23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my XXXX account was hacked. While I was in the process of recovering my account, I noticed that I was getting notifications from my bank stating that I was making purchases through XXXX XXXX. Once I went on to XXXX XXXX, it showed a list of out of country phone numbers that were receiving money from me. I believe that the people who hacked my XXXX account managed to get access to my XXXX XXXX  account and proceeded to flush out my Checking and Saving account within an hour of me being on the phone with XXXX customer support. After finding this out, I immediately contacting my bank to let them know that I did not authorize any of the purchases made. They heard my plea, they sent me to the fraud department to submit a claim so that I could potentially get my money back. Within a week they sent me credit back to my account while the claim was under investigation. Everything seemed to be settled about a month after the incident, so I went about my day. Fast forward to XX/XX/XXXX ; I go onto my online bank account to check my funds and noticed that my checking was set at a $ XXXX. I then called the bank to see what happened, was put on hold for XXXX hours, then they disconnected. So I decided to go the bank to speak with someone to actually get some information on the matter. They went ahead and contacted the fraud department, looked up my claim and from their end told me that I did in fact confirm those purchases, which I heavily insisted that I did not. They also did not provide me the merchants ' names which seemed sketchy. So I told them that I would be taking legal actions since they did not want to provide me the information I requested. Underneath is a list of the transactions that I was disputing. 

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 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: Student loan

I XXXX  college in XXXX but received my first statement from XXXX in XX/XX/XXXX regarding my XXXX loan. They sent it to my parents address saying I owe {$3000.00}. The next week they claimed I missed a payment so my loan was now {$5000.00} with interest, one week later! They also tried to charge me late fees for every month going back to XXXX even though they had never billed me until XXXX. I can not get them to remove some of the fees, and when I made up 3 months worth of payments, they applied NONE of my money to principal but instead it all went to their made up fees. I can not get ahold of anyone at the company who can help me.
Product: Debt collection

CITIBANK DISPUTE!!!! This account was closed after the first few uses, removed the authorized users on the account and paid it. Called the bank to close the credit card after payments were made, bank stated that it had been closed. Months later, come to find out I am in collections and the bank never closed the account and the person I had on the account continued to use the card without my consent. Therefore, these are unauthorized charges going into account. Called bank to resolve issue and find out why account is not closed and they stated they had no information. The bank stated that it was not their problem and I would be responsible for the balance. Credit card issuer still tries to collect a charge while its investigating my dispute. Please help me resolve as I can not come up with any other solutions. This is fraud that was done on my account by someone I previously authorized and then unauthorized. However, the bank continued to accept credit card charges after I specifically stated that I needed to remove all authorized users from the account and close the account.
Product: Credit card or prepaid card

Notified company that statement was NOT received. Disputed late and extra interest charges applied. Statement date was XX/XX/2015. Company responded by filing a complaint on my credit reports.
Product: Credit card

I am disputing the collection account with ONEMAIN account number XXXX dated XX/XX/year>, with a balance of $ XXXXThis account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that ONEMAIN provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

There are things on my credit report that I have no idea about, I've asked for proof of who they are, there are random bills and they can be from anywhere due to fraud. I've never received anything from the company or who they are. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I've been living at my current address for less than a year and the debts are fraud. I'm getting law enforcement involved. For companies to report do XXXX, Transunion, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, an inquiry for XXXX was applied to my TransUnion credit report. I never gave authorization to XXXX to pull my credit report. This is FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX - I did not give this company permission to make a hard pull on my credit. 
XXXX XXXX This company did not have permission to make a hard pull inquiry. 
XXXX XXXX This company completely fraudulently made a hard pull on my credit. 
XXXX XX/XX/XXXX- I am completely unaware who this company is and they did not have permission to pull my credit. 
XXXX XXXX  XX/XX/XXXX XXXX I am completely unaware of this company and they did not have permission to pull my credit. 
XXXX XXXX XXXX  XXXX I am completely unaware of this company and did not give them permission to pull my credit.
Product: Mortgage

Gregory Funding is serving my loan and fraudulent assignments are being used to foreclose. They accepted 2 payments of {$5000.00} XX/XX/XXXX and {$5000.00} XX/XX/XXXX. They required these payments for a loan modification Instead of modifying my loan was sent to a foreclosure attorney. This clearly against federal law XXXX tracking laws were established in XX/XX/XXXX. They have my money which was sent va certified funds. The assignments are fraudulent and robo signed. Fraud can't be the basis of obtaining a deed. I have sent 2 QWR and neither have been addressed. I Also asked for the gap accounting and it was sent either. I ask for the Ombudsman department and I was told they didn't have that department. I sent a notice of error and they have not responded to any of my correspondence
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719.719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814. 
PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived at the person house who stole my identity and used it for XXXX XXXX XXXX XXXX XXXX which my name was spelled wrong on the account. I did not authorize this account. I was not living there during this time that account was open in XXXXXXXX XXXX. I was XXXX at the time my identity was stolen. Now that I'm getting a better understanding of my credit report, I want this removed off my credit this is a fraudulent account that was made without my authorization. My last name is spelled XXXX, and middle name XXXX, which are incorrect spelling. I do not understand how and why this is stuck on my credit report without my consent.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete the following fraudulent accounts that's attached to this Identity Theft affidavit I am a victim of identity theft and has reported it to the federal trade commission, according to the FCRA 15 USC 1591inaccurate Information can not be reported on my credit file. Please delete the Fraudulent accounts as soon as possible to correct my credit report. 
Account Name : XXXX Account Number : XXXX Balance : {$2500.00} Dated open:XXXX
Product: Credit reporting or other personal consumer reports

e currently reported CAPITAL ONE with account number displayed as CAPITAL ONE on my XXXX XXXX report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a anomaly from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned XXXX XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : As to and in consideration of the item questioned above, Original Creditor : reported as Not Reporting for XXXX, Not Reporting for XXXX XXXX, and as Not Reporting for XXXX and as such is one, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its magisterial mandates as its prerequisite for compliant conformity in reporting. This field, as reported, is a deviation from the established XXXX reporting standards and or is reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! 
In regard to item questioned above, XXXX XXXX XXXX
Product: Debt collection

according to section 15 USC 1692 in the Fair Debt Collection Practices Act, this is an common and illegal sale of third parties to collect a debt I did not consent or receive written verification via Mail of original documents. I have been harassed numerous times the day with phone calls and voice messages impersonating a legal matter and lawyer. I need these illegal credit reporting agencies removed from my report. I have removed the number several times and I still receive numerous calls from different numbers but from the same company. 

Company : National credit adjusters
Product: Student loan

I've talked to Experian several times and they and they refuse to change the status of my credit reporting dealing with how it is reporting I sent the forbearance letter and all the deferment paperwork to show the correction to my account that was given by the department of education even after all the documents they refuse to change the status to positive if no payment is due right now how can I be late so why is it showing negativity
Product: Consumer Loan

I am an XXXX-year-old man who went to XXXX XXXX in XXXX, California to buy a used car. The salesman told me I did n't have good enough credit to buy a used car and said that I could get a loan for a new car. He arranged a loan with Westlake Finance for a loan with 22.19 % interest for the cost of the car plus a {$2500.00} extended warranty. My grandmother helped me realize what I would actually be paying for this car and took me to her credit union who bought out the loan and is charging me 2.44 % interest. On XXXX XXXX, 2016, I cancelled the extended warranty. XXXX XXXX told me the {$2500.00} would be sent to Westlake Finance within 60 days who would then forward the money to my credit union. After many visits to XXXX and phone calls to Westlake, I now have a copy of a cancelled check in the amount of {$2400.00} sent to Westlake by XXXX and endorsed and cashed by Westlake on XXXX XXXX, 2016. They deny all knowledge of it. XXXX says they have done their part and have washed their hands of the matter.
Product: Debt collection

Grant & Weber has been trying to collect on a medical debt on behalf of XXXX XXXX for the balance of {$1000.00} to which they are not owed. I have asked them to provide written proof of the debt and they sent me a copy of a bill which is attached. I have at no point and time entered into an agreement to pay XXXX XXXX any money for any services. I have at no point had any medical procedures done to my face, ears or eyelids as the paperwork they have sent seems to suggest.
Product: Credit reporting

There are HARD inquiries being reported from the following companies on my credit and Equifax is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 12 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing a inquiry on my Transunion report that isnt correct and was suppose to be removed but its still showing on my credit report inaccurately
Product: Debt collection

I C SYSTEM {$170.00} Original creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : Listed above These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough investigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$53.00} XXXX   XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting and account that has been removed from two other Credit Reporting Agencies report. The account is XXXX XXXX XXXX. Ive tried several times to dispute this on XXXX website. TransUnion and XXXX have already removed this account.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this account XXXX XXXX  XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
Product: Mortgage

For some reason, my mortgage company it been reporting me like a miss payment, when i has the probe of those payment, they open an investigation and always< I was right now my record it is damage, and the want me to fixed that!!!!
Product: Mortgage

I had a mortgage through PNC Bank on a home I purchased in XXXX and sold on XX/XX/XXXX. At closing the real estate taxes for XXXX and through XX/XX/XXXX were deducted from my proceeds and payed by the title company. After numerous phone calls to PNC Bank, I was advised they had mailed an escrow refund check to the address I had just sold. PNC customer service said they would be canceling that check and sending me another check to my current address. On or about XX/XX/XXXX I received an escrow refund check from PNC Bank in the amount of {$1900.00}. On or about XX/XX/XXXX I received a second check from PNC Bank for {$1900.00}. I also received an escrow account activity statement from PNC Bank showing at the time of closing my account, the balance was {$3900.00}. The activity sheet also showed the last XXXX actions in the account to be XXXX separate refund checks in the amount of {$1900.00} each as well as a final PMI payment of {$37.00} which took the account balance to {$0.00}. I deposited both checks I received into my PNC Bank checking account and was advised by PNC Bank that they had stopped payment on one of the checks because it was a duplicate. I contacted PNC Bank mortgage customer service numerous times and they were unable or unwilling to explain to me how an account with a balance of {$3900.00} can be zeroed out with a check for {$1900.00} and a {$37.00} PMI payment. I will be attaching a copy of the escrow account activity provided by PNC Bank as well as a copy of the XXXX checks and XXXX stop payment issued by PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus multiple times about an issue where someone else 's name comes up when trying to run my credit. Every time I have called they tell me to send in the same information ( copies of drivers license, social security card, and W2 ). When I send in the information that is asked for nothing happens. I wait the 60 days they say it can take and hear nothing back.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.