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

Consumer Name XXXX XXXX credit XXXX XXXX XXXX XXXX Balance XXXX Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Balance XXXX Consumer name XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Balance XXXX consumer name XXXXXXXX XXXX XXXX  ssn XXXX XXXX XX/XX/year> balance XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I signed an auto lease with US Bank in XX/XX/XXXX. The lease term was for 36 months and ended at the end of XX/XX/XXXX. I returned the vehicle to the dealership where the vehicle was originally leased [ within the 10-day grace period ] on XX/XX/XXXX. 

The car was deemed a " lemon '' by XXXX XXXX ( manufacturer ) and the company agreed to repurchase the vehicle and payoff the amount owed to US Bank. The repurchase process began in XX/XX/XXXX and was resolved in XX/XX/XXXX. 

XXXX XXXX as well as myself were in constant contact with US Bank throughout the repurchase process ( correspondence attached ). US Bank informed me that I would not be responsible for any late payments or negative credit reporting throughout this process. In fact, US Bank credited late payment charges back to my account. 

I tried unsuccessfully for more than 8 months to have the negative reporting removed from my credit accounts to no avail. I disputed the late payment reporting with US Bank as well as all three credit bureaus. I have received letters from the car dealership confirming their receipt of the vehicle in an effort to resolve this issue. I was charged late fees by US Bank for a period [ XX/XX/XXXX - XX/XX/XXXX ] when I wasn't in possession of the vehicle.
Product: Money transfer, virtual currency, or money service

I was scammed in two separate occasions through Zelle. At the time I was looking to consolidate my student loans and the scammers posed as XXXX department of Education employees. I was told to make 2 separate payments of {$1000.00} each. When I realized I was being scammed I reached to my bank and to Zelle and was informed there was nothing they could do about it. The money was untraceable. Zelles inability to protect the consumer has led to this scammers to keep exploiting the system
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I received a notice from XXXX XXXX alerting me to the fact that some tried to open an Ally Everyday Cashback Mastercard. It was denied. 

I then spent multiple days going back and forth between Ally and XXXX to determine how to get this inquiry off my account. XXXX was saying that Ally needs to electronically request for it be removed while Ally told me they couldnt find an application with my name or social. 

XX/XX/XXXX, I mailed a detailed report to XXXX and filed a report with the CFPB. 

XX/XX/XXXX, I received notice from CFPB that Ally was looking into it. 

XX/XX/XXXX, I received an email from CFPB saying that Ally agreed that the hard inquiry was fraudulent and that they requested to have it removed. 

Fast forward to today, XX/XX/XXXX, and it is still showing on my account. Again, XXXX said deposits having received my report Ally didnt not request to have it removed and that Ally would need to for them remove it from my report. 

I spoke with Ally who again told me they could not retrieve the application. 

I am just trying to get this fraudulent inquiry off my account without all the back and forth. 

The original case id is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act when i notice incorrect information on my credit i have the right to dispute. I have disputed multiple accounts on my credit report and they keep saying the accuracy is correct. I have no knowledge of these accounts and did not sign or have any loan or credit with these companies. 
( 1 ) XXXX XXXX-opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 2 ) XXXX XXXX XXXX opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 3 ) XXXX XXXX XXXX XXXX opened XX/XX/XXXX. I have no knowledge if this account this was not me. 
( 4 ) XXXX XXXX XXXX opened XX/XX/XXXX. I have no knowledge of this account this was not me. 
( 5 ) XXXX XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 6 ) XXXX XXXX XXXX opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 7 ) XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account this was not me. 
( 8 ) hard inquirys from XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are many others that i have listed in the attatched images/files below. The only inquiry that i have knowledge about is home choice i have a refinaced loan through them im still paying payments on. The reat of the account and the inquiries i have listed and attatched to this complaint i have no knowledge of and i am claiming identity theft/fraud. I hope that you are able to get these items removed off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was put at risk due to negligence in digital security.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a Certified letter to XXXX XXXX n regards to two negative inserts that was on my Credit Report. They were both for the same company but one was from the Credit card and the other one was from a collection agency ( XXXX XXXX XXXX ) both for XXXX XXXX XXXX. 
I asked to please Validate the accounts and to provide me with copies of any documentation associated with this accounts bearing my signature. 
On XX/XX/XXXX I received a Credit Report from XXXX XXXX dated XX/XX/XXXX stating that the account was verified and updated. Not receiving any proof that this account bared my signature. By that time it had been 30 days before i rec '' d any response so on XX/XX/XXXX I sent in a .SECOND WRITTEN REQUEST. stating that the unverified items listed below remain on my credit report. 
On XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX that the account in question was Verified and updated, yet no proof was submitted bearing my signature. 
On XX/XX/XXXX I submitted my 3RD request stating that this was my final communication in regards to the inaccurate entry and yet no evidence to support their reporting was ever provided to me. 
On XX/XX/XXXX I received a letter XXXX XXXX dated XX/XX/XXXX stating that the investigation results were verified and updated. I feel i have been treated unfair from the Credit Bureau and they have not complied with my request for verification and they have also Violated the Fair Credit Reporting Act.
Product: Mortgage

On XX/XX/XXXX I was preapproved on an FHA loan thru Nations Lending with XXXX XXXX with that info I found a property in XXXX and seller accepted the offer on XX/XX/XXXX. Along the loan process Nations Lending was very very difficult to ever contact for required info/missing info or any guidance. The seller an I agreed to close on this property XX/XX/XXXX which gave each party involved more than enough time to close and have everything ready. Along the process of closing the mortgage everyone at Nations Lending became almost impossible to get in contact with. Even after multiple calls emails and text messages from the listing agent, my lawyer and more they were non responsive for majority of the loan process. Along this process they also ran my credit as a hard inquiry 3 times, twice which they did not even ask permission for. The seller finally on XX/XX/XXXX sent a Time of the Essence letter to my lawyer and to Nations Lending. Although this letter was ignored and since then lead me to lose the property. I have spent a total of {$2100.00} for this property and to lose it due to negligence from " my lenders '' is absolutely upsetting. I am unable to upload documents due to a website error or glitch but have documents available to fax/email once contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate the account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance Owed : {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information is incorrect, I have never used the names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ; for purchase or to obtain credit. 
I have disputed these names with Equifax years ago and was informed that someone fraudulent used bogus names to establish credit ; and that names will be removed. Apparently, matter hasn't been resolved. Please remove from my report.
Product: Credit reporting or other personal consumer reports

I am requesting that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, XXXX.
Product: Checking or savings account

XXXX XXXX  my account was negative XXXX on XXXX XXXX my account was again added negative XXXX. Friday and Monday respectively. XXXX XXXX a banker told me to pay the balance of these two transactions and my account will be updated by XXXX  on XXXXXXXX XXXX XXXX. And also on Monday XX/XX/ I opted out of the overdraft protection. So then they still charged me the XXXX overdraft fee the same day and they again charged me another overdraft fee for the XXXX
Product: Credit reporting or other personal consumer reports

I received a debt collection notification letter dated on XX/XX/year> from XXXX XXXX XXXX XXXX XXXX for a XXXX  account originated with XXXX. It states that my XXXX account was now owned by XXXX XXXX XXXX XXXX, XXXX and the total amount of the debt amount was {$1300.00}. Following the notification, my XXXX account was settled with the collection agency. This settlement was completed on XX/XX/year>, and the balance was resolved in full. I received two emails from the collection agency : Agreement to Resolve Your Account letter issued on XXXX XXXX and Account Resolution Confirmation letter issued on XX/XX/year>. However, to this date, almost a year after it was settled and resolved, the balance is shown in my records as owed. The collection agency has failed to update my records in the credit reporting bureaus. I have made multiple phone calls to both the collection agency and original lender. Multiple times, they opened tickets to investigate the matter, but have never reached out to me with updates or results. I sent a letter requesting the collection agency to update my records. I request the Consumer Financial Protection Bureau to enforce compliance on the collection agency 1 ) to update my records accordingly and immediately.

2 ) to cease any further collection activities regarding this account 3 ) and ensure that no negative marks related to this resolved debt appear on my credit report.

Thank you
Product: Debt collection

A medical collection agency is reporting a bill on my credit report which is against the law. My employer has paid the debt and nothing should be paid and this account should be removed off my report by law.
Product: Credit card

On XX/XX/XXXX, I submitted a dispute to Marcus MyGM Rewards Card about a transaction I made with a merchant who sent me counterfeit goods. I submitted all of the requested documentation and they failed to properly investigate the claim, denying it because there is no evidence to substantiate the claim. This transaction I made with this merchant was split over multiple credit cards, all of whom resolved the dispute correctly in my favor after reviewing the evidence. 

This is Marcuss investigation team not doing their due diligence and actually reviewing the documentation sent.
Product: Mortgage

Spoke to XXXX XXXX XXXX XXXX XXXX  loss mitigation he said they have received the XXXX trial payment. Payment was put in a suspense account, because corporate missed signing all the final modification documents. My payment has not been applied to my mortgage. The signed final contract was received on XX/XX/. The loan has to be reset with the changes that were to be made. Spoke with Loss Mitigation supervisor XXXX because I received foreclosure letter from foreclosure attorney asked why my house in foreclosure I have made payment and sent final documents back. Flagstar supervisor said flagstar back end did not process final document correctly.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ipromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX after depositing some money into my account. Chime froze my account. And to this day theyve been giving me nightmares. They keep asking for the same documents over & over. And upon sending everything they asking for. They cant verify my information! Theyre holding my funds with no explanation!
Product: Credit reporting or other personal consumer reports

I have contact Transunion on several occasions via dispute. There is a XXXX XXXX account reflecting my TransUnion consumer report, which I have told TransUnion that this items does not belong to me and requested that this items be removed and block per FCRA section 605B. As of today they have failed to do so. I have also attached a copy of my identity theft report # XXXX and police report # XXXX.
Product: Credit reporting

Experian Credit Reporting Company allowed : 1. Allowed XXXX XXXX XXXX to grant credit against my SSN. ( " hard '' inquiry, made to my credit history using my SSN, with " Fraud Alert '' in effect since XX/XX/2010 ) 2. XXXX XXXX, allowed an individual, to open an cell account of {$1800.00}. This person ( XXXX XXXX, of XXXX, Illinois ) has not paid this bill and XXXX sent this bill for collection. ( XXXX XXXX, XXXX, Illinois ) Under my SSN, this account was never opened by me. 3. Experian Credit Reporting Company kept XXXX ( XXXX ) credit histories, for me under XXXX SSN 's whiched caused my credit ratings to fall XXXX ; XXXX-XXXX points.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion block fraudulent information on my credit report within 4 business days of receiving this complaint. The fraudulent items include XXXX XXXX XXXX XXXX XXXX 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. Additionally, there are fraudulent hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts and inquiries were not authorized by me and are the result of identity theft and fraud. I have attached my FTC Identity Theft Report ( # XXXX ) as proof that all the aforementioned accounts, collections, and inquiries are fraudulent. I request these items be blocked from my credit report as per my rights under FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The companies " XXXX XXXX '' and " Credit Protection Association LP '' damaged my credit with fraudulent information for the amount of {$1600.00}. I requested on XX/XX/XXXX via fax to both companies to stop reporting fraudulent information, investigate this matter and remove fraudulent information from the CRAs. 

As of today, no answer has been received and my credit is still severely damaged. Before this incident, my credit score was XXXX.
Product: Vehicle loan or lease

A new lease was established with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. The sales associate took credit information, wrote up the agreement, and I paid the first months payment. It was assumed at this point credit was run and approved at the amount equal to the first months payment. Final the transaction is passed along to the business manager for final signing and paperwork. The business manager informs we credit came back at tier two, result in a {$13.00} per month additional cost as a result of this credit. No info was provided by said associate nor further explanation by said business manager regarding tiers. Since first month was paid and increase was reasonable, transaction proceeded. All paperwork was signed and i was provided a folder of documentation that seemed sufficiently thick. In a rush to leave, I was not able to look completely through the paperwork. Upon taking more time later to review, a copy of the credit report upon which this credit decision was made, was not provided. Immediate contact was made to the dealership on XX/XX/2020 via phone and email to the sales associate and I believe sales director. Multiple calls went un-responded, as well as many emails. The sales level and management at this dealership are extremely difficult to deal with and were unwilling to make arrangements to provide this information, as legally required.
Product: Money transfer, virtual currency, or money service

Abra refuses to return my XXXX I held in an Abra wallet. In XXXX, I deposited {$3000.00} USD and held $ XXXX and $ XXXX in their wallet since then. They recently locked me out of my wallet and claim that I did not transfer my funds out before XX/XX/XXXX and therefore the funds are " considered lost ''. The value of that $ XXXX is anywhere from $ XXXX $ XXXX currently. I am attaching the initial transaction report ( and deposits ), but do not have more recent activity since they've locked me out of my account. 

Also attaching my correspondence with them via email.
Product: Mortgage

In XXXX of XXXX we entered into a home equity sharing agreement with a company called Unison. Unison 's business model is to provide a loan in exchange for a percentage of the home 's equity. In the disclosure information Unison makes little mention of there being any potential issues with refinancing your property once you have entered into an agreement with them. 

In XXXX of XXXX we secured a refinance loan of our ARM with XXXX XXXX. Our loan was set to adjust in XXXX and interest rates were just beginning to creep up. So we secured and were approved for a refinance at a fixed rate of 3.25 %. 

At the final stage of the new loan being recored we were informed by XXXX XXXX that they could not process our new loan because of our relationship with Unison. We have subsequently learned that very few lenders will refinance a property if the homeowner has taken an equity share loan with Unison. This includes all major lenders ( such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc... ) and any bank affiliated with XXXX XXXX and XXXX XXXX. 

In response to our loan being rejected, Unison provided a list of their " approved lenders. '' Upon contacting the top three lenders on their list, all three flatly denied that they would lend to a property that has Unison on title. A Unison representative then setup a meeting with a lender he claimed loaned to Unison homeowners in the past. Not only did this lender state that they never lent to a Unison property in the past, they said they never would in the future, either.

Unison is aware that they misrepresent and downplay the very real fact that the vast majority of lenders will not work with homeowner that have taken an equity sharing loan with Unison. Unison employees have blatantly stated that the company should do a better job of being transparent and honest with potential customers about this fact, and that their contracts distort the truth. 

Unison 's legal department is aware of the problem and XXXX XXXX XXXX, Unison Corporate Counsel, has yet to remedy the situation. Unison 's CEO, XXXX XXXX XXXX, is also aware of the issue and has acknowledge knowing about this lack of truth in lending in both the marketing and promotional materials the company distributes, and it their contracts. Thus far XXXX XXXX has taken no corrective action.