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

I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$640.00}
Product: Debt collection

For the past XXXX  months between the dates of XX/XX/XXXX - XX/XX/XXXX I received phone calls and emails claiming that I owed money to this XXXX party. I called to request a letter of verification and validation of this debt by contract between their company and myself. I was denied several times.
Product: Credit reporting or other personal consumer reports

Some body stole my information and true to file for credict card I dont work I dont apply for credit cards some body stole all my information all redu call XXXX  XXXX and I have that twice affecting my credit report and and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my credit information during the cyber attack announced on XXXX XXXX, 2017. I 'm extremely concerned about this breach and their response to it. They 've recommended that those who have been exposed should register on a new website ( not a subdomain of their website ) and enroll in their TrustedID Premier program. What is not made clear, is that those who enroll relinquish their right to participate in a class action lawsuit. They are using fear to reduce their risk of litigation and have left a massive number of people vulnerable to fraud.
Product: Debt collection

I DO NOT OWE ANY MONEY, DELETE IMMEDIATLY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. & I have been waiting passed 40 days for a written response ( section 609 Fcra ). I ask that you remove these accounts now.
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. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

We own a home mortgaged thru Greentree loan number # XXXX. We put it up for sale in XX/XX/XXXX. We were notify by the County that the key numbers were incorrect. We notify Greentree when we had a accepted offer thru our XXXX title company. They were trying to get the neighbors loan modify since XXXX loans were loans were with Greentree .Should be easy fix. Closing scheduled XX/XX/XXXX. Did n't happen. Green tree did n't work with it. Sent tile company that neighbors on XXXX XXXX behind on payment. Fired Title Company hired new now all research done documents sent they email yesterday and stated it could be 6 to 8 month before I can sell my home. I will lose my buyer they have waited since XX/XX/XXXX. I would understand if it was XXXX different mortgage co but the same. I have no idea who to turn to. All I want to do is pay off my mortgage and sell to these buyers. If it is not closed by the end of this month they will back out. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX  Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with TransUnion onXXXX XXXX on XX/XX/ and XXXX XXXX I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

For about a month I have been trying to get my mortgage company Flagstar Bank to release monies that they have from my insurance company XXXX to pay bills I have encored to restore my property due to the Glass Fire that happened on XX/XX/2020, at XXXX XXXX. {$260000.00} is the amount they have. I have given them XXXX in bills and canceled checks I have paid. They say first draw is XXXX. I requested an inspection one week ago and no one has called, and Ive let them no twice about this. I have an additional XXXX in bills I have submitted. One of which is {$35000.00} from my contractor XXXX XXXX. He has signed all the forms and a conditional waver of lean for this amount. At XXXX XXXX  on XX/XX/XXXX XXXX from Flagstar Bank called. I have the recording of this as she left a message. She stated that they need another waver of lean for the estimate of damage in the amount of {$390000.00}. That would mean my contractor is signing his rights away and he is not willing to do that. I do not know the law, but I believe that is an illegal practice. The only money they will get is the. {$260000.00} and we are rebuilding another way as it was our study and outbuildings and landscaping that was destroyed. We are building a pool house and will be putting our money into this. I called Flagstar Bank today and recorded the conversation with their permission. They were not able to get me a supervisor. Same as always. I believe 5 times I have tried via the phone and several times via e-mail. The representative said that they just need the lean papers signed. I asked for them to send them over via e-mail and it never happened. I have asked and demanded several times for them to release the first draw of XXXX and pay my contractor the {$35000.00}. They change the rules all the time. Please help. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I do not recognize these accounts on my report. I would like these items removed from my credit report. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$34000.00}. 


XXXX XXXXXXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 


XXXX XXXX opened XXXX XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Account opened on XX/XX/XXXX and a balance of {$350.00}.
Product: Credit reporting or other personal consumer reports

The Loans For Affirm inc have been paid and I have contacted affirm they have provided me email and documentation for this pay off I request that this be updated on my XXXX Credit Profile to reflect the loan is fully paid off and should go into A positive Status
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : $ - XXXX XXXX  XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I was supposed to have my paycheck directly deposited on Wednesday, XX/XX/2025, but when I logged into my account at Capital One, I saw a notification stating they were experiencing technical difficulties and are working to resolve the issue. It is now Friday, and I am still getting that same message and my funds are not available. According to the comments made on Downdetector, they are not giving consumers a straight forward answer to the question " when will this be resolved? '' but instead, answer with, " we don't know and it could be next Wednesday before your direct deposit it available. '' Meanwhile, I have automatic drafts that are being returned-not to mention I have no way of buying groceries, gas, etc. and a blanket statement apologizing for the inconvenience is not enough. Are they going to call all of my creditors and explain this to them? No. I want them held accountable for this unacceptable behavior along with some very steep penalties.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
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
Product: Payday loan, title loan, or personal loan

on XX/XX/2018, XXXX XXXX, debit my checking out three times. I agreed to make payment on XXXX and the acct was okay with that. due to some health issues, I wasn't able to make the XXXX, but I had planned to contact them once I was feeling better, they have done this several times and I asked my bank to restrict this merchant. I believe this company has it in for me and they feel they can charge whatever they without my authorization. they should be a law for companies like this who tend to bullied customers acct without their regard. I am sure nothing good will come out this, they are tough as nails and negotiate is not an option for them
Product: Mortgage

I previously filed a complaint against this bank, XXXX XXXX. I read their response to my concerns and I disagreed with their version for the reason they wanted to increase my mortgage amount by more or less than 25 % of the original agrreed amount. 

Therefore, I am writing this note responding to their explanation for the so-called error they claimed they have made. 

In their response, they have stated that the reason they wanted to increase my mortgage was because an insurance company, Florida Specialty, did not want to issue a policy on the property due to underwriting issues. 

Well, if that was the case, I should have heard aboout it, directly, either from the insurance company explaining to me the underwriting issue they are referring to, or, from the Agent, himself. I heard nothing other than a new payment book from the bank telling me what my new monthly was going to be. 

In fact, when I called the bank to ask them to explain the reason they sent me a new payment amount after I have been making payments for the agreed amount ( {$1300.00} ) instead of XXXX XXXX dollars, they did not mention of having a problem with insurance. Instead, they said that they made a mistake calculating the first mortgage payment they gave me which amount I have been paying to them for about two months. 

At that point, I asked them : if you claimed that you made mistake in calculating the {$1300.00}. 

what else did you make mistakes about in this transaction? 

I think their blaming misconduct on the insurance company is a startegy on their part to circumvent the rules and to cover their track because they realized that someone was paying attention to what they were doing and they got caught. They should be allowed to get away with a vialoation like that has caused me so much pain and suffering to the point where I came close to losing my livelihood, my job. 

Besides, if that was true that the insurance company was ready to cancel a policy that they already issued on the property, they should have told me about as well and immediately return the check they received for the primium for almost two months prior. No on that happened. 

But, I received a check from for {$440.00} after I filed my complaint with CFBP. Why didn't I receive such a check long time ago? Again, someone is covering their tracks to prevent CFBP discovering the abuse that they have intended to inflict on me, as a consummer. 
That's waht is going on. 

Their misconduct affected my health and my daily living. I don't want another little guy like myself to fall victims to big predatory acts like where the consummer feels this is case between XXXX and XXXX and little XXXX does not stand a chance against such a gaint who has at his disposition all sort of clever excluses not be held accountable for their actions. 

A violation occurred here and it should not be pushed on under the rug like this ; like it's nothing while the consummer has big wounds showing the abuse he has endured from this major institution who has no intention to take any responsability for the harms their actions have caused.
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS EXPOSED IN THE XXXX XXXX DATA BREACH, AND I HAVE HAD SEVERAL UNKNOWN SCAMMERS OPEN UNAUTHORIZED ACCOUNTS USING MY INFORMATION. THIS IS CAUSING FINANCIAL HARM TO ME. I AM ALSO UNABLE TO GET A CAR LOAN OR A HOME BECAUSE OF THIS. I NEED THESE FRAUDULENT ACCOUNTS REMOVED PERMANENTLY AND IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account.

Original Open Date : Provide the precise date when the account XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Credit reporting or other personal consumer reports

I have inquiries that are fraudulent and not authorized by me. I also have incorrect variations of my name and inaccurate address on my consumer file. Please see attached FTC report. I only have XXXX name that should be reporting which is XXXX XXXX and XXXX address XXXX XXXX XXXX XXXX, XXXX  XXXX and NO previous addresses.
Product: Checking or savings account

I had lost my wallet with my bank card and identification in it one day I received an email stating someone has deposited checks in my name. I went to the Bank Branch talk to the manager and filed a police report the bank still hasn't done anything about it. Wells Fargo and someone was trying to transfer money to a XXXX card. Now how ever the bank says I owe them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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.

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO TRANSUNION credit report which I do not recognize as reported and which are the result of identity theft and fraud. The fraudulent account consists of a student loan account : DEPT OF EDXXXX opened XX/XX/year> under XXXX. 

All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TRANSUNION credit reporting agency block all of the accounts, collections, hard inquiries, and charge-offs identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that you manually process my 605B deletion request and block all fraudulent inquiries from my credit report immediately, as per FCRA 605B. This includes following the law, which does not require further validation from creditors once proper identity theft documentation has been submitted. Investigation Under FCRA 611, I request an investigation of the fraudulent items on my credit report, including providing detailed sources of information relied upon for their verification including communication with the FTC.
Product: Credit reporting or other personal consumer reports

Provided proof on data breach for identity theft issue with inquiries. XXXX Account was opened then immediately closed once I complained. XXXX account open tries never happened.
Product: Debt collection

I contacted ALEXANDER ROSE on XX/XX/2023 regarding a collection account on my credit bureau reports I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor never responded
Product: Debt collection

This collection agencies REPORTING I own them, I have never open an account with them or have any contact with i
Product: Checking or savings account

On XX/XX/2019 there was a charge made in my account from XXXX XXXX XXXX in the amount of {$180.00}. When I noticed the transaction I contacted Capital One and explained to them that this was an unauthorized transaction. They opened a claim and issued me a temporary credit on XX/XX/2019. On XX/XX/2019 the credit was reversed. I contacted the bank to find out what was going on because I hadn't received any correspondence regarding this claim. They told me that they contacted the company and they had my name, email, and address and that the claim is closed as being valid. I asked for the contact information for the company and when I contacted them they said that this charge was for an online school. I explained to them the same as I had explained to my bank and they told me that my bank had closed the claim in their favor and that there was nothing that they could do. the letter decision/non-factual conclusions based on circumstantial " evidence '' which draw no conclusions of FACTS regarding this matter is what Capital Oneis using as a reason to not refund my money. I previously stated to Capital One, that I did not benefit from these transactions Capital One 's unverified conclusions were based solely on circumstantial papers or hearsay. The decision of denial regarding the disputed transactions Is prejudicial to, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX account. without verified proof Capital One has a duty to replace the funds taken from the XXXX XXXX 's account. 
Sincerely, XXXX XXXX, Account beneficiary All rights reserved XXXX.