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

I recently pulled my credit report and found some inaccurate Charge-offs that were reported. I have made a list of the inaccurate Charge-offs that I would like removed. I am in the process of buying my first home for my family. Please review all of the documents and remove the listed accounts.
Product: Debt collection

Ditech Financial has been trying to collect on a 2nd mortgage in the amount of {$100000.00} from me since my ex-husband filed bankruptcy. It began on XX/XX/XXXX with a letter informing me they were attempting to collect a debt. Since then it has escalated to multiple phone calls per day, as well as threats they could sue, seize bank accounts or put liens on my property. 

The 2nd mortgage went into default in XX/XX/XXXX. It appeared on my credit report in XX/XX/XXXX, and was removed from my credit report in XX/XX/XXXX, because of the statute of limitations. 
In Colorado, the Statute of Limitations to collect a mortgage debt is 6 years. 

On XX/XX/XXXX, I spoke with a Supervisor named XXXX, extension XXXX. He stated they have a right to collect this debt until the year XX/XX/XXXX. The phone calls continue, with the threat that if I don't pay something to them, they could escalate seize bank accounts or property. 

They also said I signed paperwork that said they could collect this debt up to the year XX/XX/XXXX, which I never did. I asked for the specific paperwork, and they said they couldn't mail it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Checking or savings account

In XXXX of 2020 I experienced fraud with my Wells Fargo account. Someone was able to deposit a fraudulent check, one for an amount I have never deposited before and was given almost immediate credit. The fraudsters were able to withdraw and disperse those funds, when the check came back as fraudulent I was left to pick up the pieces and pay back the negative balance. My accounts were drained and Ive been struggling to bounce back ever since. I had XXXX and Card fraud. I was multiple hours away from where the fraud was occurring and when I requested footage to help the bank they would not assist without a court order. I cant help someone identify a person if they wont give me the image and description. I no longer have access to the original email because I changed it due to fraud so I dont have specifics but the check was for over XXXX if I remember correct. 

I provided a police report as well and nothing came of it. Report : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been dealing with so much recently after I found out I was a victim of identity theft. I filed multiple disputes since XX/XX/2021 including 2 FTC identity theft reports and sent it to Experian to remove a fraudulent account on my credit report from XXXX XXXX XXXX. After they received my first letter, I was told that, my report was rejected because there was an error on the report and they couldnt see my name correctly. And I was told to send a new updated report. And so I did, After I sent in a new updated FTC identity theft report, they received it on XX/XX/2021. However when I called in, the representative on the phone told me that they had called FTC directly to validate the information and the FTC told them that my FTC report wasnt validated and so they could not remove or block the information. So I called the FTC directly and I was told by the representative there that the information given to me by Experian was a erroneous and that they dont validate anything with Experian so file a complaint against them with cfpb. And this my complaint. This erroneous information on my credit report is really hurting me and stopping me from getting credit and I really need Experian to step up and do their job correctly and remove the erroneous information on my credit report.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX I purchased equipment with XXXX XXXX XXXX when the seller was speaking to me I asked him how much the interest rate is? He said once you sign a contract with Dakota financial you will get an interest rate. I trusted him but what he was saying was wrong because he need a money. After signed the documents I didnt see an interest rate on the paperwork. I asked him again I dont see any thing on the paperwork he said again you will getting it once you come checking the truck and Dakota financial said first of all you have to come check the truck and the will shows the rate I trust him again. Thereafter I talk to dakota on phone call they said no interest rate on the paperwork we can shows if you agree with your seller. I left them I get back home in XXXX, TN from XXXX, MO. After getting back home I ask the seller to send me the down payment I paid to them he said no they changed their minds you can come back to pick up the truck they will put to interest rate, I ask asked him how much interest rate, he says I dont know they will let you know so now i request for payoff letter to see how much I owe them because I ask them again how much interest rate they told me again they are no interest rate and principal amount on the paperwork truck was {$89000.00} I paid {$23000.00} And monthly payment is {$2900.00} I pay on time But they gave me a payoff letter of {$110000.00}. before this they supposed to finance me {$66000.00} if you ask them where they $ XXXX {$23000.00} for Down payment total is {$160000.00} For the truck cost {$89000.00} and down payment of {$23000.00} What is the mistake i have done to get this penalty of the bank like this, please help me. Truck I bought it was as is I spent a lot of money to fix I work for 1 or 2 weeks and the truck is breaking down so Im so tired because the insurance need me truck as well my familys members Personal bills at home, I am not happy because I am going to stop my business, my job I like because of Dakota financial they told they will take it to the Auction and report me ni the collection but I dont fail to make a payment for my truck it because of them need more money from me I will work for someone else and everything will be okay. 



Thank you for your support
Product: Credit reporting or other personal consumer reports

Equifax Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking and Deletion of Accounts due to Data Breach ( 15 USC 1681c-2 ( a ) ) Dear Equifax, I am writing to inform you that I am a victim of the recent data breach that occurred in your systems. As a result, I am requesting that all accounts associated with my personal information that were compromised or are a result of fraudulent activity be blocked and deleted, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act.

Under the provisions of this law, I understand that you are required to block any information related to accounts that were the result of identity theft or fraudulent activity, as well as any accounts that do not belong to me. I request that all such accounts be blocked and deleted from my credit file immediately. 

Please send me written confirmation that the accounts associated with the data breach have been blocked and deleted from your records, along with any other necessary steps to ensure that my credit report reflects accurate information moving forward. 

For your reference, I have attached copies of my identification, along with any relevant documents or information to assist you in identifying my case. If you need any further information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I look forward to your immediate action and confirmation of the deletion of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MO, and XXXX XXXX XXXX XXXX XXXX # XXXX these inaccurate and unverified address must be removed asap from my credit report. This address I have never lived at and I don't want my mail going to someone else with all the fraud that is going on right now.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX XXXX XXXX Date of Inquiry XX/XX/2023
Product: Credit reporting or other personal consumer reports

I do not have knowledge of these inquiries made on my report. I had I had my identity stolen since XXXX without my knowledge. 

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
Product: Credit reporting or other personal consumer reports

XXXX sure my payments are always on time, so its confusing that XXXX marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " paid as agreed. ''
Product: Checking or savings account

Opened an account with Bank of the West under the promotion of receiving {$250.00} after setting direct deposit from employer for {$500.00}. When I opened the account, I confirmed with the bank if I would receive the promotion and got an affirmative answer. After completing the terms of the promotion offer, when I called the bank to inquire about it, I was told that the promotion code which I used was already used by someone else and so they can not honor the promotion terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint claiming I was a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was a victim of deception. My ex-fianc established a loan for a motorcycle while I was undergoing XXXX treatments. Once I realized what was done, I did contact the company and tried to explain everything, but they didn't care. The motorcycle was repossessed and I was sent a letter notifying me that it was going to be sold at an auction. I never received any other notification from the company until the balance owed showed up on my credit report. The company, Harley Davidson, never sent me a break down of the balance once the motorcycle was sold to explain the balance. I have tried to contact the company several times by letter to get a copy of breakdown in charges and the only thing that I was sent was a copy of the contract agreement that has a electronic signature. My ex-fianc had my  personal information and applied for the loan in my name and the address on the loan agreement was partially incorrect. There are many red flags about this situation and I want to understand why I am owed the balance that they state I owe. The loan was generated on XXXX XXXX, in the amount of $ 24,046.80.The loan was for a XXXX  XXXX XXXX XXXX XXXX XXXX. The balance stated owed is {$10000.00}. There was a {$3000.00} service contract on the motorcycle per contract, and also {$990.00} XXXX XXXX. These are both refundable items. I am reaching out to your organization in hopes of rectifying my issue with company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is for an account balance via XXXXXXXX XXXX XXXXXXXX XXXX XXXX with a balance of {$230.00} that has been paid in full please remove from my report.
Product: Debt collection

On XX/XX/2023, I received an alert from a credit monitoring service that there has been a change to my credit profile. When I logged onto the service website, I saw alerts on all three of my consumer reporting agencies that a new collection account had been added to my reports. Upon further research, I saw that the following companies were on my respective reports : XXXX : CCS Collections XXXX XXXX XXXX XXXX, MA XXXX XXXX : Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX XXXX : Credit Collection SVCS XXXX XXXX XXXX XXXX, MA XXXX I have had no contact with this company and I've received no debt collection notices in writing or otherwise. Also, the different names and addresses attached to each report seem suspicious and this issue has caused great harm to my consumer profile and slandered my character.
Product: Mortgage

Bayview Loan Services still continues to lie about the facts of my complaint.

1. They have yet to disprove my claim of the over paymentom my loan. Their answer is, " this matter closed. '' If indeed the amount of the refund of {$2600.00} was incorrect, this should have been resolved at the time the check amount was agreed upon. The issue of the check at {$2600.00} is their admittance that the over payment amount, with the check register I sent them, from my bank account, was correct.

2. Since they have admitted their incorrect accounting, no late fees should apply. These need to be removed. All payments have been received by Bayview before the XXXX  of the month. Again, I sent a copy of my bank statement showing the dates all payments cleared. It took Bayview nearly 3 months to refund my money, yet I do not get to charge them a late fee or interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, bad health and no longer able to work and take care of obligations. I spoke with XXXX and the said that they would put me in a plan that would help my situation. They are reporting to all the bureaus and it hurts because Im not able to do whats needed to eliminate this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information listed is incorrect. The employment information is incorrect. The previous addresses listed are incorrect. 

Please remove all previous addresses listed on the credit report as it is a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX-debt collector Original creditor- XXXX XXXX Amount- {$2400.00} XXXX XXXX is stating that this account was opened in XX/XX/XXXX but It was in fact opened in the year XXXX. Which makes it over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$680.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Checking or savings account

Wells fargo, per Reg CC, placed a hold on a large check I deposited. It states that fund will be available on XXXX. They decided to place a longer hold until XXXX  and have failed to provide a valid reason why or letter stating why the additional hold. I am now concerned about the validity of the check. It was a local check and should have cleared within 5 days.
Product: Debt collection

I am writing to formally dispute the actions of MIDLAND CREDIT MANAGEM, a collection agency, which I believe are in violation of several consumer protection laws. The specific laws allegedly violated are : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits unfair, deceptive, or abusive acts or practices by debt collectors. I assert that Midland Cred has violated this provision.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section pertains to the communication tactics of debt collectors. I contend that Midland Cred has failed to comply with the requirements outlined in this regulation.

12 CFR 1006.34 ( d ) : This regulation addresses the validation of debts by debt collectors. I believe Midland Cred has not adhered to the stipulations set forth in this section.

15 USC 1681-S2 ( 7 ) ( A ) : This provision of the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information to consumer reporting agencies. I am concerned that Midland Cred has violated this law, I demand the immediate deletion of the account associated with XXXX XXXX XXXX, from the records of both MIDLAND CREDIT MANAGEM and any credit reporting agencies. This demand is based on the identified violations and in accordance with my rights under the aforementioned laws. I appreciate the attention of the Consumer Financial Protection Bureau to this matter and your commitment to upholding consumer rights. Sincerely, XXXX XXXX
Product: Checking or savings account

At XXXX ET on XX/XX/2021, I became a victim of fraud. I first received a text alert from Chase that alerted me that someone had transferred {$1800.00} from my checking account. The return phone number was only two digits different that the legitimate Chase phone number. As Chase sends alerts via text, I immediately responded. From there the person identified themselves with information that only a Chase employee would know such as disclaimers for phone monitoring, name and even XXXX. The person subsequently walked me through a step by step process and explained was how to stop the XXXX transfer that was hacked. NEVER did I think I was transferring funds ; I was lead to believe that I was reversing a charge. I was also led to believe by the legitimate Chase claims department that these claims were closed with satisfaction within a weeks time. This caller used Chase scripting. 

I transferred funds to my name and my phone number - not a stranger 's contact information. 

Unfortunately, the entire alert and subsequent process was a well-designed scam using internal Chase knowledge to dupe me. I am being told by Chase that I am not eligible for the recourse/refund as I aided the felon to transfer the funds. This is simply not right. The CFPB placed new regulations ( Regulation E ) with the onus on the banks to help customer just like me who were using a bank sponsored and promoted product that is susceptible to scams. XXXX is housed on the Chase website as the primary payment processor yet it does not have Chase protection? How can that be? Chase is saying this is a loophole in the CFPB regulation that they are going to leverage and if they helped me they would have to help everyone. Additionally, they are saying that I agreed to the XXXX disclaimers that I wouldn't send funds to someone I did not know. I DID NOT SEND MONEY TO SOMEONE I DIDN'T KNOW. I SENT MONEY TO MYSELF and somehow it was directed to someone else. All Chase is doing is trying to get out of responsibility to the consumer and CFPB regulation. 

My case number with Chase is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Mortgage

I am writing today in regards to my mortgage with Santander Bank Account # XXXX I am confused by what is being reported from XXXX XXXX XX/XX/2023 It isn't showing consistent data between the bureaus. The payments seems to be allocated incorrectly and the computer system at the bank isn't matching what I get when I speak to a representative. I am requesting the following to help me try to get this straight. Payment history for the complete year of 2023. I am also requesting any communication you had with me for the year of 2023.