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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/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 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

XXXX XXXX  is listing a card on my credit that I am not owner of nor am I responsible for. It's another person 's card and it's not mine and never has been.
Product: Student loan

On X/X/17 I received a statement from Discover Student Loans which disclosed that I have only paid {$18000.00} and only {$1600.00} went to the principal of the loan. {$17000.00} went directly to the interest of the loan. My credit rating and my co-signer 's credit rating has been negatively effected. The company changes the monthly amount expected as the interest rates change. After paying {$18000.00} in one year, I feel their tactics are predatory and unconscionable. Federal student loans are regulated by the government for debt to income and options for repayment. Private loans such as this one, have managed to gone unregulated. Anytime I have attempted to reach out to Discover Student Loans they are unwilling to to find additional options to help. I have expressed numerous times that I am having trouble finding consistent full time work and that their payments are just too high.
Product: Debt collection

I have a collection on my credit report that does not belong to me I demand it be removed immediately
Product: Student loan

I took out a loan for {$41000.00} in the year 2009 for XXXX. Only less than {$10000.00} has been subtracted from the principal balance I still owe {$31000.00}. The loan was originally taken out with XXXX but now it is being handled by the company that bought them which is Wells Fargo bank, and I believe the principal balance has been decreasing slowly since they took control of my student loan. Please help me bring my balance to XXXX and options they can put me in that position. Thank you and look forward to your response.
Product: Checking or savings account

I have an XXXX XXXX account that returned a deposit back to CHIME. Hence it was a deposit or a credit to my Chime checking account. Two small verifying deposits from XXXX XXXX into CHIME had been made a few days previous. When the amount of {$700.00} was returned back into the CHIME account, CHIME locked my account. I was unable to pay rent or buy gas to get to my job, I'm not able to buy food and my Social Security has since been deposited into this CHIME account which I now also don't have access to. I have access to NONE of my money. I'm a XXXX  citizen and this is outrageous and affecting my health. I have made 6 phone calls to CHIME and have sent them the documentation they demanded in order to unlock my account. It is still locked, and I have no food, my dogs have no food, and am going to lose my apartment, and I'm this has changed my entire life. I am distraught and have no recourse against this company. Oh my goodness this is killing me. Please help me. PLEASE HELP.
Product: Payday loan, title loan, or personal loan

I been tried to be always on time but lately I have been struggle because we gained custody of my grandson no complains on that just money problems all I wanted was an extension for few days until next paycheck that will next Thursday that will be XXXX the XXXX only few day they denied it and that will be get me in trouble with my bank I don't know what to do like right now I don't even know if I still have a job believe me I want to pay I been doing it but they are NOT a very understanding people and a lot of people are on my shoes
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 



I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 



I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

The person who committed fraud with XXXX sent me money and then reported fraud and Wells Fargo never investigated it. They closed my account with me in the negative and sent it back and there was nothing done on my end to help or protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, XXXX, and Experian with my second dispute letter because the first one was sent and no fix was adjusted to the error on the hard inquiry hit on my credit report, that isn't an authorized application from myself. My first dispute letter took them over 30 Days to address. This second letter was sent out on XX/XX/XXXX, which states The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

I've requested for this Hard inquiry that is not mine to be removed from my credit report, as fraudulent activity.
Product: Credit reporting or other personal consumer reports

I don't recognized or have giving any authorization for this company to run my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX Equifax Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Bank of America has always refunded my money, but in the past 6 months I have had 3 unauthorized transactions hit my account. I have had to order 3 different debit cards and have had unauthorized transactions refunded every single time. However, I am afraid my transactions won't be refunded at some point. If an unauthorized transaction hits my account ever two months I doubt they will continue refunded the stolen amount. I have no idea why I have to pay a $ 12 monthly fee either. My debit card is just out of commission XXXX of the time every two months. If the {$12.00} is for security fees then they aren't spending my fee appropriately. They need to work on their security.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, Ally Financial is displayed on my credit reports as an inquiry.

( a ) I did not apply for any loan with ally financial ( b ) I never inquired about any services with ally financial and it is likely someone else used my information in an attempt to apply for this loan.

( c ) This is not me that applied for this loan. Delete from my credit report.
Product: Credit card or prepaid card

My credit card is through XXXX however they have been amazing to work with. The Issue is Paypal is withholding {$2000.00} for almost 80 days they will not release it back to me or to the vendor. 
XX/XX/XXXX, I paid XXXX XXXX XXXX ( the vendor ) {$2000.00} for a product through Paypal. We decided to go through a different vendor and requested a refund. After a week we still had not received the refund, so I opened a dispute. Then my husband said we would just go get the product 2 states away, so I called XXXX to close the dispute and give the money back to the vendor. After two weeks the vendor still had not received the money but I had been rebilled so we called PayPal and they stated they needed it to be closed from XXXX. XX/XX/XXXX this dispute was closed with XXXX, I offered to email Paypal the letter from XXXX stating it was closed but they said they needed it from XXXX. I called Paypal back to let them know it was closed, they let us know we needed to wait 75 days for Paypal to release the funds to the vendor. Though we had communicated all this with the vendor, we were billed again and threated collections because we had the product, and he was out {$2000.00}. In XXXX we paid the vendor an additional {$2000.00} in the agreement he would refund us once Paypal released the funds. I called and checked XX/XX/XXXX that we were still just waiting, and they verified that XX/XX/XXXX would be the end of the 75 days and the vendor would have his funds. I called XX/XX/XXXX to make sure the vendors fund had been released and they stated they are still waiting for XXXX to close the dispute, even though last we spoke it was only a time issue. I called XXXX today XXXX and they again said it has been closed since XXXX. I will be calling Paypal again today and letting them know I filed a complaint, at this point they have no reason to keep these funds on hold from the vendor. At this point I have paid for the product twice and I am not sure what else I can do. Paypal Account is my husband XXXX XXXX XXXX XXXX. Card on the account is mine ending in XXXX
Product: Credit reporting or other personal consumer reports

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.Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, has violated my rights.15 U.S.C 1681 Section 602 A. states the right I have 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 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 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 have numerous credit inquires from banks that I never applied for loans from
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was scammed for {$2100.00} for someone offering housing. He then said I need to send a deposit of {$520.00}. I contacted cashapp to dispute but they rejected it and said they will not help me. I filed a dispute with my bank XXXX and after a few weeks they requested images and receipts. After a few weeks, on XX/XX/XXXX of this year I got a letter saying the dispute was rejected from XXXX XXXX. The merchant also blocked me and I can no longer contact them. They were scammers.
Product: Payday loan, title loan, or personal loan

After contacting onemain they attempted to acquire personal information from me to include address, phone number and full SSN. As soon I informed them that this wasn't my account and that I recently filed for identity theft with the police department and sent the report to all three credit bureaus they told me that my account was transferred to XXXX XXXX XXXX ( XXXX ) and to contact them ; which never showed as a debt collection company on my file. I contacted XXXX and informed them of the same information and they went through the verification process as well but noticed a large amount of identification errors from address and birthday and amount claiming to be owed. I called XXXX back after never receiving a fraud packet that i requested and they told me they sent the account back to onemain and labeled it as fraudulent account. So i called onemain back and inquired again, and of course they wanted more personal information to verify who i was and then instead of talking to me informed me of the attempt to collect a debt. I finally got to a dispute representative who said they used to be Springleaf financial  and I informed them of the account be settled/wrote off due to breach of contract which the Springleaf respresentative in XXXX, South Carolina acknowledged. They attempted to spike my interest rate after the first payment was made which I informed them was an illegal interest rate for an XXXX XXXX XXXX per the Soldier/Sailor Civil Relief Act. I never heard from Springleaf again and here we are 5 years later with tarnished credit due to myself never being contacted or informed of any type of selling of the account or merger with another business. I never borrowed that much from springleaf so the ammount is also far from accurate. I am not an uneducated adolescent new to the credit world. Anyone can pull my current loans, credit lines or reports and see that my accounts are current and never missed a payment ; so why would I have done that then. I have integrity and if Springleaf would have be as integral neither the onemain or myself would be in this position. As the consumer I am attempting to purchase a home and can not do so because of something 5 years ago still haunting me now because of a mistake made by an account which onemain took over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a recent review of my credit report at the XXXX, XXXX  and XXXX consumer reporting agencies, I learned that Discover Financial Services was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XXXX, I deserve more.
Product: Mortgage

Closed on my home on XXXX XX/XX/2021 and paid at closing all the property taxes for the next year since they were due in XXXX. Then in XXXX received a notice from the county that the taxes had not been paid. Called the mortgage servicing company Dovenmuehle the servicer for XXXX Mortgage and they had not made any attempt to pay the taxes and appeared unconcerned that they were delinquent. I have had multiple conversations with them concerning this and can not get any of their representatives to take action to pay my taxes. I have talked to 3 supervisors and 4 different customer service reps and each time I have to give them the entire story over again and none of them take any action. They also tell me that it is going to be another 2 weeks each time and nothing has happened. At the last calling they supposedly turned it over to an expeditor, but the person will not give us any status except it has been sent to another office. I contacted the county, and they are now assessing delinquency fees and will start foreclosure in XXXX if not paid. Dovenmuehle has been unresponsive and appears to keep bad records of customer contacts. The clear message to me has been they are not really concerned that my credit rating may suffer by their incompetence, lots of fees are building, and my house could go to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided Statements from the Credit Card company showing the date of my first delinquency ( in XX/XX/XXXX and another in XX/XX/XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XX/XX/XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XX/XX/XXXX and XX/XX/XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform that I was the victim of identity theft. Per FCRA section 605b they are required to remove/ delete any items listed on an id theft report. Please find the required documents to assist in the deleting of the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX XXXX Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX AZ Account/Reference # 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 a account without my written instructions
Product: Credit card or prepaid card

There is a Citicards credit card showing up on my credit report that should not be there. It says that I am an authorized user of this account. I do not have access to this account. I do not have contact with the primary account holder either. I have not spoken to this person since we broke up about 10 years ago. I do not have any contact information for this person either. I tried calling Citi today XX/XX/2022 around XXXX PST and spoke with 2 different agents. Both agents tried to find me and the account multiple ways unsuccessfully. They couldn't find me by my name, my social security number, previous phone numbers, my maiden name, the primary 's full name, the primary 's previous numbers and address, etc. I also gave them all of the information I had on the account that I could see on my credit report. They were still unable to locate me or this account and insisted that it may be a Costco card. I was told that since they can't find me on any accounts, I would have to get the primary card holder to call them to remove me. This is just a giant circle. I can't get in contact with this person as I said before. I haven't had contact with him in almost a decade. How am I supposed to get him to do this? I am stuck in an unending loop and unable to free myself and my credit reports from this account.
Product: Mortgage

XXXX XXXX of Franklin Mortgage XXXX  - Hard Money You DON'T Want This complaint is against Franklin Mortgage XXXX, XXXX in XXXX, Florida. It is a complaint XXXX XXXX specifically of Franklin Mortgage XXXX. 

In XX/XX/XXXX, my family and I took a hard money loan to buy a house at XXXX XXXX XXXX XXXX. We had to put 30 % down and accept a mortgage interest rate of 10 %. The lender was XXXX Mortgage XXXX in XXXX. They are extremely unethical and known for predatory lending practices with the INTENTION of putting people in foreclosure and taking their homes. 

At the end of XX/XX/XXXX, we were defrauded by Lifelong Criminal, XXXX XXXX from XXXX ( not related to the lender ). XXXX is currently being investigated by the district of XXXX, and looked into by other regulatory agencies as well. You can search XXXX : " XXXX XXXX - Racketeering through XXXX XXXX  and XXXX XXXX. '' By XXXX of XXXX, we started falling behind on our mortgage because of me being unemployed and from being defrauded as mentioned above. I explained that to XXXX XXXX hoping for some reprieve/empathy/modification. He declined. 

Over the next few months during the height of the Coronavirus, XXXX XXXX continued harassing my family and I saying we were the only non-performing loan in his portfolio. That was a blatant life. He had 3 other properties in foreclosure already. 

In the summer of XXXX, my mother had XXXX XXXX. We sold her apartment on XXXX XXXX XXXX and she moved in with me. We then went and paid 90 % of the balance in arrears to show good faith. 

I then again asked Franklin Mortgage XXXX to modify the mortgage as we were paying a 10 % interest rate. They declined again. By XXXX of XXXX, they hit us with a foreclosure proceeding. 

Then in XX/XX/XXXX, Franklin Mortgage XXXX filed a summary judgment with the court and literally tried to steal the house from under us. 

This forced my family and I to fire-sell our home in XXXX of XXXX. After penalties, interest, arrears, legal fees and etc, we walked away with peanuts and can barely afford to move and pay rent for a couple of months at best. 

THE DAMAGE REPORT BELOW : We bought the house for $ XXXX in XXXX of XXXX. We had to put 30 % down and paid $ XXXX in points at closing. So, that's {$97000.00} upfront. 

We sold the house in XXXX of XXXX ( this month ) for $ XXXX. After closing costs, penalties, legal fees, commissions and etc., we walked away with $ XXXX. So, that's a net loss of $ XXXX right there. 

The houses in our area are now selling for $ XXXX and above. We sold it for $ XXXX. That's another $ XXXX out the window. - Total loss is $ XXXX. That wiped us out. 

My family and I are asking the CFPB to investigate Franklin Mortgage XXXX, XXXX XXXX XXXX, Florida. Other complaints about them already exist. 

The best way to fight shady business practices, is to expose them. Feel free to publish this to any of your communities. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX MO XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.