23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I own a XXXXXXXXProperty ID : XXXX XXXX XXXX XXXX XXXX XXXX   TX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  : XXXX   XXXX XXXX XXXXThis land was gifted to me in XXXX, I bought a double wide mobile from XXXX XXXX and in XXXX, I requested a loan from Wells Fargo Financial and they made the loan knowing that my property had my mobile at XXXX XXXX and a mobile at XXXX XXXX XXXX and a mobile at XXXX XXXX XXXX. Wells Fargo has my mobile changed from personal property and converted to Real Property so they could tie the land and property to the new loan. Wells Fargo is charging me a 9.66 percentage rate and I have tried to get them to modify this loan, but they refused. I have tried several banks and local mortgage lending companies to see if they will refinance this loan and they all tell me, that since there are 3 mobiles on this XXXX they are not legally able under federal mortgage rules to make me a loan. My complaint is why and how was Wells Fargo legally able to make me this loan when no other lending company can? So now I have no options available to get relief from this very high interest loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello Back in XXXX i decided to close my credit cards ( capital one, XXXX XXXX, XXXX ). 
things went smoothly and just fine The only issue happened with capital one. 
After I paid and the customer rep confirmed payment ( i was using my XXXX XXXX bank debit card and there was sufficient balance ). 
after XXXX months they sent me a statement that payment didn't happen and i owe them an amount plus interest. 
I called them and i refused paying interest for the reason ( they willingly didn't process payment nor send me monthly statements in order to accumulate interests and fees toward my balance ). secondly what happened is not supposed to be a matter of mistake as the rep confirmed payment. He supposedly got an immediate response from the network about that??? 
They insisted on getting interest and fees and i refused to pay them. i end up saying to them am leaving the country and am not sure when i will be back however am willing to pay them right now for the amount am paying when i called to close my card, finally they agree and i paid them immediately. 
yet they obscured my credit score and am not able to get my credit score nor other companies.

i remember i was in good standing with my credit overall and am supposed to be having a credit score as I am debt free and i paid off all my cards.

They dint wan na lend me they are free and am not willing to deal with them again anyway but preventing me from having a credit score and seizing my access to other lenders is completely wrong. 

Thank you for taking the time to read my message
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear CFPB, I have tried to work with Equifax about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXX enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 
I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from XXXX  still see items that are inaccurately reflecting on my credit report with them. 
I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
Equifax is causing me great harm. 
I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 
Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 
Thank you, XXXX XXXX
Product: Credit card

I hope this message finds you well, because I sure as XXXX am not. On reviewing my most recent statement, imagine my surprise to find a late payment charge glaring back at me. 

According to your records, it appears that my payment arrived late this time. Now, because I have some modicum of self-restraint and organization, I made sure to pay well ahead of the due date - as I always do. Now, I understand that your bookkeeping system might be having a permanent day off or that it's overly dependent on caffeine. But assuming that I was late on my payment? That's amusing, to say the least. 

In reality, your system has either messed up big time or somebody in your department thought it'd be funny to XXXX with my account. 

Either way, I would appreciate it if you resolve this matter immediately, before I get a XXXX from your system 's uncalled-for mistakes. I also request a confirmation as soon as this incorrect charge has been rectified and a statement reflecting the same sent my way. 

Did I make a mistake trusting your reputed services? Please make me think otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this problem and I would like someone with sense to look into this again. I stated that i was married. I work 50 or more hours a week. Multiple accounts were open in my name with my knowledge because I didn't check emails because my ex wife handled the bills. I disputed an account with Kohl 's department store and they stated that it was indeed mine because the information matches..Of course the information matches that was my wife for 11 years..She had access to those accounts.She stayed at this addresss. Nothing that was purchased was for a man. I would like this to be taking care of because i am taking legal actions because you guys gave her the card.Call the number on the account im sure she will answer.
Product: Credit reporting or other personal consumer reports

I am filing a compliant against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 5 U.S.C. 1681, which mandated a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. I want the reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

recently i file a complain best buy citi credit card about the unreasonal interest charge but they give me back the answer is ridiculous they say if two month in the row i pay it full amount i do n't need to pay interest the question is XX/XX/XXXX and XX/XX/XXXX i pay full amount in statement balance but i still need to pay interest on what they say billing cycle that is unacceptable answer they can say whatever they want and do whatever they want to ripe the customer off and how they count billing cycle this is only credit card cheating me and what mean by statment balanceso if like that they do n't need to sent people statment just keep saying that statment balance is nothing billing cycle is right
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE RENTED A APARTMENT IN MY GOOD NAME USING MY ID FRAUDULENTLY, FTC REPORT ATTACHED. AT XXXX XXXX XXXX IN UTAH USA
Product: Credit reporting or other personal consumer reports

When attempting to log into my.Equifax.com for the first time in a while, and to my surprise I logged into someone else with the same name as but not my SSN. The account that I logged into had negative accounts, which made want to go check my other credit reports, and to my surprise, I was able to see multiple negative accounts that were illegally added to my credit report due to fact that Equifax allowed my credit report to commingled with the same name as me. I had no collections, and now i have collections. I had no charge-off accounts, now i have charge-offs on my account. I had no never credit card on my account, but now i have never card accounts. I have called and spoken with Equifax about this twice, 1st notice XX/XX/2024, 2nd notice XX/XX/2024. Under Laws 15 U.S.C. 1681eb, 15 U.S.C. 1692g, i want to request that Equifax remove any all negative accounts associated with my credit report for their negligence in allowing my credit report to commingled with someone else with same name.
Product: Debt collection

I owe Bank of America around {$4500.00} on a credit card and started getting letters last year saying that they want to sue me.
Product: Credit reporting or other personal consumer reports

Wells Fargo sent this account to collection back in XXXX  then sent me a 1099-C XXXX years after the account was closed. this is illegal and can not be enforced.
Product: Debt collection

On the XX/XX/XXXX stating that I owed a debt. I followed up by certified mail signed by XXXX XXXX asking them to validate this debt. I then received another letter from them without any validation. I received many threatening phone calls. Then on XX/XX/2020 I  receive documentation that I was being taken to court.
Product: Debt collection

General Revenue Corporation has been aggressively calling my ex wife and her other family members and her other children to get information about me. They are harassing them very aggressively this has been going on for the past week ( todays date is XXXX-XXXX-17 ). 
The folks they are calling are within my family and my ex-wifes family who are not blood relatives of mine. Please ask them to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 alleged fraud or extortion. 


XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
Product: Credit card or prepaid card

I have contacted Bank of America twice about this issue by phone. Its been three weeks since I requested a check refunding a credit balance I have on my account. What is going on? THEY ARE REFUSING TO RETURN MY MONEY.
Product: Vehicle loan or lease

I filed a complaint earlier this year when the car was still in my possession. The company Santander appeared to comply with my request if I volunteer the surrender the vehicle. I agreed to surrender the vehicle under the conditions I would have a XXXX  balance. Santander hired a local law firm that send deceptive documentation NOT written in laymans terms that stated I surrender the vehicle and after it sells in the auction I will owe the difference. If i signed the form I waived my rights to any future due process. I replied to the letter and asked for the letter to state amounts so that both parties were clear on arrangement and also asked that the letter be signed by Santander and myself like a proper contract should. 

The lawyer did not respond to my request. I received several visits to my house to be served for a court date. I received tons of advertisements from local law firms willing to represent me for my court date. I was never properly served but knew my court date existed. I complied and went to court and agreed that I would have the car ready and available to be repossessed.

The car was repossessed and resold at an auction. I was charged auction fees legal fees as well as the remaining balance of the car. Why am I responsible for their remaining balance Santander has the car and has sold it. Contract? The contract was illegal I was never able to afford the car loan my income was inflated to be approved. Why is it when one loses their home due to foreclosure they lose their home and no longer have to pay on the loan?

How is it that Santander acquires an illegal loan from a fraudulent company that is no longer in business due to fraud and is able to legally launder an illegal loan?

How is it that Santander writes the car off on their taxes as a total lose but then has it show on my credit twice once as a total loss and then reappear as a open account for the remaining balance?

How can Santander write off the car for tax purposes but then re gain possession of the car and make a profit from it?

Why is a blind eye being turned to this illegal activity?

Why is Santander able to target low income, low credit score and red line individuals and neighbors legally?

Why is Santander able to admit fault in court and never change their illegal tactics?

Why is it that Santander can acquire billions of dollars in profit through illegal loans but only pay bare minimum consequences?

Why is the companies being protected and not the people?

I am still waiting on the questions asked in the initial letter to be addressed.

I have been in constatnt contact with the company representatives and have been complaint. I just requested a document that stated the dollar amounts and signed by myself and the company as legal and proper agreements should with non deceptive language that the general public can read and understand. This could have been prevented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. 

These Inquiries are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 

ALL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXXN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was notified my info was breached in the EQUIFAX DATA BREACH and I promptly filed an FTC AFFIDAVIT and reached out to the credit bureaus. 

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

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

XXXX XXXX {$10000.00} address XXXX XXXX ND, XXXX DELETE this address and incorrect DOB XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XXXX The info above you have on my report are inaccurate and want them deleted. 
I have attached a copy of my credit report showing your inacurrate and blatant violations of my consumer rights. 

My correct info. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised th
at under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I was approved for a line of credit to purchase furniture through synchrony bank. The agreement was that all payments would be deferred for 12 months and no interest would occur if balance was paid in full by the end of the 12 month period. After making a couple payments, my account was charged off as bad debt, and this has been reported on my credit.
Product: Mortgage

YOU STATED THAT YOU ARE STANDING BEHIND IN THESE FORGED DOCUMENTS THAT WERE SENT TO ME. THE DEPARTMENT OF FINANCE & TREASURY AND THE MODIFICATION WAS DONE IN 2018. THOSE DOCUMENTS I SENT THEM TO A FORENSIC LAB AND THE OPINION OF THE LAB STATED THAT THEY WERE FORGED DUE TO THE HORIZONTAL AND VERTICAL LINES INDICATING FORGERY. A DOCUMENT WAS PLACED ON TOP AND TRACED OR FREEHAND TO THE PAPER AND COPIED. NOT MY INITIALS OR SIGNATURE. I AND MY LEGAL ADVISOR STAND BEHIND THESE FINDINGS. AND XXXX XXXX DOES REFINANCES AND LOANS AND IS NOT BACKED BY THE GOVERNMENT OR THE VETERANS ADMINISTRATION.
Product: Debt collection

We rented an apartment at XXXX XXXX XXXX XXXX XXXX that was damaged by the hurricane in 2017. The windows were broken by a tree which we notified the management was hitting our window, months prior. The management failed to repair the window for almost three months resulting in water damage to the wall, laundry room and carpet. Additionally at move in, as documented in the move in inspection, we reported the carpet, walls and cabinetry to be in a state of disorder. These items were never repaired in any semblance. The garbage disposal unit also was in a state of disrepair and leaked water regularly. This was reported many times and did result in damage to the woodwork of the undersink cabinet. 
Upon move out we discussed this with management of the unit and were noted to not be at fault. Months later we began receiving debt collector calls stating a unpaid debt of {$860.00} that was related to these damages that are the property managers fault. We have contacted the manager on eight separate occasions and were promised that this would be addressed. It never has been addressed.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : TransUnion Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted XXXX several fraudulent hard inquiries and fraudulent collections appearing on my XXXX XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not accountable for them. Their presence has resulted in considerable XXXX XXXX XXXX XXXX  As an identity theft victim, I may have to resort to legal action if this matter is not properly resolved. These erroneous and fraudulent entries on my consumer report have obstructed my plans to purchase my ideal home and provide for my family 's necessities. The effect on my financial health has been profound. For your reference, I have enclosed a copy of my previous correspondence to the XXXX XXXX XXXX XXXX XXXX XXXX detailing this issue and seeking a resolution.