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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XXXX  XX/XX/2023, My Wells Fargo checking account had an illegal Fraudulent Wire Transfer without my knowledge or Verification and Wells Fargo allowed {$26000.00} to be fraudulently wired out of my account. My checkin and savings accounts are wiped out. Wells Fargo does not care. They say they can not stop the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has XXXX XXXX which allows us to add on our utility bills to our credit and increase our credit. I called them Numerous times to find out why my bank isnt working. They said to contact the bank and theyve said its On XXXX side Ive been very patient and asked numerous time to no avail. I want this fixed
Product: Checking or savings account

Yesterday at XXXX I got XXXX emails saying USAA XXXX opened a saving and checking in my name and social XXXX XXXX Is a second added on person They have the username password pin and my social Not my phone number but also my email
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified XXXX, Equifax and XXXX that my credit report is reporting incorrect information in regards to XXXX XXXX  account. All 3 stated initially that the information is verified and correct. XXXX specifically stated that within 24b hrs. of receiving the complaint. I factually know it's impossible for XXXX to determine the correctness of the information within that frame of time. 
On XXXX and in XXXX I again submitted information to dispute the information but again without an investigation they rejected it.
Product: Mortgage

Caliber Home Loan purchased or was servicing the loan from the prior company never notified all interested parties as I am on the note and deed but not on the Mortgage. I have been trying to save the home as I purchased the properties with a partner which is the primary person on the documents. 
I have received recently information regarding foreclosure which I was never notified of the initial delinquency or intent to foreclose and nothing regarding a lender placed insurance policy placed on the home. I requested copies of original signatures on the documents signed at closing ie Note, Deed etc. To date they mentioned since Im not the initial person on the loan they can not speak to me but they have initiated me in the foreclosure process. I would like to modify these loans as they are upside down the amounts owed currently and the values and underwater. No one from this Mortgage company ( which the original company XXXX ) has contacted me directly via phone other than initiated a foreclosure process.. 
Please look into this company and its current dealings as I am in the dark about the documents requested.
Product: Credit card or prepaid card

I repeatedly applied for credit cards through Credit Karma, because the sight would say I was preapproved. I would not be approved for the pre-approved credit cards. Later receiving a denial later that would often be followed with a netspend prepaid deposit credit card that Id never requested that had outrageous terms of credit with ridiculously high APR.
Product: Debt collection

I was paying my lender n time until their servicer place their own insurance on the property when i already had insurance and charged me more every month. I showed them proof that i had my own insurance and then they said they will adjust the default payments and never did. My default payments have been getting billed in the back since XX/XX/2018 for XXXX a month. Now my new lender is trying to pay off the loan off and they want the default interest when all of it should of been waived from day one since they made a mistake to place their own insurance on the property. My new loan docs are expired and i might be able to get a loan since the servicer took 2 months and has not rectified this issue.
Product: Debt collection

At the very beginning of the pandemic, I had approximately {$1000.00} per month decrease in net income due to the pandemic. Because of the reduction in income, I reached out to XXXX XXXX XXXX ( XXXX ) to negotiate a lower payment with all of my consumer debtors. All of the companies agreed to do so with the exception of the XXXX XXXX ; also known as XXXX XXXX. I stop making the monthly payments because of the reduction of my income. Approximately, two-three years later, I was served by XXXX XXXX XXXX as a Defendant for an amount {$20000.00}, which is mostly interest and late fees. Attached you will find the following : Payment history from XXXX, the Judgement from XXXX XXXX, the Firm I hired, the Law Firm that purchased the debt, and the Law Firm that filed the debt. 

In closing, all of the debtors received the XXXX XXXX from the Federal Government that they did not have to pay back to the Federal Government. I believe this loan should be fully forgiven because of that. However, I have paid them {$5000.00} as of XXXX XXXX, upon which I believe should be returned to me because of the Law Firm being a recipient of the XXXX Loans. Also attached is a CFPB Judgement against companies that has illegally collected monies for consumers like myself. 

Thank you in advance for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are trying to buy a house and today XX/XX/2020 the agent ran our credit to see how much we would qualify for ; I saw several accounts and inquiries that do not belong to me. The accounts and inquiries are from many different companies that I am not affiliated with in any way. I do not have any written or verbal contracts with any of those companies and I did not benefit anything from those accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payments towards any of those accounts. I did not allow any of those accounts to be opened in my name therefor I have filed a police report in regards to all these unauthorized accounts.
Product: Checking or savings account

I requested my account to be closed in early XX/XX/2019 and Navy Federal did not close my account which one of the representatives said was due to processing time. By the account being left open according to the information given by the representatives they stated the account accrued multiple overdraft charges which resulted in multiple overdraft fees which I found highly unfair and poor practice. Furthermore, my account has been satisfactory without overdraft issues for a very long time, however, my wife overdrawn her account which is separate than mine and according to Navy Federal it  was set up at the time at the branch for me to have the ability to transfer funds into her account if need be. Navy Federal instead of using my account as overdraft protection allowed her account to overdraw and charged her overdraft fees and when she decided that was unfair and not to use the account any longer Navy Federal waited almost two weeks then transferred money out of my account without notice and the result was my account went low and caused overdraft fees. I asked is " joined '' to her account why wouldn't it overdraft protect her account if I am responsible for it or why wouldn't someone inform me that money is going to be taken out of a separate account and no one could have a clear answer as to why this occurred. I think its a crime to say my account can overdraft protect an account but then don't overdraft the account which caused overdraft fees on both accounts. I want to explore all my options in regards to how this scheme takes advantage of individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are ignoring me, I have been sending them letters to eliminate some errors and negative elements of my credit and they have not responded
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Consumer Bureau is reporting unverified, un-validated errors on my credit report. after several attempts to dispute the errors ' they refuses to correct or update the file ; unlike the other consumer bureaus which have made the necessary corrections. Some of this errors are fraudulent, and could not be verified by the furnisher and the bureau refuses to properly investigate. This Agency is doing whatever they to want and not following any of the laws ; FCRA. Section 617,609,611.
Product: Student loan

To Whom It May Concern, I recently refinanced a 7-year student loan ( " Original Loan '' ) with SoFi with a new 15-year student loan ( " New Loan '' ).

Sofi sent the funds from the New Loan to an incorrect address and never paid off the Original Loan. 

This error is concerning my Sofi/XXXX Account. 

The funds for the New Loan were disbursed on/around XX/XX/2018. 

Unfortunately, the Original Loan was never paid off and my checking account is being automatically deducted for payments on 2 student loans when I should only have one student loan outstanding.

I'm paying interest on a 2nd student loan that should not be outstanding because of the Sofi mistake.

Additionally, I'm in the process of purchasing a condo and my credit report erroneously reflects 2 student loans outstanding, which is preventing me from qualifying for my mortgage. I have already sunk nearly {$500.00} with the mortgage application and home inspection. 

I have contacted Sofi ( lender ) and XXXX ( the student loan servicer ) on 2 separate occasions in the last 2 weeks to resolve the matter and provide me with a letter that I can send to my mortgage underwriter explaining the mistake. In both instances, XXXXSofi have failed to resolve the issue. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX DOB XXXX SS XXXX. I am looking to get help to correct my credit profile that has several errors that are causing me issues. First up the misspelling my name please remove any other spellings. I am a victim of fraud and I have fraudulent addresses on my credit report. I never lived at the following addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX C M/R XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these cellphone numbers that do not belong to me error : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Mortgage

I had been late a few times on my mortgage and even after catching up I have still been charged late fees, property inspection fees, and nsf fees. I use my banks website to pay through Web bill pay and they can not explain how or why I am being charged extra charges. I have been spoken to in a demeaning and rude manner. I do not want to remain with this company and I am currently looking for a different company. My loan was sold to these people from another loan provider. Freedom mortgage has been the worst company I have had the displeasure of dealing with.
Product: Credit reporting

Since   XXXX   no lender has been able to access my credit an error is returned "  XXXX  '' through my own research I found this is an error code triggered due to a mis-match between my SSN #, name and address. I have faxed the requested to Equifax, however over the last 8 months and so many calls I can not get anyone from Equifax to fix the issue because of their ineptness. as a  XXXX  person I 'm trying to get a mortgage so I can move into a more suitable home that is more accessible for my  XXXX . I have a contract on a home however the lender ca n't pull my file due to this issue. TIME IS OF THE ESSENCE as my closing date is rapidly approaching.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that has been re-reported by XXXX. XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX, on my credit report. The details of this dispute are outlined below : Background Information : Previous Deletion : In XXXX, the information provided by XXXX. XXXX, XXXX was deleted from my credit report after being found inaccurate. 

Re-reporting Without Notice : Despite the previous deletion, XXXX. XXXX, XXXX has re-reported this inaccurate information on my credit report without sending me the required 15-day notice, as mandated by the Fair Credit Reporting Act ( FCRA ). This is a clear violation of my rights.

Violation of Privacy and Lack of Consent : As a consumer, I have the right to privacy, and I did not give XXXX. XXXX, XXXX permission to obtain or report any information related to my credit or personal data. Under 15 U.S.C. 1681b, no third party, including XXXX. XXXX, XXXX, may access my credit report or report information to the credit bureaus without my express written consent.

The re-reporting of this information without my consent is not only a violation of my privacy rights, but it may also be considered identity theft under applicable consumer protection laws. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of this dispute.
Product: Credit reporting or other personal consumer reports

As I was checking my credit report, there's an inquiry in it that I don't recognize which is very alarming, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX with a balance of {$2600.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Mortgage

I pay my mortgage and escrow on time ( EFT ) to Loan Depot. I recently got a delinquent tax bill and when I called them they said they would take care of it. 

Since then they said a payment was sent, but the tax office never received payment. They have a XXXX tracking number but it shows as never picked up by the shipper. 

If this isn't resolved by XX/XX/XXXX there will be additional action taken against me by the tax claim bureau.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did no comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

On XXXX I checked my XXXX credit report and noticed a collection account from Credit Collection Services on behalf of a XXXX XXXX XXXX XXXX. I never received any notice or letter in the mail about this debt. I do not know what this debt is. I ask that they provide proof that certified notice was sent to me for this debt pursuant to the FCRA or please remove immediately from my credit reports.
Product: Debt collection

My husband and I owed a balance to XXXX XXXX XXXX. On XX/XX/18 I mailed a check to them paying this balance. After I had paid the debt we received letters from a collection agency telling us we need to pay them. I sent them a copy of the cancelled check, but they will not remove it from our credit reports. The collection agency is Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Unauthorized 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone open a credit card in my name with Capital one and now their charging me for several cards and it's stoping me from being able to get credit cards let loans
Product: Credit reporting or other personal consumer reports

Under title 15 usc 1681 And the laws of commerce, I have reached out to experience and XXXX. And Equifax with these laws stating that I never gave my written Permission To disclose any negative. 
Information on my credit reports, and there are a lot of inconsistencies within each Bureau.
Product: Credit card or prepaid card

I lost my Victoria secret credit card, I asked for a replacement. They will not send me one with a copy of my social security card. I do not feel comfortable sending anyone my social security card. Therefore I asked them to close my account and they refuse. This is going to affect my credit score and Im upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have dent multiple disputes and verification and receive no results
Product: Credit card or prepaid card

Hello, Few months ago someone opened an account using my personal information which I did not see until a few days later when I received an email alert from my bank that I got a new account opened and had new inquiry. Then I quickly responded to that by putting a criminal watch on my credit on all the XXXX credit bureaus then I quickly opened a case with each credit card company to close the account because it was fraudulent and I never opened it. Later after XXXX days I got a mail saying I am responsible for the credit card opened and everything I have to pay for. I am not responsible for anything on these credit cards because I have never opened an account there neither do I even have purchase history of me buying anything at those stores. After looking further the items were bought from stores that are super far away from my house when I have around like XXXX branches around my own house. It is unfair for these companies to just do a small investigation and just make a decision depending on that. I will be opening a police report in the next few days and probably will hire a lawyer to get this situation sorted ASAP. There are no evidence or claims that these accounts are owned by me so I don't know how they considered that they are my responsibility. 

thank you
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across XXXX, XXXX, and Equifax.
Product: Debt collection

Based on my credit report there was a credit card account opened using my personal information on XX/XX/XXXX. After reviewing my credit report in XX/XX/XXXX I contacted US Bank. I informed them that the account was not mine. They then created a case and mailed me an affidavit and police report form. I went to the proper measures to get the forms filled out and mailed them back to US Bank. I contacted US Bank again on XX/XX/XXXX and they informed me that they never received the forms however I know that is untrue because I sent it via certified mail. I have disputed the account with the 3 credit bureaus multiple times since XX/XX/XXXXas well as written letters asking for verification. US Bank never responds and when I call them they provide me the same information about sending them a police report, in which I have did previously. US Bank has not been willing to work with me and they appear to be unconcerned about with helping me with the fraudulent account.