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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 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

Inquiries of the same type on the same day arent supposed to show as separate inquiries and Experian is reporting XXXX different hard inquiries done on the same day as of XX/XX/year> and they wont pull them down or combine them as 1 like it says they are supposed to do it has caused me to get turned down by a lender as to many inquiries on my Experian credit report. If they were reporting it right I would have XXXX inquiries not XXXX.
Product: Mortgage

Beginning in XXXX of XXXX I went in forbearance with Midland Mortgage. I was offered XXXX options for paying the funds back ; Pay it all back in lump sum, make extra payments monthly on top of my mortgage or to do a partial claim to add the amount owed to the end of the loan. I chose to make the payments at the end of the loan ( Partial Claim ) and signed the documentation On XX/XX/XXXX. From this point I was informed we were waiting for the VA to approve the Partial claim and it could take some time for it to complete. I found out about and applied for XXXX in Florida XX/XX/XXXX and was approved for {$49000.00} on XX/XX/XXXX understanding that if I was awarded the funds I would be able to use those instead of the loan. After speaking with Midland Mortgage I was informed that they had received the funds and would be applying them to my account which would have brought me current to XXXX of XXXX. I am now finding out that there is in fact a partial claim for the amount of XXXX that I was unaware of. The VA made their decision on XX/XX/XXXX about the partial claim unbeknownst to me that it was still going on as I was aware that he XXXX funds would be applied to my account and they were checking with the VA on how to proceed. In XX/XX/XXXX I was sent a letter informing me I was in Foreclosure and needed to make payments and pay the lawyers fees starting immediately. Im selling my home and find out that nearly half the funds from XXXX were sent back to the State on XX/XX/XXXX and they applied {$24000.00} of it to " catch me up '' for " missed payments. ". I had been told I didn't need to make payments while waiting on information from the XXXX During this time I was aware it was either one or the other and I was absolutely preferring to take the XXXX funds and not another loan. This was not explained to me and I was given conflicting & incomplete information from many of the people I talked to at this company regarding my loan/partial claim and HAF funds. I was constantly reaching out to Midland to ensure that I was doing what I was required to do to stay on top of everything. I was Informed recently that the partial claim was applied to XX/XX/XXXX to XX/XX/XXXX and the XXXX funds to XX/XX/XXXX to XX/XX/XXXX so they essentially had me in a holding pattern and held on to the XXXX funds for nearly a year without applying them. If I had known this, I would have contacted the VA at the time to stop the Partial Claim and use the XXXX funds in its place to bring me current and start paying my mortgage. The company misled me about the application of funds and sidled me with a loan I didn't need knowing they had the funds on hand to take care of the situation.
Product: Student loan

I have a victim of Identity fraud I've provided all documentation at the police reports. i.e. Identity fraud packet from the federal trade commission and documentation that's been notarized. Navient and XXXX refuse to validate the debt they will not send me anything with my name on it with my signature saying that. 

I signed the promissory note it's been going on since XXXX is XXXX this is fraud experience is helping them commit fraud Navient won't dismiss the debt but yet still they won't validate the debt which is of a violation of the fair reporting at the committing fraud I'm taking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX  account # XXXX on XX/XX/XXXX in the amount of XXXX. That car was a lemon. I noticed the car started making noises around XXXX. I called the car company to see if I had a warranty to get it fixed. I did. They gave me a place to take the car and get it fixed. I did. The car came back worse. It now had a major oil leak and went down fast. I was paying {$300.00} every XXXX weeks up until that point. I could not afford to pay for a broke down car. I had to pay for rides to work and gas, plus people time. The car went down between the end of XXXX and XX/XX/XXXX. I didn't even have the car a whole year.
Product: Credit reporting or other personal consumer reports

I just noticed a hard credit inquiry from Ally Financial on XX/XX/2022. There was no direct benefit or authorization for Ally Financial to access my personal information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX ( finance ) pulled credit report fraudulently. This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact all 3 credit bureaus in regards to the following accounts : XXXX XXXX card reporting with a balance of {$600.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX with a balance of {$10000.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX last reporting XX/XX/XXXX with a balance of {$560.00} currently reporting to XXXX and XXXX  And XXXX XXXX XXXX with a balance of {$110.00} currently reporting to all 3 credit bureaus Because they are not mine and are a result of identity theft. They have not responded to any of my letters or attempts to correct this information. 

My name is XXXX XXXX and my date of birth is XX/XX/XXXX and my address is XXXX XXXX XXXX XXXX GA XXXX. I do not feel comfortable putting in social or any portion of it due to identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Block and Delete Accounts and Inquiries Mentioned Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, My name is XXXX XXXX XXXX and my social is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, PA XXXX. 
I am writing to bring to your attention that I am a victim of a data breach that occurred on [ Date of Data Breach ]. As per the Federal Trade Commission guidelines on identity theft, I have taken immediate steps to protect my personal and financial information. 

In this regard, I am writing to request that you block and delete all accounts and inquiries mentioned below, which were fraudulently opened or accessed by the identity thief without my knowledge or consent. I request that these accounts be completely blocked and deleted pursuant to 15 USC 1681c-2 ( a ), as they pertain to my identity. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also filed a police report and notified other credit bureaus of the data breach. I request that you take immediate action to block and delete all accounts and inquiries mentioned above to prevent any further damage to my credit report or credit score. 

Please provide me with a written confirmation once the requested action has been taken. 

Thank you for your prompt attention to this matter. 

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

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that i have the right to privacy. 15 usc 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b 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

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 a 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. 1681s-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. 

These inaccuracies on my credit report are stopping me from getting approved for an apartment, a new car and starting a business. In addition to violating my consumer rights, these accounts are reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed this inquires on XXXX, it has been more than 45 days and still no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve fraud on my credit reports since XX/XX/2021 with XXXX, TransUnion, and XXXX. My requests have been automatically verified, even though I have called and filed an identity theft report with the FTC. I also filed a police report with my local police department.
Product: Mortgage

DITECH FINANCIAL LLC purchased the account referenced from XXXX or from another third party junk debt buyer according to Chief Justice XXXX of the US Supreme Court, DITECH FINANCIAL LLC is in direct violation of the COURT of COMMON PLEAS OF XXXX PENNSYLVANIA, COURT OF APPEALS FOR THE XXXX, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondent 's property, DITECH FINANCIAL LLC in violation of contacting me on the above-mentioned alleged account at my home, upon receipt of this letter dated XXXX/XXXX/2016 this places DITECH FINANCIAL LLC DEBT COLLECTOR 'S in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment, failure to validate the debt The [ FDCPA ] gave DITECH FINANCIAL LLC thirty ( 30 ) days to validate the alleged debt. 30 days have passed, present letter dated XXXX/XXXX/2016, failure to respond to TO [ XXXX ], FAILURE TO RESPOND WITHIN THIRTY ( 30 ) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY [ XXXX questions of discovery unanswered ]. Any proceedings on the Above Case, including the re-sale of the alleged debt information for the purpose of collection by any other debt collector/company, that are taken without first timely responding to this letter by the party ( s ) will be deemed prima facie evidence of fraud by mail and racketeering against the party ( s ). DITECH FINANCIAL LLC ( " Ditech '' ). ; XXXX, ORIGINAL CREDITOR : XXXX, its agents, assigns, principals, and counsel. Silence is acquiescence ; acquiescence is estoppels. 
Disputing your extortion and fraudulent claim of " debt '', XXXX XXXX, 2016 Certified Mail # XXXX DITECH FINANCIAL LLC ATTENTION : XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and affecting my creditworthiness.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I received an unsolicited email from Loan Company Lendumo. I was advised that the loan that I applied for has been approved and I needed to contact Lendumo. I immediately sent an email advising that I have not and will not apply for any loan with this company. Until this day I have not even heard of this company. 

On XX/XX/2020 I received a second email from Lendumo advising that for me to cancel this loan ( that I never applied for ) I would have to contact them by telephone to have my application withdrawn. I sent a second email to Lendumo advising for the second time that I have not and will not apply for any loan with this agency. I also requested that they stop contacting me ( at work ).

This is an unsolicited transaction and I am filing this complaint to have something done about and to this fly by night agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX XXXX needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over 5 years and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!
Product: Checking or savings account

Fraud Claim with Bank of America To Whom it may concern, This letter is to address a claims that I have requested for appeal in XX/XX/XXXX. Back in XX/XX/XXXX, I mailed check no. XXXX for {$1200.00} to my landlord. The check was pay to the order of : XXXX XXXX XXXX, {$1200.00}, the amount of my rent with that landlord. This has been the amount beginning in XX/XX/XXXX. 

My check no. XXXX, was intercepted by someone who removed the Landlords name and added their name as the recipient of the payment. I did not make the check payable to the person that cashed it. The hand writing on the pay to is not mine handwriting. 

For this Check Fraud reason, I originally file a claim with BOF. On XX/XX/XXXX I received a bank transfer from my old BOA bank account ending XXXX, to my new account ending XXXX for the money stolen by the person who deposited and stole my check no. XXXX. At the time I was under the impression that BOA had resolved my problem but on XX/XX/XXXX BOA took back my money. 

Check no. XXXX was a personal check with my name and address that I signed and mailed to my Landlord. As per the information provided by the claims fraud specialist in the BOA location at XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX, the check was deposited on a XXXX XXXX by the person who stole my money. That recipient of my money is the person that needs to be investigated for fraud and force to return the money. 

Please take in consideration this information regarding my claim with Bank of america, for check fraud. In all fairness and as consumer of a service by BOA for many years, I do not deserve to lose my hard earned money.
Product: Credit reporting or other personal consumer reports

I had a recebt complaint with CRB concerning my car payment to XXXX XXXX. I spoke XXXX XXXX XX/XX/XXXX about this mishap. Its showing i owe money towards my XXXX bill. which should not be there.It shows im XXXX past due. IM NOT OVERDUE. As you can see it says next payment is due XXXXXX/XX/XXXX. It should show my payment that's due for this month.When i ask sup XXXX XXXX on a recorded call why is it.showing a payment due for XXXX he said " He doesn't know and he will get back '' THIS NEEDS TO BE FIXED IMMEDIATELY!! INCORRECT INFO IS BEING REPORTED TOTHE BEAURUS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX discriminated against me because I am an XXXX American woman. They falsely reported my car payments to the credit bureaus as being in default and their illegal repossession of the vehicle after all my payments were current! I no longer wanted to do business with this scamming company and I paid off the loan and cut ties to them! Since XXXX they began reporting false negative payment history on my credit reports! I have disputed this and to no avail nothing gas changed! XXXX with their ongoing discrimination and targeting XXXX American customers reported to credit bureaus fss as law information they even reported I took my lisn through XXXX XXXX XXXX to cover up their discrimination towards me and to ruin my credit! To this date I am unable to get a place to live because of XXXX false information! The credit bureaus refused to remove this false information off my credit report! I never signed any loan documents for XXXX XXXX XXXX! XXXX did this to cover up their fraud and discrimination and not posting my payments on my account in an accurate way. I am facing homelessness due to XXXX XXXX XXXX ruining my credit! I do not owe them I paid off the loan in XXXX and sold the car in XXXX! I need help to get compensated for what XXXX XXXX predatory lenders did to me! I was charged a higher interest rate because I am XXXX American and they mishandling of my account plus their false information to the credit bureaus that I took a loan out under XXXX XXXX XXXX to cover up their discrimination and fraud! Please fine them all in lithe Credit bureaus. Thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, Equifax, and XXXX, XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards opened with XXXXXXXX XXXX XXXX XXXXXXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened with XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, A utility account with XXXX opened XXXX XX/XX/XXXX under the account number XXXX, and a collections account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAGESTREAM place a credit freeze on my credit profile without my consent. I have never heard of the company or want to place a freeze on my profile. I have tried to contact the company multiple times but there is no customer service. There is only an automate system to collect even more personal information. I also attempt the online request but nothing is complete for weeks.
Product: Vehicle loan or lease

Santander Consumer Financial misappropriated the final payment on my account wherein they applied the last payment of {$280.00} to " misc funds '' thus falsely claiming I owe the principal and interest balance on the account. Misc funds is defined by the lender as repossession fees not late fees as the agent attempted to explain. They failed to apply my credit of {$2.00} to the account balance of {$280.00} which would have been absolved by the payment of {$280.00}. Additionally, they threaten to report the account to the credit bureaus if I neglected by render the entire late fee balance on XX/XX/2020. I requested documentation of language confirming that this was mutually agreed upon by both parties ; however, the executive office representative stated no language was recorded in the contract.
Product: Checking or savings account

on XX/XX/2018 I tried accessing my online banking account with Bank of America. My login credentials did not work. To avoid locking my account, i tried to reset my password. After giving my debit card and SSN details, I was then given a message that i no longer had online banking access and to call customer service. I called customer service and I can not get in contact with a human being. I keep being asked for a card number, and then Im told the card number does not exist. The automated system refuses to connect me to a human being. That last email I received from Bank of America was on XX/XX/2018. I have not since been in contact with Bank of America nor have they tried to contact me regarding the status of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my consumer report that I didn't authorize or have any knowledge of.