23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In early XXXX I was shopping around to find a loan for a new car purchase. During my internet search I was directed to Lending Tree at which time I was lead to believe that I was shopping for companies with the best rate. I submitted basic personal information, but at no time did I understand that I was submitting an application for a loan. I ended up going with a local financial institution, but this week I received a letter saying that I had been denied a loan with XXXX XXXX XXXX . I do not recall submitting an application for a loan, and believed that I was only inquiring into details of loans. So contacted XXXX XXXX XXXX and the representative proceeds to ask for my information. Name, phone number, and then the last four of my social security number. At that point I declined verify any additional PII data because I never shared the data with XXXX XXXX, but the representative confirmed that the application came from Lending Tree. 

My issue is that Lending Tree is very misleading. There are a bunch of data points that are being collected upfront, and at no point was it ever disclosed that I was submitting an application for lending. If I knew that I was submitting an application I would have stopped or never started the inquiry.
Product: Credit card

I paid off my bill early. Then they refunded my paying the credit card without letting me know. On the fidelity website. Then made sure I couldn't pay it off that way. I got proof I tried to call multiple times and from different numbers they provided. They then charged me with a late fee. My screenshot proves that. Plus i posted the one that proves i paid off the bill without a refund. The 3rd one proves i paid off the credit card bill in full the day i typed about this. I just saw all of this today on the fidelity website. I am unsure that my payment paying it off from the elan website area went through either ( hence the screenshot ). I took screenshots of all of this including what makes me think it went through when I created the account on their elan website. The only way I am able to think of making this stop is by making a law that forces them to create physical places mainly in the bank itself. A place for credit card incidences of any kind. That way the credit card companies must follow all laws and unable to mess with anyone 's credit. I haven't given up on trying to contact them. I am also unsure that I got the money back in my account from the first payment to them I got XXXX proof to that. I am trying my best to keep perfect credit. I doubt I am the only one having issues with the fidelity credit card. It seems like elan financial services shutdown but kept their credit cards around. That is why I am unable to contact them. That needs to be illegal. That allows them to give people bad credit with nobody to sue and fidelity gets to say not their fault elan a 3rd party place. They need to not be allowed to use them anymore until elan fixes itself and all credit cards like mine needs to be forgiven as long as this continues. I don't know what is going on with the payment I put in and that is partly what scares me. I need that XXXX XXXX  forgiven because I got proof to paying it off on time. I am fine with everybody knowing about this because contacting fidelity 's credit card company absolutely impossible. It also explains how to fix all issues including fraud instead of filling out this form and XXXX willing it goes somewhere and fixes stuff.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 

Account Name : Account Name : XXXX XXXX - Account Number : XXXX Account Name : Account Name : CHILD SUPPORT - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a letter to Experian, XXXX, and XXXX requesting them to remove inaccurate information from my credit report. They did not respond, so an additional letter was mailed out on XX/XX/year>, to Experian, XXXX, and XXXX requesting that the debt be validated and to send me a copy of all original contracts validating the debt. All but one responded ; however, they did not validate the debt, and the inaccurate information remains on my credit file. Experian and XXXX responded
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XX/XX/XXXXTransUnion/ XX/XX/XXXXDear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit from each reporting agency on XXXX XXXX for a loan I never applied for.
Product: Checking or savings account

I went to the ATM ( XXXX Bank ) on XX/XX/year> to make a cash deposit. The Bank was closed so i used the ATM i deposited XXXX in different denomination bills. When the ATM took the cash, the ATM started to make odd noises and took a long time to accept the funds, then finally it gave back XXXX XXXX bills all wrinkled up. A message came on the screen that said my transaction could not be processed at this time and the only option that it gave me was " Approve ''. So, i hit the button and it gave me my card back??? With no proof of deposit. So, i XXXX crinkled my XXXX dollars and re deposited it and it went through. I noted a phone # on the machine to call in if i had any troubles so i called and received a claim # and was it could take up to XXXX  days. I went to the branch that Monday afternoon to see if i could escalate the claim. The bank Mgr. Helped out and put a XXXX amount into my account to cover the loss while it was being investigated. I now received a letter telling me no error was found and the money deposited by the bank was going to be removed. This is ridiculous. I find it very hard to believe that no person could enter the ATM machine to check the funds or to see and transactions showed error issues for the date in question.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaints : Credit Card Account : Opened at XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXXXXXX, under the account number XXXX, with a total fraudulent amount of {$340.00}. 

Credit Card Account : Opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$3400.00}. 

Credit Card Account : Opened at XXXX ( XXXX Bank Delaware ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$7400.00}. 

Credit Card Account : Opened at XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4300.00}. 

Credit Card Account : Opened at XXXX XXXX ( XXXX Bank ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4300.00}. 

Credit Card Account : Opened at XXXX XXXX ( Synchrony Network ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$330.00}. 

Auto Loan or Lease : Opened at XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$80000.00}. 

Auto Loan or Lease : Opened at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$14000.00}. 

Auto Loan or Lease : Opened at XXXX ( XXXX XXXX ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$16000.00}. 

Personal Loan Account : Opened at XXXX XXXX ( XXXX XXXX  ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$13000.00}. 

These accounts have resulted in several fraudulent hard inquiries appearing on my consumer credit report. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts, or hard inquiries. The accounts, collections, and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Mortgage

Backaround XX/XX/2016 I contacted my mortgage co, PHH Mortgage about re-financing.The original loan was in my husband 's name ( now deceased ) only. I told them I was going to apply {$50000.00} as a down payment. This was a gift from my sister-in-law. I was told they could do the closing XXXX XXXX, & I needed to send them the $ XXXX PLUS my regular payment of {$780.00} before XXXX XXXX. I did. No closing on XXXX XXXX. Then, after I started calling regularly, they mailed me a letter saying they had my closing set for XXXX XXXX. That day came & went. Nothing. So on Monday XXXX XXXX, I called to find out why they did n't close. Said they needed to do employment verification. They had done it twice already. I told them I was getting an attorney to investigate. Next day, I got a call saying they were coming to my house @ XXXX on XXXX XXXX. Never came. Wo n't ans wer my calls. I am a widow. No pension, no social security. Only a job paying {$10.00} an hour. I can barely pay my bills, & only then with help from relatives & food stamps. PLEASE help me if you can. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted my FTC report and my PA license to Experian on XX/XX/2023.
Product: Mortgage

Indymac/OneWest Bank foreclosed on my house XXXX XXXX, XXXX, after over a year of filing for a modification that was turned down, yet resurrected after my first complaint to CPB. I rejected the bank 's offer to modify because it did not include any debt forgiveness, and since my late husband had refinanced the house so many times, I felt it would never gain the value of the mortgage amount. 
The mortgage was over {$900000.00} and the bank got a desktop appraisal of {$400000.00} because my late husband built the house without county permits. I was notified by an old neighbor, a broker with XXXX XXXX, that the bank sold the house for {$680000.00}. Yet the bank sent XXXX, and XXXX claiming cancellation of debt in the amount of {$500000.00}. The actual amount of debt cancellation should be {$230000.00} according the sale amount rather than a FMV amount that did not include an actual onsite appraisal of the house and property. The date on the XXXX 's is XXXX/XXXX/XXXX, the house sold on XXXX/XXXX/XXXX so perhaps the sale had not gotten into the accounting department. 
After suffering through a foreclosure, losing my home of 26 years, I find it hard to believe there would be a tax penalty which I can not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor is the bankruptcy on XXXX mine.
Product: Checking or savings account

On XX/XX/XXXX I tried to open a checking account with Charles Schwab, and their rep told me on the phone that someone already used my SSN to open multiple accounts with Charles Schwab.

I reported this as fraud, and Charles Schwab suspended the accounts by Monday XX/XX/XXXX. 
I then went to their office on XXXX XXXX and verified my identity, presenting my SSN card, passport and address confirmation. 
But when I called them again on XXXX XXXX, it turned out that the fradulent accounts were reopened ( unsuspended ). The rep on the phone also gave me the name of the person who opened the account with my SSN ( XXXX XXXX ), and other personal information like the number of accounts and balances - he gave me all the infromation without being able to verify me!! 
The company opens accounts without verifying if SSN matches the person name, and easily divulges personal information over the phone, you just need to give them the SSN. I'm now worried that Charles Schwab will as easily give away my name and other personal information ( which i submitted when i went to their office to verify myself ) when the fraudster that uses my SSN will call them to reactivate their suspended accoutns again.

Charles Schwab also reported the fraudster 's name to credit beraus, and now the name is liked to my SSN in credit beraus. Charles Schwab doesn't run even the basic check if new customer 's SSN matches the family name of the person. Because of this I have the wong name associated with my social in credit beraus!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following inaccurate information to be updated and corrected right away : 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 XXXXXX/XX/2021
Product: Credit reporting 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration with the presence of fraudulent items on my credit report despite my repeated attempts to have them removed. This marks the many time I have contacted you regarding this issue, and I am deeply concerned about the negative impact it is having on my financial standing. 

Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX - XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

First franklin in XXXX, la I get a loan with them for XXXX dollars and now the pay back XXXX, But there reporting my my credit that I am 5 months behind and that not true. In XX/XX/XXXX there report that I was 2 months and now i am 5 month. I talk to the dm and he said he dont know. I have talk to them on alot times. I was sick for 2 weeks so I was behind one month there done a judgement on me. I talk to the company in XX/XX/XXXX and want to make 2 payment there dont want to take it. Then 2 weeks later in XX/XX/XXXX I get Serve with a judgement at my home. For XXXX XXXX dollars. For being one month behind. I have call the office on XX/XX/XXXX and XX/XX/XXXX to talk to them about my account there told me there was going to call me back and I was not call back .and then the judgement. We get this account in XX/XX/XXXX, I made my payment for XX/XX/XXXX and XX/XX/XXXX with  my debit card, there tell me that I dont make no XX/XX/XXXX payment my bank account show it .for XX/XX/XXXX, for XXXX
Product: Credit card or prepaid card

I went into an HSBC bank to change my name after I got married. While there, the banker told me he would send the forms to my phone. I clicked and signed where he told me to sign. A few days later, I checked my account and saw that a credit card was opened in my name. I called the banker and he said we had discussed opening the card even though that never took place. He then told me not to worry because it was a soft pull. My husband called the banker, XXXX XXXX, later who then changed his story to say it was a hard pull, not a soft pull. We tried to resolve the issue through the bank but they are saying there was no error. The bank manager even tried to convince us to keep the card because the benefits are so worthwhile.
Product: Checking or savings account

I submitted a claim for charges from XXXX that I did not authorize. The charges are fraud & totaled over {$12000.00}. I was told that I would receive a call from a rep but never received one. I called & reported that the amount showing is incorrect & that my claim wasnt submitted correctly. None of this information was ever fixed nor updated & Wells Fargo closed my claim without returning my money. They continuously steal from consumers & think they can get away with it by using shady tactics. I want my money returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( XXXX ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( XXXX XXXX ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( XXXX ) , continues its collection efforts, I will file for litigation for actual damages caused and ( XXXX ) , shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened These fraudulent accounts consist of personal credit card opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card with XXXX XXXX opened XX/XX/XXXX with the account number XXXX, an personal credit card opened with XXXX XXXX  opened on XX/XX/XXXX with the account number XXXX, an personal credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( XXXX ) 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: Checking or savings account

I filed a dispute for {$72.00} on XX/XX/XXXX. Wells Fargo closed claim on XX/XX/XXXX giving me permanent credit. Now XX/XX/XXXX I received a different letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX date is continuously changed to remain on my credit longer than Fed law allows. Each time I dispute the incorrect information the company moves it out even further into the future. 
In reference to Experian reporting : Report # XXXX shows account will be removed XX/XX/XXXX as a result of my XX/XX/XXXX dispute. 
Report # XXXX also shows XX/XX/XXXX disputed then moved date to XX/XX/XXXX Report # XXXX shows XX/XX/XXXX after dispute it was changed to XX/XX/XXXX XXXX