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

XXXX  and XXXX  of XXXX were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical California drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXX XXXX XXXX XXXX I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a capitol one credit card account On the date XXXX XXXX  for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live. I have attached my police report and identity theft report to this matter
Product: Credit reporting or other personal consumer reports

Hello! 

3 days ago I realized my Equifax score dropped over XXXX points which was crazy to me in a matter of a day, there were remarks added and now I notice on XXXX XXXX ( XXXX ) collections on Equifax but when logging onto Equifax there have not been any collections reported. Please delete or update as it was prior to this data error. 

I have attached a file of credit karma as well as a report from Equifax on XXXX and XXXX where there are no collections reported. 

I am not sure whats going on but it looks like my data is getting mixed with someone else. 

Thank you,
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX 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
Product: Mortgage

I was informed by my mortgage lender, Movement Mortgage in XX/XX/XXXX that my loan was in forbearance and that my spouse, XXXX XXXX, was considered a successor in interest on my mortgage. I had received no paperwork regarding these loan modifications, nor did i agree/apply to them. I am the sole person on the mortgage and the deed and title are both only in my name. I was notified that XXXX XXXX, has been listed as the primary contact on the account with phone number as his for primary contact of XXXX and email XXXX On XXXX I was told to call back to get any update on the investigation into the forbearance and successor items in question. 

I called back on XX/XX/XXXX to cancel the forbearance as I did not know the terms nor had I applied. I was then told to call back the following week to get more updates.. 

I called back XX/XX/XXXX and was told they would process my request for documents/supporting application materials for these request and could take up to XXXX weeks. 

I talked with the XXXX XXXX  XXXX XXXX, HUD # HUD XXXX, and talked with their office on XX/XX/XXXX about forbearance and contacting Movement regarding these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion keeps putting delinquent accounts on my credit report. 

Last week I noticed than an extra account was added to my credit report from XXXX XXXX XXXX with a balance of {$0.00} the strange thing they reported also that this account was opened on XX/XX/XXXX ( 2 yrs, 8 mos ) and it was reported THIS WEEK how that's even possible same issue happened with 2 accounts XXXX XXXX XXXX opened XX/XX/XXXX ( 3 yrs, 4 mos ) and XXXX  XXXX XXXX opened XX/XX/XXXX ( 2 yrs, 10 mos ) I don't know how that even possible, XXXX  XXXX XXXX and XXXX showed up a year ago on my report, i tried to dispute them 5 times, they didn't respond i hired a credit repair company for {$1500.00} they didn't remove anything. Also there's a plenty of false addresses on my report as well that I've never lived on. There's over 36 address in the past 3 years so according to them I change my address every month, also 15 credit inquiries I'm my credit report I have no idea where they're from! 

I'm really frustrated I pay 13 % in Interest just because TransUnion doing this.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are not complying with their own policies in a timely manner. 

On XX/XX/XXXX I wrote XXXX, XXXX, Experian About some inaccurate And Incomplete Credit information. and I Demanded to see Verified Proof. it XX/XX/XXXX and I have yet to hear back from either of the three credit bureau. with them failing to do so has hurt my ability to obtain credit UNDER FCRA UNVERIFIABLE ACCOUNT MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERFIABLE PROOF. YOU MUST REMOVED THE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company said we were 30days late for XXXX and it was only XX/XX/XXXX and reported it to XXXX. As a result my credit dropped by XXXX points we have called several times and this company was rude everybody rude, lying, and downright trying to play you for a fool. They are XXXX XXXXXXXX to the fullest.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see from the numerous complaints I have filed against the 3 credit bureaus. Each time they attempt to make changes to my credit report it continues to make my report WORSE! 

I feel like I am being stalked. If I apply for credit it instantly and I do mean instantly hits my credit report and it makes my score go down. When I pay the credit down or off, it makes my credit score go down and it takes at least 30 days to see the impact. 

I take exception to creditors determing when and whom I apply for credit with. No one, except me knows my goals or objectives. Just some unintelligent folks trying to determine them for ME? If the credit system would have analyst that could really analyze we might make some progress. 

I still have not obtained my first goal - REFINANCE MY EXISTING XXXX XXXX XXXX Mortgage. Thanks to the 3 Unfair Credit Bureaus providing inaccurate information, I did not QUALIFY. ( NOT TRUE ) Had the credit information been correctly reported, I would have my refinance and have {$1900.00} more in my account monthly and be paying {$1900.00} less per month for a MORTGAGE PAYMENT. 

Being that I am Retiring and planned on my Retirement Car Purchase after the Refinance I now have to get the vehicle having to qualify with a different SCENARIO! 
What's Fair about that? 

NOT FAIR NOT FAIR! So much for the Fair Credit Reporting Act! 

I Demand that EVERY creditor I applied for Credit With be sent my corrected CREDIT REPORT and that I be CC 'd with the Scores and an explanation from them as to why I did not but would have Qualified given the correct informationl. 

I am going to say it again -- - The Credit Reporting System needs a Total Revitalization to be Viable in the changing financial environment! 

I am document the nonsense that has occurred since I starting investigating my credit report. In addition, due to the incorrect information the bureaus reported, creditors unfairly reduced my credit lines without justification. What's fair about that? 

I just want to live my life without feeling like I am being XXXX! That's how it feels. 

I wonder how many consumers there are that can not be as persistent at me. 

Do they ever answer the consumer 's questions. Resilient Score- Really. 

My Credit Report should REFLECT : Good Credit Risk Pays On Time Pays Most Long term bills Ahead of Maturity Dates Had financial challenges Overcame them Resilient Networth Vastly Exceeds Debts NEXT?
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Greetings. I am submitting this complaint as a follow-up to my recent grievance, conveying my urgency earnestly. I am certain that none of these inquiries were authorized by me, and the associated addresses do not belong to me. For your convenience, I have itemized the details below and reattached my FTC report with the reference number # XXXX : -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Okay I was banking with Wells Fargo I was getting like overdraft fees they will charging me interest even when I have money in the bank go overdraw money out of bank even when I receive XXXX like the fees were ridiculous and if I have money there I shouldn't be getting overdraft fees and it's just it was just crazy I asked them about it and they told me that was the policy about the fees and all the other stuff
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX {$2200.00} for a credit card I never received due to XXXX XXXX XXXX stealing all my USPS mail . 
She stated she charged {$5000.00} and XXXX credited {$2500.00} back per Fraud department. ( XXXX ) I reported this identity theft in XXXX to FDIC, local white XXXX XXXX police XXXX XXXX XXXX # XXXX who has body cam footage of XXXX XXXX XXXX stealing my card at XXXX XXXX XXXX, XXXX, Nj XXXX. 

On camera XXXX XXXX XXXX used it inside XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX Store # XXXX XXXX XXXX, Store Manager XXXX I went into the store and spoken to security who stated in front of XXXX XXXX police XXXX XXXX XXXX XXXX on body cam she used my credit card on camera XXXX XXXX XXXX. ( XXXX ) XXXX I called XXXX, to XXXX XXXX XXXX. 

I had the FRAUD dept investigate this in XXXX, it was charged off XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Concerns Regarding My Recent Experience with American Car Center and Westlake Portfolio Dear Sir/Madam, I hope this message finds you well. Approximately two years ago, I made the decision to purchase a vehicle from American Car Center, and throughout this period, I have diligently upheld my financial commitments, ensuring that all payments were made promptly and taking great care of the vehicle in question. 

However, in XX/XX/2023, I was taken aback by the sudden and unanticipated news that American Car Center had filed for bankruptcy. In my earnest efforts to seek clarification and resolve this matter, I attempted to establish contact with the company, only to discover that their phone lines and email channels had become non-operational, presumably due to the closure of their business. 

It was only through a chance encounter on XXXX that I learned of the acquisition of outstanding debts by Westlake Portfolio. Determined to address this issue responsibly, I promptly reached out to Westlake Portfolio to ascertain the status of my account. Regrettably, my initial correspondence yielded no results, as they were unable to locate my information in their records. 

Subsequently, I began receiving calls from Westlake Portfolio asserting that I owed them the original purchase price, an amount exceeding {$25000.00}. In light of this unexpected demand, I took it upon myself to request a copy of my contractual agreement as a means of verifying the validity of this claim. I believe it is only fair and reasonable to request such documentation, particularly considering that I never entered into any contractual agreement with Westlake Portfolio.

To my dismay, Westlake Portfolio failed to fulfill my request for a copy of the contract. Instead, I was shocked to discover that they had initiated the repossession of the vehicle in question. This action is both perplexing and unjustifiable, as I maintain that I do not owe any debt to Westlake Portfolio. 

In light of these circumstances, I feel compelled to express my deep concern and dissatisfaction regarding the handling of my account and the absence of transparency throughout this process. It is my sincere hope that this matter can be resolved promptly and fairly, with the provision of the necessary documentation to validate any claims against me. 

I kindly request that you address this matter with the utmost urgency, as the actions taken by Westlake Portfolio have caused me undue distress and inconvenience. I believe in the importance of a fair and just resolution to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

Recently, I was informed that my personal information may have been exposed due to a data breach involving XXXX. I became aware of this exposure through receiving a notification from the company, and discovering unauthorized activity on my credit report.
Product: Credit card or prepaid card

American Express did not provided a fair investigation for my {$100.00} dispute on an order I did not received. I had provided photo of my front door via XXXX XXXX when the merchant 's proof shown a front door of someone else 's home. Clearly the investigator failed to validate the front door of my home against the picture that was provided by the merchant. I will be attaching a PDF of XXXX proof of delivery that shows someone else 's front door, photo of my home front door via XXXX XXXX, a receipt of my order from the merchant, and dispute screen. Prior to opening the dispute with Amex, I had made several attempts to explain to the merchant that I did not received my order and the XXXX 's proof shows it is someone else 's front door.
Product: Credit card or prepaid card

Am Having a Problem with the XXXXXXXX XXXX XXXX  Credit Card I Open this Account in XXXX and bought a Coutch Sofa and i always been making my annual payment on time and they are charging XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$440.00} And my Total Due Ballance Increase {$1300.00} due because of this interest Charge. and i call wells Fargo customer service XX/XX/XXXX and they refused to credit my account {$440.00} interest and this is terrible i am very frustrated that i have to paid more money for a Funiture i bought with this credit card is terrible and they also been charging me late payment fees and i always make my payment on time please help me with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a XXXX from XXXX XXXX. The amount is incorrect on the credit report. The amount on the report is larger than what's on the XXXX, making me look as though I owe more. At this time, this is considered income because I have to pay taxes on the XXXX. I demand that the account be deleted because it is now income and not credit.
Product: Student loan

I am writing to formally address a serious breach of my personal and financial information, which occurred without my authorization. As you are aware, the Family Educational Rights and Privacy Act ( FERPA ) mandates the protection and confidentiality of student records. This breach constitutes a clear violation of FERPA and your obligation to safeguard my sensitive information. 

Given the severity of this breach and the compromise of my personal and financial data, I respectfully request the immediate cancellation and discharge of my student loan debt in full. I urge you to take swift action to rectify this matter and to provide written confirmation of the steps being taken to address this violation. 

Please acknowledge receipt of this request at your earliest convenience. I appreciate your prompt attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, spam from agent purporting to represent Equifax, consequently no purpose in contacting Equifax. From Company that solicited me to check my score for free : When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from XXXX, XXXX and Equifax Reports in one easy to read report go Right Here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Unsubscribe me from this mailing list Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, TX XXXX This is an email advertisement. To unsubscribe from our sponsor : click here.
Product: Bank account or service

I was selling a futon online and the buyer gave me a check for the payment and stated that I should deposit it soon as they would arrange to have it picked up. After about five days elapsed, they stated that they would not be needing the futon and asked that I return the money to them. Not trying to be held accountable for their money, I wired it back to them as per their request. Almost a month later, Chase Bank tells me the check was returned for fraudulence so I was out that amount of money. This put my checking account in the negative. As I was moving, I had no spare money to cover the difference and when I called to comment that there should be something they 're able to do, they said there was not and I 'd have to pay them back. I filed a federal report about the fraud online but this affected nothing since I authorized the check 's deposit. After a month, they said they 'd report me to Early Warning Service despite my story. I have never had any issues with my accounts before nor have I ever committed fraud and I ca n't seem to understand why there is nothing I can do but report the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this.

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I noticed some billing errors on my credit report showing late payments, which dont reflect my regular payment behavior. Please update and correct these mistakes. Thank you!
Product: Mortgage

The second mortgage with Bank of America was paid in full in XXXX of XXXX. B of A acknowledges it is paid off. I discovered in XXXX that B of A had never filed the reconveyance to release the lein. 
XX/XX/XXXX spoke with B of A and was told it would be 7-10 business days to fix and they gave me a lein release reference number of XXXX XX/XX/XXXX Spoke with B of A again and they said they had sent the release to the county for recording and it would be recorded by XX/XX/XXXX XX/XX/XXXX Called B of A for a third time after finding out from XXXX County that they had recieved nothing on this loan. B of A now says it will take up to another YEAR before they have it released as they dont have their correct paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company 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
Product: Credit reporting or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit 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 I demand the deletion of these inquiries from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter
Product: Credit card or prepaid card

XXXX sent me a " pre-approved '' letter asking me to apply. I currently have a credit card and am in the process of buying a house so normally I throw away all credit offers I recieve. I thought the terms on this particular offer sounded beneficial, so I accepted. Just to be denied. Now I'll have an inquiry that will have a negative impact on me. I feel this is misleading. When I called to discuss this practice I encountered a woman who only read the same letter I already recieved and read myself. I understand they want new business but to the extent of taking advantage of consumers should not be tolerated nor allowed. I doubt I'll find resolution however there should be protection from companies fishing in manners like this.
Product: Debt collection

On XX/XX/year>, I called Pro Collect about a debt that is owed in the amount of {$150.00}. I was told that no one there can help me and that I had to send an email to XXXX XXXX at XXXX. I was also told I needed to include my SSN in this email, which I WILL NOT. I sent the email with my account number that was given to me by the rep over the phone. Today is XX/XX/year> and there has not been XXXX response from " XXXX XXXX ''. I called Pro Collect again today and was told the same thing that only " XXXX XXXX '' can assist with my account and that I should email him again. This seems to be a stall tactic because why is there no way to pay this debt without me emailing people and wanting me to include my personal information in the email? Since I TRIED to pay this debt but given the run around, I demand this account be removed from all XXXX of my credit bureaus.