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

RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), Equifax, XXXX and XXXX are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my report that I did not authorize from XXXX XXXX XXXX XXXX dated XX/XX/2017.
Product: Debt collection

I hope this letter finds you well. I am writing to you regarding two accounts that appear on my credit reports. The details of these accounts are as follows : 1. Account Number : XXXX Status : Collection account Balance : {$330.00} Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX 2. Account Number : XXXX Status : Collection account Balance : {$450.00} Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 Section 602 states that I have the right to privacy. 15USC1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled my paid subscription with Equifax and XXXX last month. Around the same time, I launched a complaint against Equifax and XXXX for reporting inaccurate information on credit report. 
However, I didn't close my credit monitoring accounts completely. Once, I canceled my Paid subscription with Equifax and XXXX I was no longer able to log in or access any of the free products .When I tried to access the free products such as XXXX XXXX or when I wanted to put a freeze on my credit reports I was given a phone number to Equifax and XXXX and instructed to call them. I called them and they verified all of my personal information with the automated systems. Then i was asked about four questions relating to accounts I may or may not have. Each time I answered the questions the automated voice system said that they were unable to help me. I was unable to speak to a representative. I know what accounts I have and don't have. I am positive that I answered all of their question correctly. It is very frustrating that I am unable to speak to a real person when I call. It is also very suspicious timing that I am unable to access my credit report right after I canceled my Paid subscription. I only canceled temporarily because of financial reasons. I still need to have access to my credit report and or free products on a daily basis. I feel that I am being punished by Equifax and XXXX because I filed a complaint and stopped paying them. Please help me.
Product: Student loan

I signed up for an Income-Driven Repayment Program in XXXX, 2017. I was able to keep those payments current until I was forced to take a XXXX  XXXX from my job. When I contacted Navient to report that I would be unable to make my payments, I discovered that my payments actually increased ( which I was never told ) and they gave me no other options that could help my situation. 

I have repeatedly reported to Navient that I have XXXX  XXXX XXXX XXXX XXXX and am struggling physically, emotionally and financially. Meanwhile, they continue to harass me. I was just given an ultimatum that I needed to pay {$6300.00} by this past Friday or I would be facing legal consequences. All the while I keep repeating to them that I just don't have the funds. 

Please help.
Product: Checking or savings account

Between XX/XX/22 and now, Bank of America has unlawfully opened 3 checking accounts using my information. They have since closed them, but that was only after multiple phone calls and my credit being checked. When I called, I was transferred multiple times and had to talk to 5-7 people to get the accounts closed.
Product: Debt collection

PDM continues to harass us over a bill we paid on time over two years ago! 
They have gone as far as to call our relatives trying to collect. 
We already checked with the entity ( XXXX ) six months ago and they checked their records as well, saying we do n't owe. They also told us they never contracted PDM to collect this dept ... so why is PDM involved? How did they get this information? 
XXXX OF THE XXXX EARTH!!!
Product: Bank account or service

I am a bank of America customer for many years ; during these years, the bank has been taking my money by the way of over draft. They do not show any pending transaction online and as soon as I make a payment they will post overdraft fee the next day. Yesterday, they did the same thing with XXXX {$35.00} overdraft fees. I am sick and tired of their cruel tricks and embezzlement of my money. I have XXXX children and struggle with life and banks were suppose to be helpful and supporting. I need help to put a stop to this. They hold back my payments until they can get me on overdraft. Oh, by the way, they approved a payment knowing that my fund was low and immediately they post the overdrafts fees the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified the CFPB and Experian that I am a victim of identity theft. Experian 's response is that they need authorization to proceed with my complaint. I did check off the box at the end of the submission that say 's I give auth. therefore, I XXXX  XXXX give Experian authorization and permission to proceed with my complaint. Please see attached FTC and identification and social security card
Product: Credit card

Details of the Problem : On the night of XX/XX/year>, I made a purchase on the website XXXX XXXX XXXX. The site turned out to be fraudulent, and my credit card details were stolen. The next morning, I received an email from my bank about suspicious activity, with two attempted charges of {$1000.00} and {$990.00}. I reported that these charges were not authorized by me and blocked my card immediately. 

Upon reviewing my statement, I discovered two successful transactions made by the fraudsters that night : one for {$180.00} and another for {$970.00}. I contacted the bank to dispute these charges, and an investigation was initiated. The bank informed me that the {$180.00} would be refunded but the {$970.00} would not be refunded because the bank determined that this payment was made by me. I received the investigation report and found at least 12 discrepancies and errors, indicating extreme carelessness in reviewing the materials. 

One significant error was the inclusion of a fake rental agreement in the investigation report. To prove this, I am attaching a copy of my original rental agreement. 

I wrote a letter to the bank detailing these errors and sent it to the address provided in the investigation report. It has been two months, and I have not received any response. I am now left unprotected, and I am currently paying off the debt on my credit card while the fraudsters are enjoying my money. 

Actions Taken : Contacted the bank and reported the fraudulent transactions Received a partial refund of {$180.00} Sent a detailed letter to the bank highlighting errors in the investigation report ( no response received for two months ) Requested Resolution : I request that the bank reopens the investigation into the {$970.00} transaction and considers the discrepancies I have pointed out. I believe the bank can correct this situation and ensure that I am not held responsible for fraudulent activity. I seek a prompt resolution and a refund of the {$970.00}. 

Supporting Documents : Copies of emails from the bank about suspicious activity My letter to the bank detailing investigation errors The investigation report from the bank Credit card statements showing the disputed transactions A copy of my original rental agreement, proving the document in the bank 's report is fake Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX  XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXX Automotive XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Finance , personal XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance Companies - non specific XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian selling my information insurance fraud and tax fraud with a major corporation selling it on my information to anyone that wants to buy it FCRA violations selling to debt collectors that wrote the debt off to get tax break
Product: Student loan

Co signed loan for nephew. He repeatedly fails to pay. XXXX had his employment and contact info but harass me daily with calls every 1/2 hr. How can they be forced to contact 1st signer and make repayment demands?
Product: Vehicle loan or lease

Our XXXX used XXXX was purchased that year in XXXX XXXX, MO ( suburb of XXXX ) and titled under both my husbands and my names. 

The car was paid off at the time of my husbands death on XX/XX/XXXX. If he had ever received a lien release, Ive never seen it, and Ive kept this cars folder with the bill of sale, Missouri title, and acknowledgement of our loan with TD Auto Finance, at that time headquartered in XXXX, CA. 

I have never been billed by TD Auto and renewed my XXXX license plates later in XXXX before I moved out-of-state. 

This last XXXX, XXXX, Ohio, where I live now, told me I could not get plates here until I had the car title changed from both our names to just mine. I just had to produce the lien release on the car. When I told them I couldnt find one, they directed me to call TD Auto. 

When I called their customer service number, I was told to FAX them a copy of Bills death certificate, written proof of my ownership of the car, and a cover letter giving them the PIN number of the vehicle and my request for a lien release.

I did all that and heard nothing for just under one month. I finally called back, was told their legal department denied the request because my lawyers letter was not signed nor notarized. I called him, he resent the letter, now signed and notarized, the next day. 

Once again, no one called me, so I called back and they told me they never received the second letter. We all double-checked the FAX number ( including my lawyer ) and tried again. 

Two weeks passed before I called back. That was now XX/XX/XXXX, and I spent FOUR HOURS on the phone working on this issue. I called, in order : 1. My title office here in XXXX XXXX, Ohio, to see if they had received my lien release. -No, they had not. 
2. XXXX Auto Finance customer service to see if they had my lawyers letter yet and if their legal team had approved it. 
-No, they hadnt received it yet. 
3. My main bank, XXXX Bank in XXXX and XXXX MO, to ask if they would check the last 4 years of my checking account to see if I had paid TD Auto off that summer after my husband died. 
-No, no bills or payments had passed through the account in that time, indicating the car had been paid in total before Bills death. 
4. The State of Ohio in XXXX to make and appeal, or learn a new direction to take for my impasse. 
-Well, the finance company still holds the power until they give you that lien release. Why dont you call Missouri XXXX where the car was titled? 
5. The State of Missouri, where I was told the same thing. 

Now, Ohio informed me late last week that Michigan now had authority over this company, so I called them yesterday. They told me TD Auto Finance pulled their license from Michigan in XXXX. She didnt know if theyd been bought out, but said the parent company was TD Bank NA , a national company. 

She told me to file this complaint with you. The VIN number of my car is : XXXX XXXX XXXX. XXXX
Product: Credit card

My electronic signature was reused without my direct approval on several occasions by XXXX XXXX XXXX employees, facilitated by XXXX XXXX XXXX in their role as an agent for Wells Fargo Bank , N.A . The reuse of and unauthorized E-Signature actions led to financing agreements and modifications processed through Wells Fargo, violating federal and state laws, including the E-SIGN Act. 

Details of Violations XX/XX/year> ( Original Agreement ) : Signature ID : XXXX IP Address : XXXX My electronic signature was applied to the original agreement without full disclosure of the terms. This action initiated a financing arrangement with Wells Fargo based on incomplete and unauthorized documentation. 
XX/XX/year> ( Modified Agreement ) : Signature ID : XXXX IP Address : XXXX My electronic signature was fraudulently reused to modify the original agreement. This modification was handled remotely by XXXX XXXX XXXX support team over the phone, altering the financing terms with Wells Fargo without my explicit authorization. 
XX/XX/year> ( Additional Modified Agreement ) : Signature ID : XXXX IP Address : XXXX While visiting XXXX  Discount Furniture, I observed a sales representative applying my electronic signature on their tablet without my consent to process a change request. This action bypassed authentication protocols and altered financing terms with Wells Fargo under false pretenses. 
XX/XX/year> ( Further Modified Agreement ) : Signature ID : XXXX IP Address : XXXX My electronic signature was reused for the XXXX time yet again by XXXX  Discount Furnitures support team over the phone to further modify financing terms with Wells Fargo. This occurred without my knowledge or approval, violating legal protocols for consumer authorization. 

Additionally, I created a new XXXX account on XX/XX/year>, using the email address tied to these agreements. This account showed no records of signed documents, further proving these agreements were fraudulently executed. Wells Fargo relied on these unauthorized agreements to establish and modify my financing obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on XXXX and TransUnion dropped drastically. XXXX   dropped 74 points from XXXX down to XXXX and TransUnion dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, XXXX raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you
Product: Checking or savings account

On cash app I had a lot of fraudulent transactions I contacted the merchant who refunded a few but claimed they couldnt refund the rest to dispute them with bank for refund. I provided that email to cash app also yet they keep denying saying I authorized transactions with XXXX XXXX XXXX  and few others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from Infinity of XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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.
Product: Mortgage

I have been paying an interest only for ten years on XXXX trusts for my house at XXXX XXXX XXXX XXXX XXXX, XXXX One of the trusts, an equity account set up by the company, Wells Fargo Bank , at the time of closing on the mortgage, is now in fixed rate status. The other one, the home mortgage, is set to for going market rate in XXXX, 2015. While prior modification applications have failed, I thought Wells Fargo would give me a fixed interest rate when the current rate was due for re-setting. Instead, what Wells Fargo gave me is a 12-month variable rate which would be reassessed on the property annually. Even the rate went from 5.75 to 3.0, I think it is predatory because assuming the going rate for next year is 7.0, that is how much I am going have to pay and when I am unable to pay, I would my house after paying more than {$200000.00} in interest only arrangement. Please step in to protect one more vulnerable customer. 
The names on the Mortgage are : XXXX XXXX XXXX and XXXX XXXX XXXXThe Mortgage Account Number :XXXXThank you for your timely assistance.
Product: Mortgage

I have been in foreclosure 10 years, XXXX XXXX are suing me now through assignments of mortgage. I have since found out via the internet that XXXX XXXX who is stamped on my note as an assignment of mortgage from Chase Bank, never signed any notes, nor did he have a rubber stamp. XXXX XXXX in a deposition for another case states he never had a rubber stamp made, he did not sign any promissory notes and that is not his signature. This appears to be fraud by Chase Bank trying to take property illegally... again. Also from my case being filed I have told the courts that is NOT my signature on the note. We are trying to get a rehearing for this case but at this point I feel the FBI need to take a look at this and the XXXX XXXX deposition which I am sending you along with this complaint. My loan is with XXXX XXXX XXXXXXXX series XXXX and has been since I signed for my loan in XXXX, therefore Chase should never have taken this action against me. 
Hoping something will be done to protect both myself and thousands of other consumers losing their homes to fraudulent banks like this. My home is being stolen right from under me in broad daylight and the banks are getting away with it.
Product: Student loan

I was not notified in a timely manner that my income driven repayment was ending and due to that i was forced to do a forbearance. They sent me notices stating i had to start making a very high monthly payment or they were going to start reporting to the credit bureau that i am not in good standing with my student loans. I told them that i was out of work and that i was on XXXX and i cant afford the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through XXXX XXXX I found a Hard Inquiry on XX/XX/2018 from XXXX XXXX XXXX XXXX. It is located in XXXX Florida XXXX ( # ( XXXX ) XXXX ). I contacted them and they said they have never had an application or an account with me. They also claimed that this is a known " glitch '' through XXXX XXXX and TransUnion. 

After more research I tracked down this also has to do with XXXX XXXX. I contacted them ( XXXX ) XXXX ) and talked to XXXX ( employee number XXXX ). She also said I have never applied or have any account through them and said I should contact TransUnion and file a complaint. After attempting to contact TransUnion they said I have to mail a written letter of the complaint and it will take 30-45 days to receive a response. 

After more research I found many people with this exact same problem and being run in circles between XXXX, XXXX XXXX, and TransUnion for months. After finding many more complaints of this exact same issue I found blogs saying to contact CFPB to get the problem taken care of. That is why I am here and would like this Hard Inquiry removed from my Credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine CXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX