100.00} expected increase in monthly payments to cover the shortage set to begin XX/XX/XXXX. This shortage amount was calculated based off the estimate that the remaining property taxes owed for the year were in the amount of {$3400.00}, when in fact the remainder due at the time of the escrow analysis was only {$2300.00}, resulting in an over calculation of {$1100.00} on the part of Planet Home Lending. ( Sect B, Item 2 of Escrow Analysis Statement ) Planet Home Lending has an estimated escrow balance of {$1800.00} for the current month of XXXX ( according to escrow analysis done on XX/XX/XXXX ), when in reality according to the XXXX statement dated XXXX, my escrow balance is currently {$3000.00}, the difference being {$1100.00}. ( Table 2 of Escrow Analysis Statement ) This over-calculation resulted in the miscalculation of future escrow  requirements which is the main reason for this complaint. I will attach the escrow analysis statement and the current county tax record reflecting all of these figures, and showing the obvious miscalculation. Planet Home Lending has an estimated escrow balance of {$1800.00} for the current month of XXXX   However, according to the XXXX statement dated XXXX, my escrow balance is currently {$3000.00} the difference being {$1100.00}. ( Mortgage Statement for XX/XX/XXXX ) I attempted to contact Planet Home Lending to resolve this issue and after waiting on hold for an hour I was connected with a Customer Service Representative who could not comprehend what I have explained in the above paragraph. 

In addition to the issues above, a {$110.00} late fee has been charged to my county tax account for the late payment of my taxes. Taxes for XXXX County, OH are due XX/XX/XXXX for the second half of the previous year. According to Planet Home Lending 's records, a payment of {$2300.00} was issued out of my escrow account on XX/XX/XXXX. According to the county records the payment was not posted to my tax account until XX/XX/XXXX. I do have recourse I can take with the county in order to have this fee waived, but in order to have the fee waived I need Planet Home Lending to prove the funds were received by the county before the due date. I attempted to communicate this to the Customer Service Representative I spoke with, but was told repeatedly that it was between me and the county tax office and that Planet Home Lending could do nothing to assist me with it. 

Any assistance the CFPB can offer with this is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter that my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.
Product: Debt collection

Have received a call asking I renew auto-debit for student loans in XXXX, once every day for weeks, with no information provided about how to cease the calls.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Removal of Inaccurate and Unverified Negative Items RE : Credit Report Dispute Report # XXXX ( Experian ), [ Insert XXXX Report # if known ] To Whom It May Concern : I am writing to formally dispute the following inaccurate, incomplete, and unverified negative items on my credit report under Section 611 of the Fair Credit Reporting Act ( FCRA ). These items have not been properly investigated despite previous disputes, and their continued reporting violates my rights under the FCRA. 

As you are aware, Experian/XXXX  is currently subject to litigation for failing to investigate disputes in good faith. I demand the immediate removal of the following items, as they are either erroneous, outdated, or lack sufficient verification : Disputed Accounts XXXX XXXX XXXXXXXX ( Account # XXXX ) Alleged Debt : {$280.00} ( Opened XX/XX/XXXX ) Basis for Dispute : This collection account is inaccurately reported as past due as of XX/XX/XXXX. I have no record of this debt, and your agency has failed to provide validation of the original creditor ( listed as " XXXX '' ) or proof of ownership. 

XXXX XXXX  XXXX ( Account # XXXX ) Alleged Debt : {$160000.00} ( Joint mortgage, opened XX/XX/XXXX ) Basis for Dispute : The payment history inaccurately shows past-due status and foreclosure proceedings. This account was modified under a federal government plan, and the reporting does not reflect the updated terms. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Charge-Off : {$16000.00} ( Opened XX/XX/XXXX ) Basis for Dispute : This account is fraudulently reported as " charged off '' through XXXX despite being closed in XXXX. The payment history is fabricated, and no validation has been provided. 

DEPT OF EDUCATIONXXXX XXXX Account # XXXX ) Alleged Debt : {$2900.00} ( Opened XX/XX/XXXX ) Basis for Dispute : This account inaccurately reports a 90-day delinquency in XXXX. Payment records show consistent on-time payments since XXXX, and the balance does not reflect recent adjustments under federal student loan programs. 

XXXX XXXX XXXX  ( Account # XXXX ) Auto Loan : Closed XX/XX/XXXX Basis for Dispute : The payment history falsely lists multiple 30/60-day delinquencies. This account was paid in full and closed with no late payments.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I have been fighting to have this off from my credit report, I had done disputes in my credit report and then I had won, they had stated CNAC is being deleted from your credit report and then it also States how they can not reappear onto your credit report again, yet they have. It was a few months after it was deleted it reappeared a few months later. I have then tried to figure out where to go And report because I have the email from The investigation from the credit reporting with all This information about it being deleted and not being put back on. Its illegal. And Im going to everywhere everywhere to make sure they are doing what they are supposed to and deleting it off my credit. Its even more than 7 years too!
Product: Credit reporting or other personal consumer reports

I never did business with any of these companies : RE : 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible Purposes of consumer reports, I never gave these companies Any written consent to report anything on my consumer report. As a consumer, by law these accounts must be deleted immediately or I will seek monetary damages in small claims court in my city and state.
Product: Checking or savings account

Went to open an account at Bank of Texas was told I had an account in 2010 that I did not have.
Product: Debt collection

I asked them in my previous letter to process a debt validation on this unknown alleged debt but they fail to provide any results. Therefore, I insist that they should delete this from their reord.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Product: Checking or savings account

on XX/XX/year> there is a charge of {$5700.00} charged on XXXX/XXXX/202. i contacted my bank, bank of america right away and reported it as fraud because this is an unauthorized charge. the bank filed a dispute claim for it and advised me to reach out to the merchant in the meantime which i did. the merchant XXXX sent me to their fraud headquarters department where they did a full investigation and emailed me back a letter stating that they were not able to locate this charge in their system and they advised me to reach out to my bank. i called my bank and supplied them with the letter that i received from XXXX. about 4 days later the bank mailed me out a letter saying that there was nothing they can do for me. i explained to them that this seems to be a breach that was reported during that time and that even my debit card was replaced during that time. they did confirm there was a breach during that time and still went on to say that there was nothing they can do for me. i have a personal and business accounts with this bank and have been a member with them for a long time. they are supposed to ensure my money and refund any breached funds or problems on my account. i am reaching out to your company for help. this was a large amount of money and i work very hard for my money. please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND EQUIFAX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Student loan

I have been on deferment since I have obtained my student loans. My loans were never late because I am on deferment. 

The loans have been reported incorrectly for the following accounts : XXXX XXXX XXXX # XXXX U S DEPT OF EDXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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

I have attached a copy of an FTC report requesting to remove unauthorized/fraudulent collections & inquiries.
Product: Payday loan, title loan, or personal loan

I took out a loan with this company, Mariner finance. Shortly after my student loans kicked in and I was n't able to afford the payments for this loan. I contacted a debt relief company to help me manage my loans I had and get them paid off. Mariner would not work with them not even talk to them. They filed a judgement against me. I contacted the branch and was told to send my paystub and their lawyers would review it and my current debts to establish an acceptable payment. I did n't hear from the branch for weeks and I kept calling for the same representative. Now they have put a bank levy on my account and I have no access to my bank at all and I ca n't get a hold of the person who told me to send my paystub for review as I was trying to make arrangements I could afford.