23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

FOLLOW UP TO Complaint Number XXXX On XX/XX/XXXX I received a warning threatening letter from XXXX regarding XXXX above fraudulent transactions and identity theft that occurred on my XXXX account XXXX 
On XX/XX/XXXX I informed all the financial institutions involved in these disputed transactions. Chase on XX/XX/XXXX informed me that numerous attempts were made and they were all denied. 
XXXX was dismissive of my complaints and claimed that the charges were reflective of my history with XXXX. 
On XXXX XXXX acknowledged unusual activities on my account. 
On XX/XX/XXXX I received an alert from Chase Bank that the sum for one of the many fraudulent transactions was charged to my Chase credit card ( sum of {$6900.00} ). This credit card is the third card issued by Chase since XX/XX/XXXX and during this period I had {$0.00} balance until XX/XX/XXXX. 
I did not make these fraudulent transactions including the fraudulent charge for {$6900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tired to dispute a car loan that was opened/co-signed in my name by a former spouse. During the time the loan was opened I was XXXX so there is no way I can possibly have opened the loan. I have documents to prove that as well and will add those to my compliant. I have tired 3 times now and can not seem to get them to remove it. The documents will show I was in XXXX  on XX/XX/2016. I had trial XX/XX/2016 and my XXXX was XXXX months which would make no sense as to how I would be able to get a car loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report there are many derogatory items that do not belong to me. Please remove these items from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OPN XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.
Product: Credit reporting or other personal consumer reports

the following items were obtained without my knowledge XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report, score is not showing up to lenders. I have called and was told to send my ID, Social card and ID.I have supplied the information and the problem has not been fixed in a timely mattier.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. XXXX5 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY TRANSUNION CREDIT REPORT THERE ARE 26 HARD INQUIRIES THAT I NEVER AUTHORIZED ON MY REPORT. THE DATES OF THESE INQUIRIES STARTED ON XX/XX/2020 - XX/XX/2020. ON MY XXXX CREDIT REPORT I SEE THE SAME TYPE OF INQUIRIES AS I DO THE PREVIOUS REPORT WITH TRANSUNION. I DIDN'T AUTHORIZE ANY OF THESE COMPANIES TO PULL MY CREDIT. ON MY XXXX CREDIT REPORT THESE SAME COMPANY 'S PLACED INQUIRIES ON MY REPORT THAT I DIDN'T AUTHORIZE. I REACHED OUT TO THESE COMPANIES & THEY WASN'T ABLE TO HELP ME. I REACHED OUT TO ALL 3 CREDIT REPORTING COMPANIES & THEIR ADVICE TO ME WAS TO FILE A COMPLAINT WITH THE FTC WHICH TRANSFERRED ME TO THIS SITE. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES TO BE PLACED ON MY CREDIT & THIS IS A TRUE HEADACHE. I AM A XXXX VETERAN WHO FOUGHT FOR THIS COUNTRY & IT IS VERY UNFAIR THAT I HAVE TO GO THROUGH THIS PROCESS. I'M BEGGING YOU GUYS TO PLEASE HELP ME & RECTIFY THIS WRONG THATS BEEN PLACED ON MY NAME. I ONLY RECEIVE A XXXX CHECK ONCE A MONTH IN THE AMOUNT OF {$710.00}. I'M NOT A RICH PERSON SO I HAVE VERY FEW OPTIONS IN MY FAVOR.
Product: Credit reporting or other personal consumer reports

RE : Unauthorized Credit Inquiry XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX  Automotive ( XXXX ) XXXX XXXX XXXX I have recently obtained a copy of my credit report Experian, XXXX, XXXX. It shows credit inquiry by your these company 's that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments have never been late on my report it said late in XXXX and XXXX XXXX set up an auto payment to come out my account via a hardship relief program covid 19 and I have screen shot proven and they let my account slip the cracks and its unfair to me as a customer. I called XXXX and they assured me my account was ok and my credit report will not be affected. Now look!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Negative Accounts : CAPITAL ONE Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}
Product: Debt collection

XXXX XXXX was not completed no response received from XX/XX/XXXX letter. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX Date : XX/XX/XXXX RE : Formal Debt Validation and Cease and Desist Request under FDCPA Account ( XXXX ) : ProCollect Account : XXXX Alleged Creditor : XX/XX/XXXX ProCollect Account : XXXX - Alleged Creditor : XXXX at XXXX XXXX To Whom It XXXX Concern : This letter serves as a formal request for complete debt validation pursuant to the Fair Debt Collection Practices Act ( XXXX  ), XXXX XXXX. XXXX ( b ). 
I am requesting that you cease all collection activities and provide the following documents within XXXX  days of receipt of this letter : REQUIRED DOCUMENTS FOR VALIDATION : Complete Chain of Custody : Documentation identifying the full chain of assignment from the original creditor to your agency, including all dates of transfer and authorization to collect. 
Itemized Statement of the Debt : A complete and itemized breakdown of the alleged debt, including all charges, payments, interest, and fees assessed. 
XXXX XXXX XXXX : A copy of the original agreement or contract bearing my signature that legally binds me to this alleged debt. 
Proof of Authorization to Collect : Documentation proving your legal standing and written authorization to collect on this debt in my state ( Texas ). 
Debt XXXX License : A copy of your current and valid Texas debt collection license, issued by the Texas XXXX XXXX XXXX XXXX XXXX ( OCCC ). 
Proof of No Insurance Claim Filed : Confirmation that no insurance claim was filed and reimbursed on this account, which would nullify my obligation. 
IRS XXXX Disclosure ( if applicable ) : If this debt has been charged off, please provide proof including IRS XXXX XXXX of debt form ( XXXX ). 
XXXX XXXX XXXX : Proof of my written authorization allowing your agency to report any information to any XXXX XXXX XXXX ( CRA ). 
CEASE AND DESIST NOTICE : Effective immediately, I am exercising my rights under the FDCPA XXXX XXXX. XXXX ( c ) by demanding that you : Cease all communication with me, my family, or my employer. 
Remove any and all accounts from XXXX, XXXX, XXXX, and XXXX that relate to these alleged debts. 
Refrain from any further attempts to contact or collect unless full validation is provided and the debt is legally proven to be mine. 
Failure to comply with these demands XXXX result in legal action, including but not limited to complaints to the Consumer Financial Protection Bureau ( XX/XX/XXXX), the Texas Attorney General, and potential civil litigation. 
Please send all requested information in writing to the mailing address listed above. This is a formal dispute of the alleged debts and request for validation. Any attempt to collect without proper validation is a direct violation of federal law. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX / DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all XXXX credit bureaus. 
The account is inaccurate as well as violating my rights as a consumer.
Product: Checking or savings account

In XXXX navy federal placed inquiry on my credit for reasons I am unaware of my personal information has been compromised prior I asked navy federal why as I am not the one who did this they refused and said I had to call XXXX I did so and they advised the steps needed to dispute
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXXXXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1000.00} XXXX XXXXXXXX XXXX XXXX  {$2900.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letter in the last 60 days without a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.
Product: Mortgage

Dear Sir/Madam, Iam writing to file a formal complaint against Triad Financial and their Attorney regarding their deceptive and unfair practices related to the sale of my home. I have a mortgage account with Triad Financial under account number XXXX, Iwas informed by the Consumer Financial Protection Bureau that Iwould be allowed to sell my home before it goes into foreclosure. Iwas told Iwould need to work with their attorney the XXXX XXXX XXXX to do so. In the letter Ireceived from the Consumer Financial Protection Bureau it provided the response from Triad Financial stating they contacted their foreclosure attorney and asked that my file be set aside to allow me time to sell my home and Iwas to refer to correspondence from the attorney for the official timeline of the 90 days. To date XX/XX/year>, I have yet to receive a letter, telephone call, email or anything else from their attorney advising me and my Real Estate Agent of a timeline or anything else. My Real Estate Agent and Iplaced a call to the XXXX XXXXXXXX XXXX to get particulars on how to handle the sale as we had a buyer ready to purchase. We were told by XXXX that they just received the paperwork and were processing it and would be ni touch with us. We never heard from them. 
Following this, Ilisted my home again and received acouple offers, which Isubmitted to the law firm for approval. Despite the offers being reasonable and in line with market conditions, the constant delay in response to the offers caused the buyers to withdraw their offers and walk away from the deal. 
Ibelieve that Triad Financial and their attorney is engaging in deceptive practices, possibly with the intention of forcing the foreclosure rather than allowing a fair sale of the property. Their actions are causing unnecessary stress, financial harm, and causing me distress and Ifeel misled by their initial promise to allow the sale of the home. When Itried to contact Triad Financial Services directly to advises of their lawyer 's practices Iwas referred to their attorney and advised Ihad to deal directly with their attorney only and they could not speak to me concerning this matter. 
Ikindly request that the Consumer Financial Protection Bureau investigate Triad Financial Services for their failure to act ni good faith, their delay ni response to respond to reasonable offers, and their potential violation of consumer protection laws. Iam seeking assistance to ensure that Iam able to sell my home without further obstruction and avoid foreclosure. 
Enclosed are copies of the offers Isubmitted for their review and emails from my Real Estate Agent trying to get an answer fi we had a deal for the buyers. Iwould appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the ongoing inaccurate reporting of an account with XXXX XXXX XXXX on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX TransUnion Report Details : High Balance : {$29000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Joint Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Repossession Creditor Remarks : Payment after Repossession Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX  Month ( XXXX ) Past Due Amount : {$0.00} Account Type : Auto Loan Payment Frequency : Monthly XXXX XXXX XXXX {$0.00} Specific Issue : This account was charged off on the following date : XX/XX/XXXX. Since that date, the account has been repeatedly updated as " charged off '' every month. These repeated updates in the payment history are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, it should not include an active payment history. The continuous updates falsely extend the statute of limitations on this debt, causing harm to my credit standing. 

Violation of Rights : I have previously requested that this matter be investigated twice, but your neglect to address the inaccuracies has resulted in a violation of my rights under XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy. The continued reporting of inaccurate information after multiple requests for correction is unacceptable. 

Demand for Deletion : Given the persistent inaccuracies and the failure to correct this issue, I am now demanding the deletion of the account from my credit report. The following account details must be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reporting Agency : TransUnion Requested Action : I urge the CFPB to take immediate action by ensuring that the creditor, XXXX XXXX XXXX, conducts a thorough investigation and deletes this account from my credit report. Failure to do so will compel me to explore further legal avenues to protect my rights. 

Thank you for your prompt attention to this serious matter. I expect to receive confirmation of the deletion and correction of my credit report as soon as possible. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I applied with BBVA Compass for a checking account. There was a promotion involved that if I direct deposited {$300.00} or more into the account within 60 days I would receive a {$200.00} bonus. The bonus was due to be paid within 60 days of the account being opened. I opened the account in the beginning of XX/XX/XXXXand a {$300.00} direct deposit from my employer was posted on XX/XX/XXXX. It's been almost 90 days since the direct deposit came through and over 90 from when the account was opened. I contacted BBVA twice after the 60 days was up and they said I would receive a call in 3-4 business days each time. I was told my account met all the requirements for the bonus, but I have not yet received the bonus or any follow up phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

After ordering a credit report from XXXX. I observed these UNVERIFIABLE items on my personal profile after receiving a copy of my report. I saw many items that are deceptive to me about my credit report. XX/XX/, is the name of the letter I wrote to the three credit bureaus. I believe they violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to validate these items. I mentioned this in my most recent request and I'm hopeful that it would help get rid/ correct of the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, US DEPT ED XXXX XXXX XXXX {$17000.00}, US DEPT ED XXXX XXXX : {$9100.00}
Product: Vehicle loan or lease

I came in good faith as an applicant and applied for automotive financing through bmw financial services on XX/XX/2022, BMW financial services willfully discriminated against me during this credit transaction. Please See Attached
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX as put things on my credit that do not belong to me I believe I'm being targeted for some reason I see inquires that do not belong to me I see incorrect information like addresses and I tried to dispute so many times I sent in proof and still they will not delete the incorrect data they are forever selling my information and would like it to stop.
Product: Mortgage

Where do i start. Terrible customer service. Applied for a refinance on their websit. They couldnt set it up as I requested. I sent email after email for them to get it right. They never did. 30 days passed by they cancelled it. Told me to reapply. I asked about the XXXX credit that they advertised and they told me the offer expired. So they didnt help me when I applied the first time getting my application wrong not fixing what I requested no where near a timely manner and then I couldnt get the deal they advertised because they cancelled my application. So now I was out the XXXX XXXX account credit, paying the higher rate on my current mortgage by 2 months and they basically told me I was out of luck. Thier loan officers are incredibly useless and I wouldnt recommend anyone trying to get a mortgage with them. Their slogan should be WORST MORTGAGE no better. Then I went shopping. Found a lower rate and better terms. Sent them the loan estimate to match it and give them a ***** They couldnt. Told me to send them the CD and mortgage from the deal I did get after I closed and I would get XXXX check sent to me. Now Im being told because the mortgage they offered me was a higher rate and the rate I received from the. New mortgage company was lower and a better deal all around I dont get the XXXX because its not the same deal they offered me? What sense does that make? Thier deal is if they cant match they will pay XXXX well they couldnt match and I got a better deal and they still wont honor their word?
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Accounts and Student Loans Fraudulently Opened by Ex-Husband I am filing this complaint to report several accounts and student loans that were unlawfully opened in my name by my ex-husband without my knowledge, consent, or authorization. These actions have negatively impacted my financial standing and credit profile. The fraudulent accounts include : Student Loans : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX Other Unauthorized Accounts : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX - Account Number : XXXX I request that the CFPB investigate this matter, as these accounts were fraudulently obtained without my permission. I have not benefited from these loans or accounts, and I should not be held responsible for any balances or derogatory marks that these creditors have placed on my credit report as a result of this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT, I NOTICE THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.