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

I am writing to formally report an issue of identity theft related to a student loan that has been fraudulently attributed to my name. Despite multiple attempts to resolve this matter, XXXX XXXX has failed to provide the necessary proof of my signature or ownership of this loan. 

Since 2021, I first contacted XXXX XXXX to dispute the debt which has been falsely added to my credit report. Since then, I have made repeated requests for documentation verifying my ownership of the loan. XXXX XXXX has not provided any satisfactory evidence to prove that I signed for or own this student loan. 

The actions taken by XXXX XXXX have had a profound impact on my credit and livelihood. The unwarranted debt has resulted in significant financial stress and has violated my rights. As such, I urgently request that XXXX XXXX remove this fraudulent debt from my credit report immediately. 

Thank you for your prompt attention to this matter. Please confirm the removal of this debt and provide any additional steps required to resolve this situation. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX Our home was and neighborhood was directly impacted by an F3 multivortex tornado clocked in at 166mph that severely damaged our home, that of our neighbor, and killed a XXXX old man who was sheltering in his home. Our insurance company was immediately made aware and a claim was filed. The insurance proceeds were sent to our mortgage lender on XX/XX/XXXX to set into an escrow account of funds would be released to our General Contractor for repairs. The first check was sent in the amount of XXXX for roof repairs which were completed in in the first week of XXXX. The inspector was notified by the mortgage lender and arrived on XX/XX/XXXX the estimated completion percentage at the time of the mortgage inspector was roughly 35 %. The second check was released in the amount XXXX for second wave of repairs to in the side of our home. Check was deposited and withdrawn by our GC, now we are pending lights and gas permits time frame unknown. During the time that mortgage company had reluctantly not released the adequate amount for funds our home to be repaired, out home had taken in more damage then what was done by the tornado. The mortgage company has refused to release the rest of the funds until we can reach 95 % percent completion of the home but we are not able to due to funds being released and or the amount is not substantial enough for the repairs to be done. We had to be relocated to another home for the time being until we can move back into our home. Our now estimated time of completion of our home is now XX/XX/XXXX due to the mortgage company not releasing enough funds.
Product: Mortgage

XXXX and XXXX XXXX  -current mortgage ( XXXX XXXX has been trying to call Carrington Mortgage and keeps delaying the process and stop taking our calls.
Product: Payday loan, title loan, or personal loan

I had took out some rings with XXXX XXXX I finished paying them off and never showed up in my credit .I decide to trade in one of the rings for a gold chain which left me with a remaining balance of XXXX which i did a payment of XXXX dollars a month when. I was done paying what was owe they kept charging me told me that they had got a lender from somewhere else and was never informed that they were going to do that. I went to complain why did I still owed they told me that they didnt know why they had got another lender when I had enough credit with them that they werent able to help me that I had to deal with the lender I talk to the lender and wanted me to pay exaggerating amount that what I had payed was just interest and the nothing went towards my actual balance.
Product: Credit reporting or other personal consumer reports

This complaint is againt transunion and XXXX who reported score differciattes from XXXX who gives me a XXXX while the bureau score a low XXXX high XXXX critically affecting my ability to secure a line of credit with lender. As a principal to me the agent the credit bureauhas not forfilled the obligation. I woyld like this investigated bases on baised held against Native Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, XXXXXXXX XXXX XXXX did a hard inquiry on my credit in error. In XXXX, XXXXXXXX XXXX XXXX sent me a letter that they were informing TransUnion it was an error and requesting it be removed. As of this complaint, the inquiry is not removed. I have attached letter from XXXXXXXX XXXX XXXX. I've contacted TransUnion several times and they are not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX XXXX {$23000.00} This is a FCRA law violation. I was never late. 

XXXX/XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX Comenity 's website reminded me that a promotional balance of {$470.00} expired on XX/XX/XXXX and that I must pay this to avoid being charged accrued interest. I paid the balance, but only {$17.00} was applied to this balance. The remainder was applied to a different promotional plan that is not expiring soon, and my minimum payment. Comenity 's website offers no way to specify how to apply my payments. I have to message them, but I am met with resistance when I attempt to reapply my payment as intended. I believe their website is misleading and deceptively designed to make it so I can not pay the balance without reaching the expiration date and being charged the accrued interest from the promotional period. 

I faced a similar back and forth with comenity in XX/XX/XXXX regarding a {$920.00} payment on XX/XX/XXXX and {$670.00} on XX/XX/XXXX. 

Ultimately, I have NEVER been able to pay promotional balances with comenity without spending an exorbitant amount of time contacting them to try and apply these payments as intended.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

I asked both agencies to produce documentation showing permissable purposes for said inquiries per Fair Credit Reporting Act Section 1681 ( b ) ( c ). A resolution has yet been made
Product: Credit reporting or other personal consumer reports

Dear CFPB : I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : - All of my hard inquiries need to be removed. 

XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX The following collection agencies have been harassing me. 

XXXX XXXX XXXX Needs attention {$1000.00} XXXX XXXX XXXX error Needs attention {$720.00} XXXX XXXX XXXX error Needs attention {$640.00} Thank you for your assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment.
Product: Student loan

In order to attend XXXX University for the 2 years I did, I was subject to using XXXX XXXX loans to cover the costs of attending XXXX. My loans are up to {$81000.00} from over {$100000.00} because of military reasons. They are currently forcing me to pay them {$880.00} PER MONTH, which take a whole paycheck every month. I do not know who Navient is, but it seems that now I must pay through them at this time, due to some unknown transfers of loans before a certain period of time. I still feel they are blatantly stealing money from me and others, plus forcing people who get paid under minimum wage to pay nearly {$900.00} per month is completely absurd. The company also told me, in the last forbearance conversation, that there are a limited number of times I can postpone my payments, and I am on my last one.
Product: Credit reporting or other personal consumer reports

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

Portfolio Recovery Assistance called me at work requesting payment for an account. After being told that account was fraudulent Portfolio Recovery Assistance harassed me at my place of work for weeks calling over and over again for a payment they are aware is not mine. Portfolio Recovery Assistance has harassed on work hours for many weeks now. Among many other violations harassment on work hours and reporting a false debt are among many of the FCRA violations Portfolio Recovery Assistance has occurred
Product: Mortgage

We applied for a mortgage through Wells Fargo. We were locked into a rate of 3.25 % for the property. Our offer was not accepted initially. A week later, we resubmitted the offer and when we went back to submit our loan application paper work, we were told the rate on the same property was now 3.5 % because rates had gone up. Had this policy been consistent with a previous loan application, it would not have caused us to submit this complaint, however previously we were told rates were locked to a property for 60 days. On a mortgage application with Wells about 3 months prior, we have documentation where a Wells employee told us that if we apply for a loan for the same property within 60 days, Wells has to lock you into the original rate. In this case, the IR had gone down between our initial application and when the loan documents were being submitted.
It can not be fair and honest that Wells Fargo refuses to lower mortgage rates when the IR falls, but insists on raising mortgage rate for an existing application when the IR increases.

As the mortgage business is already under scrutiny for the fees charged to lock rates, I wanted to check if this was a systemic issue and if Wells can be forced to honor their initial bait and switch 3.25 % I have all the documentation, including conflicting rules sent to me by 2 different members of the mortgage and customer service reps.
Product: Mortgage

Wachovia/Wells Fargo Bank forged and put into place a predatory loan modification in XXXX 2009 and hid the fact from my husband and I, the borrowers for over six years. They also manipulated the processing of our mortgage loan payments, escrow account balances, and annual escrow account analysis all in their quest to foreclose on our home which also was involved in a class action defective construction lawsuit which Wachovia/Wells Fargo continues to ignore all while trying every dirty trick to gain ownership of said home. It also appears that Wachovia/Wells Fargo did not legally substitute the original beneficiary which shows as XXXX XXXX XXXX nor did they legally substitute the Trustee from XXXX XXXX XXXX XXXX XXXX XXXX, a California Corporation. Wachovia/Wells Fargo lower level employees and/or sub-contractors have denied my request to investigate the 2009 loan modification for over 6 years when I still have the original, unsigned modification offer in my files. They then were able to produce a copy of the forged loan modification a few months after the supposed Wachovia/Wells Fargo employee that authorized said modification was no longer employed by them. Every time I request a review of my account and the asked for help from Wachovia/Wells Fargo, I have been thwarted. I have been repeatedly told to re-finance or apply for a loan mod, all while Wachovia/Wells Fargo pursues a foreclosure based upon a forged, predatory loan modification. I demand that the CFPB step in and stop this illegal practice, and review every loan modification that was signed by former Wachovia/Wells Fargo employee XXXX XXXX. Her signature on my forged loan modification of XXXX 2009 is a cut and paste job that was Wells Fargo purposely concealed until after she left their employment. Based upon the original terms of my XXXX XXXX Pick-a-Payment, the current interest rate that I should be charged is and should have been charged is significantly lower than what they have established under the forged XXXX 2009 loan modification. My entire mortgage loan amount needs to be recalculated with the correct interest rate charged, which Wachovia/Wells Fargo has refused to do as they claim that my husband and I are lying regarding the XXXX 2009 loan modification. If I were lying, why would I have the original loan modification offer on the original letterhead in my files?
Product: Debt collection

Balance {$1600.00} I am writing to request validation of the debt you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the debt and requesting that you provide me with the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of any agreement or contract I signed that shows I am legally obligated to pay this debt.

4. Verification that your company is legally authorized to collect this debt in my state. 
Please be advised that this is not a refusal to pay, but a request for validation and verification of the debt. Furthermore, I request that all future communication regarding this debt be made in writing. 
Until I receive this information, please cease any collection activities, including reporting this debt to any credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I discovered several unauthorized inquiries on my report, are as follows : 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 Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

To whom this may concern, XX/XX/XXXX Apparently, there is a fraudulent account in my name with my social security number and current home address attached. A judgment in the amount of {$53000.00} has been created against me because of this fraudulent account not being paid ; because of this judgment against me, I am unable to sell my home without paying the lien and move on with my life. According to the credit application, this account was opened XX/XX/XXXX. The company that has placed this lien against me is called Ditech Financial LLC. A couple of months ago I contacted someone by the name of XXXX from Ditech and informed him of my situation, and he made me aware that I needed to dispute the charges. I was also made aware that an investigation would take place soon thereafter. The process of the dispute had me to manually fill out paperwork before a notary and initiate a police report. There were no issues with this process especially since the original paperwork was done manually. The attached paperwork contains the original installment contract, credit application, the title, the dispute denial, and the dispute paperwork which contains my writing. Accordingly, I felt like whoever could clearly see the differences in handwriting since I was able to see the original installment contract that they had on file. So now I am at the point of feeling like I am getting the run around because its getting harder to speak to anyone about this and recently they have stated that my claim has been denied. This is difficult to accept because the handwriting on the application is not mine, and the credit application signature block stated signature on file. To me, this means they did not even sign the credit application! This account was fraudulently created because I was never or had any understanding of the signing process. Therefore, any signature on any of the attached paperwork for credit is not mine and I am without a doubt disputing.
Product: Credit card

On XX/XX/XXXX I was granted credit of {$2500.00} by Carecredit/GE Money. I made four additional transactions of {$1400.00}. Based on high monthly due minimum, after eight years of steady payments I look confident to have paid off this credit. But, every month I see this credit increasing due to crafty billing by Creditor. For example : they charged systematically high so-called Interests on Purchases even when no transaction was made in related billing circle. Moreover Carecredit lured me to sign four years ago a program called ACCOUNTS SECURITY PROGRAM which charged my account of {$36.00} or more a month. I was told the program main purpose was to help credit holder compensate monthly due minimum payments in case of sick leave or jobless time. Just a big lie! Because when I recently moved from XXXX to XXXX and while I am still jobless and struggling to settle here, I wrote several times to Carecredit and Synchrony Bank to claim they activate benefit of my account Security program during this jobless period, nothing. Instead they have not only jeopardized my credit score but also connected all my phones to debt collectors who are, as of today, harassing me by calling any time 7X7 days. In the light of all of above, from XX/XX/XXXX I finally stopped paying monthly due minimum unless this creditor provide me in writing complete credit account billing and payments history from XX/XX/XXXX to XX/XX/XXXX to help me know how much I so far paid compared with current balance credit.
Product: Credit reporting or other personal consumer reports

To whom this May concern Ive had multiple disputes about accounts reporting on my credit report. These accounts have been disputed with XXXX, EQUIFAX and XXXX. I have filed a FTC report and have tried multiple attempts to remove these. I have paid all accounts I ever had as agreed and always paid my bills on time. Someone had access to my name & information while I was XXXX  and putting things in my name. I paid all my bills off and had all my business affairs handled before hand. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Now that Im no longer XXXX  I am monitoring my credit closely and trying to restore my life again. These inaccurate reportings are prohibiting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I previously notified you on XX/XX/year> and XX/XX/year>, that there was information on my consumer report as the result of identity theft. Also that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. In accordance with the law, the requirement threshold is simply : Proof of identity - a copy of my State ID was provided A copy of an identity theft report - furnished from identitytheft.gov, a government agency The identification of said information by the consumer - listed in my last letter but I digress is as listed : As the consumer reporting agency, a block of the information that resulted from an alleged identity theft should have been no later than XX/XX/year>. My request to block was and is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

XXXX XXXX XXXX XXXX.