23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint concerns a home equity application to Nationstar/MrCooper during XXXX of 2023. 
We were taken through the process and submitted more and more documents along the way. 
During the process, due to changes in our terms and amounts,, or if I had a question, when I could not reach our primary advising representative, I attempted to contact that person 's manager ( as directed ), then that person 's manager, then that person 's manager, and so on. I was not able to reach any of these individuals, nor did they return any of my messages. When calling the last manager on the chain, the phone # was not even an active phone #, and was then directed to contact the standard customer service #. Very frustrating. 
After going through this process for roughly 6 weeks, we were abruptly told that since we were considered to have a " rural '' property, our loan amount was limited to {$15000.00} less than was previously agreed upon, while being required to pay an additional {$15000.00} just to get the loan. 
This obviously was not acceptable, and we believe this was done as a way of saying " we don't want to loan you the money. '' They were aware of our " rural '' address from the very beginning of the process, and this was never mentioned as being a concern.
Product: Debt collection

I am a living soul, and I am here on behalf of the principal XXXX XXXX XXXX. I am a victim of unfair debt collection practices. The company Absolute Resolutions Corporation is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. The debt is reporting on my consumer credit report as {$XXXX} for one " account '' and {$XXXX} for another " account ''. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am rquesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. The three accounts below are listed as collections on my credit report : Midland Credit Management/XXXX XXXX Midland Credit Management/XXXX XXXX Midland Credit ManagementXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within four days from the date of receipt of this notice. I look forward to your response. 

Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Opened XX/XX/XXXX {$26000.00} XXXX XXXX Opened XX/XX/XXXX {$380.00} I dont know where these accounts are coming from these are fraudulent accounts My information may have been impacted by the XXXX , XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Also, If these accounts are old, it is illegal in itself to create a new date to start the 7 years over that Ohio has which states a debt come off credit after 7 years in Ohio Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law. 




Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I found a hard inquiry from XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. I called them and explained that I never applied for credit. I demanded that they provide details and they refused. They suggested I complain to TransUnion and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This is the account to be corrected of : XXXX XXXX XXXX XXXX Balance : {$4700.00}.
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank On-line bill pay feature. Account holder specifies date and amount to be paid. Bank mails a check to an individual.

Problem : Bank debits the account on the date the check is written ( not the date the payee deposits the check ).

USPS takes 5 to 7 days to deliver mail.

Banks receives extra interest-free float on the check amount for the time the check is in the mail plus any time the payee takes to deposit the check.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Vehicle loan or lease

I am a victim of identity theft. Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. I have included a copy of the FTC report, as follow ; I am a victum of identy theft and inaccurate information. After reviewing my credit reported by XXXX, I noticed fraudulent account being reported, Auto Now Financial Services , Inc . This is an issue of material fact and there is no doubt the evidence is insufficient and is genuine of the material fact, and must be resolved against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this item. Congress inacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent Inquiries on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I recently ( XX/XX/XXXX ) went through identity theft where someone stole over {$13000.00} from my bank account. I filed disputes with my bank ( Credit Karma/XXXX XXXX ) and so far most of the {$13000.00} was returned. However, on XXXX both my Spend ( checking ) and Savings account was locked and no explanation was given. I called in to Credit Karma Money support and the agent informed me they were reviewing my account for my security and the matter would be resolved in 7-10 business days. I told the support agent 7-10 business days was an unacceptable amount of time for my account to be frozen as I have bills to pay and I am currently overseas and need to pay to travel home for important meetings. The agent then had to asked I confirm my identity by uploading the front and back of my drivers license along with a selfie photo of me holding my ID under my chin so he could escalate my case. After providing the requested documents the support agent said that he had escalated my case and I could expect resolution in 2-3 business days. I called back in today ( XX/XX/XXXX ) as it has been over 3 business days and the agent now says the case will take 7-10 business days. I asked why as my case was supposed to be escalated and the agent said that I was informed wrong and that it will continue to take 7-10 business days. I asked why my account is frozen and they told me they cant disclose any information to me. I asked to speak to a manager and was told no manager was available to me. I asked to speak to email with someone on the team who is reviewing my account to unlock it and they said that I cant talk or communicate with anyone on the team reviewing my account and again they cant disclose why my account is frozen.
Product: Payday loan, title loan, or personal loan

Car was repossessed XX/XX/XXXX. I received about {$2000.00} in toll and parking tickets from dates way after the car was repossessed. BHFC financial services never sent me repossession paperwork that I needed in order to show the toll and parking companies that none of the tickets were my financial responsibility. I have been trying to get the correct paperwork for over a year from them. On XX/XX/XXXX I spoke to a representative named XXXX from BHFC about sending not the intent to sell paperwork ( which is what I have been sent previously and has the wrong repossession date XX/XX/XXXX ) but the repossession paperwork that showed the correct repossession date and towing company. She said okay. The next monday I received yet again the intent to sell paperwork. Nothing that shows the correct repossession date and towing company. On XX/XX/XXXX I called again to request the repossession paperwork. I spoke to a woman named XXXX who was very rude. She told me that the paperwork that they sent me ( intent to sell ) was all that I needed. I asked her for paperwork that showed the date of repossession and who repossessed the car. She then continued to avoid my question and gave me a phone number to the tow company who repossessed my car. I asked for her email so I could follow up with specifically her about our conversation and she replied " you can have your legal team contact our legal team. '' She refused to give me her email, and also refused to send the correct repossession paperwork. 
I would like this issue to get resolved without getting lawyers involved but, if it does not get resolved, I will have to take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and inquiries I did not authorize, please delete them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/26 I disputed A inaccuracy on my credit report which is a bankruptcy. Transunion and XXXX  said that the bankruptcy came back verified.They could not verify the bankruptcies with this creditor because the creditor in this case is a Bankruptcy Court who informed me over the phone they do not verify bankruptcies with anyone. It is a violation of my rights. The letter I got from both XXXX  and Transunion allegedly said they verified this was my account with XXXX XXXX which is a third party vendor and against the FCRA. XXXX  wasnt able to verify that the bankruptcy was mine and have deleted the bankruptcy from my report.
Product: Checking or savings account

They would hit me with overdraft fees 2 times sometimes XXXX of XXXX dollars which was crazy
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote Equifax to start an investigation into credit inquiries appearing on my credit report I never authorized! I never heard back from them and they still are on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not gave permission for these companies to run my credit : Credit Plus or XXXX to run my credit. Please remove this from my reporting. Thank you so very much! 

Credit Plus has run my credit on these days : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX has run my credit on : XXXX/XXXX/XXXX
Product: Debt collection

On XX/XX/2021 i sent a certified mail requesting that a collections placed on my credit report be verified. Up to the date of this complaint i haven't received any reply on this matter.
Product: Credit card

XX/XX/2024 Chime Credit Builder It is Credit Builder card I have to load the money to use it, I was not informed of a monthly fee and what that amount is and I am confused on why I owe money for a card I can only use if I put the money in it, yet the customer service guy said I have a balance and have to pay it or it will go to my credit report, this card is set up as a debit and I did not see anything saying that I will owe chime money for using the card that I have to load the money in order to use it, this is set up to take peoples money that the consumer is pre loading the funds into just like a pre paid debit card please help me and look into this line of business,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit file and noticed Bank XXXX XXXX was reporting 2 old accounts. I asked for XXXX to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.
Product: Credit reporting or other personal consumer reports

In XXXX, I received a text message from an unknown individual who claimed to have mistaken me for a colleague. Initially, I informed the person that they had contacted the wrong person, but they kindly apologized for the confusion and mentioned that they were from XXXX XXXX. Since I live in XXXX, I assumed we were not acquainted. 
Over time, this person, who identified himself as XXXX, began sending me friendly messages and eventually extended a gesture of apology for the initial mistake, inviting me to meet him. 
Gradually, the conversations developed into a friendly courtship, with discussions about family, work, and everyday life. XXXX presented himself as knowledgeable about investments, particularly in cryptocurrencies, and offered to teach me about crypto trading. 
Intrigued by the prospect of earning additional income, I decided to take part in cryptocurrency investments with XXXX & # XXXX ; XXXX guidance. He introduced me to a platform called XXXX and instructed me on how to trade and invest. Initially, I invested a small amount of {$3000.00}, which yielded a modest profit. Encouraged by the results, XXXX advised me to invest more for better returns. 
As the trading activities progressed, XXXX gradually increased the investment amounts required to participate in the trades. Each time, he assured me of substantial profits. Eventually, I accumulated an investment amount of {$160000.00}, inclusive of profits generated. 
However, when XXXX insisted, I invest a further {$300000.00} to participate in the next trade, I expressed my inability to provide additional funds. In response, he suggested various measures, such as selling assets or seeking loans from banks and friends. It was during this time that he started discussing future plans together, including buying a house and going on vacations. 
Realizing I couldn & # XXXX ; t acquire the additional funds, XXXX proposed that I withdraw the money from my XXXX  account. We initiated a transfer process, but the funds never appeared in my wallet on XXXX, as expected. Subsequently, I received emails requesting payment of taxes on the supposed profits and informing me of an ongoing review of the withdrawal.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Account Information ( Account Number : XXXX ) Dear XXXX I am writing to formally dispute inaccurate information regarding an account reported by XXXX XXXX XXXX, with account number XXXX, which is currently appearing on my credit report. The information being reported is incorrect, and I am requesting an immediate investigation and removal of this account from my credit file. 

Disputed Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : Inaccurate information ( please specify inaccuracies here if you know specifics, e.g., incorrect balance, misreported payment status, unfamiliar account, etc. ) This inaccurate account is negatively impacting my credit score and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a complete and accurate credit report, and I am requesting that you : 1. Immediately investigate this account for inaccuracies and provide all documentation verifying the legitimacy of this debt as it pertains to me.

2. Remove this account from my credit report if it can not be verified as accurate within the allowable timeframe. 
XXXX. Confirm in writing the outcome of your investigation and provide me with a new copy of my credit report that reflects these changes. 

If XXXX XXXX XXXX can not provide proper verification of this account, I respectfully request that this item be removed from my report. I also request that the credit bureau update me within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

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

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXXXXXX. In accordance with the fair credit reporting act, Public law 91-506, Title VI, Section 611, Subsection A D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.