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

I applied for credit back in 2020 an instead of XXXX or XXXX hard pulls I ended up with XXXX such as 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, credit repair services, or other personal consumer reports

Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : XXXX : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} TransUnion : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to XXXX, he is XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( XXXX )
Product: Money transfer, virtual currency, or money service

I accidentally transferred money from My cash app account to my bank on XX/XX/XXXX. On XX/XX/XXXX a filed a dispute with my bank for them to refund me the money. On XX/XX/XXXX my bank sent a letter of confirmation saying my dispute was successful and that they refunded the money back to cash app and that cash app would be responsible for putting the money back into my account and that the bank would not be liable anymore. Well I still do not have the money in my account and I have opened case after case with cash app and all they say is theres not enough information and they close the case. Ive provided the confirmation letter to them, the transaction id, the trace id, and the merchant operator code that my bank gave me that was associated with the refund to help them locate the funds and put them in my account so for them to say they do not have enough information is laughable. They are just trying to steal my money. Please help me. Cash app is doing nothing.
Product: Checking or savings account

I had about {$1500.00} taken out of my account from a rental company I haven't done business with or heard of. I didnt authorize the transaction and I have disputed it over 5 times. The bank hasnt provided any feasible evidence that shows that I allowed this transaction or that you contacted the company regarding the matter. When asked for additional documentation from Chime as to why the dispute was dismissed, they had documentation with the wrong company information, leading me to believe that the bank was not actually trying to resolve the problem, but falsely told me that they had contacted the company just to not get the issue resolved and get my money back. This entire ordeal has been occurring since XXXX and I have had no other possible routes to take.
Product: Debt collection

Most recently, I contacted Ford Motor Company on XX/XX/XXXX, trying to figure out why the debt was being added back to my credit report after it initially be closed back in XXXX of XXXX. I voluntarily gave back the vehicle I was leasing a XXXX XXXX XXXX XXXX. The car went in to be fixed and during it a recall was issued, for a pin in the steering column breaking causing the steering wheel to become unattached to the vehicle. After, the recall was issued, I did not feel safe or comfortable driving the vehicle, as I was pregnant with my youngest child, and had XXXX other children who needed to ride in the vehicle. I was taken to court by the lawyers at XXXX, XXXX and XXXX, XXXX. located in XXXX, XXXX. They garnished my wages, at first they were taking 25 % of my wages. After, I fought them in court on it, it was dropped to XXXX a week. 
XXXX XXXX was garnished from my wages plus XXXX dollars in garnishment fees. 
XXXX XXXX was garnished from my wages plus XXXX dollars in garnishment fees. 
XXXX XXXX was garnished from my wages plus XXXX dollars in garnishment fees. 
XXXX XXXX was garnished from my wages plus XXXX dollars in garnishment fees. 
XXXX XXXX was garnished from my wages plus XXXX dollars in garnishment fees. Totaling XXXX paid towards the starting balance of XXXX. I also paid XXXX dollars in garnishment fees. When I spoke with XXXX and XXXX the " newest '' owner of this debt, they stated I only paid XXXX. Thats a discrepancy of XXXX dollars. Online they are reporting a balance of XXXX, thru Ford Motor Credit Company, which on XXXX, XXXX, jumped up to XXXX when it opened back up and started negatively impacting my credit score again. Causing me to lose close to XXXX points on my credit score which I had been working towards fixing. When I spoke with Ford on the XXXX, they claimed they didn't have access to my file and they were not responsible for my account any longer and it had been sold to a debt collector. They then forwarded my call to XXXX and XXXX, where I was told all my information would be sent to me and I could " dispute '' anything in the file. When I attempted to speak with the representative. They ignored all I had to say and just continued to tell me, it'll be sent to me in the mail. They also informed me the total balance owed currently was XXXX. Then proceed to say " you're not being charged interest right now. '' My last contact from XXXX, XXXX and XXXX stated my remaining balance was XXXX, that correspondence was sent to me on XX/XX/XXXX and I received it XX/XX/XXXX. I continued to pay the XXXX weekly amount until XX/XX/XXXX that was the last time the XXXX dollars was garnished from my check. Currently, the balance is listed as XXXX which is XXXX higher than what XXXX, XXXX and XXXX reported plus an additional XXXX dollars was paid towards this account after XX/XX/XXXX which is not being reported as being paid. I know where the discrepancy of the XXXX lies. However, when I tried to share this information they just continued to ignore me and push me to be done with the call.
Product: Debt collection

had a collection company name : Optimum Outcomes INC add themselves to my XXXX credit report in the amount of XXXX. I disputed this because I didn't receive any notification on this company at all. I have not been properly notificated I found out when this was added to my credit report. This is against my rights to dispute. Company should not add anything to my credit report without sending me proper notification. Please have this company delected. I disputed with XXXX   and they didn't remove them. Please have this removed. I attached the alert I received on XXXX  and the dispute I requested that was requested not being resolved. 

Company name it shows on my credit report is : Optimum Outcomes INC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX
Product: Debt collection

Good afternoon, my name is XXXX XXXX, I have been receiving letters and calls from creditors trying to collect several accounts that are in my name but that I was not aware of, I have not asked for credit cards I have only one credit card from the that I am responsible with XXXX XXXX XXXX. Please can you help me verify those accounts that are not mine. thank you I mention them below -XXXX XXXX XXXX XXXX. XXXX  XXXX -XXXX XXXX {$2300.00} account ending XXXX -XXXX XXXX  {$26000.00} -XXXX {$850.00} - Capital one bank usa n balance XXXX
Product: Mortgage

Quicken Loan ( Rocket Mortgage ) cornered me, creating monopoly during pandemic. 

My existing mortgage loan is with Quicken Loans. I started the process of refinance in XXXX 2020, with a different lender who offered a much lower rate, no closing costs, no points to buy. In XXXX 2020, when we were about to close the loan and had the final payoff requested from Quicken loans, a Loan Manager named XXXX XXXX contacted me saying he would offer me better package ( lower rate, no closing cost, waived appraisal, no PMI, no points to buy and additional lender credits to cover lender costs ). He said also it would be a quick process since I am an existing customer and asked me for only SSN to get started and provide confirm the offer in minutes. I told him that I am about to close with a different lender and do not want to run my credit. He insisted that his offer was far better and that running credit would not impact anything. I agreed to run credit, received confirmation of the offer and promise he made of lower rate, no closing cost, waived appraisal, no PMI, no points to buy and additional lender credits to cover lender costs. 
The refinance process with Quicken loans started and meanwhile the other lender rescinded the offer due to delay in closing. Quicken loans kept delaying the process with no communication for weeks, while I was still paying high interest loan down to Quicken Loans. 2 months later they told me they would need an appraisal and that the price of appraisal would be added to my loan. When I tried to discuss with that saying XXXX had offered me this package with no appraisal, they threatened to close my application. I was forced to comply and went ahead with appraisal. Now almost 2.5 months later, when Quicken loans is the only lender offering me loan, since the other lender had closed my application long time ago, quicken loans has added PMI to the loan, reduced lender credits and provided 3 different and confusing loan closing disclosures and/or disclosures, with same loan amount but different credits and cost amounts and difference in amounts that I will be receiving at closing. The director XXXX XXXX called me and accepted that it was their fault to offer such a package that they could never honor. I feel cornered and victimized by Quicken Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXXXXXX XXXX, and the other is XXXX for XXXX. 

XXXX XXXX are reporting two accounts that I know are not mine. 

XXXX is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from XXXX and the 3 credit bureaus and also requested a detailed description of what I owe to XXXX *I have never heard of a place called XXXX & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.
Product: Mortgage

Rushmore loan services company repeatedly neglected to renew my wind insurance coverage then enstated their own coverage and charged my escrow XXXX for 6 months premiums. Hours on the phone since XXXX 2016 with the help of my insurance broker I got my own insurance reinstated but they still charged my escrow that XXXX dollars. For " my security '' that do n't do emails. Almost impossible to track my communications and faxes with them. I had to pay inspectors to inspect the house because they let my insurance lapse. I feel this may be a common practice for them to collect some extra revenue. It seems criminal to me. I 've never been blatantly lied to and ignored so bad in my life. Please help and make sure they 're not doing this to other people as well.
Product: Student loan

I am a member of the armed forces that received XXXX XXXX order to a combat zone. XXXX was notified in writing and via phone along with my other two student loan companies of my XXXX and I requested a forbearance until my deferment became active due to financial difficulty ( exact dates and times can be released upon request along with all documentation ). The exact month that I left for combat I have a letter from XXXX stating I was eligible for the SCRA and additional benefits if I were in a war zone, which I was, as long as I sent my orders to them which I did. That same month XXXX sold my loan to ascendium education. Ascendium education has these loans in a defaulted status currently and did so at that time within two months of my XXXX. I was able to do research when I got back and I contacted them with no solution. I am in good standing with my other two student loans and have been who did place my loans on hold. I have researched and found out that part of one of the loans in good standing is owned by ascendium too. How can ascendium state that they didn't know anything? You can look in the national data base and see all of my loans and all of my information. You can also look into the military side of things. This is not hard. So they dropped the ball somewhere but want me, the service member to pay the outrageous interest rate prices that have accrued because they messed up. They violated the Servicemembers Civil Relief Act ( SCRA ) and did not defer some of my loans. They would not listen to me when I tried to explain even though it is in black and white when you look at my account in the department of education national data base. The collections department is constantly calling from different numbers. They call my cell phone, my work and then they are hanging up, threatening, threatening to garnish my wages. I believe this is not only harassment, a violation of ones rights and fraud, it is also a federal crime to a service members right to be protected from such actions. I have written proof. I have proof they were notified. I have proof that they own both of my student loans one in which was placed in deferment appropriately and is still in good standing. They have dropped the ball. All I have wanted was them to take all that outstanding interest off, consolidate and fix those loans, take off all those fraudulent reports on my credit so I can try to begin a more normal life again. They need to be held accountable for abusing the authority they have over individuals money and their credit. Thank you for your support in this matter.
Product: Debt collection

Debt collection is trying to collect {$67.00} for my utilities of WiFi through XXXX XXXX when I know that all of my bills has been paid off when I returned the WiFi equipments. I asked the company if I owed anything at the time of cancellation and equipment return if I owed anything and they said no.
Product: Debt collection

I have called the company to resolve such a huge debt. I had only used about half of the {$500.00} credit limit originally back in the Fall of XX/XX/2017. But, eventually I lost the card and someone was using it causing it to overdraft to over {$5000.00}. I talked with Discover multiple times explaining to them the situation, but they kept ignoring the issue and wanted me to pay all of them overdraft fees that occured due to the lost of my card. I had even put a freeze on it and they changed the account number at least 2 times trying to offer me a new card which I declined. I only want to be responsible for that {$250.00} I used on the account, no late charges or anything. Just that amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian, XXXX, and XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activity on my credit report. After reviewing my credit report, I have discovered several inaccuracies and fraudulent entries that have severely impacted my credit score and financial standing. 

Upon reviewing my credit report from Experian, XXXX, and XXXX, dated XX/XX/year> for XXXX XXXX ( XXXX XXXX XXXX ) account number # XXXX,, I noticed several accounts that I did not authorize or recognize. These accounts include unconsented loans. Furthermore, there have been unauthorized inquiries made on my credit report, which suggests potential identity theft. 

I have taken immediate action to dispute these fraudulent entries by contacting the respective creditors and providing them with the necessary documentation to prove my innocence. However, despite my efforts, these fraudulent accounts remain on my credit report, causing significant distress and hindering my ability to access credit when needed. 

I demand that Experian, XXXX, XXXX conduct a thorough investigation into these fraudulent entries and take swift action to remove them from my credit report. Additionally, I request that you provide me with a written explanation of the steps taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Furthermore, I request access to any information or documentation related to the investigation of these fraudulent activities, as well as any measures taken to prevent similar incidents in the future. 

I expect prompt attention to this matter and a timely resolution to restore the integrity of my credit report. Failure to address this issue promptly will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse. 

Please acknowledge receipt of this complaint and provide me with a timeline for the resolution of this matter. 

Thank you for your prompt attention to this urgent matter. 

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

In accordance with the fair credit reporting act ( XXXX XXXX Acct # XXXX ) has violated my federally protected rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

My mortgage, loan number XXXX ( under XXXX and XXXX XXXX, my grnadparents, with me as an authorized user ), originated with XXXX XXXX XXXX and then transferred to XXXX  XXXX XXXX, was finally purchased by NationStar / Mr Cooper years ago. When the mortgage transferred from XXXX  XXXX XXXX XXXX NationStar / Mr Cooper, I picked up the new Mr Cooper lien, but the old XXXX   XXXX XXXX XXXX was never removed by Mr Cooper, who is under jurisdiction to remove the lien according to XXXX  XXXX XXXX. I contacted a Mr Cooper a month ago to remove this lien and they said they would pass the request onto their research department, who I could not speak with directly. After waiting a month for a response, Mr Coopers research department finally responded to me via email only referencing the Mr Cooper lien, not the XXXX XXXX XXXX lien. So, after a month and probably 15 calls to Mr Cooper to follow-up, it turns out they did not even get my request correctly. This is gross incompetence and I need assistance in getting this resolved, so that I can more easily refinance this loan. Please help.
Product: Payday loan, title loan, personal loan, or advance loan

I was inquiring about a possible loan in XX/XX/XXXX. I attach my checking account to the process as it was required. I received a charge on the next day about a membership fee in the amount of {$97.00}. I contacted them immediately to resolve this and requested a refund on XX/XX/XXXX for this unauthorized transaction ; theysent me an email sayingit was canceled. I never saw a refund so onn XX/XX/XXXX i chat with someone and I received a link to get my refund but never heard back from anyone. I contacted the again on XX/XX/XXXX and XX/XX/XXXX. I received a response stating I was in eligible because it wasn't within 14 days of the transaction. I feel as this was a bait and switch just to get money. My was unaware of any membership fee and once I did and requested my money they made it harder to get it back.
Product: Mortgage

I refinanced my house to convert my home equity line of credit into a fixed rate mortgage. US Bank financed my home equity line of credit and requested home insurance information. I contacted my home insurance company and they provided the information to US Bank. US Bank claims they did not receive this information so I submitted via another portal. In the meantime my mortgage closed, was funded and the home equity line was paid off. US Bank applied a fee for home insurance to my account 2 days before recognizing the full funding/repayment of the home equity line. They now show an exorbitant amount due to them for home insurance they applied plus interest that is precluding my account closing even though they are no longer the lien holder. I have spent many hour on hold trying to resolve this with them and have yet to come to resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is reporting that I have a account with XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). Transunion has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX