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

I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX/XXXX Account # XXXX balance- {$480.00} XXXX/XXXX  Account # XXXX balance- {$580.00} XXXX XXXXt Account # XXXX balance- {$990.00} XXXX Account # XXXX balance- {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw many inquiries appear on my credit report of Equifax. Those are incorrect information and not accurate. I demand Equifax remove those inquiries from my credit report due to accuracy. I already disputed through the Equifax site, but they do not border, investigate, or take any action to remove those. 
List of inquiries that I did not recognize : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card

I already have a Chase Quest credit card which I applied for many years ago. They recently sent me a Chase Sapphire Preferred card, telling me I was pre-approved when I never applied for it. I never activated the card and threw away the letter. 

A few weeks later I noticed that the card had been activated and was listed in my Chase app with a {$95.00} fee. I called them immediately and asked them to close the card, telling them I never applied for it or activated the card they sent me. They closed the card immediately and told me this was fraud. They also asked me to call XXXX to report the fraud. I contacted XXXX who then tried to sell me their products, but I just reported the card as it seems to have damaged my credit rating. 

I dont believe this was external fraud as how would someone outside the bank know that they had sent me a pre-approved card? There were also no charges to the card other than the {$95.00} fee. Why would a fraudster open a card and then spend no money on it for several weeks? This makes me believe that it was Chase who just opened a new card on my account without my permission.
Product: Credit reporting or other personal consumer reports

The outstanding balance on the card was paid on XX/XX/2023. On XX/XX/2023, almost XXXX XXXX later, the payment reversed and {XXXX} was re-applied to the outstanding balance owed. This account is now reporting that I am XXXX XXXX over the credit limit. 

This has caused a huge negative impact on my financial well-being, caused an unreasonable increase in fees and finance charges and is a defamation of my character overall. 

As defined in XXXX XXXX XXXX XXXX and XXXX, there is abundant evidence of the use of deceptive and/or unfair debt collection practices. There has been use of false, deceptive, or misleading representation/means in connection with the collection of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many ACCOUNTS 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 accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these accounts as soon as possible. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$230.00}
Product: Debt collection

In XXXX of XXXX I purchased a diamond ring from XXXX, I put down XXXX XXXX dollars on that ring and my payments were XXXX a month. I put this account on auto pay. Account number XXXX. I put this account on auto pay. I was never late for more than two years, they sent me a payment book, so on the last payment in my book I made the payment then closed out the account. A month later I recieved a cll from Monterey stating I owed them one more payment at a balloned cost to close out the account. They advised me because it was the last payment I had to pay more to close out the account. I advised them I still have the payment book in my possesion, and I did in fact make the last payment. I tried to settle this account at the payment I had before I closed the account. Monterey advised me they would not except that payment. I did not recieve anything in the mail advising me I had another payment, and I did not recieve anything in the mail about the last payment being larger than the origanal payment of XXXX. I finished paying on this account in XXXX of XXXX. I was never late and I never spoke to Monterey for overr two years until the last payment issue came up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have not complied with the provisions of the FCRA regarding blocking information from a consumers credit report when they have provided all the documentation to support a claim of ID theft. I have provided additional documentation from XXXX that affirm that my information was compromised in XXXX.
Product: Credit reporting or other personal consumer reports

For years I have tried to take care of this issue with XXXX effort. I will now be going forward with legal proceedings. I have proof in documentation of the collection being removed from the other credit bureaus and the company is denying this one through XXXX. This is and will be the last resort before proceeding with an attorney as they have broken FCRA laws by removing the collection from the other credit bureaus and then sending me a response back through XXXX that it will remain on my credit file. 
FCRA Laws as follows have been broken. 
Section XXXX, XXXX XXXX and XXXXXXXX XXXX  XXXX. I will upload proof company removed from other credit bureau files, but will not from XXXX. I will now be forced in suing the company.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Payday loan, title loan, personal loan, or advance loan

Predatory lending practices. 
Hi Financial Corporation ) is engaging in deceptive practices, potentially posing as a finance lender but actually operating as a title loan business.
Product: Credit reporting or other personal consumer reports

This is my second requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$3800.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$3800.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Credit card or prepaid card

XXXX XXXX ( Sams club ) offers 5 % 3 % and 1 % cashback rewards. The classification of the purchase is not clear, in fact, the original disclaimer referenced how a gas charge may be identified as other ( grocery ) depending on the merchant 's classification. The Synchrony supervisor now states that the products themselves are classified and this will not be conflicting. The process to find out what is really happening is not clear, difficult or impossible. I broke down the classes of charges on one months statement, carefully removed any non-qualifying products ( Sam 's club 's {$100.00} annual membership does not qualify, for example ) and came up with a total reward value of {$63.00}. The bank representative stated that I received only {$59.00}. This is one of the  smaller statements and we have been intending to " spot check '' for a couple years. I suspect there is unconditional deception and want the CFPB to cause a means of identifying and clarifying exactly what is what. I have a scanned example ( breakdown ) of this statement to share. I have posted on XXXX XXXX blog, hoping they would put pressure on the gas industry by promoting those who post their classification code ( s ) and statement, respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding WF CRD SVC, Institution Information WF CRD SVC XXXX XXXX, IA XXXX They placed an unathorized inquiry on my credit on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. 

Personal statement ( s ) XXXX  & XXXX-19 XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX-19.
Product: Checking or savings account

Someone tried to open a Bank of America account with my info and Bank of America sent me a notice saying that person was unable to do so. I did not try to do this and immediately filed a fraud report.
Product: Mortgage

The lender has agreed to review the clients file through loss mitigation options and is refusing to hold/postpone the sale date set for XXXX/XXXX/16 to allow time for the review, which they state will take up to 30 days.. They are in direct violation of regulation X by Dual tracking.
Product: Vehicle loan or lease

I purchased a vehicle truth a car dealership and was quoted am interest rate of 8.7 % when I signed my loan after Wells Fargo processed the loan at 18.9 % after 60 days of owning the vehicle. When I called them for months with the proof of my contract and signature and the dealership signed documents. I was told that they had a right to change my interest rate even after the loan was processed. I tried to refinance through another company and they denied the payout value of my vehicle. I finally traded it in and got a new bank but not after paying years of higher interest rates that were quoted.
Product: Debt collection

Navy Federal harassed my mother on her personal cell and at work, ( I did not have her listed as a relative of mine, nor did I supply her phone number ) and she received demerits for personal calls while at work. She explained to me that she got a call from them ; she thought it was about her account with them, and they asked her did she know me. She immediately replied that while she did know who I was, she did not have a relationship to me that would allow her to be privy to the information they were about to discuss. She hung up.I then called and I explained that I did not want my business discussed with any XXXX other than me. She then began getting calls everyday and she asked to be removed from their call lists about this issue. Then they began harassing her at work, using her personal extension. She again asked to be removed and then they called the main line and asked for her personally to talk about my account. That is when she began having issues at work from those calls. I then called and asked how Navy Federal got her contact information. I explained that I did not want my business discussed with any XXXX other than me.
Product: Checking or savings account

I issued a check of XXXX for a company XXXX XXXX XXXX on the XXXX of XXXX the funds were taken out of my account on the XXXX of XXXX according to the company he says he never received the funds he's not sure what is going on he called in his bank Chase and Chase Bank told him that the funds is going to be returned on the XXXX of XXXX I did not receive the funds back and the company did not receive the funds from Chase Chase is holding hostage customers without any reason whatsoever after making a decision that they will return the funds because only only numbers of the amount were written out and not the written piece that they will send back the phones to the issue of the check they are still holding the money and probably making millions of dollars in inches because of that it is outrageous and it is wrong for an institution to hold hostage people 's money if you go up on XXXX reviews everybody is crying that chase is holding a hostage people I asked my Bank XXXX XXXX XXXX XXXX  and they claim that they release the money a long time ago already to Chase and Chase is holding the money and Chase is refusing to return the money or to release the money to their client
Product: Credit card

My credit card information was stolen and there were about {$6000.00} of fraudulent charges. I disputed the charges with Citi. They gave back around {$1500.00} but the rest is still pending. They closed my old account and issued a new card. However I am still getting fraudulent charges on my old account which then transfers to my new account. The experience is very frustrating. I have called them on multiple occasions and they tell me they are working on it but may take up to two billing cycles. I asked what I should do with the fraudulent balance and they could not provide a straight answer typically saying it is up to you. The fraudulent charges occurred on XXXX XXXX. The new fraudulent charges were on XX/XX/XXXX.
Product: Checking or savings account

1. I requested a couple off things and sent in a Payment coupon.

Because i didn't get any confirmation of received or accepted, i call in a recorded line with a person/employed of toyota. i ask if had received my documents i sent. I said i had sent a payment coupon for the total remaining balance / pay off / payment in full. I ask if he understood a payment coupon he said yes. I ask i was checking to make Sure i fill it out properly, I didn't sing it, i did put some ucc codes in and wrote the amount. 


2. toyota also updated their website and in the process took peoples or persons ' AutoPay out including mine. The Bank accounts ' numbers to witch the payment get pull from. imagine if i took off for 3 months ' for the holidays starting XXXXXXXX XXXX XXXX XXXX. and not pay attention to any emails or text because you now i have it all on AUTOPAY rite. not if it was obstruct. witch will create a lot of problems. to which toyota would be liable. To be a breach of contract
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX  : XXXX to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted EXPERIAN regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has continuously tried to collect on old debt. Even after being disputed ( they could not validate the information ) and being removed from my credit report, 2 years later it randomly shows up again on my XXXX credit report with misleading and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently view my credit report and saw a unauthorized credit inquiry in my credit profile made on XXXX XXXX by XXXX XXXX and i will like to have this remove immediately
Product: Mortgage

XXXX XXXX 2015To : XXXX/Wells Fargo Home Mortgage XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Case # XXXX, Loan Number XXXXVIOLATION OF PREDATORY LENDING1.Failure to present the loan Rate as first Negotiated by your ServicingAgent. 

2. Loan " flipping '' - frequent refinancings that result in little or noeconomic benefit to the borrower and are undertaken with the primary orsole objective of generating additional loan fees, prepayment penalties, and fees from the financing of credit-related products ; 3.Refinancings of special subsidized mortgages that result in the loss ofbeneficial loan terms ; 4.Using loan terms or structures - such as negative amortization - to makeit more difficult or impossible for borrowers to reduce or repay theirindebtedness ; 5.Using balloon payments to conceal the true burden of the financing andto force borrowers into costly refinancing transactions or foreclosures ; 6.Targeting inappropriate or excessively expensive credit products toolder borrowers, to persons who are not financially sophisticated or whomay be otherwise vulnerable to abusive practices, and to persons who couldqualify for mainstream credit products and terms ; 7.Inadequate disclosure of the true costs, risks and, where necessary, appropriateness to the borrower of loan transactions ;
Product: Credit reporting or other personal consumer reports

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Bull City Financial ( {$240.00} Collections ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed this debt agency that information was compromised. This is not a credit transaction initiated by me. Additionally, I will be filing federal complaints against XXXX XXXX XXXX for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. XXXX XXXX XXXX failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. 
This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested for XXXX XXXX XXXX to provide verifiable proof of this debt and clarification of how this alleged collections was verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given XXXX XXXX XXXX a fair opportunity to clear this up, however I am still being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2/XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

To whom it may concern, I've been trying to negotiate with Planet home lending my loan for a while now. I've submitted my mortgage assistance application and still have not received a fair answer to my request but instead i was given the run around and sometimes just an answer to shut me up so they can look good. As I stated i submitted my request for mortgage assistance and they did not even look at my finances at all instead they gave me an offer that i can even afford based on my finances. All that I'm asking for is a fair review and a fair payment based on my finances on not something that they are forcing me to take. Please review my situation and allow me to keep my home.
Product: Checking or savings account

I have a CD at Bread XXXX/Bread XXXX XXXX I've tried to log in many, many times. Last week I tried to log in and my password didn't work. Finally, I tried changing my password but they never sent an email link, nor did they text me a link. I called customer service but was on hold for an hour before I hung up. Today, I tried again and went through the same process except this time the program suggested I use a different browser which I did with the same results. I have not been able to talk to a person or " chat '' with customer service. I believe I somehow sent a message last week describing the trouble I was having but I have not received any communication from them.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and used by someone who did my credit repair for a couple of years. She also did fraud with other people 's info that I know. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.