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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022
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, the XXXX, XXXX, Equifax credit reporting agency , 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 a personal credit card account opened at XXXX XXXX ( Equifax ) is not reporting accurate and or updated information it hasnt report since XX/XX/XXXX. Accounts Removed Shall BE : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$440.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( 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 or other personal consumer reports

" I am writing to dispute accounts on my credit report that were made without my consent. According to section XXXX of the FAIR CREDIT REPORT to section ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I am the primary credit card holder XXXX XXXX of a WellsFargo credit card and I added my husband XXXX XXXX as an authorized signer. On Saturday, XX/XX/year>, I obtained the mail and received our new cards. We didnt activate them. On the next day, Sunday at XXXX XXXX  I received an alert showing that our cards were used for a purchase with XXXX XXXX for {$45.00}. Hello fresh is an old account of mine that had been deactivated and the new cards were never used on this account because it was never activated. 

This is the second charge with this company XXXX XXXX that I didnt authorized which is why I ordered new cards. The XXXX XXXX account was deactivated and closed once before. 

I never provided XXXX XXXX my new card information and the new cards were not activated My card information was given out to someone by the bank. That is the only explanation. My card never left my possession and my husband card never left his possession.
Product: Debt collection

Receive 2 to 3 calls per day from XXXX. They mailed me a notice about unpaid XXXX fees that are not mine. I sent them a not my debt letter via usps physical signature required and also requested they do not call any more. They still attempt to call 2 or 3 x a day.
Product: Consumer Loan

I got a car loan for my XXXX toyota tundra, i had paid off the entire loan on XXXX XXXX, XXXX. I went to the MVD to get my title back into my name to learn that the company 'Check into cash ' had not given me my title back and still had a hold. I 've contacted them numerous times through visiting them in person and calling. I 've been unsuccessful in getting my title back.
Product: Vehicle loan or lease

Westlake Financial must send a letter that they have repossessed the vehicle ; and that the car will be sold at either a public or private sale ; and that the sale will be conducted on or after a certain date and must give me given opportunity to redeem the vehicle prior to that date. 
Westlake is reporting on my credit report that it is a charge off for XXXX. 

If the vehicle is sold, the sale price must be applied to the balance of the loan. 

They have not sent me any letter stating the car has been sold. 

If they have kept the vehicle in satisfaction of debt, they were supposed to send me their proposal to do so in writing. They must have my consent. I have not received any such letters. 

Westlake Financial has not followed the law by repossessing the vehicle or in their disposition of the vehicle after deposition and I have a attorney ready to act in my defense if Westlake Financial does not removed inaccurate false account information from all 3 credit reports due to the lack of Westlake Financial unethical practices immediately.
Product: Mortgage

I have a mortgage for a house on  XXXX   XXXX  from   XXXX   of  XXXX   XXXX , FL, then a month later the mortgage was sold to  XXXX   XXXX    XXXX   whom had it for over a year. Due to the high monthly instalments ( {$1200.00} plus {$280.00} for HOA ) I decided to apply for modification with  XXXX , The bank turned me down five times and sent me a letter for foreclosure on  XXXX . I hired an attorney at that point and chase was unable to foreclosure on my property after my lawyer brought them before the judge in  XXXX  county, Fl.Therefore chase got rid off the mortgage to avoid litigation and sold it to  XXXX  Bank  XXXX   XXXX , after Hud approval.  XXXX   XXXX    XXXX   pursued foreclosure unsuccessfully since they lost in court in  XXXX  in  XXXX   XXXX   XXXX  loan servicer came on board to service this loan for  XXXX   XXXX  (  BSI Financial Services  ) After losing battle in court  XXXX    XXXX     XXXX  transferred the loan to  XXXX   XXXX  and BSI kept servicing this loan. For over a year  BSI Financial  attempted to collect the mortgage payments and also tried to foreclosure but after speaking with my attorney they surrendered their intentions and transferred their loan services to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Then sold the mortgage back to  XXXX   XXXX  keeping  XXXX   XXXX  as their servicer, this happened just on  XXXX  .The pro blem is that  BSI Financial i ssued me a  XXXX  tax form for the year of  XXXX  after they transferred the loan to  XXXX . I called them to find out the validity of this and after speaking with  XXXX  at BSI, he said he had no knowledge about it and that he would research the issue and get back to me or my attorney, never happened, so I called the IRS and I was told That BSI needed to issue a corrected  XXXX  .I must  mention that BSI claims this form is for a " cancellation of debt on a mortgage dated on  XXXX / XXXX / XXXX  '' .My house has never been in bankruptcy, not sold or else. Records on  XXXX  county, FL still show I 'm a the owner of this property.BSI has placed my name on the  XXXX  credit burew as bad debt, which I also dispute, since I have no business with BSI whatsoever. Please I need to clear my credit report from this illegitimate input and also have BSI Financial services  XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  to correct and issue a corrected  XXXX . Thank you very much for your help
Product: Mortgage

I, XXXX XXXX the natural consumer sent Guild Mortgage by certified mail number XXXX a UCC-9-210 REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, WHICH BY FEDERAL LAW THEY ARE REQUIRED TO RESPOND, I WILL ATTACH WITH THIS COMPLAINT A EMAIL VERIFICATION I RECEIVED FROM GUILD MORTGAGE ACKNOWLEDING CERTIFIED MAIL RECEIPT
Product: Debt collection

On XX/XX/XXXX, I received a letter from IC systems stating that they are collecting money from me, on behalf of XXXX. I do not owe IC SYSTEMS any money. I do not know who they are, and I Have never had XXXX as a phone carrier. I have had the same cell phone company, which is XXXX wireless for over 10 years. I have also had the same cell phone number for over 10 years. There is no way I owe XXXX any money. I sent a letter to IC Systems asking them to provide me with validation of the debt they are claiming I owe. I received a letter from XXXX XXXX stating they have no record of my account and I need to send them more information. I will not send them any of my personal information. They initially claimed that i owe XXXX. This is a scamming company trying to steal my information, and I immediately request for them not to report anything negative to the credit bureaus. They have not provided me with validation, and they are attempting defamation of my credit character. This company needs to completely remove me from their system. I dont owe them or XXXX any money!! I want to cease collection on this false debt immediately!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent the US Bankruptcy Court house a letter. I received a response letter from them saying they do not report to the credit reporting agencies. So how in the he'll did the credit bureaus verify this Bankruptcy as 100 %. They never did a fair investigation according to 15 USC 1681. And 15 USC 1681 section 603 ( E ) States the term Investigative XXXX Consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The credit reporting agencies violated my given rights under 15 USC 1681. According to 15 USC 1681 section 602 States that I have the right to privacy. Also, according to 15 USC 1681 section 604a section 2 it stares a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 1681 S2A1 a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person know or has reasonable cause to believe that the information is accurate.
Product: Mortgage

I had a chapter XXXX bankruptcy discharged more than a year ago. Thereafter, I have been paying my mortgage via automatic debit monthly. It appears that there have been at least in XXXX and XXXX ( dates I can see online ) thousands of dollars in corporate advance fees charged. I see such fees as defined as processing fees on other website. What is the legal basis for these charges. I never received any communication from the bankruptcy court that such additional fees were authorized. The amounts vary widely {$300.00} here, {$800.00} there, in fact and law, how is a consumer supposed to know what they are paying. I am thinking my principal balance is being paid down when in actuality my months payments are being syphoned off for unknown costs. I want these fees refunded.
Product: Mortgage

Received two Loan quotes from the preferred in-house Crosscountry lender on a new home purchase XXXX18 that varied greatly and extra fees to recoup their {$7000.00} incentive. Told him that we could not do these loans. The sales office uses " Steering '' tactics to scare you into choosing the in-house CrossCountry lender. Looks like the Builder may have family connections with preferred lender. Is this why the builder " Steers '' customers here? Lender conveniently matched the outside lender and gave us {$7000.00} incentive to use towards closing costs once he knew we were going with outside lender. We signed off on the new loan estimate. Time passed to change lenders and then he " Crosscountry '' told us that we did not qualify for new loan. He once again charged the higher pmi from {$240.00} to {$300.00} and went from {$0.00} points to {$7000.00} in points. We did not agree to this. We agreed to move forward on the loan we signed off on. Our other lender was not charging points, lower pmi and was going to get us a credit to compete with in-house Crosscountry lender. Builder is keeping our EMD because we cancelled. We could not afford the extra pmi and we were counting on the {$7000.00} so called credit. We had XXXX credit rating, money in the bank and good jobs. How can a builder back you in a corner until you have no choices and make you purchase a property? Their in-house lender does not follow through and the consumer pays for it. There seems to be an inside operation going on here, Builder and Sales manager at Crosscountry same last name? Interesting!
Product: Credit card or prepaid card

Since XX/XX/XXXX, Comenity bank, who funds my express and loft credit cards, had a system glitch that caused the payment system to crash. Payments couldnt not be made online or over the phone. I finally got through in XX/XX/2022 and found I was charged a late fee. I spoke to a rep who advised she could not reverse the late fee. I still cant get in the system to review my statements and was only advised by the customer service rep to call back in 24 hours. This is unacceptable. Ive reached out via XXXX only to be ran around in circles.
Product: Credit card

I began making payments on a Capital One/Yamaha Account. I made my first payment in XXXX XXXX, 2015. Unbeknownst to me, my due date for this account was the XXXX of each month. My XXXX XXXX Bill Pay was sending the checks on the XXXX, but they were not received until the XXXX or XXXX. I have just realized that Capital One has been charging me {$35.00} a month for the past 24 months at the tune of {$840.00} + interest. I feel like I have been taken advantage of. They will not forgive these late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

Account was closed but I was not sent money that I had left in account
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed all the necessary paperwork off to XXXX to have these accounts that do not belong to me removed, and they have not investigated the matters or responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.
Product: Mortgage

I started to refinance my mortgage with BSI Financial Services in XX/XX/XXXX. We finally closed in XX/XX/XXXX. The loan broker told me I didn't have enough equity to borrow what I needed. My house had sufficient equity. The appraiser XXXX XXXX the worth of my house The Mortgage Counsellor said that I should go FHA and after 6 months that the mortgage company would waive the PMI. I took his word on it. It was done verbally over the phone. Worst thing that I have ever done. BSI said they have no record of my previous inquiries on this subject Now to add insult to injury my real estate taxes have not been paid the last 2 quarters. The first quarter payment was late and I am still carrying a charge of principle and interest from that. I was defrauded, duped and embarrassed by both of these situations. Please I need your help with this company
Product: Debt collection

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. I have the right to request that inaccurate or outdated information be removed from my credit report. 
Here is the Item I am asking you to verify as accurate XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to PNC dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Equifax. At some point in the past, a bankruptcy ( chapter  XXXX  or  XXXX , I ca n't remember ), appeared on my Equifax report. I have never filed bankruptcy. This TANKED my score.     I have submitted request after request to dispute this information off my credit report, however they did not listen after multiple attempts. Frustrated, I looked up on  XXXX  as to whom it could possibly be, most likely 'someone with a similar name ' given that the bankruptcy was being reported in  XXXX   XXXX  GA.     In the attachment, you 'll see the Intelius results for another individual with my EXACT SAME NAME who lives in  XXXX . The first, myself, is listed in  XXXX  because I worked briefly for a company called  XXXX ,  XXXX   XXXX  from   XXXX   to  XXXX  which was based in  XXXX   XXXX  GA. I worked for them FROM HOME (  XXXX , WI  )  as a telecommuting employee, as did MANY others. There was another employee who lived in  XXXX , WI,  XXXX  guy in Texas,  XXXX  guy in  XXXX , a few in other places around the world. We all had our specialty and we all kept regular business hours and communicated via  XXXX .     For whatever reason, some public record crossed with this individual who is associated with  XXXX  University or health care for some reason. I have never been involved in that industry. This individual most likely declared bankruptcy, and it was reported on MY credit report.     At any rate, Equifax has refused to do anything about this. They keep verifying it is accurate, despite me writing them, emailing them, calling them, submitting disputes, and finally it 's come to this. I am FED UP with them, as I have not been able to acquire decent credit for a substantially long time due to this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The most recent letters disputing the inaccurate information on my credit report were sent on XXXX XXXX, 2023 and XX/XX/ 2023. Instead of resolving or removing the inaccurate personal information and accounts ( that I have been disputing and sending letters for 6+ months ), they are sending me letters to stall. 

Their letter dated XXXX/XXXX/2023 stated " ... we won't process requests unless they come directly from you or an authorized third party. '' This is completely unacceptable! I have received multiple letters from Transunion like this. I am sending these letters, not a third party. How could they determine that these letters are not coming from myself? They are violating my rights! 

These stall letters are tiring, frustrating, and a complete stall tactic. Transunion needs to remove the inaccurate information immediately.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against both Espirian and XXXX for reporting a account on my credit report that has wrong/ incorrect information that is affecting consumers credit score, violates due process of federal law and violates the Fair Credit Reporting Act. Said account was disputed with both Espirian and XXXX and verified as correct/ accurate. Said account is called kickoff lending under account number XXXX. A investigation of both reports side by side will show errors and discrepancies which will show both credit reporting agencies verified completely different info. from same account which is impossible. A copy of the consumers smart credit 3 bureau report is included in this complaint to show all errors and discrepancies since reports are side by side.Both Espirian and XXXX can't verify info for the same account and both reports be so different in nature.I am requesting that this complaint be sent to both Espirian and XXXX and that each compare both reports and investigate all errors. Said errors are : 1. High balance on Espirian shows XXXX and XXXX shows XXXX. Both differ. 2. Date of last activity with Espirian shows XXXX and XXXX shows XXXX. Both differ. 3. Date of last payment with Espirian shows XXXX and XXXX shows XXXX. Both differ. 4. Credit limit with Espirian shows XXXX and XXXX XXXX XXXX. Both differ. XXXX. Espirian shows XXXX 90 days late and XXXX shows 4 90 days late. Both differ. 6. Espirian report states last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was in XXXX. Both differ on same report. 7. XXXX report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar, it shows in XXXX that the account was 30 days late. Both differ on same report and both can't be correct. 8. Espirian report shows on 2 year payment history calendar that in XXXX XXXX XXXX account was 150 days late and XXXX report shows under 2 year payment history calendar that account was 120 days late. Both differ and can't be correct. 9. Date last verified is missing on both reports. 3 bureau smart credit report with side by side reports will substantiate all errors and discrepancies. Both bureau reports greatly differ but both verified as correct is impossible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  TransUnion