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

AFFIDAVIT OF TRUTH AND FACTS I diplomat ; XXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by Equifax if inaccurate and false. I have mailed a copy of the requested information thereto Equifax Inc. and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX  XXXX  XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX XXXX that is an LLC Estate Trust and im the beneficiary of said irrevocable trust. XXXX ; XXXX XXXX XXXX XXXX. I am not involved in any student loan payments have never made any payments thereto the alleged information being reported by Equifax Inc, .. claiming I am making payments or paid as agreed. This information thereto such or said student loans and or multiple student loans claiming pay as agreed using addresses that are not on my personal and private identity cards statements and documents. Equifax is the only consumer reporting agency reporting inaccurate information as to my credit consumer reports and are 100 % inaccurate. 

I do not have any Also Known as Names this is being reported presumptuously by a law firm located near Equifax Inc, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as Equifax Inc, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. 

My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a XXXX  XXXX XXXX I am not a XXXX XXXX  XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my indigenous heritage as an XXXX XXXX XXXX XXXX and nothing more nor less. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are not allowed to share my private information with anyone especially those involved in legal matters without my consent or knowledge as well you are not to speak nor share my private information addresses and location as well credit numbers without my consent.
Product: Vehicle loan or lease

U.S auto sales sold me a car XXXX of XXXX. Ive been paying every 2 weeks and never missed a payment. Ive put in over {$14000.00} into payments for the XXXX XXXX XXXX. West Lake says I owe XXXX more for the car. My XXXX  tags lien holder is us auto sales. It is not west lake. They do not have rights to the car. Even if I pay the car off I wouldnt be able to get the title. if US auto sales filed bankruptcy I havent received the titular or anything for the car. West lake is a debt collector and Ive given them {$600.00} after I found out that my XXXX lien holder is still US auto sales. Someone needs to give me a title or give me my money back. The car was {$18000.00} how do I still owe XXXX more payments out of XXXX its a mess and I need help with this matter. The car is breaking down and I paid for an extended warranty. No one can help me with this. I tried to trade the car in and no one wants to take it.
Product: Credit reporting

I have written the credit reporting agenecies XXXX and Equifax numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX Equifax, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against Equifax in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me XXXX of dollars from getting loans ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent my FTC Identity Theft Report to Equifax on XX/XX/2018 to block a fraudulent account reporting on my credit file. Equifax outright refused to block the fraudulent account stating that their company policy is to violate US Federal Law by opening an investigation instead of blocking within 4 business days as required, and I have requested the help of the CFPB to make sure Equifax complies with US Federal Law ... the FCRA statute is very clear as to what Equifax must do to comply. IF I HAVE AN FTC IDENTITY THEFT REPORT, EQUIFAX MUST HONOR MY REQUEST TO BLOCK THIS INFORMATION. I have enclosed my FTC Identity Theft Report, driver license, social security card, proof of residency, and FCRA 605B. I also attach a copy of my Equifax  credit report highlighting the fraudulent account that is the result of identity theft and does not relate to any activity I engaged in or authorized or benefited!
Product: Mortgage

Freedom Mortgage Corp. Is showing delinquent on all 3 Credit Bureau when this mortgage was on short sale and paid in full by other bankers. It should show current on my Credit Bureau.
Product: Credit card

I can not get a paperless copy by pdf of my monthly statements easily. This is my second complaint. I just want it fixed. 
I travel XXXX XXXX XXXX so I hope to keep a business card with them, but CitiBank is inept.
Product: Credit card

After I had paid the {$75.00} annual fee for my XXXX visa card ( issued by US Bank ), the benefits of the credit card were changed and severely devalued. XXXX of the key benefits of the card that convinced me to pay the annual fee was the fact that I would get XXXX free night at a XXXX hotel whenever I redeemed points for an award stay. However XXXX/US Bank abruptly ended this benefit and changed the terms of the halfway through my XXXX year of having the card without providing any compensation. If I had known that I would n't be receiving this benefit for the full year, I would not have applied for this card or paid the annual fee. When I contacted US Bank they falsely stated that customers had been informed of this impending change before the annual fee was charged ( we were not - customers were only notified in XXXX, after my annual fee was paid ), and they refused to refund the annual fee or reinstate the benefit. They offered only a very small compensation in the form of points, an offer that did not nearly compensate for the lost value of the benefit or the annual fee.
Product: Debt collection

On XX/XX/year>, I received a pop-up text message from XXXX XXXX  that my accounts were overdrawn. I contacted XXXX XXXX  at their XXXX number and spoke to a XXXX XXXX  Representative that stated there was a legal hold placed on my account and my funds were locked. 

The XXXX XXXX  Representative transferred my call to another employee at XXXX XXXX  XXXX XXXX and XXXX XXXX. I then spoke to the Representative in XXXX XXXX  XXXX XXXX XXXX XXXX  that informed me that he have information to place a legal hold on all my accounts, ( these also include XXXX of my XXXX XXXX accounts ). He also stated that XXXX XXXX  does not have any legal documents and to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX for the documents. 

I then contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX sent me these documents via email : Default Judgement, Order Appointing Receiver, and a Letter from XXXX XXXX XXXX. Prior to this I did not receive Default Judgement, Order to Appear in court or any type of legal document. 

I was never served for a default judgment for a Citi XXXX XXXX XXXX. 

This legal hold was placed illegally without service and notice to me. To date the funds in my XXXX XXXX  account are still locked and I do not have access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Plus in on my XXXX  Credit Report 4 times and I did not apply for a Mortgage. I own a home already and did not speak to anyone about buying a home
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I applied for a loan for {$6000.00} with Transform Credit Inc . I was told I was denied the loan so i responded to the denial asking them to retract my application. The company stated that the application was canceled, which I am aware can not happen after they placed a signature on the Note. After i informed them that I wanted my application back, they continued to state that the application was canceled and there was no signature so it wasnt anything they could do other than cancel the application. I informed them that they were committing securities fraud and are obligated to disburse funds due to the signature being on the Note and having access to my securities. They have yet to disburse funds and have not responded to my last email. Im not sure whether or not they are aware that they have sent me a copy of the promissory note and it clearly states " signature of borrower '' with my name beside it. They have not sent any funds to my account as they were supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance is reporting an unauthorized credit inquiry on my XXXX Credit file dated XX/XX/XXXX. I reached out to the company via email to dispute and received an email from them stating the following : Customer Service XX/XX/XXXX, XXXX XXXX  ( 1 hour ago ) to me Thank you for contacting Exeter Finance LLC. 

The contents of your message and/or documents ( s ) have been received. To safeguard your personal information, we will not be able to reply to your questions or concerns, using this email address. 

For further assistance please visit us at : https : XXXX XXXX is a secure online portal that gives you 24/7 access to your Exeter account. Using a computer, tablet or mobile device, you can login anytime and make payments, set up email, securely email Customer Service, and more. 

Dont have a login? Register today. 
Through My Message Center, you will be able to send us a secure message with your questions and we will respond within 48 business hours. This feature offers the most secure channel for communication between you and Exeter Finance Corp . 

Or you can reach us by telephone at XXXX XXXX XXXX XXXX. Representatives are available Monday Thursday from 7 a.m. to 8 p.m., Friday from 7 a.m. to 7 p.m. and Saturday from 8 a.m. to 1 p.m. Central Time. 

We look forward to hearing from you! 

Sincerely, Customer Service Exeter Finance LLC. 
I don't have an account with these people and didn't authorize them to run my credit
Product: Debt collection

Sent me a letter ( attached ) stating they will removed from credit, reports, still on my credit reports.This is not me, request validation this company could not provide
Product: Debt collection

Dear XXXX, Acc # XXXX We are writing this letter to report XXXX. On XX/XX/XXXX, XXXX cancelled his account with XXXX to start with a different carrier. The XXXX plan was a family plan that included XXXX family member XXXX XXXX contacted XXXX to take over the plan from XXXX, this was to retain her phone numbers and any cell devices. XX/XX/XXXX, XXXX and XXXX contacted XXXX to ensure all changes were final and nothing else was required. XXXX confirmed all changes were made and all amounts have been paid. 

Late XXXX, XXXX received a debt collection notice from Convergent claiming an unpaid debt of {$570.00}. We have contacted XXXX and they have confirmed the debt is for an I-Phone XXXX that was purchased by XXXX. XXXX have stated despite confirming changes they made a " mistake '' and did not change payments over to XXXX XXXX account. 

This debt is damaging to my credit score ( XXXX XXXX ) and XXXX have declined to remove from collections and correct their mistake. 


Any help with this matter would be great.
Product: Credit reporting or other personal consumer reports

I am grateful for your work in correcting my credit information by removing some of the erroneous entries. However, there are still some items that need to be addressed and removed. This is my new attempt to dispute the items in my credit file which resulted from the erroneous credit information. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from the incorrect credit report details, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; Medical Collection XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2022. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from the erroneous credit information. I do not consent to E-OSCAR or any means of automated verification.
Product: Money transfer, virtual currency, or money service

I am expressing my issues concerning Zelle. This would be in regards to handling disputes, specifically in regards to the recent CFPB lawsuit which includes issues with the transferring of money. Despite using Zelle many of times, and reporting these issues, my financial institution and Zelle havent adequately compensated me. They ensured me rather, that they would not be able to recover lost funds, and that tracking them is something they can not do. But according to the CFBP, Zelle has not only been doing right by their customers but, also allowed people to exploit their system numerous of times, affecting myself and daily consumers of Zelle. And myself and those people have been scammed.
Product: Mortgage

I contacted Quicken Loans on Friday XXXX/XXXX/16 and spoke with XXXX to discuss refinancing my FHA mortgage. I informed XXXX of my estimated credit score, how much the original loan was for, and how much the remaining balance was, as I wanted his honest opinion on whether or not he could help BEFORE he pulled my credit. I told him that other lenders have told me that attempting to refinance after only 6 months would not be possible. XXXX immediately informed me that Quicken loans had very aggressive products and could do things a traditional lender could n't do. He stated that he felt sure he could save me hundreds of dollars on my monthly payment and that my current lender would most likely not want to refinance my loan as they were earning money from the interest. I asked XXXX if he felt that Quicken loans could save me a substantial amount of money every month to which he replied " absolutely. '' Feeling encouraged, I gave him my social security number and authorized a credit pull. He told me he would " run the numbers '' and get back to me. I spoke with XXXX again on Monday XXXX/XXXX/16 but his tone was considerably different. He informed me that my debt to income ratio was too high and that it would be difficult to do anything for me. He ultimately stated he could refinance my loan saving me a whopping {$40.00} per month but I would have to front almost {$3000.00} in closing costs ( at that rate, it would take my 6 years just to break even again from the out of pocket costs ). I asked him " is this the type of aggressive products Quicken Loans offers? This is XXXX! '' I contacted a supervisor on XXXX/XXXX/16 to discuss and spoke with XXXX XXXX. I told her about the situation and asked her to remove the credit pull from my history as I felt XXXX performed a traditional bait and switch and falsely advertised what Quicken Loans could do for me. She stated she would look in to it. XXXX then called me back on XXXX/XXXX/16 and informed me that there was nothing she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXXXXXX XXXX  debt from XXXX is past statute of limitations. I keep applying for apartments but I am told I have an eviction record on my consumer report from XXXX in XXXX when I never got evicted or served. I left to go abroad due to a family emergency and did not pay last month rent. I am willing to settle my debt but this eviction record has to go as it placed me in a situation of dependence on my XXXX for housing since no apartment will allow me to rent with them. He is doing XXXX XXXXXXXX on us and XXXX XXXX and I have to stay at hotels due to a XXXX XXXX This is due to this eviction record but I never was told about it. I lost XXXX XXXX XXXX applying for apartments until someone told me it was due to this eviction record. How do I get this inaccurate eviction record off my report when trying to rent? Thanks in advance.
Product: Mortgage

Hello, I have an active complaint, XXXX XXXX. The mortgage company sold my property after erroneously stating that it was in litigation. This is in violation of the law. I need assistance to go after PHH Mortgage Company for conducting mortgage fraud.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered multiple instances of fraudulent entries that I did not authorize or consent to. These discrepancies are detrimental to my financial well-being and may impact my ability to secure credit in the future.

I am hereby invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that TransUnion conduct a thorough investigation into these fraudulent activities. I request that any unauthorized information be promptly removed or corrected in accordance with the FCRA. 

I expect TransUnion, XXXX, XXXX to comply with the statutory requirements outlined in the 15 U.S. Code 1601 and to resolve this matter within the timeframe stipulated by law.
Product: Credit reporting or other personal consumer reports

This Credit Card Company name Discover Card Service continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for Discover Card Service XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with XXXX Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

Discover Card Service and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, Discover Card XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

Discover has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's System. 

They are in clear violation of the Federal Debt Collection Act under section See 28 U.S. Code Chapter 176, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
Product: Credit card

My Apple Master Card account was closed by Goldman Sachs without prior notification and about 15 min before my appointment to get a new laptop. The specialist I spoke with to appeal or reverse this decision was deceptive and indicated I received several notices of account closure. I confirmed my address and I was notified it was sent by email. The only emails received were account statements which I can not access due to account closure. My statements were emailed on the XXXX of each month. This is unfair to me as I can no longer see my account details as the only way to access this information was through my Apple Wallet. 

This matter was escalated to a manager who knew my request and desired outcome yet he strung me along for close to an hour. I specifically asked and the manageXXXX confirmed he was aware even though he wouldnt do anything.