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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Vehicle loan or lease

I made an attempt to purchase a vehicle from XXXX  XXXX XXXX and GM FINANCIALI have been denied, any adverse action is illegal. I am the original creditor in fact consumer, I am a natural person.
Product: Credit reporting or other personal consumer reports

I never gave no one permissible purpose to pull my consumer report. The following inquires are identity theft please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hello, A list of medical bills appeared on my credit report that I am requesting to be removed, but there has been no response. 
The list amounts to {$9200.00} I sent two debt validation letters. One on XX/XX/2021 and the second final attempt XX/XX/2021. 
I did not receive a response to either, but they continued to call me daily through out those two months. 
Now I am moving to file a CFPB complaint for failure to validate the debt.
Product: Money transfer, virtual currency, or money service

me and my boyfriend were messaging this well-known XXXX XXXX XXXX XXXX which we come to find out he was impostering this account. It was a fully verified account with XXXXXXXX XXXX XXXX told us to wire money to this specific account for a watch we did and no one responded and we got no watch
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Repossession on Credit Report Dear Sir/Madam , I am writing to dispute the accuracy of the repossession listed on my credit report under the account with XXXX XXXX for the loan of XXXX. I am requesting that this entry be investigated and removed if found to be inaccurate, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605, which mandates that negative information be removed after 7 years or earlier if the information is incorrect. 
The repossession was reported on my credit file as seen below as of XX/XX/XXXX, and I believe it may be inaccurate due to The open date on all three credit reporting agencies is incorrect. Date of last activity is different on all three credit reporting agencies. Highest balance is different on all three credit reporting agencies. Date reported is 6 years after the closed date and this date is different on all three credit reporting agencies. Additionally, I would like to note that under the Fair Credit Reporting Act, inaccurate or outdated information must be corrected or removed, and I am requesting that you conduct an remove this from my credit report Please investigate the dispute and notify me of your findings within the 30-day period as stipulated under the Fair Credit Reporting Act. If you require any further documentation or clarification from me, please let me know. Please be aware that each violation of inaccuracies carries a XXXX penalty and if not removed, I will proceed with legal action. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the update to my credit report. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX last 4 of social Account number XXXX
Product: Mortgage

To Whom It May Concern, I am seeking advice and/or assistance regarding my present situation with my mothers estate. 
I inherited the property in 2010. 
Found out about my mothers consensual loan during escrow. 
Loan company would not transfer the loan to me. 
They let me continue payments for my deceased mother. 
I removed my deceased mothers name from quit claim deed soon after that. 
I have been paying ( with no delinquencies ) since 2010. 
During that time, the consensual loan was handed off to different agencies and became a mortgage loan. 
The newest collection agency will not give me any information about the loan because they say they have no proof I am executor. 
I sent them documents at the beginning of their takeover of loan and again about a year later. 
They say they do not have them nor any record of receiving them. 
They have been accepting my payments until XXXX, which they have already cashed. ( Sometimes they cash the check extremely late in the month and Ill get a late notice ) They are now saying I ( my mother, actually ) am delinquent for three payments, XXXX ( which they have deposited ), XXXX and XXXX. My bank statement confirms all three payments were sent on time. 
When I receive phone calls from them or call them, they will only relay information to my mother, who died in 2010 and not to me. 
They have spoken with me recently trying to get the proof of executorship, but seemed to focus primarily on the deed. 
They insist I provide them with new copies of several items of paperwork which I have submitted in the past, twice. Especially the deed. 

I am now considering the possibility that they need these documents to legally transfer the debt to my name, and the possibility that, if they dont have any documentation on me, that I may not be responsible for my mothers debt after all, and that I may be relieved of further payments and, perhaps, even entitled to a refund of the payments I have been making since 2010. 

Can you please tell me if I am legitimately responsible for the payments? 
Can they take the property away from me?
Product: Vehicle loan or lease

Hello, I am a natural person residing in XXXX XXXX, Virginia. A natural consumer as defined by the FDCPA ( 15 USC 1692a ( 3 ) ). A natural person obligated, or allegedly obligated, to pay a debt owed or due, or asserted to be owed or due a creditor other than westlake financial arises from a transaction in which the money, property, insurance, or services that are the subject of the transaction were incurred primarily for personal, family, or household purposes and I incurred the obligation, or alleged obligation, owed or due, or asserted to be owed or due a creditor other than westlake financial.

Westlake financial uses instrumentals of interstate commerce or mail in which the principal purpose is the collection of any debts, and or regular collection or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due another. 

In connection with the collection of an alleged debt, an Adverse Action was taken against me. Westlake Financial, via its agents and or employees, " XXXX XXXX XXXX '' on XX/XX/2022 before XXXX, unlawfully detained consumers good ( AUTOMOBILE ). 

Westlake financial falsely represented that I owed an alleged car loan debt. However, the alleged debt was actually for a line of credit and not a loan and as such, Westlake Financial falsely represented the character, amount, or legal statue of the consumer 's debt. ( 15 USC 1692e ( 2 ) ( a ). ) Westlake financial failed to provide proper disclosure and notices, ( Notice of the right to RESCIND and CLOSING DISCLOSURES ). Upon doing some extensive research, I discovered that when I entered the dealership, XXXX XXXX, to apply and obtain an extension of " CREDIT '' by and through a " CREDIT APPLICATION '' for the consumer goods purchase, the dealership subsequently submitted a " LOAN APPLICATION '' in my name ( Identity Theft ) resulting in XXXX XXXX receiving an " ADVANCE '' ( LOAN ) in my name establishing an asset account from XXXX XXXX in return for the assignment of the retail contract ( Credit Sale ) to Westlake Financial for deposit into a " LOAN POOL '' in return having me pay back pure profit and covering deception. 

Even though I know the debt is an alleged debt and not mine, I have tried to resolve it by XXXX XXXX, Tender of full payment in the amount of {$17000.00} through IRS form 1099 NEC. The payment was sent via post office Registered mail- XXXX on XX/XX/2022 and was delivered at the payment center on XX/XX/2022. Exhibits attached. Westlake financial has not updated the Account and instead sent me a letter after XX/XX/2022 after receiving my payment to cure, of going ahead to sell the consumer good ( AUTOMOBILE ). 

Westlake financial and XXXX XXXX criminal behavior and conduct, deceptive and misleading documentation and practices, changed the identity of my private consumer transaction into a public commercial transaction for XXXX XXXX and Westlake Financial profit and gain.
Product: Mortgage

Summa ry : Ocwen is not reporting Mortgage payment to any of the credit bureaus for over ( 11 ) M onths.     Made numerous contacts with Mortgag e Company and they investigated and concluded it was not being reported and gua ranteed that it would be reported as of  XXXX   2017 . As of this date it is still not being reported.     I have contacted their investors  XXXX    XXXX   and they too stated they would resolve this issue. There has not been any action taken on their part as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has an option for consumers to use their online dispute feature at the website disputetransunion.com. There system is preventing me from accessing this feature without providing me notice. I correctly logged in with my account, I know this because I can access my profile and it reflects my information, but when I try to use the dispute feature I get the following error message : We are experiencing technical difficulties. 
We appreciate your patience while we resolve this issue. Please contact us at ( XXXX ) XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX ET Mon-Fri ). You can also mail your dispute. 

I then tried to log out and click the log in help link that says Forgot your username or password? and directs to the link https : //dispute.transunion.com/XXXX. 

That link directs you to a page that asks for credentialing information, which is social security number and last name. When I correctly enter that information, it directs me to a new page with the following error : We are unable to complete your request. 
What happened : We could not log you in with the information you provided. 
What to do : Please contact us at XXXX. 

I strongly believe that this is due to the fact that I have recently accessed the dispute page on numerous occasions to compile the information that I need to generate an online dispute regarding a specific item on my credit report, but have yet to submit. I believe that the company is trying to limit my rightful access to my report. Thank you.
Product: Checking or savings account

XX/XX/2023 Total amount is {$2700.00} There have four transactions that I didn't authorize. Two were from XXXX and two were from XXXXXXXX XXXX Later, I found someone using my debit card to withdraw money at ATM, which was also unauthorized. The first time, I dispute these transactions. And they give me the credit. But later, they told me they can't do it and then take the credit back. Thus, I called chase bank again, and an agent suggested that she can help me to withdraw my complaint and refiled it again. But the thing is, they didn't investigate and directly reject my complaint. The third time, customer service told me they can't do anything because of my duplicate file. Let me think of other options. But the thing is, I just do what the customer service suggests. In the end, they didn't solve these unauthorized transactions and leave me away. So, I come here to ask for help. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 and XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to freeze my own, my wife and my father 's credit reports through Experian 's website, but have been denied each time, even though XXXX and XXXX approved my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX is not my account. Please delete and remove immediately or legal action will be taken against your company.
Product: Credit reporting

Santander ( then XXXX Bank ) made a banking error on XXXX XXXX, XXXX wherein they paid a bill from a closed account that, as it turns out, they never actually closed. We IMMEDIATELY paid them back but they insisted they were in the right and charged us an overdraft fee that snowballed into a few hundred dollars. I fought feverishly with them to make things right. Rather, THEY PUT ME THROUGH HELL, in fact, I 've NEVER experienced incompetence quite like this in my entire life. At some point, they removed the interest and some other part of the alleged total due, leaving {$97.00} on our account ( that eventually got charged off ). FINALLY, in XXXX XXXX, XXXX provided a letter stating NO DELINQUENCIES which I provided to Trans Union. Upon following up with them, I discovered that they 'd not removed the 'derogatory ' info. I contacted XXXX INNUMERABLE TIMES to let them know that the negative info still resided on our Trans Union reports. They instructed me to provide a copy of the XXXX XXXX letter, that that was all that needed to be done. Apparently not. From XXXX XXXX until XXXX XXXX, I filed XXXX disputes. In the interim, in XXXX XXXX, I actually got a 'LIVE ' employee at XXXX to work with me on this. She told me that if TU failed to cooperate, she would take care of it, but to first file another dispute which, as I stated, I filed XXXX. That was the last I was able to make contact with her despite attempting to call as well as faxing her numerous times. In fact, it was as though I 'd gone back to square XXXX. Meanwhile, all of the disputes with TU have yielded the same result : XXXX verifies the info reported as correct. Yesterday, XXXX XXXX, I called TU 's Special Handling Dept again and realized at that time that I 'd reached the end of the line in regard to getting ANY kind of resolution. Altho the FCRA allows for the consumer to be made aware of the dispute details, i.e., who the credit reporting agency spoke to, what was said, etc., apparently, TU has it all down to a sneaky science. Not only do they farm out the dispute handling to foreign countries, but they do not use human beings at all. As it was explained to me, the disputes are sent via " electronic portals '' ONLY. In other words, there is NO personal contact with the creditor whatsoever. The info is entered, sent, and that is it. The XXXX XXXX letter - XXXX & XXXX EVIDENCE PROVIDED BY THE CREDITOR - is not part of the dispute process. I was told that the letter does n't mean anything ... the creditor must verify the information regardless. SO ... this means that there is NO WAY POSSIBLE for us to get the information removed as each party - XXXX and TU - is married to its faulty practices and/or incompetence AND THEREBY IN VIOLATION OF THE FCRA. Our excellent credit is soiled with no solution but to file suit against XXXX parties -- unless you can help. What I have been put through over the past 3 years is beyond words ... all over a lousy bank error. It does n't appear that the new laws have much effect.
Product: Debt collection

I found a collection on my credit report from Midwest Recovery Services and they told me it was in regards to a payday loan I have no knowledge of. I was never notified prior to this showing up on my credit report. I asked for proof and they denied to give it to me, rather they said they reported it as fraud and the client will need to file felony charges. I want it removed from my report unless they can provide something showing I am mistaken. Obviously if I owe I would pay but I do not believe I owe anything. They say original creditor is XXXX. I 've never heard of them.
Product: Credit card or prepaid card

On XX/XX/XXXX, I transferred a balance of XXXX to my Capital One credit card by clicking the " Transfer and Save '' button in an email that was sent to me by Capital One offering 0 % APR for XXXX months. The request was approved and the confirmation read : While you carry a promotional balance, you'll see an additional payment option - the Interest Saver Payment. Pay at least this amount each month to avoid interest on new purchase without having to pay your balance in full.

The original email also contained information about avoiding interest charges : Q. Can I avoid interest on new purchases after I accept this offer?

A. Yes, you can! Pay your Interest Saver Payment ( the minimum payment plus all your non-promotional balances, including purchases, cash advances, fees and finance charges ) by the due date each month, and you wont pay interest on new purchases. You can find the Interest Saver Payment amount on your monthly statement and your online account as a payment option.

The first statement since the transfer posted, on XX/XX/XXXX, was generated on XX/XX/XXXX. This statement did not include a Interest Saver Payment on the monthly statement or online, so I called customer service. I spoke with XXXX XXXX, who worked with a female supervisor. She told me that my Interest Saver Payment would be XXXX, but that she could not produce anything in writing verifying this. For this reason, she transferred me for further assistance. I then spoke with XXXX XXXX, a General Account Supervisor, who said that the transfer did not appear to have promotional terms. He said that there was a known issue, that some customers experienced a transfer that did not have the correct terms. He advised that a case would be opened to investigate this matter and that a decision should be made in XXXX billing cycles, and a letter sent in XXXX days after that. He said that in the meantime, the balance that would begin to accrue interest but that it might be refunded to me if it were determined that I was not given the correct terms. He said that he was not able to do anything further to assist me in getting a resolution before my balance was due. He said there was not anyone at Capital One that he could escalate my issue to.
Product: Credit card or prepaid card

Fraudulent charges were posted to my credit card account which were disputed and a complaint submitted with CFPB ( See Complaint ID # XXXX ). Case was found in my favor as credit card holder. TD Card Services issued credit for the fraudulent charges on XX/XX/2020. TD Card Services failed to issue credit for any of the interest charges accrued during the 8+ months it took to resolve the situation. Therefore another complaint was submitted to CFPB ( see complaint ID # XXXX ). Again case was found in my favor as credit card holder. TD Card Service credit interest charges up to XX/XX/2020 on XX/XX/2020 but not all interest charges. However since TD Card Services took until XXXX to provide credit/refund of interest charges interest fees were charged by TD Card Services on account statements dated XX/XX/2020 in the amount of {$44.00} and statement XX/XX/2020 in the amount of {$42.00} totaling = {$87.00}. We pay our credit card account off every month and did not carry over a balance any month in 2020 with the exception of the fraudulent charges and any finance charges, which I refuse to pay. Therefore we are seeking a credit/refund of all interest charges incurred during 2020 to date including the 2 mentioned above and any subsequent interest charges until matter is completely satisfied. We are demanding TD Card Services follow it's obligations set forth in the " Credit Card Agreement '' and the " Visa Zero Liability '' arrangement.
Product: Credit reporting or other personal consumer reports

The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by TransUnion, XXXX and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

TransUnion and XXXX have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The duration of the loan is 36 months, which I just completed. I was accessed and paid late fees every month that I was unable to pay my bill on time due to the pandemic. My vehicle was repossessed during the time I was waiting for my unemployment benefits to kick in. I got the vehicle back when I received the benefit, paid all outstanding bills before the vehicle was released to me. To my surprise after making the last payment on the loan which was the end of XX/XX/2021, I was told that I still have a balance of over {$1300.00} before I can get the title to the car. I asked for the breakdown of the claimed balance and they told me {$500.00} for repossession fees, {$120.00} for changing the lock on the car, other unexplainable fees and accumulated late fees. How can I have accumulated late fees when I paid late fees every single month that I was late? Why charge me repossession fees twice when I paid what the company asked me to pay before the car was released me? I need clarifications on these matters. Thanks for your intervention