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

I submitted request to XXXX regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau . Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report.

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
3. My current address is XXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

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

According to 15 U.S.C 1681 section 602 A. states that I have the right to privacy! Also 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The following accounts have violated my rights : XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX
Product: Debt collection

This is an update to my prior complaint number XXXX. I was advised today that XXXX from Ally Financial, who I have previously complained about has attempted to contact the pastor who married my wife and I on XX/XX/2017 and  contacted the woman who did my wife 's make up. He has contacted my old employer on too many occasions to put down in this complaint. He has also contacted my ex-wife, her family and all of my family members. I have no issue with him contacting me, but this is clearly harassment now and a violation of the law. He needs to be stopped or I will take legal action.
Product: Credit reporting or other personal consumer reports

Im resubmitting 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 : XXXX 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 that 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 CHASE AUTO Bank XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S code 1681 c.2 this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Product: Credit card or prepaid card

I was a victim of Credit Karma preapproval scam. I was preapproved for several credit cards, then when I applied, I was denied. Each time they checked my credit which in return caused a dramatic decrease in my credit score. I am expecting to be compensated from the results of this lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$52.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 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: Debt collection

I never signed a contract with XXXX XXXX and XXXX XXXX was in agreement. However, they put a {$580.00} collection on all three credit bureaus. 

This is not my debt, I do not owe this collection and they refuse to remove it.
Product: Vehicle loan or lease

Around XX/XX/XXXX, I refinanced my auto loan from TD Auto Finance to my preferred credit union On the Grid. When I later visited my local XXXX, I discovered my vehicle has two auto liens. I was provided with a letter XX/XX/XXXX that my loan with TD Auto Finance was paid in full. For the past 4 years I've been getting the run around on how to get this lien off. TD Auto Finance said the letter would be sufficient for the XXXX. The XXXX tells me they needed a signed/notarized letter from TD Auto Finance to remove the lien. TD refuses to send this. Now the XXXX is telling me that the signed/notarized letter is insufficient, TD needs to release it electronically. TD then refuses to electronically release their lien without a lien release letter from On the Grid, which of course On the Grid will not provide because I have not yet paid off lien. After working on this off and on for 4 years, I have no choice but to submit this complaint. I tried to work this out with TD one last time today. I was supposed to be transferred to a supervisor and was on hold for over an hour and 45 minutes before I finally hung up as I simply couldn't spend all day on hold. No offer was made for a call back. Screen shot of my cell phone of this call attached. I am consider sale of my car but I can not do so without clearing up the title down to one lien holder.
Product: Vehicle loan or lease

About a year ago, I suffered a financial scam in purchasing a RV. I currently owe {$35000.00} to fifth third bank for a RV that is only worth {$15000.00}! I am completely upside down. 

The RV dealer completely lied to me saying this RVs MSRP was {$32000.00} but after the fact I found out it was only worth $ XXXX! 

I talked to the RV dealer, XXXX XXXX XXXX, XXXX, TX, about canceling the whole deal before I ever picked up the RV they said they couldnt cancel it I all ready signed the paperwork. 

I talked to Fifth Third bank a week after this deal they told me same thing- nothing they could do I signed the paperwork! 

If the RV dealer would have been honest with me about the value of this RV-I would have never ever agreed to it. And I wouldnt be in the situation I am now. 

How can a bank knowingly give me a loan for {$36000.00} on a RV that is only worth $ XXXX??? 

Fifth Third bank and XXXX XXXX scammed me. I am completely sick over this whole ordeal. I am stuck with this RV worth {$15000.00} and I owe {$35000.00}!!! 

It should be illegal for companys and banks to deceive consumers this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. Discover Student Loan is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and Discover is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!
Product: Credit card or prepaid card

{$120.00} XXXX XXXX, 2022 was the transaction date. Reference number : XXXX This was for advertisement on XXXX i never agreed to. I agreed to {$300.00} free advertisement for XXXX month ( i called at XXXX month mark to cancel ), and it over charged me for extra items i did not agree to in the first month. I tried to call XXXX they said they would refund me but never did, I reached out to them again and no one there seems to be able to help. I would like my {$120.00} refunded asap to my american express card ending in XXXX
Product: Checking or savings account

Hello, fifth third closed my account without any communication from me. I received a XXXX  from my friend XXXX of XXXX XXXX that he still confirms sent yet they still close my account.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. I submitted disputes XX/XX/XXXX and have not heard anything yet. Tomorrow, XX/XX/XXXX makes 45 days and they are violating the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I received a statement from TransUnion dated on XX/XX/2024, with the file number XXXX regarding the reinvestigation of the following accounts below were validated : XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX XXXX XXXX/XXXX - Account # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account with several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of data breach, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result the data breach and identity theft resulting fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$590.00XXXX XXXX XXXX Balance XXXX {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX  XXXX  Automobile Financing Company XX/XX/XXXX XXXX  XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX   XXXX Finance XX/XX/XXXX XXXX  XXXX  XXXX Finance XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX   XXXX Finance XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Credit Union XX/XX/XXXX XXXX  XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it. 

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.
Product: Mortgage

On XXXX XXXX, XXXX, I submitted a request for modification assistance to my lender Selene Financial. Selene Financial, has refused to review my loan for modification assistance citing that they do not have to review my request if my loan is less than 37 days from a date of sale. Selene confirmed receiving a full package on XXXX XXXX, XXXX, and furthermore we were never given any such date which would be deemed too late to review our documents. This fictiosous rule was only implemented when our package was received by Selene. The FHA general rule of thumb is that loan modification requests require a minimum of 30 days for review of a full package. 
Please also note a sale date was imposed on our home on XXXX XXXX, XXXX, which was also after having received our documents for assistance XXXX XXXX, XXXX. XXXX and a well-known foreclosure mill named XXXX XXXX XXXX are attempting to set aside federal rules and statues surrounding loan modification review. They have seen the equity in our home increase significantly over the past couple of years. This act is known as " Dual Tracking '' and has been illegal snice XXXX National Mortgage Settlement. 
My understanding is that Selene Financial, has one purpose at this point which is to foreclose on our property due to the increase in home equity over the past 18 months and the fact that our family suffered financial set back on multiple occasions prior to our request for assistance. Furthermore, it is our belief that because our loan is government insured loan both XXXX XXXX XXXX XXXX aim to profit from padded, trumped up legal fees and filing a claim with FHA for insurance money to cover my loan. 
I also am certain that my original loan does not contain a power of sale clause, which, means Selene and XXXX XXXX XXXX, are required to complete a judicial foreclosure on my home rather than non-judicial. 

See statute below : Most residential mortgage foreclosures in Texas are no judicial, which means the lender can foreclose without going to court so long as the deed of trust contains a power of sale clause. ( A " power of sale clause '' is a paragraph in the mortgage that authorizes the no judicial foreclosure sale.
Product: Payday loan, title loan, or personal loan

I set up a Settlement Agreement on my Account to Settled in Full in two installments of {$750.00}. I awaited to get a Settlement Agreement Letter in which I had to call after my first payment went through to get someone to send me a copy of the AgreemeXXXX. When I asked how long after my last payment goes through should I await for my Settled my account and balance is {$0.00}. I was told by the agent that is something his company does not do due to large inventory of accounts. I told him that is something required by law that we should receive and was told that if I was worried about Credit Reporting then I would have to wait. When my payment went through yesterday XXXX. I emailed the Recovery Agent XXXX to ask for a letter to reflect my balance in {$0.00}. He told me that I needed to call the XXXX line and talk to the same agent that setup my settlement agreement. When I asked " As a Recovery Manager, you are unable to provide me this information? '' His response was " I only send letters via email. I emailed back stating " Well you agent had told me previously that is something your office does not do because your company has a lot of accounts. Frustrating that I wasn't given a settlement agreement letter when it was first set up and to hear that a Recovery Manager can't even provide me any information. Well I guess another CFPB complaint is needed. ''
Product: Credit card or prepaid card

On XXXX I purchased a starter motor from a very large, reputable, vendor for {$140.00}. 

The starter motor was returned back to the vendor on XXXX XXXX XXXX XXXX 

My dispute I.D . is XXXX For months the purchase had not shown up on receipts or invoicing leading me to believe it was a false charge/error. 

I paid my account up and closed my account with the outstanding balance of the {$140.00} due to their inability to rectify the situation. 

On XX/XX/XXXX a refund from a company was posted to the account for {$140.00} and they refuse to pay me that balance. 

They contine to charge late fees and intrest and I want this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$3500.00}
Product: Debt collection

I receive at a minimum XXXX phone calls a day from them. They never leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

My collections account with XXXX XXXX XXXX , XXXX, is incorrectly showing as an open charge-off with a {$0.00} balance, and it is paid in full. I submitted a credit dispute via XXXX, and the information has still not been correctly updated.