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

I had Home Depot, and Best Buy cards both issued by Citibank CBNA. 
At the beginning of the Covid Pandemic, I received phone calls. 
I explained due to the pandemic I am unable to pay, and I also had a XXXX XXXX. 
While waiting for XXXX, and that I would pay in full once I received XXXX. 
They agreed, and put me on a deferred payment, all the while reporting me for non payment. 
When I received the XXXX, I paid both cards in full. 
Now that I looked at my credit score they got me with all kinds of late payments etc This destroyed my credit rating, and I would like both a letter of satisfaction from their debt collectors. 
I would also like to have that false reporting removed. 
Thank you.
Product: Credit reporting or other personal consumer reports

I wanted reported accounts removed from all creditors ( Equifax, XXXX, XXXX ). These are the accounts that are inaccurate. 

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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX 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

I have previously reported XXXX XXXX, now they are being listed under a different debt collection agency as XXXX XXXXXXXX as an illegal debt tactics in an attempt to collect after being previously deleted. I was not notified of any additional documents or evidence to be added back to my credit report. Please delete or legal action will be taken. 

XXXX XXXX accounts were deleted XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a tax lien placed on a property I no longer own back in  XXXX . I paid the lien in  XXXX . It is only showing on Transunion and I have asked them to remove this from my credit report and they will not.
Product: Mortgage

I live in XXXX County Texas and my home was damaged during Hurricane Harvey in XXXX. I started the loan modification process for my mortgage in XX/XX/XXXX. I turned in all of the paperwork that was requested but there was this profit loss statement for my home based business. 
I saw that the paper said that I needed a CPA to prepare the profit loss statement but I hadn't made any money because I was displaced. I called my customer relationship manager and they repeatedly told me that I didn't have to get a CPA because my I had not made any money for the period that I was displaced. 

Fast forward to XX/XX/XXXX Bank of America sent me a letter saying that they were going to foreclose on my home. I called Bank of America and the representative told me that none of the Hurricane Harvey disaster victims were supposed to get the letter. On XX/XX/XXXX I called Bank of America and the representative told me that the letter had expired and that my house was in preforeclosure. 

On XX/XX/XXXX I called Bank of America with XXXX XXXX a HUD approved counselor to discussion options for my loan. The representative told us that I had to pay {$7400.00} so that I could qualify for a repayment plan for the {$2800.00} that was left on the outstanding balance. I called Bank of America today which is XX/XX/XXXX, one day later to make the payment and the representative said that I would have to now bring the account current and I would have to pay addition fees.
Product: Credit card or prepaid card

I purchased 2 Victoria Secret ( VS ) gift cards which were charged on my VS credit card on XX/XX/19 at XXXX XXXX Mall in XXXX XXXX, Ca, in the amount of {$150.00} each. I have done this for the past several years to give to my daughters as XXXX gifts. On XXXX XXXX XXXX my daughters decided to shop on line and found that both cards were at a XXXX  balance. I have been to the store and was told they could not help me. I called their customer relations department several times and opened a case with them for further investigation. I also filed an incident report with the local police and faxed it to VS at their request and to date I have not received a response. I had both cards in my safe until XXXX and the PIN numbers were secured. VS customer relations was able to tell me that both cards were used and at what location. If they can do this, they should be able to investigate further and determine the time of transaction and if the PIN numbers were used or if they were bypassed. Apparently this happens frequently with VS gift cards. VS needs to figure out a way to protect their customers and secure their gift cards. I will never purchase a VS gift card again.
Product: Vehicle loan or lease

On XX/XX/2022, I was in XXXX when I was forcefully removed from my truck by four men with assault rifles who threatened to kill me if I did not hand over my truck. I completed a police report with the help of an attorney in the city of XXXX, but the only outcome was that the corrupt attorney actually gave the truck keys to the person who leads a local XXXX. 

The XXXX authorities have since reported seeing my truck, yet have been unable to recover it. The police stated that they know where the truck is parked at nighttime. However, they are afraid to obtain the truck from these tyrants. I realize that this sounds like a bad tv show, but its real life. I have contacted XXXX XXXX XXXX to cover the stolen car, but they will not cover it. I then called Ford and asked them for help with this loan gave them details about my incident. They cannont reposess my vehicle because the vehicle cannont be obtained by anyone ; including myself. Yet they are holding me financially responsible for the truck payment to the tune of XXXX, XXXX. Before this event, my XXXX  scores were in the high 800s. Now they are in the low 600s and Ford will not agree to stop placing late payments on my report. I contacted a person at Ford who stated that if I began making payments monthly, they would remove negative information from my report to help increase my scores. But they also stated that I would be held accountable for the full XXXX and that they would NOT work with me by ceasing to report active late payments on my credit. I have since discovered that even if I DO agree to pay for a vehicle I do not owe, those payments will not increase my credit scores if there are active new late payments being reported. I have contacted a Non Profit HUD counseling center, who has encouraged me to file this CFPB complaint. 

This has become a hardship for me and I feel heavily discriminated against. I own a business, and I have never been one to default on my financial obligations. Per the Fair Credit Reporting Act, I believe that I have the right to require FAIR and accurate credit reporting. I believe that FORD has the responsibility to demonstrate consumer fairness and provide accurate reporting.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the immediate blocking and deletion of the fraudulent accounts listed below. These accounts were created without my authorization, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have them removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that the Experian, TransUnion and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of suspected identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts on my credit reports that need to be deleted immediately. 
XXXX : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED 06/17/2024 these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of the information on my credit report was erroneous, which I discovered when I examined it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) impose a verification requirement on the three credit bureaus ( A ). It is not allowed to declare these items to be unreliable information within the legally allowed time range without providing any justification. Because of erroneous reporting in my file, my credit report indicates that the following problems need to be investigated and fixed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX Mohela withdrew a loan payment from my bank account despite my loans being in the SAVE administrative forbearance. I was not provided the required statement as required by law and documents received in the mail indicated forbearance. Not only did the withdrawal come unexpected but it overdrew my bank account. 

I called Mohela that day, XX/XX/XXXX, and Spoke with XXXX. She told me that she processed the refund request and included the {$24.00} overdraft charge. Asked that I upload the letter as backup documentation online ( which I did ), and said the refund it would take 30 - 60 days to process. 

On XX/XX/XXXX I called Mohela again and this time spoke with XXXX to inquire about the about the status of my {$130.00} refund request. She confirmed that it is in process and that it takes 90 business days, which would be XX/XX/XXXX. Should be a direct deposit back to the account that was debited back in XXXX. 

On XX/XX/XXXX I still have not received my refund so I called Mohela again. Spoke with XXXX to follow up on the status of my refund as it still has not been credited to my account. The request is still open ; the Department of Treasury processes the refunds but there's no status on my {$130.00} refund, which should be direct deposited. 

Transferred to an Advanced Agent- the wait time was 82 minutes so I requested a call back. Its now 3 months later and I am still waiting for that call back from an advanced agent. 

As of XX/XX/XXXX I still have not received my refund and every time that I try to call Mohela the wait is several hours long. Its been 7 months since they took money out of my account without a payment being due or my consent and there is no recourse for me. 

Additionally, 2 of my 5 loans with Mohela keep coming up as in repayment despite all of them should be on the same forbearance. In XXXX when I called it was corrected, but the same 2 loans are showing as due in XXXX now when the rest arent. Outside of the SAVE forbearance, I am in grad school and all of my loans should be in student deferment but they continue to fail to make these updates to my account, resulting in my needing to spend hours of my life monitoring my accounts and calling them to have their mistakes corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Credit Bureau reporting companies including XXXX, XXXX  and XXXX  are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX  where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit.

This in itself is FRAUDULENT and UNETHICAL.

Please call them on my behalf.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I submitted a dispute to OneMain Financial regarding their right to collect on the alleged debt in the State of Texas. 

One Main Financial responded to that dispute on XX/XX/year> stating they did not understand my dispute. 

OneMain Financial then sent another letter on XX/XX/XXXX. 2024 stating the alleged debt had been transferred to their Account XXXX XXXX for the amount of {$16.00}, XXXX I then sent another letter to OneMain on XX/XX/XXXX disputing the alleged debt amount. 
OneMain responded with a letter stating they would correct the charge off amount to {$13.00}, XXXX. OneMain failed to do so.
Product: Debt collection

Recently, I applied for a loan through my financial institution and was informed of a credit delinquency that would lead to rejection. Initially, I didn't pay much attention to it, but upon conducting my own investigation, I accessed my credit report from all three bureaus. To my dismay, I discovered numerous discrepancies that were not associated with me and were never authorized by me. I decided to contact the entities responsible for these discrepancies, only to find that the accounts had already been closed. However, they were still negatively impacting my credit report.Realizing the severity of the situation, I promptly researched the proper steps to address this case of identity theft. I learned that I should report the incident to the Federal Trade Commission ( FTC ) and file a police report in my local county. Taking this advice to heart, I proceeded to report the incident to the FTC and initiate the necessary steps to file a detailed police report, documenting the incident that had occurred within my jurisdiction. 

The fraudulent accounts follow : Citicards XXXX. XXXX XXXX XXXX I am willing to prosecute.
Product: Credit reporting, credit repair services, or other personal consumer reports

******CPFB***** This is regaurds to an account that has a few late payments that is on my credit report, it is reporting as joint when in fact I was never ever a joint member on this card, I have tried numerous ( more than 10 times per bureau to explain that I never once filled out an application via Phone, nor in person or by mail.I have asked for some sort of proof as to why they keep updating the file as apposed to deleting it and I get nothing.I have disputed the file so many times and each time they say that they have ammended some part wich the file is not large enough for them to have done So.The part that really gets me is that i am not claiming no affileation to the card I was suposed to be listed as an authorized user on the card I never had a card it was only to benifit my credit I was never ever responsible for the bill XXXX XXXX the primary was. They even had personal info on my file that was incorrect claiming i had an address in alaska and one in florida wich i have never lived at either address, This Account in question is a USAA credit card for {$25000.00} the XXXX XXXX payed off I had nothing to do with it I do not so much care if the card has to stay for how many ever years but i should not have to suffeer the impact from the missed payments please advise XXXX XXXX, XXXX, and Usaa to remove the late payments or theaccount all together since I am placing my cries on deaf ears dealing witrh the unresponsive credit Bureaus thanks in advance
Product: Debt collection

XXXX XXXX, 2015 at approx. XXXX I got a robocall from an alleged debt collector from Dynamic Recovery Solutions. I 've never heard of this company nor do I have any debts. 

The robocall asked me to call XXXX. Suspecting a scam, I did not call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Mortgage

To whom it may concern, I signed up for paperless statements with Click n Close ( Mid America ) Mortgage company when my mortgage was sold to them. I did not personally close with this company, because I have never heard of them. I have never received any electronic statements since I first began payments in XXXX of XXXX. I went to login on XXXX of XXXX to pay my mortgage when I was hit with an enormous payment amount of {$3500.00}. When I called to see why my payment was increased, they stated that they weren't taking enough out for escrow & taxes and wanted either all {$15000.00}, at once or I was going to pay the new amount of $ 3500 monthly. They should have adjusted payments every year and not wait 3 years for this amount to build up. If this is a common occurrence with new builds, then there should be protocols put in place! You can only imagine what kind of bind this put me in as a single woman. Who has that amount of money laying around, not your average person! I thought this was very unprofessional and uncalled for because clearly this mortgage company should have audited their accounts annually. This has caused unnecessary stress to me. They should be held accountable for their actions or lack there of. If I didn't have the support system that I have in place, I would be losing my home!
Product: Checking or savings account

On XX/XX/2020 I connected to my online TCF Bank account and saw a savings account had been opened in my name on XXXX XXXX, 2020 and {$200.00} withdrawn from my checking account. 
I went to the local TCF branch nearest me and asked the teller, " Who opened a savings account and withdrew funds from my checking?? '' " I have no recollection of opening it '' He could not answer that and asked what Id like to do. 
" Cancel The TCF savings account immediately. '' The {$200.00} was returned to my checking accountt, but it troubled me why or by whom the Savings account was opened. 
I have screenshots of the transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> went to purchase a XXXX XXXX from the Apple XXXX  in XXXXXXXX XXXX. The Apple XXXX XXXX advised that I should open an Apple Card so that I could get discounts. He set up application via my phone. I purchased the XXXX XXXX and later returned it within the return period on XX/XX/year>. The Apple rep said the account was credited. Over two months later I get alerts from my credit bureaus that I am delinquent on the Goldman Sachs / Apple Card. I immediately contact Goldman Sachs on XX/XX/year> and they say that I received Apple XXXX  because of the purchase I made but there was a balance on the card because of the Apple XXXX  they credited me. I advised that I never got a statement stating this. They spent over 30 minutes trying to rectify a credit in Apple XXXX  in my wallet ( which I never used or saw ) and a balance on the card ( which I also never saw ) and they needed technical support to move the credit to pay my Apple card balance. I told the Goldman Sachs / Apple rep that I want this lateness removed from my credit bureaus. I never have received any notifications from Goldman Sachs, no statements, phone calls nothing. She said she would submit paperwork on my behalf. I never heard back. I contacted the XXXX  and they are still working on the case # XXXX since XX/XX/year>. I just want the negative reporting to be removed from my credit bureaus. I had a score of XXXX and now this blemish has dropped me to XXXX which impacts my credit worthiness.
Product: Vehicle loan or lease

I am writing to file a formal complaint against FORD MOTOR CREDIT. I believe this company has possibly engaged in improper repossession practices. Im thus seeking more information regarding what exactly happened here. On the following page, youll find more details about our complaint. 

To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/. My Social Security Number ends in XXXX XXXX XXXX XXXX Please forward this complaint to the agency mentioned above. You XXXX reply to this complaint by email or written mail. Please see below. 

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

XXXX XXXX has reported negative information on my credit report during a XXXX XXXX XXXX XXXX which caused a XXXX point deduction to my credit score. XXXX XXXX  has continuously reported incorrect information to the Credit Bureaus even though the account is in XXXX XXXX. XXXX XXXX  is reporting to the Credit Bureaus that a " Credit Line '' has been increased. This is false and is not a line of credit but a XXXX XXXX and the only thing that should be reported is an increase in interest. XXXX XXXX  uses deceptive techniques to lure people into programs and does not use competent staff when applying for XXXX  Loans. I now have two XXXX  Loans with XXXX XXXX  due to the negligence and miscalculations of a Financial Aid Staff Member XXXX XXXX XXXXXXXX ). XXXX XXXX  has REFUSED numerous times to release final transcripts due to an unpaid XXXX XXXX XXXX. They have violated my Consumer Rights and I feel this situation needs to be remediated as quickly as possible.