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

On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX  XXXX XXXX XXXX  Filed on XX/XX/2016 XXXX
Product: Credit reporting or other personal consumer reports

One of my cousins used my credit to buy some stuff that isnt mine. I want this removed from my profile please.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # 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
Product: Vehicle loan or lease

On XX/XX/XXXX, I initiated a dispute in regards to a negative remark on my credit report. However, Exeter Finance is reporting an old unpaid debt on my credit report. This debt was settled with XXXX XXXX and Exeter refuses to update to paid or remove account from my report.
Product: Checking or savings account

: hello, my dear, I in XX/XX/XXXX, opened the schwab bank checking account and online investment account, want to learn about investing in stocks, and then I saved {$1000.00} and when XX/XX/XXXX XX/XX/XXXX saved {$4900.00} XXXX, study the investment, XX/XX/XXXX saved {$9500.00} check, because my friend didn't use the account for a long time, the bank to be on the safe side, automatic lock my friend 's bank, cause my deposit be refunded, after inquiries and the interpretation of the bank and and friends, and friends give me to write a check for {$9700.00}, I deposited it in my bank on XX/XX/XXXX. The extra {$200.00} is compensation for my loss and time! Then in XX/XX/XXXX finally can use the money, schwab has locked my checking account to the bank to make a phone call to ask, the bank customer service said my {$9700.00} cheque was returned again, my account has been closed, I feel very magical, again ask my friends, my friend said that the money has been paid, is not returned, and showed me the deductions record! Suddenly I was angry, what bank is this situation, money was already enter an item in an account, why and I said was returned, and closed my account, I took my angry mood once again make a phone call to ask, ask this check deposit and my account balance, then customer service said available balance is {$9500.00}, before I ask why the bank customer service said I deposit be refunded? Can you tell me why? And can I use the money now? Bank customer service asked why to write a check to you, because English is not good, I asked for online XXXX translation, I can express my problem, but the bank customer service not only did not call online XXXX translation, also said I can not use the account, I asked why? The bank 's customer service officer said, because they're waiting for this check to come back, then I'll owe the bank over {$100.00}, and then they'll close my account! Now I'm just waiting for this check to come back! I suddenly angry very big, this bank exactly what logic, this is what service attitude, such service, I also have never met! Really helpless!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX ( Original XXXX : 10 XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified 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: Mortgage

Rocket Mortgage ( RM ) has employed a shadowy 3rd and 4th party to deny release of escrowed funds paid to me by my insurer following storm damage to my home. RM escrowed the funds as the mortgager of the property. 

RM contracts with " XXXX '', an otherwise unidentified 3rd party, to verify completion of repairs. XXXX then hires " independent contractors '' who use only their first name : XXXX ( XXXX ) and communicate solely by text. 

By default, an unidentified 4th party, working for a shadowy 3rd party, determines whether RM pays me money I owe my contractor. XXXX has made contradictory, confusing and, at times, impossible demands on me. RM can't define a process by which my funds will be released, referring me back to XXXX RM 's representatives have made assertions that were patently false. Meanwhile, my contractor 's invoice is unpaid.
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : Also Known As : XXXX, XXXX I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Credit card

The unauthorized transactions were first reported to XXXX. Messages on the fuel pump that didn't make sense were reported and that I was unable to access my XXXX account. ( Turns out the emails were being diverted and I did not receive. ) In XXXX I called XXXX about emails I was receiving and {$1000.00} payments I was making? For what account? I was given no answer! Wife 's account I understand but enough information could have been shared not compromising that fiduciary relationship, yet given me enough information to understand the situation. 
The account was set up in my wife 's name, I was trying to set her credit up when I died ( XXXX XXXX ) ( Based on the 20 year difference in our ages. ) I reported some XXXX bogus transactions, since almost the credit card was opened, transactions dating back to XX/XX/2023, I received provisional credit in XXXX. 
The Credits were reversed in XXXX, the written explanation was that XXXX verified that I had made the transactions and sent me XXXX pages from XXXX detailing the transactions. 
If anyone had looked at the transactions provided by XXXX they detailed only XXXX or XXXX transactions ( XXXX transactions repeated 4 times ) and all made by me and not disputed. 
The provisional credit was reversed in early XXXX. Based on their OWN records these transactions occurred mainly at a XXXX store in Virginia.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Validation of Debt Request for Account XXXX XXXX Dear Sir/Madam : I am writing to request that you provide me with validation of the debt that you have reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am entitled to receive verification of the debt that you claim I owe.

I do not recognize this account that you have reported on my credit report. I do not recognize the account number, account balance, nor do I have any recollection of this alleged debt. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor ; The original account number ; The amount of the debt that you claim I owe ; Verification that you are licensed to collect debts in my state ; Verification that the statute of limitations has not expired on this debt ; Documentation showing that I agreed to pay this debt.

Original purchase agreement or contract from original owner of this debt ; Arbitration agreement if applicable from original creditor showing proof of refusal thereof Please note that until you provide me with this information, I dispute the validity of this debt and request that you cease all collection activity. Additionally, you are to remove any negative reporting regarding this alleged debt from all consumer reporting agencies including any third party consumer reporting agencies until such time as you have provided me with the requested information.

THIS DOES NOT MEET THE ( FCRA ) Thank you for your cooperation in this matter. 

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

Over the last six months AFFIRM denied me credit on the basis that they could not confirm my identity. I have checked my credit report with XXXX, which is the credit bureau they use according to several of the agents Ive spoken with, and my personal information is updated and true. However, AFFIRM continue to allege that they cant verify my identity. 
On XX/XX/XXXX, I received a copy of a Decision to deny credit based on a credit report from XX/XX/year>. 

It is my belief that AFFIRM is using outdated credit reports for credit line approval, which it's not a business legal practice.
Product: Credit card

Amex has repeatedly sent mail correspondence with account and balance information showing on envelope or visible through envelope window. I have asked that they remove the old home address and only use the mailing post office box address and stop showing that this is a collection of past due debt!!!!!!. and they informed that they have to keep a physical address on file. They were informed that I no longer live at that address and will not get the information they are mailing to that old address. I let them know that I did not want the new owners to have my mail and they said their system will not allow to only have a post office address on file. The mail is showing my private account information and status.
Product: Checking or savings account

I CALLED THE CUSTOMER SERVICE NUMBER AND SPOKE TO A REP AND I ASK IF I COULD ENDORSE A CHECK THAT WAS FOR MY COUSIN BECAUSE HE HAD LOST HIS ID AND I WAS TOLD BE THE REP THAT IT WAS NOT GOING TO BE A PROBLEM AS LONG AS THE CHECK WASNT OVER XXXX SO WE WHEN A HEAD AND MADE THE DEPOSIT 2 HOURS LATER THEY FROZE MY ACCOUNT AND THIS HAPPEN ON XX/XX/2024
Product: Student loan

I have XXXX for students loans. They recently sold my loans to another company. I think its because of the lawsuit against them so I wont be included in getting debt relief. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a PRE-APPROVED application for an XXXX XXXX card through XXXX. I carefully read through ALL information before submitting my application. I did not find any mention of a hard credit inquiry that would be placed on my experian credit file. Several times it was mentioned that I was XXXX. My credit profile had already been PRE-SCREENED. I was completely shocked to see a hard credit pull from XXXX. I did not authorize this inquiry, nor was I informed that it would take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX XXXX bankruptcy on XXXX of XXXX that was completed shortly after but I have a creditor desert financial that has posted charge off and late payments on my Experian credit file from XXXX of XXXX all the way up to XXXX of XXXX it personally as well as a credit repair have tried to get this removed to no avail it is blatantly false information put on intentionally it was just recently put on when I hired a credit repair company I've attempted dispute and neither Experian or XXXX XXXX will remove the false information
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XXXX my XXXX XXXXXXXX checking account issued electronic payment of {$13000.00} to American Express by mistake. The payment was supposed to go to XXXX XXXX. For over XXXX weeks I have been calling XXXX, XXXX and XXXX XXXX. 

American Express say they see my money but cant release it because its under XXXX old account and that I should call XXXX XXXX XXXX XXXX say they have nothing to do with XXXX  system and that I need to pay them their money XXXX  XXXX sent me a proof of payment to XXXX  and say nothing they can do
Product: Mortgage

We bought our house in 2005 in benefit of our family. We have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all the responsibilities. I was sick and XXXX. CITIMORTGAGE owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP Trial Program. CITIMORTGAGE told me to continue making my payments without skipping any payments. I continued making my payments every month for about 14 month, but they continued asking for the same documents over and over. Every month I asked them when will I get my final approval and the answer was that We were approved they werejust waiting for another department to finalized the paperwork and they will send my final approval by mail. Aftermore than a year CITIMORTGAGE Transferred of sold my loan to XXXX XXXX without asking me or telling anything about my pending Loan Modification that we were approved. It was until maybe 2 months later when I received a letter from XXXX XXXX saying that they were my new lender. This is a breach of contract. XXXX XXXX said the could not process my payments and I have to start all over again!!!!. XXXX XXXX said that they could not honor my payments because they did not have my file. CITIMORTGAGE intentionally sold the loan to XXXX Bank XXXX now XXXX XXXX did n't want to process the loan modification. and they want to foreclose on my property. this is a totally abuse from BOTH BANKS ITS NOT ACCEPTABLE.
Product: Credit card

On XX/XX/XXXX my Apple Card ( XXXX original card number before it was changed ) was charged {$100.00} by XXXX. This charge came from an XXXX account I don't have access to. It belongs to my ex-wife, XXXX XXXX. A different card was used in XXXX for the annual subscription and when that card didn't work they used my Apple Card. I didn't know my card was even setup to be used. 

On XX/XX/XXXX I called XXXX and asked for a refund. They said they would refund me, but they never did. I called XXXX again and they told me that because more than 15 days had passed their system would not do the refund. 

On XX/XX/XXXX I disputed the change with Apple worried that XXXX wouldn't issue the refund. 

On XX/XX/XXXX Apple denied my dispute and put the charge back on my card. I requested an appeal and they removed the charge while they investigate. 

On XX/XX/XXXX Apple denied my dispute. I requested an appeal and they removed the charge while they investigate. 

On XX/XX/XXXX Apple denied my dispute. I requested an appeal and they removed the charge while they investigate. 

In all cases I was never told why they denied my dispute. The people I spoke to on the phone couldn't answer my questions and I never could speak directly to the those responsible for investigating disputes. 

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

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation! 
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.
Product: Debt collection

XXXX has reported a collection item on my credit report that is not a valid debt to them. In fact, XXXX assured me my account was corrected in XX/XX/XXXX via phone, and I was surprised to see a collection item on the credit report through XXXX XXXX. 

The context for the issue is that in XX/XX/XXXX, I contacted XXXX advising I would be moving from XXXX, GA to XXXX, GA in a new neighborhood, and I wanted to find out if they could transfer my service. I was told the review would take approx 7 business days and then I would have answer. The rep told me my ticket number was XXXX. I was told if XXXX was not able to move my service, they would cancel my account and not charge any early term fees. 

I moved into my home on XX/XX/XXXX and checked on the status. XXXX had lost the request, then they said it would take longer than a week. It ended up taking until XX/XX/XXXX before I got a response. In the meantime, while XXXX was trying to figure out whether they could move my service, they were charging me monthly for a cable service I could not even use. When I finally got the answer in late XXXX, I was told to turn in my equipment so that they could close my account. I made payments which should have brought my account to XXXX and was still charged even more money. 

I spoke to a representative in XXXX who assured me the account would be credited and my bureau would be updated. The representative also told me there were notes on their system of record confirming everything I was relaying to her. As of XX/XX/XXXX, it appears as though they may have credited my account, but my credit bureau still reflects a collection item which is impacting my score. 

I want XXXX to make sure my account is closed with a XXXX  balance, and to make sure the credit bureau collection item is removed promptly.