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

XXXX XXXX XXXX opened a fraudulent savings account in my name. After learning of the fraudulent savings account I am mediately froze my three credit bureau reports and contacted the credit union. Someone from their staff informed me that the information would be removed from my credit file and that they had received the dispute from the credit reporting agencies. Shortly following the conversation with one of their representatives I received a letter from the credit reporting agencies telling me that the information was verified. I attempted to contact them again but to my avail no one would return my phone calls after being transferred to numerous voicemails. 
Finally I spoke with someone in their freight department who had informed me that once again they had received my dispute from the credit reporting agency but they would not remove the account because they acquired my ID. Additionally I asked what was causing the balance on the account and they informed me that it was a fee. I asked them if they could remove the fee to have the information removed from my credit report because it is reporting negatively. They are refusing to remove it from my credit report because they say they are saying the {$30.00} fee is in another department even after I explain to them that I was not the one to open the account. They have refuse to delete the account from my credit report although I have submitted FTC reports along with a police report to them and the credit reporting agencies. They told me that my police report was insufficient and that I needed to come to Kentucky although I live in Ohio and traveling to Kentucky would not be an option. I have never done business with them and did not authorize the opening of the incorrect account on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a Hyundai XXXX  from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo. term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted Hyundai to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per Hyundai Motor Finance 's ( HMF ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX  was shipped from XXXX XXXX to the GM at XXXX XXXX XXXX. The GM at XXXX XXXX made the shipping arrangements. 

I never had any contact with HMF after I returned the car and XXXX XXXX paid off the remainder of the lease. 

On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted HMF to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX  since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by HMF. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. HMF kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of HMF and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that HMF did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that HMF spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to HMF since XX/XX/XXXX. 

It is apparent to me that a Hyundai employee must have taken the XXXX  after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. HMF either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the GM at XXXX XXXX, who I leased the XXXX  from and who I shipped the XXXX  back to in XX/XX/XXXX had been fired and is no longer working for Hyundai. Hyundai refuses to provide me any information proving who returned and made payments on the XXXX. I believe Hyundai is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.
Product: Credit card or prepaid card

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account
Product: Credit reporting or other personal consumer reports

XXXX  Account number ending in XXXX XXXX XXXX XXXX, OH XXXX My XXXX account was transferred from XXXX XXXX to XXXX XXXX  last year. Prior to the transfer I submitted a payment to XXXX XXXX which was evidently not transferred to XXXX. I was unaware that the payment had not transferred until I received something from XXXX. I tried on several occasions to make the payment with XXXX, but their system was not operating correctly, and every telephone call was either dropped or disconnected. Consequently, XXXX reported that my account was late in XX/XX/scrub>XXXX 2023 2023
Product: Debt collection

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to protect my credit file so I'm requesting a security PIN from the bureau 's ( XXXX, XXXX, Trans Union, XXXX XXXX, XXXX, and XXXX ) y name that is associated with my credit file is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Credit reporting or other personal consumer reports

Ive reach to XXXX to correct student loan report on my Experian credit report since I no longer owe them anymore because another student loan servicer name XXXX took over the loan. All balances were transferred over. Unfortunately XXXX still reporting to Experian that I owe them when in fact I have proof that I no longer owe XXXX and everything was transferred over to XXXX. I called XXXX and they were supposed to take care of this matter over 4 months ago. Unfortunately they failed to do so. Ive also disputed this matter with Experian over 3 times and they also failed to correct the issue even though I provided proof/evidence. They still failed to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX , a charged-off account, in full, on XX/XX/2021, in the amount of {$2100.00}. 
Despite repeated disputes being filed with Experian, the credit bureau, the original creditor, and the third-party collection agency are all delaying the reporting of the account as having a XXXX balance. 
Experian 's systems do not work, despite me paying them {$24.00} per month. 
It is wrong for an American citizen to pay a debt in full, only to have a balance continue to show as outstanding. This is wrong, and I'm not going to take it any more.
Product: Debt collection

National Credit Systems repeatedly keeps adding and removing false debt from my personal credit. I have stated in numerous disputes and complaints that this debt doesn't belong to me and that they need to remove it. Instead they keep adding and removing the debt from my credit and not removing it permanently. They continue to violate the FCRA by not providing substantial evidence, like the original contract to support their claim. Please have this company to remove the inaccurate information from my credit report.
Product: Debt collection

In XX/XX/XXXX, I went to court for XXXX XXXX XXXX after i moved out in XX/XX/XXXX. In court under oath both XXXX XXXX XXXX and my attorney agreed that i vacated prior and did not owe any damages and monetary penalties. The lease they tried to use was date XX/XX/XXXX when i signed my lease on XX/XX/XXXX for a one bedroom unit and received a two bedroom that was 3x more then my income and i could not afford the unit. I was the only person one my lease that i signed in person in the office and the lease they were trying to present was done online contacted to the locked account that i had no access to. That lease was thrown out of court on XX/XX/XXXX. XXXX XXXX XXXX sold my personal information to a company called National Credit Audit Corporation, XXXX XXXX XXXX, XXXX, TX XXXX. 
this company is trying to collect over {$12000.00} from me and sent me a copy of the same lease that was thrown out of court and agreed as a fraudulent collection by both XXXX XXXX own attorneys as well as the judge in XXXX XXXX. they have placed this on my credit as a eviction and i was not evicted but moved out.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to TraXXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

I reached out to Cardinal Financial Company on XX/XX/2023 on reducing our mortgage to below 6 % interest under the Servicemember Civil Relief Act due to an upcoming XXXX. The service desk asked me to submit information to XXXX and that they would get back to me. I did so and did not receive a reply. 

I reached out again on XX/XX/2023 and contacted Cardinal Financial. they informed me that they DO NOT have to comply with SCRA standards due to them operating in the state of Georgia. They asked that I wait to receive a letter from them about my application. 

On XX/XX/2023 I received a letter from XXXX XXXX dated XX/XX/2023 from the research department with the original request that I submit information to XXXX. 

I then attempted to contact the research department with the phone number detailed in the letter but the line was dead.
Product: Money transfer, virtual currency, or money service

I closed my cash app account in XXXX XXXX  2024 after I closed it I accidentally had a refund sent to the card associated with said cash app account since XXXX Ive contacted cash app atleast XXXX different times trying to figure out ways to get my money their specialists team took XXXX months to email me saying they cant do anything to reopen my account since I violated XXXX ( before I chose to close my cash app account willingly I had XXXX violations or strikes ) and essentially the money is stuck since then Ive been trying to message cash app support trying to regain access but since my ssn linked to my cash app account is now considered disabled they wont take it as verification ( even though its the same XXXX SSN on the cash app account ) so I try to ask them how do I work around this and gain access to my fund they act like they cant answer the simple question of what steps do I have to take to access the account and get my funds out this is over {$700.00} in funds and its ridiculous its taken them so long with nothing to show for it Ive given them any piece of information to verify its me as well the team at cash app is just lazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX Balance : {$4400.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In American Express ' response to my previous CFPB complaint, CFPB Complaint ID # XXXX, the response dated XXXX XXXX, 2022, American Express writes that they have attached their .PDF file response to the CFPB Complaint Portal for review . Upon opening my complaint and reviewing their alleged resolution, the file attachment is unavailable -- it is grayed out and there is no option to download it or to view it. This is yet another example of American Express ' fraudulent, deceptive and unfair practices, and they have outright lied that they provided a response, when in fact no such response, in the form of a .PDF file, is available for my review. American Express is again engaging in unfair and deceptive practices when resolving consumer complaints, this time by either intentionally not making their resolution XXXXPDF file available for viewing ; not providing their response in another manner than a .PDF file that was not uploaded properly and made available for me to download their resolution of my CFPB complaint ; or someone at American Express is entirely incompetent and doesn't know how to properly upload documents to make certain they are available for viewing and download by the consumer. American Express has falsified and lied in their response to my CFPB Complaint ID XXXX by not providing the documentation they stated they would in order to close out my complaint.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I am not connected to the listed creditors. Please remove them from my credit report immediately. 
XXXX  Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year>
Product: Mortgage

On XX/XX/XXXX I applied for a mortgage with Wells Fargo and during the application process I provided full disclosure with my private mortgage banker that I most recently moved into an apartment and was in a one year lease agreement with the complex. The condominium I was purchasing was going to to be a semi-primary residence until the end of my lease and primary residence after the lease ended. On XX/XX/XXXX my interest rate was locked in for my XX/XX/XXXX settlement. When the mortgage request to went to the underwriter which was approximately on XX/XX/XXXX new rate locks were generated on XX/XX/XXXX and again on XX/XX/XXXX. The new rate lock now indicated a 15 % down payment was required versus a 5 % down payment initially as an option and 3.5 points were required to be paid at closing, increasing closing costs to approximately $ 10,000- {$11000.00} dollars, because the underwriter indicated the condominium to be purchased had to be  categorized as an " investment property ''. So, 17 days before settlement I had to look for other options to purchase this condominium. I attempted to reach out to the President/Manager of private mortgage banking and never received a return phone call or response to my test message. I have contacted other banks regarding their mortgage lending policies and understand why the underwriter classified the condominium purchase as an " investment property ''. However, the issue here is that XXXX XXXX, the private mortgage banker and face of Wells Fargo should have provided full disclosure during the mortgage application process - XX/XX/XXXX, the disposition on the mortgage and the full costs to be realized for the mortgage and closing costs, not 17 days before settlement. This ordeal had caused me extreme stress and a need to scramble at the XXXX hour to look for alternative options to purchase the condominium. In my final e-mail to XXXX XXXX and cc : to XXXX XXXX XXXX on XX/XX/XXXX I requested a refund of the money I paid for the condominium appraisal. Please note, when I applied for a mortgage in XX/XX/XXXX, it was to give Wells Fargo a second opportunity to handle a similar transaction they mis-handled in XX/XX/XXXX. In XXXX, I filed a complaint with the CFPB regarding my refinance of my secondary home. On XX/XX/XXXX I received an acknowledgement letter from XXXX XXXX, Senior Vice President Wells Fargo Home Lending indicating they were going to research my complaint and provide a response by e-mail no later XX/XX/XXXX. At this time I have not received a response or telephone call for the way I was treated about this mortgage transaction. I was fortunate and was able to find an alternate option to purchase the property. It wasn't an option I wanted to pursue, but had no choice based on the way I was treated by Wells Fargo. I hope this complaint serves a red flag for other customers who may want to consider Wells Fargo for their mortgage lending needs. If this is the case, future customers may want to make sure other options are available to support a home purchase, because you can't put your  faith and confidence in Wells Fargo to handle your mortgage needs appropriately.
Product: Debt collection

The credit XXXX are reporting my personal information wrong ( name & addresses ), which is causing me to have a negative credit score. 
This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX U S DEPT OF ED/XXXX/XXXX XXXX
Product: Checking or savings account

Please note that this is not a duplicate complaint. This is about an unauthorized fraudulent debit with a vague description that they have posted on my account for $ XXXX and have also have put my account on restricted status on the afternoon of XX/XX/XXXX. They did not inform me about this debit in any way. I could not sleep whole night because of this fraudulent debit. 
I sent them multiple secure messages about this fraudulent debit and none of those have been answered. 
I just spent XXXX hours on the phone with them and they said they don't have anyone available who can answer any of these questions. I have no idea what they have done with my funds and they are not willing to provide any answers. Last time they put my account in restricted state ( about an year ago ), they called me and asked all sorts of XXXX, biased and stupid questions before releasing that. I should have learnt my lesson back then and closed the account right away but I though that was just a few bad apples but this whole bank is rotten to the core. 

Yesterday evening they posted the debit as TRANSACTION POSTED ON-LINE Pending - XX/XX/XXXX {$250000.00} which gives you no idea what they have done with the funds. Now the same debit is appearing as DESCRIPTIVE DEBIT XX/XX/XXXX {$250000.00} which again gives you no idea what they have done with the funds.
Product: Debt collection

I have explained to the company that I used my insurance and it should have covered the cost. Im currently on a fixed income due to the pandemic and inflation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling Transunion, XXXX, and XXXX explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX