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

I am writing to report unauthorized activities on my credit report. Specifically, I have identified an auto loan and multiple credit inquiries that I did not authorize. 

XXXX. Unauthorized Auto Loan : Lender : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} This loan was opened without my knowledge or consent. I request the removal of this account from my credit file immediately. 

XXXX. Unauthorized Credit Inquiries : XXXX - XXXX : XX/XX/XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX These inquiries were made without my authorization. I request that these inquiries be removed from my credit profile. 

These unauthorized activities have negatively impacted my credit score and caused significant distress. I seek the CFPBs assistance in resolving these issues promptly by contacting the companies involved and ensuring that these unauthorized entries are removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602.A . States I have a right to privacy.

15 U.S.C. 1681 section 604.A. Section 2 : A consumer reporting agency can not furnish account without written instructions.
Product: Checking or savings account

On XX/XX/XXXX, Chase bank sent me a notice that they were closing all of my accounts. No reason was provided. I contacted the local branch and was told I needed to contact Chase at a 1-800 number provided to obtain a reason for the closure. I contacted that number and XX/XX/XXXX and XXXX and spent many hours on hold before being told that the accounts were being closed and no reason could be provided. They also said that the accounts would be closed on XX/XX/XXXX regardless of stay at home orders or my ability to access other banks. I escalated the issue to their executive office. After 13 days ( on XX/XX/XXXX ) they responded back that they would give no reason for the closure of the accounts, but would extend the closure date by 30 days. I specifically asked if they could give a reason for the closures that was not based upon discriminatory intent and they said that they could not.
Product: Credit card

XXXX XXXX has applied for credit cards from Wells Fargo, XXXXXXXX XXXX XXXX XXXX XXXX XXXX using my home address. The credit card applications were all denied however, my son 's XXXX score took a hit. The person may have used my son 's social security. 

This person is also using our address to apply health insurance from XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Purchased a new car- XXXX XXXX XXXX pulled my credit and said it was XXXX. 
I had removed the freeze the day before because we were purchasing the car- they said they would try again put the freeze and turn off- t hat was on XXXX still XXXX they told me to call Experian, I talked to Experian on XX/XX/XXXX told to call back on XX/XX/XXXX talked XXXX said my XXXX was in the XXXX 's. told me to call back on XX/XX/XXXX I did I talked to XXXX who sent me to XXXX filed a complaint- sue sent me to XXXX- who said has to be an error from XXXX not them. 
Spoke to XXXX XXXX XXXX XXXX who said no had to be Experian. 
I am concerned as to how this happened and why they are both pointing fingers at each other- I received a letter from XXXX XXXX saying the credit score is XXXX on XX/XX/XXXX ( the day that XXXX XXXX XXXX it is XXXX ) We had to take the loan under my husband whose XXXX score is less than mine- this greatly concerns me if I want or need credit in the future- who did what wrong- this can cost me for loan percentage. It has been extremely frustrating - no one can tell me why when XXXX XXXX pulled the credit it was XXXX ( like a kid out of college with no credit ). 
I would like resolution on what happened and how to make sure it does not happen again. XXXX XXXX XXXX said they use a third party to pull reports- they also said good idea to report it so that you can figure out whose fault and what went wrong. 
Thank you
Product: Vehicle loan or lease

I've wrote Honda Financial XX/XX/2021 and XX/XX/2021 to resolve the matter regarding my vehicle due to the pandemic which has been extremely hard to keep up. I've wrote them a letter requesting my original contract to pay off my vehicle and I was told by representative that my contract was shredded on XX/XX/2021. I was never given notice about my contract being non-existent. I'm paying them with no contract on file which is fraud and against my consumer rights. I've been contacted by phone numerous times regarding to pay them. I also have received several mail pieces to pay them without my contract. I have taken every avenue to resolve this matter. They have disregarded my privacy several times even after asking them not to. I owe them nothing with a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. Equifax is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Equifax written permission to furnish this account on my credit report. Equifax is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Equifax has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.
Product: Credit card or prepaid card

Please remove this inaccurate late payment from my account.
Product: Credit reporting or other personal consumer reports

XXXX, in retaliation for filing of CFPB Complaint Number : XXXX, immediately reported derogatory comments to all credit bureaus, when it was due to XXXX  compliance shortfall and their reluctance to provide a reinstatement solution that the account became delinquent. Whereas it may be their right to do so, the timing of the reporting is suspect and an obvious retaliation for exposing their questionable ways in violating regulations and not complying with requirements the consumer is entitled to. Their retaliatory action has eroded my credit score by XXXX points and if it stays, will last for 7 years. This type of action by XXXX  needs to cease and desist. Disgusting, despicable and dishonest. Supporting detail is attached. Thank you.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 8th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXXXXXX Inquired on XXXX XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C 1681. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have violated my rights under 15USC 1681 section 602 A.. it states I have a right to privacy. 15 USC 1681 section 604 a section 2 it also states consumer reporting agency can not furnish in account without my written instructions. 15 USC 1681 sections ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crime, which antedates to report by more than seven years. 15 USC 1681 sections ( A ) ( 1 ) state a person should not furnace any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax removed a positive closed account from XXXX, and this seems to be the cause of a 52 point drop in my Equifax credit score from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. After speaking with their customer service line on XX/XX/XXXX, they advised me to get a copy of my credit report to see if that explains the dramatic drop. I received the report on XX/XX/XXXX and called them on XX/XX/XXXX. The only thing on my credit report is the positive reports on the one joint personal loan I've had since XX/XX/XXXX. There are no other accounts, positive or negative, and there are no hard inquiries. 

All the reps would tell me was to contact a credit advisor so they could pull my report and explain. I called XXXX on XX/XX/XXXX, and they can not assist me as it is not a debt issue. 

The issue is with Equifax, and they are unwilling to resolve. Because credit scores and reports are always stressed to be vital in life, the unwarranted drop in only my Equifax credit score ( XXXX and XXXX have had no change ) through no fault of my own is unacceptable and damaging. Their error needs to be reversed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Obligations and Demand for Immediate Cancellation To Whom It May Concern, I am writing to formally dispute the student loan obligations associated with XXXX XXXX XXXX XXXX XXXX as held by MOHELA. This dispute arises from serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Higher Education Act.

It has come to my attention that my personal, educational, and financial information has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and affiliate entities. This unauthorized access to my confidential records constitutes a flagrant violation of my federal privacy rights. As such, it nullifies any enforceable loan agreements under federal law, and I hereby demand the immediate cancellation of all financial obligations related to these debts. 
Given the severity of these violations, I expect a prompt and thorough investigation into the circumstances of this breach, along with the immediate cessation of any attempts to collect on these loans. Under the circumstances, I also request written confirmation that my federal privacy rights have been restored and that all related loan obligations are rendered null and void. 
I look forward to your prompt resolution of this matter and expect confirmation of cancellation within 30 days of this letter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

This compliant is regarding Capital One Credit Card dispute Case # : XXXX Card issuer did not resolve the dispute case for transaction billed in the amount of {$21.00} on XX/XX/2021. Capital One Credit Card is consistely unwilling to asssit with dispute cases.
Product: Debt collection

These accounts were created without my consent. My information was exposed in data breach and from a previous marriage.
Product: Checking or savings account

On XX/XX/2021 - UWM ( United Wholesale Mortgage ) accessed my two checking accounts for 14 unauthorized transactions. My XXXX XXXX XXXX account they took out {$300.00} seven times, and put back {$300.00} seven times causing overdraft fees. On the same day to my XXXX XXXX XXXX account they took out {$1000.00} seven times and put back {$1000.00} seven times. Both of these cause my banking accounts to be flagged as a risk. All unauthorized transactions. 
On XX/XX/2021 illegally accessed my XXXX XXXX account again pulling out my rent of {$1100.00} and then pulled out my rent again on XX/XX/2021 for the exact same amount of {$1100.00} duplicating my rent payment. 
UWM website states that they were having payment issues for many customers and it would be resolved by Monday XX/XX/2021. Funds were not returned. I called and they have not resolved the issue stating they needed my banks verification to reverse the charge. Multiple overdraft fees have been incurred. My bank has referred me to the banks collections department despite a three way call that was meant to verify the funds had been debited that would have fixed this issue.
Product: Credit card or prepaid card

I went to XXXX XXXX XXXX and worked with a young lady name XXXX. I chose the furniture I wanted and she told me about the promotion of 3 years to pay off with 0 % interest. I was paying my bill on time and notice I began to be charged 29.9 % interest. I had the balance paid down to {$1500.00} and it jumped to {$3000.00}. This was false advertising and it is affecting my credit I contacted the company Synchrony XXXX and they said that they closed the account because they can choose what they want to do with the account.
Product: Credit reporting or other personal consumer reports

I recently opened a HELOC with Bank of the West ( Account XXXX ). The Bank never sent me any statement, nor they e-mailed these. When I found out that I was 60 days late on my payment from the Credit Bureaus, I contacted the Bank. They informed me that these statements had been deposited to my online access space, of which I was unaware as the Bank of the West had been acquired by BMO and they were still transitioning through their new XXXX. Suffice to say that I paid the balance and put the future payments to Auto-debit. 

I have thus far contacted the Bank, and even my relationship XXXX, XXXX XXXX, to no avail. I have never been late or defaulted on my obligations, and I find this instance and lack of their response rather malicious.
Product: Credit reporting or other personal consumer reports

This child support has been a big problem. I sent this to the child support registry. And to all three credit reporting agencies legal departments. This is the court order and motions. No one will send proof of me being behind that much. This is the court order and transcripts.
Product: Mortgage

Tried to refinance my mortgage with Loan Depot. Locked in at XXXX %. Provided all the information they required.Refinancing XXXX % of the value of my home. Have a XXXX credit history with no problems. They kept delaying the process by asking for the same materials and told me I lost my lock in rate. When I told them I would not proceed with the loan they agreed to extend the lock in at XXXX sent me my closing statement and added {$1200.00} for XXXX contacting my mortgage company to find out the payoff, they said I would close in XXXX days.I contacted them XXXX week later to find out what was taking so long and they told me I had a lien on my property.Spent all morning trying to find out what lien could be on the property downtown at the deeds office. They said mortgage company was trying to pull a fast XXXX and gave me stamped papers saying no liens were on my property.I faxed papers to loan depot and did not hear back until I called them.I was transferred to another person who explained the loan would go through but at a higher interest rate. My whole experience with loan depot took over XXXX months. I missed out on XXXX % interest rate and was out {$450.00} for my appraisal. I would hope someone could put them out of business so the ca n't cheat homeowners anymore.
Product: Mortgage

I have bad customer service from my Mortgage Servicer and would like to switch to a different one. My account information online is never up to date, their online portal is terrible and the never address any of my concerns. There is a reason they get a XXXX star review on XXXX reviews. Is there a process that would allow me to select a mortgage servicer or a least force a change? Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had ONE late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting 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 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are hard inquiries from XXXX that I do not have acknowledged off or did to show up on my credit report. I have called the credit company for these application and accounts they have closed it and have done an investigation. The hard inquiries and credit card accounts are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


Please fix these accounts in my file, I need these accounts fixed for their reports are mistaken and causing me trouble : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I am submitting an additional document for the previous complaint : XXXX. 
These documents are letters from Ocwen loan # XXXX, stating that the loan is paid in full. The letter is dated, XX/XX/2019, the date I wired the payoff amount to Ocwen. 
As I stated in my previous complaint, after I paid off the loan, I received a letter stating, Oops! we made a mistake you actually owe us an additional {$7000.00}. 
Please add this document to the previous documents I submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sw Crdt Sys ( SW CREDIT SYSTEMS INC. ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, Sw Crdt Sys ( SW CREDIT SYSTEMS INC. ) has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.