23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company has failed to provide proper notice of alleged debt prior to reporting the information to the credit bureaus. The company has intentionally changed the opening and delinquency dates of the alleged debt to cause maximum damage to my credit report. The company has also willfully inflated the amount due of the alleged debt. The company is reporting a debt that may ha ve been the result of unauthorized usage.     I am the CEO of an investment conglomerate and am in the process of an important merger. I need my credit report clear of inaccurate information in order to qualify for appropriate loans. The inaccuracies presented by the company are hindering my ability to earn a living. For every week the inaccurate information appears on my report costs me $  XXXX .     It is for these reasons I need to receive documentation to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is about the  Equifax  security breach.  I followed their  online instructions to sign up for the  credit monitoring and  received the email below promising a link within a few days to confirm.    This is now  six days later and there has been no further email from  Equifax.  Their  email did not end up in my spam,  which i check regularly.      I will attempt to re-register with the  Equifax  website about this;  my understanding is that attempting to call them results in prolonged times on hold,  so i likely won't  attempt that right now.   Given that their offered credit monitoring only lasts for one year,  and that my confidential info now is likely gone for sale for my lifetime,  i'm not certain how much good all this will do anyway.

Equifax security breach: have to get this email with link, might take several days 
Inbox
XXXX XXXX XXXX 
XX/XX/XXXX (6 days ago)

to me 
We have successfully received and are processing your information.

Next Step

You will receive an email with a link to finalize your enrollment and activate your product. Please be patient. Due to the high volume of requests, emails may be delayed. If you have not received your email within a few days, please check your spam and junk folders.

Thank you again; we appreciate your patience!
Product: Payday loan, title loan, personal loan, or advance loan

I swear under penalty of perjury that I did not take the referenced loan. This is a case of identity theft. On or about XX/XX/year> I checked my credit report to find that there was a fraudulent account from XXXXCNG for a personal loan that I did NOT take out. I investigated to learn that XXXXCNG/XACT.com illegally permitted someone to use my personal information to take a fraudulent loan. I learned this was done using XACT.com 's online website. This a high interest loan for which I had no need. I contacted XACT to report that the loan was fraudulent on XX/XX/year>. They informed me they would investigate. As of this writing, the past due amount is {$5300.00} and increasing rapidly. I spoke with XACT.com customer service agent named XXXX on XX/XX/year>. He was not helpful. I filed an identity theft report with the federal trade commission on XX/XX/year>. I filed a police report with the XXXX XXXX ( OH ) Sheriff 's Dept on XX/XX/year>. I am submitting an Identity Theft Notification and Affidavit with the State of Ohio Attorney General Consumer Protection Section. My XXXX  score was above XXXX when XXXXCNG/XACT permitted someone to use my identity illegally to secure a loan. I want this rectified. I am 58 years of age, with decades of credit history with XXXX  late payments. XACT is now reporting this to the credit bureaus and it is destroying my credit, showing as missed payments and accruing high interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance paid off my XXXX after an accident but XXXX XXXX has it as a charge off on my credit report and has caused my score to suffer tremendously and really has limited my financial flexibility! This loan has been paid off and I want this reflected in my credit report! In the notes when I click on that account through XXXX XXXX  it says that it has been paid off and dispute has been resolved! I also got a letter from XXXX  XXXX saying that it was paid off and this was XXXX off last year. Im not understanding y 7-8 months later it still hasnt been reported to my credit monitors!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$3000.00}. Please delete.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account Number:XXXX
Product: Mortgage

I received partial claim paperwork for loss mitigation that I needed to fill out. Once I filled it out and returned it to my mortgage company. They informed me that some items on the partial claim paperwork were incorrect, and I would need to have it modified. I inquired as to when my payment plan would start then as the time for me to submit the paperwork would be after that. I was told to not make any payments until the partial claim for my FHA mortgage modification was approved and I would be advised of when to make payments. XXXX months after what it was approved I was to begin making payments, but instead the mortgage company relayed to me that I needed to make the payments from XXXX months earlier. When I advised them that I was told not to make a payment and had documentation of that, I was told there was some miswording. In addition, I came upon the information that this mortgage company since having bought from my previous mortgage, lender has been holding escrow instead of releasing it to me. When I asked for the funds to be released, they stated it was against company policy to release escrow when there is a default amount due, this default amount is due only because they changed the date of the payment plan and are not honroring their word. They additionally, check out home insurance on my property when I already have home insurance and have been charging me for that.
Product: Money transfer, virtual currency, or money service

Was sent a check by the IRP compensation fund for Bank of America for {$4000.00} and some change with a letter, stating that if that wasn't sufficient to me that I could apply for additional funding, which I took the opportunity to do so, but was asked for supporting documentation when. Due to living situation, I do not really have stable documentation but can be verified through paper trail. Don't understand why I need to produce that I should be given additional compensation.
Product: Checking or savings account

On XX/XX/2021, I applied the {$100.00} of $ XXXX boost on a XXXX order. However, on XX/XX/2021 morning, I received notification from XXXX that the order has been cancelled. I contacted XXXX and was informed that the order was cancelled since they were not able to verify the payment with the card issuer, which is CashApp. I was informed that the money was never taken out from my account as if the transaction/order has never happened. XXXX informed me that it was the bank that declined the transaction. I tried to locate the transaction in the transaction history tab but could not find anything. 

Since the order did not go through, I would like to use the {$100.00} off XXXX elsewhere. However, I could not locate the XXXX anywhere in the App. I would like to request to add the XXXX back to my account so I could use it. I am asking to have the XXXX applied to my account so I can add it to my card, since I have met the condition of unlocking the XXXX. Im eligible to use it, and I havent used it yet. Just want to reiterate that I am not asking for a reimbursement of the XXXXXXXX, and this is not an issue about a XXXX not been correctly applied to a given transaction. All Im asking for is to add the XXXX, which I am totally eligible for and have not used yet, to my account. 

I have chatted with several customer service representatives, including XXXX and XXXX, trying to resolve the issue. However, I was given random, computer-generated replies, some of which even have nothing to do with my issue. It seems that XXXX, the agent I chatted with, does not even bother to look into my issue and just want to end the chat and dismiss me as soon as possible. After several failed attempts, I was left with no choice but to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX IN XXXX Date Opened : XX/XX/2021 Balance : {$160.00}
Product: Mortgage

I have a mortgage with Caliber Home Loans which went into foreclosure. I made a large down payment and have been making payments every month since XXXX XXXX. Caliber recast the payment arrangement to lower the payments from {$9000.00} to {$7700.00} per month which was approved, and XXXX XXXX, a letter was sent to me stating that as agreed {$9000.00} was to be paid XXXX XXXX, XXXX and every month after that {$7700.00}. The letter clearly states that ALL FORECLOSURE ACTIVITY WILL BE SUSPENDED. However, Caliber did not notify XXXX XXXX XXXX ( the company that does the foreclosures for Caliber ) that there is a payment plan in effect. XXXX ordered a sale date on XXXX XXXX, XXXX and it was tacked on my door on XXXX XXXX. The letter clearly states that all foreclosure activity would be suspended. Going against the agreement, foreclosure activity began before the payment was due. Payment was due Saturday XXXX XXXX, XXXX and sale date was order XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report on XX/XX/2023, and discovered unauthorized inquiries from the following entities : Experian - XXXX XXXX : Inquiry Date XX/XX/2023 XXXX - XXXX XXXX : Inquiry Date XX/XX/2023 XXXX - XXXX XXXX XXXX. : Inquiry Date XX/XX/2023 XXXX - XXXX XXXX : Inquiry Date XX/XX/2023 I did not initiate these inquiries and have no association with the mentioned banks. I promptly disputed these unauthorized inquiries with the credit reporting agencies and am in the process of placing a fraud alert on my credit reports. Your assistance in investigating this matter is crucial to address any potential identity theft or fraudulent activities.
Product: Mortgage

I purchased a home on XX/XX/2023 at XXXX XXXX Title XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
During the closing they collected {$2700.00} for my home owner 's insurance policy through XXXX XXXX. 
90 Days after closing I received a letter from XXXX saying the policy had been cancelled because they never received payment. 
On XX/XX/XXXX I followed up with Wells Fargo who instructed me to contact XXXX XXXX Title regarding the funds. 
On XX/XX/XXXX I contacted the XXXX XXXX Title which informed me that the check had not been cashed and they would reissue another to XXXX but I asked them to hold off until I spoke to my agent about the policy since I was certain it couldn't just be paid. XXXX XXXX sent me an image of a check but I have no proof they mailed the original to XXXX XXXX XXXX XXXX 
During the week of XX/XX/XXXX Upon reviewing the situation with my insurance Agent ( XXXX XXXX ) they informed me I would need to reapply for insurance with XXXX and would have to pay more for the lapse in coverage. The second quote was more than double. I contacted XXXX insurance mutliple times myself and was told they do not send letters or notices for non payment of new policies. 
In order to apply for new insurance I had to get a new XXXX inspection which cost me {$150.00}, and I used that to finally obtain a policy with XXXX XXXX XXXX for {$3300.00}, an increase of {$600.00}. Compounded over the life of my 30 year mortgage, I will pay an additional {$18000.00} for home owners insurance. 
Finally, Wells Fargo sent me a letter last week informing me they were going to charge me for {$1700.00} for the 4 months the home was not insured ( 90 days we thought we had insurance plus the 30 days it took me navigating this mess ). 
XXXX XXXX XXXX refuses to take responsibility for the funds not being dispersed. They eventually sent me the original {$2700.00} from the closing only after Wells Fargo instructed them to do so. I originally asked them to give me the difference in policies ( {$600.00} ) and they refused. 

Total loss right now for XXXX XXXX 's mistake is {$22000.00}. 

{$150.00} for new inspection {$18000.00} {$600.00} per year increase in insurance premiums, assumed compounded over 30 years {$1700.00} for lapse in coverage. 
{$2000.00} for my time ( conservatively XXXX hours )
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate closure of my account with Jefferson Capital Systems, as I believe this account is fraudulent and was opened without my consent or knowledge. I have no association with this debt and did not authorize any transactions related to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reportswith 3 credit reporting agencies. These items were opened fraudulently. Ive informed allparties of the issue & provided the necessary documentation to support my claim. Thecredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law inregard to identity theft. Additionally, the credit reporting agency & data furnisher have notprovided me with any evidence of an open contract, signed contract, or any valid proof thiswas opened, authorized, or created by me. Since this is a strict violation of FCRA laws I needthe items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX  ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  XXXX ,  Capital One  assessed an annual fee of  XXXX  dollars on  my Capital One s mall business credit card. This fee is in return for a benefit of  two  percent cashback on purchases. This annual fee was to pay for this benefit the period of  XXXX   XXXX  through  XXXX   XXXX .     On  XXXX   XXXX ,  XXXX ,  Capital One offe red me a new, different product for the same account  - 1.5 percent cashback with no annual fee. I accepted the product, which they described as an " upgrad e. '' However,  Capital One  refused to refund the annual fee that I had already been charged, or a pro-rated amount thereof, seeing as how I would no longer be receiving the benefit of  a two perce nt rate of cashback.     Therefore, the promotion that was presented as an upgrade actually is not.     This refusal was made by  XXXX , who I was referred to by the corporate office.     I then made the same request to  XXXX , a senior acct. supervisor, who I was transferred to by the disputes department when I attempted to dispute the fee.      XXXX  said she agreed that I should receive the fee refunded but said she had no option to issue it, saying the refund could only be issued if there was an " offer '' available. She said she would escalate my request, but as of today I have not received any call back or refund.
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account has created substantial financial hardship, manifesting in both immediate and long-term consequences. Most notably, this negative mark has led to the rejection of my recent loan application and triggered increases in interest rates across my existing credit accounts. The impact extends beyond mere financial metrics, causing significant emotional distress as I grapple with the implications for my financial future.
Product: Debt collection

Vehicle lease was turned in, was not aware there was a lease turn in fee. No notifications sent to me. Had a XXXX $ fee when I checked my old account which was later taken off due to Honda loyalty buyer and submitted paperwork. Mine and my mothers credit dropped as she was the co signer due to a separate {$20.00} fee that i was unaware of. Tried to resolve it, paid the XXXX $ and they would not take the report off of mine or my mothers credit. Lack of communication on their part and I would never hurt my or my mothers credit score over {$20.00}.
Product: Checking or savings account

Someone call me from XXXX and XXXX attorney office, saying I opened a XXXX acct. Which I never did called and harassed me after I told him I never had one. So he hangs up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX 's back on XX/XX/XXXX stating that this is fraudulent information. Equifax created this dispute in their system as confirmation number XXXX. The Consumer Financial case number was XXXX-XXXX, I asked that this information is deleted & blocked from my credit report, which they did. The results of this complaint are as follows Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation :  Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX XXXX XXXX. The Results of the Reinvestigation were mailed to you on XX/XX/XXXX, please allow XX/XX/XXXX/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please visit us at https : //www.ai.equifax.com/CreditInvestigation/home.action, by mail to XXXX XXXX XXXX, XXXX GA XXXX or by calling a Customer Representative at ( XXXX ) XXXX from XXXX XXXX to XXXX XXXX Monday Friday in your time zone. 
DESCRIPTION OF NON-MONETARY RELIEF The disputed address has been deleted. XXXX XXXX XXXX XXXX MS XXXX. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Now on XX/XX/XXXX, this account has been added back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. 
The inquires that i did not authorize are : XXXX XXXX XX/XX/2022, XXXX XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

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




XXXX XXXX Account number XXXX XX/XX/XXXX {$560.00} XXXX XXXX Account number XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX  Account number XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX {$2400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've decided to file a complaint agent account the credit reporting agencies listed. XXXX and Equifax have both informed me over the phone to send it documentation to support my claims of identity. I have done so, 4 times now and gotten no results or responses. I recently called and spoke with representatives for each company who were both located outside of the US, so of course there were not able to locate my documents. I've attached new and relevant documentation to this claim, please send them to both companies. XXXX has been very helpful and complaint.