23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I got a car through their financing company. The car was always in the shop. When it was in the shop it was in there for over a reasonable time. No communication with them about the car being in the shop. The warranty they had wasnt not what they say it was. I havent drove my car for a good six months due to it being in the shop too many times. They didnt recommend getting another car nor redo my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible of those Inquiries. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.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 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

XXXX XXXX XXXX  CALL THEM TO SEE WHO OPEN AN AUTO LOAN IN MY NAME I REQUESTED THEY DELETE IT NO REPLIES BACK
Product: Checking or savings account

my account with credit karma got taken over by someone and they did alot of fraudulent charges. i filed the dispute and credit karma approved everything else but diened several transactions. they had approved everything else and they knew that the charges were fraudulent but they did not approve these XXXX  transactions saying that i authorized them but they knew for a fact that the charges were done without my approval. they knew that my account had been taken over and that all the charges were fraudulent. the guy had stolen my phone and wallet he had all my information and changed all kinda stuff on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled may once a year free credit report and I see an inquiry that I am not familiar with. This inquiry is fraudulent and unauthorized and differently unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, Someone on my behalf send inquires to open credit cards, and even opened some credit cards, thus I would like to remove them from my credit history. Such as : XXXX ) XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I was outraged to find multiple inaccurate charge-offs that should have never been reported under my name. These false accounts are severely damaging my financial standing, and I will not tolerate their continued presence on my report. The inaccurate charge-offs in question are : Company Name : XXXX Account # : XXXX Balance : {$680.00} Company Name : XXXX Account # : XXXX Balance : {$1900.00} Company Name : XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$570.00} I have never had delinquent accounts with these creditors, nor have I authorized these negative items to be reported. I have already disputed these inaccuracies with TransUnion, yet they continue to be reported without proper verification. This blatant disregard for accuracy is a direct violation of the Fair Credit Reporting Act ( FCRA ). If TransUnion can not provide legitimate, verifiable proof that these charge-offs are accurate, they must be deleted immediately. 

This is not a requestit is a demand for compliance with federal law. I expect immediate action, a full investigation, and complete removal of these false accounts. Continued negligence and failure to act will not be ignored.
Product: Debt collection

Received numerous calls from Credence. Once I finally called them back I was told I was delinquent in a medical bill dating back to XXXX of XXXX  from a doctor during an ER visit for my daughter. The doctors organization did not bill insurance ( that was provided ) and sent the bills to an address that has not been valid in over 10 years. This was all despite the hospital billing correctly and all correct information being provided. Debt collector refused to provide a debt collection letter and refused all payment except over the phone. Debt collector also refused to allow me to discuss with the physician services company that sold them the debt and demanded full payment to the debt collector.
Product: Debt collection

They repeatedly submitted claims to the wrong insurance, even after they were told what the proper insurance for my son was. After several repeated, failed attempts to submit to the wrong insurance, they sent us a bill for full amount. We contacted our insurance and they fixed the problem and paid the amount owed for his XXXX. The woman at the front desk refuses to admit error and continued to press for an amount we do not owe. This happens continuously at that location with other families. We will not be bullied into paying double for the repeated mistake of their staff. If this is not removed after this second attempt a lawyer will be sought for damages. Fox Collection claims debt was verified yet no proof was sent from original accuser.
Product: Mortgage

Attached is the XXXX XXXX Homeowners Policy Renewal, Union Home Mortgage Corp is the lender servicer of record. The escrow account has more than enough to cover this payment. Thus, the total one year premium payment due is {$1400.00}.
Product: Checking or savings account

A checking and savings account was opened in my name at a suntrust bank from online. I Have never had any type of account with SUNTRUST BANK! NEVER! How i found out i went to my old address to check mail box because my family and i just moved about three weeks ago and all of our mail have not been forwarded to our new home. So when i checked the mail i had a letter from Suntrust Bank with a debit card. I contacted Suntrust customer service spoke with a rep on the phone who got my personal info to verify and was told a checking and savings account was open in my name online and the only thing he could of tell was it was open this month XX/XX/XXXX. XXXX the Rep he couldn't tell us the exact date only the month. That i have to to a branch to get the info that inquired from the actual bank. To no avail so i had the account closed immediately. Went to Suntrust Bank today XX/XX/XXXX and was told they can't give me any information and that the account is already closed. They took my email to inform if anything else happens.
Product: Vehicle loan or lease

I contacted you about Wells Fargo repossing my vehicle illegally after refusing my payment. Your Bureau did absolutely nothing to help me. I read you helped Military members that were scammed. Regular citizens that were scammed you don't seem to care about after receiving the billion dollar fine. I gave you my complaint & your office did nothing to research my specific complaint. Wells Fargo actually refused my payment. Eventually excepting a phone payment they never submitted the payment to XXXX for payment. Then said the payment wasn't authorized. I contacted XXXX who stated the payment was never submitted by Wells Fargo for payment. Had you investigated you would have found that out. They then added a repo fees after basically stealing my vehicle. I refused to pay the extra fees. They then sold my vehicle for a third of it's actual value. I was actually sent a letter thanking me for the payment. I also have a letter stating they didn't allow ample time before selling my vehicle. My name is XXXX XXXX I'm sure you have my original complaint. I find it difficult to believe you investigated my complaint & found Wells Fargo to be in the right on this specific case
Product: Mortgage

Someone trying to open Personal loan, checking account, and credit card all from Wells Fargo.This affected my credit score by having hard inquiries on my credit report the only thing I have with Wells Fargo is my mortgage
Product: Checking or savings account

Opened small business account at Huntington bank as a sole member /sole proprietorship account. Personal banker stated that he couldn't verify my account through the state of West Virginia, I went to the bank so that it could be verified over the phone and it was verified. Personal banker insisted that the account needs to be searchable through the corporation site through the state and that was never the status of the business. Account is showing active but can not make deposits, cash checks or conduct any business because the personal bank has the account in the wrong status.
Product: Credit reporting or other personal consumer reports

Despite three written requests, the unverified items listed below still 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 investigations, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party agency please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and XXXX XXXX XXXX  And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to give my information to a third-party agency Name 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

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX : CFPB Complaint ID # XXXX XXXX, XXXX XXXX and Experian XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, XXXX credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX A/C XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX
Product: Checking or savings account

On Friday XX/XX/23 I received a call to my cell phone at XXXX am from E*Trade phone number XXXX claiming a fraud has been committed with my debit card and it needs to be canceled and replaced. I only picked up because I believed you were calling me about a charge dispute with XXXX XXXX which they never addressed to my disappointment. 
During the course of that call, I heard the same hold music I hear when I call E*Trade Bank and I received codes through SMS messages in the same stream where I usually receive their SMS messages. 
There was no reason whatsoever for me to believe that call was not from them. And I was distracted and rushing to get out, so I shared confidential information with a person I had no reason to believe was not their agent. 
And the person committed wire fraud by wire transferring nearly the entire content of my checking account during that conversation. I do blame Etrade for not stopping that : I believe such a transfer should have triggered their fraud alarms and been stopped immediately locking my account, particularly occurring XXXX minutes after a password change. I have no idea how did that not rise any suspicion. 
He also locked me out of my account, claiming he needed to do that for security purposes and that he would call me at XXXX XXXX to reestablish my online access. 
Once I did not receive that call, I called Etrade, and they told me that the first call was not about fraud but actual fraud. By then I received emails and learned about the extent of the damage. I spent nearly XXXX hours on the phone with their fraud prevention XXXX who said that the transfer would be reversed and money credited to my account, perhaps by Tuesday, which is today, and the money is still not credited back. And today they returned a check for car registration that I mailed XXXX weeks ago and charged me the insufficient funds fee, adding an insult to injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2024, I submitted an inquiry through XXXX, which is my mortgage servicer, regarding cash out refinancing/HELOC options for my existing home. After I went through the process, I decided I did not want to leverage my home to pull out funds and cancelled the request. Within 24 hours of my inquiry through XXXX, I began to receive tons of unsolicited phone calls ( at least 5-10 per day for weeks ) from different companies claiming that I was looking for mortgage refinancing services. When I asked a number of these companies where they got my information from, numerous entities indicated that TransUnion had sold my information to them, and that's how they were advised that I was looking for mortgage assistance. I was absolutely appalled at the very notion that TransUnion, or any credit bureau, would sell any of my information without any consent. How many companies have my information now merely based on the credit bureau 's having access, and then profiting on my information. This is disgusting and quite unethical, especially since the consumer is unaware. I look forward to hearing from someone very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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  ALSO THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Finance Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from  XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business  days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} ; 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. 

If you feel there are a possibility these items belongs to me, I will require all documentation that bears my signature ( another research items I found that requires you to remove. If you do not provide any records & claim the items are removed please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes about several items on my credit report with XXXX and XXXX and have had absolutely NO ISSUES. I have tried to file the same disputes with Equifax and have had NOTHING BUT ISSUES. I have tried online and I have called and they are not letting me file my dispute because for whatever reason they don't believe I am who I am. Even though I have given them name ( both maiden and married ), date of birth, social security number, address ( both current and previous ) and pretty much my BLOOD TYPE. This is very frustrating! I am trying to work on my credit and get items removed that should not be there. There is no way that I could have incurred the charges between XXXX and XXXX. I need help.
Product: Mortgage

I got pre-approved for a conventional 30 year mortgage with Wells Fargo Bank in XXXX 2015. In XXXX 2015 my offer on a condo was accepted by the seller and I began the mortgage application process with Wells Fargo. The bank agreed that they could complete the loan process on the expedited schedule that the seller requested for the sale of the property. There were many delays during the first few weeks of the loan process, but XXXX XXXX XXXX, the mortgage banker, continued to assure me that she could get the loan done in time. Approximately 3 days before I was supposed to close on the property, XXXX XXXX called me and said that they could n't do the loan unless I paid another {$150.00} to file an exception, which she said would allow them to complete the loan and allow me to close by the end of the week. I felt that I had no choice but to pay another ( non-refundable ) fee, or I would lose out on the home I was planning to move into within a week. I had already paid {$490.00} for an appraisal and credit report that the bank ran for the loan application. Two days later I called XXXX XXXX to find out what time my closing would be the following day and was told that I could n't close, as my loan had n't been approved. I was informed that they would need at least 60 days to process my mortgage, and could never have done it in the shorter timeframe that they initially agreed to. She began to push me towards an XXXX loan as an alternative to a conventional loan, suggesting that they could get that completed sooner. An XXXX loan was not in my best interest and I told her several times that I wanted the conventional loan they had originally pre-approved me for. After an extension of several weeks, and with me calling the bank everyday to find out what was going on, I was told that they could n't do the conventional loan and that if I did n't want to switch to an XXXX loan, that it would be best for me to move onto another mortgage bank. I would be provided with any paperwork they had, but none of my money would be refunded. After struggling with the decision to walk away and lose out on a lot of money that I paid in good faith based on XXXX XXXX 's assurances that they could give me the conventional loan they had pre-approved me for, I switched to a different lender, who was able to process my conventional mortgage loan within 3 weeks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Subject : Dispute Regarding Code 16810 Dear CFPB, I am writing to formally dispute the charge associated with Code 16810 on my account. After reviewing my records, I believe this inquiry, is incorrect or unjustified. I have asked for removal of these inquiries. 

Details of the Dispute : Code : 16810 Date of Inquires : 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 Nature of Dispute : I am requesting that all hard inquiries with the dates and companies above be removed from my credit report. These inquiries are leaving a negative impact on my credit score.

I request a thorough review of this matter and kindly ask that any errors be corrected. Please provide any relevant documentation or further explanation regarding this inquiry for my reference.

If you require additional information or documentation to process this dispute, do not hesitate to contact me at XXXX or email XXXX I trust this matter will be resolved promptly and fairly. Thank you for your attention to this issue. I look forward to your response. 

Sincerely, XXXX XXXX