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

hello my name is XXXX XXXX. i am writing you to delete the following information in my file. These inquiries should not be furnished on my consumer report as they are a violation under 15 U.S.Code 1681b. I did not give permission nor written consent to any consumer reporting agency to report anything on my consumer report which violates my rights as a federal protected consumer. no consent is theft. The items I need deleted are listed below in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. Inquiry Name : XXXX XXXX XXXX Inquiry date : XXXX Inquiry Name : XXXX XXXX Inquiry date : XXXX
Product: Mortgage

JP Morgan Chase Bank modified a mortgage loan, of which I am listed as a borrower, without my knowledge, signature or consent. The original loan was back in XX/XX/XXXX in which my husband ( at the time ) and I purchased a home. We divorced in XX/XX/XXXX and my husband accepted all liability for the home and was given a quit claim deed only to be used for the purpose of removing my name from loan ( the conditions of the use of the quit claim deed are clearly spelled out in our property settlement agreement, which is a part of our divorce decree ). Instead, in XX/XX/XXXX he modified the mortgage with Chase which changed the terms of the original loan, adding over {$130000.00} to the principal of the loan balance and turning it into a 40 year loan which began in XX/XX/XXXX. I have just become aware of this and do n't understand how Chase can keep me on the loan as a borrower with new terms I never agreed to, that they never informed me or even required my signature.
Product: Credit card or prepaid card

I try to open a credit card with Capitol one but they deny it because someone open a account under my name
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proper legal documentation from XXXX XXXX XXXX  XXXX XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card

On XX/XX/year>, I made a large payment to pay off the statement balance of my account. This payment was made XXXX days before the payment due date. On XX/XX/year>, the payment cleared my checking account ; however, my credit card account did not reflect the change in my available credit limit. I called the company and was told the billing cycle has to end before the balance is cleared for use. I asked where in the credit card agreement does it say that and was told it doesnt. I asked to speak to a supervisor and was hung up on. I called back and the agent told me the credit line would be available in XXXX to XXXX more days. I hung up and tried to use the card on Thursday, XX/XX/XXXX. It was declined again. I then tried to use the card on XX/XX/XXXX and it was approved but my credit limit was still only a third of my line of credit, {$3100.00}, when it should have been all but about {$250.00} available to use on the card. I called back today, XX/XX/XXXX, was told I had to wait until XX/XX/XXXX for my billing cycle to end before all funds would be available to use. I asked again to speak to a supervisor and was hung up on again.
Product: Debt collection

On XX/XX/year> my car was broken into and my wallet was stolen which had my credit cards, debit card, cash, driver license, and social security card. The person was able to use my credit cards. I called my bank and credit company to dispute the transactions and ordered new cards. Only XXXX XXXX did not dispute the transactions and sent the dept to collection company Midland Credit Management in the amount of {$3000.00} XXXX case number XXXX and {$2600.00} XXXX case number XXXX
Product: Money transfer, virtual currency, or money service

I had been having a text conversation with a wrong number text message for over a month when she convinced me to set up a store on www.rakitenshoping.com. I had to put in {$3000.00} dollars to set up a store, to cover costs of purchases. I had a large " sale '' come and needed a {$30000.00} wire transfer to cover it. 
I wired the {$30000.00} to East West Bank in XXXX California on XX/XX/XXXX. 
When I covered this purchase and immediately received another purchase that required over {$100000.00}, and the purchaser was uninterested in my issues with needing to get a loan for over {$100000.00} and XXXX said I had to cover the purchase, or they would file a complaint against me with the FTC. I am over XXXX and had a XXXX XXXX XXXX during this period. I became suspicious and contacted several law enforcement agencies. including the FBI and the FTC. The XXXX  suggested that I contact the Colorado Bureau of Investigation and I did. The CBI recovered the original {$3000.00} wire transfer, and then contacted East West Bank and found out there was at least some of the money in the account I had wired money to. 
On XX/XX/XXXX XXXX XXXX XXXX sent East West Bank a App. for seizure warrant and a seizure warrant. 
Over a month later on XX/XX/XXXX XXXX XXXX XXXX received a written response about the need to domesticate in California. 
He was also informed that the funds were transferred overseas. 
East West Bant was informed that the money in the account was fraudulently acquired. East West Bank took over a month to respond and allowed the money to be transferred out of the county.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I have repeatedly requested statements from American Express from XX/XX/XXXX through XX/XX/2016. I requested copies in XX/XX/XXXX, XX/XX/XXXX and most recently on XX/XX/XXXX where I spoke to XXXX XXXX ( XXXX ) and requested to speak with a supervisor. As none was available, I was told I would receive a callback within 24 hours. To date, no call has been received. I would appreciate receiving the statements as requested.
Product: Mortgage

Through the advice of my loan officer, I initiated a refinance of my home with Quicken Loans. From the very beginning, the underwriter at Quicken Loans advised our loan officer that she had very little experience with Jumbo loans and was completely out of her depth. Yet, for whatever reason, instead of transferring the loan to a senior underwriter, the loan stayed with her. Every day we would receive requests for documents, and explanations which we responded to within hours. For each condition that was cleared, 3 more popped up. At no point did anyone tell us that there was a chance that the refinancing would not be approved, so we patiently waited for 2 MONTHS while the underwriter went back and forth with her team and identified new problems. Several times they lost documents we submitted to them and asked for them all over again, and each time we complied without any issues. For 2 months they led us to believe we were refinancing our loan when in reality they were just looking for reasons to reject it. 3 times the loan went into closing, and 3 times it was pulled out by various people and placed on hold to ask for documents they already had. They wasted 2 months of our time with frivolous delays, when every minute counted for us because we had a terrible rate on our houses and really needed the refinance to continue making payments. Eventually, they declined the loan, completely in bad faith, giving us no reason whatsoever. When asked how it was possible that the refinance went into closing 3 times, only to be thrown out each time, they stopped responding and left us to wonder what went wrong. We still have no idea why we were suddenly rejected, our FICO score was sufficient, our DTI was within the appropriate range, we provided proof of everything they asked for, and obviously someone thought the loan was ready for closing, 3 times. The worst part was that during the 2 months they were " working on the loan '' they ran our credit numerous times, dropping our credit score so low that it will be near impossible to refinance the house anywhere else for the foreseeable future.
Product: Credit reporting or other personal consumer reports

I sent certified mail, A request to remove account, it was a removal letter and a FTC report a copy of my driver license and ssn card for XXXX account XXXX XXXX balance : {$0.00} Date Opened : XX/XX/year>. I disputed the same account with XXXX and XXXX they fixed the problem. I believe TransUnion and XXXX are acting in bad faith, and have not complied with the Fair Credit Reporting Act.They using my name a address i do not never live there date of birth XXXX socical number as proof. I have maintained careful records of their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX is being reported incorrectly and I have also tried to fix this to XXXX XXXX of no avail. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX  with proof of error. Attached is the document showing that the collection account was opened in XX/XX/XXXX, but Experian is reporting XX/XX/XXXX which is incorrect. The date last active is also wrong and inconsistent. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to disputed this item w/ TransUnion using 3 different computers. Each time the page froze, deleted my information, logged me out or did not give me the option to submit the complaint. 

XXXX XXXX XXXX XXXX reports that I was 30 days or 60 days late throughout the term of my loan. This is inaccurate, they regularly reported that it was 30 days late when it was no more that 7 days late. Please also note that they have me at 60 days late in XXXX of 2015, while XX/XX/2015 shows that I was on time, rather than 30 days late. This shows their inaccurate reporting. None of these payments were ever later that 7 days late.
Product: Student loan

I took a student loan on XX/XX/XXXX with Citibank for an XXXX. in XXXX XXXX University. The total amount of the loan was US {$40000.00}. 

After I graduated in XX/XX/XXXX, I returned from NY to XXXX, XXXX, where I currently live. I do not have a bank account in the US. Thus, I made my monthly payments to Citibank with my XXXX  Visa credit card. 

The loan was sold to a company called XXXX XXXX and XXXX XXXX does not receive payments by credit cards ; I do not have a US checking account, XXXX does not work for XXXX, etc. In sum, I was not being able to make my payments. 

In XX/XX/XXXX I sent an e-mail to XXXX asking how to make a payment and explaining the situation. On XX/XX/XXXX I received this response : " We apologize for any inconvenience this may cause you. After review of the account, it has been referred to collections. International borrowers can call XXXX to inquire the next steps. '' I called collections various times and left messages. I also sent another e-mail to XXXX explaining that I was not able to contact collections. Finally, I was able to obtain from collections the wire transfer data in order to send payments. 

On XX/XX/XXXX I wire transfered US {$4800.00}. I informed XXXX. XXXX, however, says they do not have a way of confirming that the money has been received. Collections said on XX/XX/XXXX ( approx. ) that they have not received the transfer ; that it may take a couple more days, and that they will inform me as soon as the money was received ( I gave them my e-mail address, but, although I requested it, they did not give me any e-mail address ). 

Neither XXXX ( despite various e-mails asking the balance, requesting an e-mail for collections and asking which is the authority that oversees collections ) nor collections ( in the phone numbers provided ) have been able to give me an e-mail for collections in order to forward proof of the transfer. 

In sum, I do not know which is the balance, and I will not make further payments until I receive confirmation that the US {$4800.00} were indeed received.
Product: Credit card or prepaid card

Someone gained access to all of my personal things when I left to go on a cruise in XXXX. I started paying attention to transactions on different card statements, I would call the merchants to dispute the transactions and allow them to see it wasn't me. It wasn't until just recently in XXXX when I gained access of my credit report and saw my credit score and that different cards were maxed out. I immediately called the credit bureaus to freeze my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap one bank na
XX/XX/2021
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

XXXX XXXX
XX/XX/2021 INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION 


XXXX
XX/XX/2021
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a hard inquiry from XXXX XXXX on my credit report but I never applied for any products from XXXX XXXX. I uploaded a copy of the certified return receipt from the dispute I filed with Experian and as of XX/XX/2018 the hard inquiry is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021 I submitted an ''Dispute '' accompanyed with a 609 ''Dispute letter. to ''Experian '' Credit Reporting agency. To date XX/XX/2021, Experian has not removed or responded within the 30 day period in accordance of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I filed a complaint about an extended warranty refund and I don't understand the response from the bank. I am in an active chapter XXXX bankruptcy case. The car dealer sent a check for {$1000.00} to the bank. The bank says they mailed a check for {$750.00} to the chapter XXXX trustee. The trustee access website shows no posting of this amount. Also, where is the remaining {$260.00}? The representative from the bank finally called me back and said he can't discuss any of this with me because of the active chapter XXXX case. I paid all of the money to the bank through the chapter XXXX trustee, the loan is satisfied, I have the title to the car. I don't understand how the bank feels they can keep any of the extended warranty refund. Where is the remaining {$260.00}? The bank representative says I need to talk with the trustee for that information. The trustee has nothing to do with this. The bank owes me {$1000.00} for the refund. Now I feel I am entitled to interest on top of that amount.
Product: Checking or savings account

On XX/XX/XXXX ( or XXXX ), I was informed via 2 separate texts that i added myself and XXXX as XXXX receipients. I thought it was weird but the last person that sent me money via XXXX was a friend named XXXX. I added her personally via phone number through my Wells Fargo app. I didnt think anything of it. Then I receive back to back phone calls and a text on XX/XX/XXXX around XXXX concerning possible XXXX  fraud of XXXX. The text sent was very misleading and looked identical to past WF texts. I eventually did answer the phone. The number was also almost identical to wf as it was just 1 digit off! I didnt have to give any personal info, so again believing it was Legit I thought matters had been handled. I was told I would receive a new card and that my funds would be released in 24-48 hours. They also sent a verification text from a common wf 5 digit code that I have received messages from before that are still in my phone to this day! The WF rep was shocked when I told her they had used that particular number and informed that was NEWS to them! The next day XX/XX/XXXX I received what was said to be a follow up call from a similar from the day before. Again just one digit off from actual WF. This one was even trickier! Again another verification code was sent! Within minutes of ending that call I received an email that ANOTHER XXXX was Zelled to new recepient XXXX! I called wf immediately and thats when I knew I had been tricked into answering these identity verification codes so quickly. They werent actually identity verification codes as I was told over the phone and had received so many times in the past! After of almost 90 minutes on the phone with WF. I was told there was nothing they could do and I was stuck until after their 10 day investigation was completed. I am a micro biz and this fiasco is going to literally take me under! I never added those recipients. Any recipients I have added were done via the wf app with a phone number!
Product: Debt collection

On XX/XX/21 I sent a certified letter to a dispute letter to IQ Data International to verify a debt they claimed that I owed over 30 days have gone by and this company is in violation of FDCPA, section 809 ( b ). This company is attempting to get a {$1800.00} payment and have constantly called me even after I asked to be placed on the do not call list as well. I don't owe this harassing company a dime and I'd like them to obey the law and remove this negative report that they did not verify.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name- XXXX  XXXX Account XXXX,