23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 I filled out a web based application for a cash out refinance of my current mortgage. I was approved and XXXX XXXX called me and I worked with him through the process. The system was having issues and so the online application was not established until XX/XX/2020. I paid the {$500.00} fee that I verified with XXXX that if the loan was not approved it would be refunded on XX/XX/XXXX, XXXX.I was instructed to update my homeowners insurance to reflect XXXX. I was sent all the documents and disclosures. On the evening of the XXXX XXXX requested my bankruptcy discharge papers. They were submitted to XXXX on the XXXX, same day that XXXX scheduled my home appraisal. For weeks I submitted paperwork whenever requested and was assured from XXXX that everything was going smoothly and that it should be closing soon. When we got to the 60 day mark I wanted to know what was going on and when was the loan going to close, only to find out that because of the bankruptcy, which XXXX knew about from XX/XX/XXXX, that the loan could not be approved. It has been two weeks, and my money has still not been refunded to me. XXXX is not answering my calls or returning emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Referencing back to Complaint:XXXX XXXX is still failing to reinvestigate for the following accounts XXXX Bank and XXXXXXXX XXXX of the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. EXPERIAN has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX2022 in one of the attachments below due to not having my written consent so I demand XXXX to reinvestigate and remove and block both accounts XXXX BANK AND XXXXXXXX XXXX  XXXX I demand for EXPERIAN to comply block and delete XXXXXXXX XXXX because that account came from XXXX BANK that they removed from my consumer report. On XX/XX/XXXXI sent XXXXXXXX XXXX an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX XXXX XXXX received a cease and desist letter on XX/XX/XXXX and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.
Product: Credit card or prepaid card

Capital one bank us, XX/XX/2017 paid off account still shows on reports of XXXX and XXXX
Product: Credit reporting

A Public Record information is reporting on my personal credit profile and I am challenging it as inaccurate in its filing. The Federal Bankruptcy Court has concluded the action as dismissed. By definition, the term " Dismissed '' means that it is adjudicated by the law. The filing concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for XXXX years. The Bankruptcy Court has confirmed that they did not " verify '' information to the credit agencies as they are stating. By Consumer Law I have the RIGHT to have information of who has verified this as a derogatory. This discrepancy has prevented me in my personal life 's pursuit. I want the CFPB advocate for me in this challenge.
Product: Vehicle loan or lease

I purchased a vehicle from U.S Auto Sales XXXX of XXXX. The vehicle I purchased was a XXXX XXXX XXXX. I purchase a warranty with the vehicle. Well in XXXX of XXXX the vehicle needed repairs. So I took it to a auto shop for repairs then I called the company and found out the company was no longer in service. I was connected to another company called Westlake portfolio. Well this company said it purchase the accounts from US Auto Sales. And they will not honor any warranties they just collect the debt.
Product: Credit card

I purchased a new home and after shopping around for a carpet company, decided to go with Lowe 's in XXXXXXXX XXXXdue to the extended interest rate deferral ( two years ) that I was promised in store. In fact, on the day I ordered the carpet, the store representative made a call to ensure that I would be given the two-year interest rate deferral. 

Last month, while reviewing my statement I realized that my balance had ballooned above where my previous balance was. When I called Synchrony ( third-party credit provider ) I was informed that interest had been added to my initial purchase, which added {$700.00} to my balance, because I did not complete payment within one year. I explained to them that that was not the terms I had agreed to and that I had been making my payments to correspond with a 24-month pay off.

Despite this and my contest, Synchrony has refused to adjust the amounts.
Product: Credit reporting or other personal consumer reports

BMW Financial Services reports my account as 30 days late when it has NEVER been 30 days late. I reached out to XXXX also for a resolution sending them the Statements for the months of XXXX, XXXX, XXXX, XXXX and XXXX which have payment due and received dates on them. I also called XXXX and the representative acknowledged that payment was not 30 days late, She stated give it 45 days and the issue should be resolved. After the review was completed the update was ND for current month and 5 late payments still remain on my report.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries that I have not authorized, I have an account showing missed payments when I paid as agreed, and an account that have incorrect information such as last payment balance.
Product: Debt collection

National credit system XXXX naturally fresh XXXX XXXX, Georgia XXXX Balance XXXX The law clearly states, 15 usc 1692c ( c ) if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Debt collection

These people are STILL lying. They lied in their response to the CFPB. I do not owe this debt and I am now filing a law suit against these XXXX  and the original debt collector. This company refuses to provide any proof or documentation that I owe this debt because they can not do so. I do not owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX XXXX XXXX XX/XX/2020 because I was trying to refinance my car but I was told that I would not be able to do so because there were accounts in negative standing appearing on my credit. I had no idea what they were talking about until I looked at my credit report and saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts nor did I ever allow anyone to open them in my name. I did not benefit anything fro these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I do not have any contract or agreement with any of these companies and I never allowed them to run my credit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Product: Student loan

I completed an Employment Verification Form and it was submitted by my employer. It was received by Mohela on XXXX I called on XX/XX/XXXX and was given no information as to why it has not been processed. 
In addition, in XX/XX/XXXX, a representative of Mohela told me that my account would be reviewed for IDR payments made back in XXXX XXXX XXXX XXXX XXXX and that I would received PSLF credit for those payments but I have yet to see any counts credited. Some of these loans are over XXXX XXXX XXXX. I asked the representative on XX/XX/XXXX if my account had been reviewed for the IDR counts and she said it had not been reviewed. It has been 9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase on XX/XX/2022 at Home Depot for a refrigerator for {$4100.00}, but included the incorrect delivery address. I called Home Depot to change it, but they said it couldn't be changed. It was suggested to cancel the order and place a new one with the correct delivery address. I wanted to used my Home Depot Credit Card to get 0 % interest for 12 months. Since the first transaction was showing pending and my credit limit was {$5000.00}, I wasn't able to make the second purchase without calling the credit card company to cancel the pending charge. I did this the same day, XX/XX/2022 and then made a subsequent purchase for {$410000.00} on the same day, XX/XX/2022 with my Home Depot Credit Card. Then a few days later, the initial charge went through on my credit card and put my over my credit limit. I called the credit card company and tried to correct the situation. They suggested calling Home Depot to cancel the transaction. I called Home Depot. They said to call the Credit Card Company. I called back to the Credit Card Company to file a Dispute. I filed the dispute and have a letter to say the dispute is resolved, however I have not been credited the {$4100.00} to my account and my credit report has shown me over my credit limit and it is impacting my credit score.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX, I woke up to emails from western union stating two large sum transfers were initiated and picked up totaling {$5000.00}. I did not make these transfers nor did I authorize them. I called western union to report the fraud and was told all they could do was close my account. They did not give me a fraud file claim number or any additional information and are unwilling to help investigate or recover the funds
Product: Debt collection

Syndicated Office Systems continues to report a negative collection account on my credit report but has failed to provide any validation of such debt. I mailed a certified letter asking for proof of validation and they have not responded.
Product: Consumer Loan

This company called API keeps calling and harrassing me. At home, work and my cell phone. They call multiple times a day and threaten me. They also claim that I have been " officially notified. ''
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Improper Account Reporting by Bridgecrest Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper reporting of an account by Bridgecrest on my credit report. I seek your assistance in resolving this matter in accordance with applicable U.S. laws and regulations. The timeline of events and actions taken by XXXX XXXX on my behalf are as follows : XXXX. XX/XX/XXXX I first discovered the inaccurate account reported by Bridgecrest on my credit report and immediately contacted XXXX XXXX for assistance. 

XXXX. XX/XX/XXXX XXXX XXXX sent multiple letters to Bridgecrest, requesting documentation to validate the ownership of the account and provide a detailed breakdown of the outstanding amount. 

XXXX. XX/XX/XXXX Following the lack of response from Bridgecrest, XXXX XXXX escalated the issue by contacting their customer support team and engaging in numerous discussions to seek clarification and resolution. Despite these efforts, Bridgecrest has failed to provide the necessary documentation to validate the legitimacy of the debt and confirm my ownership of the account. 

This improper reporting has caused significant distress and financial harm, impacting my credit score and financial opportunities. I believe that Bridgecrest 's actions violate the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Specifically, Bridgecrest has failed to provide accurate and verifiable information, as required by law, leading to erroneous reporting on my credit profile. I respectfully request the following actions from the Consumer Financial Protection Bureau : 1. Conduct a thorough investigation into the improper reporting by Bridgecrest. 
XXXX. Enforce compliance with FCRA regulations and other applicable laws to ensure accurate and fair reporting of consumer information. 
XXXX. Facilitate the removal of the inaccurate account from my credit report. 
XXXX. Impose appropriate penalties or corrective measures on Bridgecrest for non-compliance with consumer protection laws. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your dedication to protecting consumer rights. Sincerely, [ Your Name ]
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of a fraudulent accounts in my TransUnion credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my TransUnion report. 
After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. 

I am puzzled as to why TransUnion continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

I hereby request a comprehensive investigation into this matter and the immediate removal of these fraudulent accounts from my TransUnion credit report. The companies have confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding persistent issues with inaccurate information on my credit reports, as maintained by Equifax, XXXX, and XXXX. Despite submitting multiple disputes regarding the same erroneous items, accounts, and inquiries, these inaccuracies remain unresolved, negatively impacting my financial stability. 

The items in question include : XXXX. Student Loans : I have disputed XXXX separate student loans that were fully forgiven due to my status as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XXXX. Accounts : Erroneous accounts with entities including XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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. Hard Inquiries : Over 60 unauthorized hard inquiries, which I have repeatedly disputed as the result of identity theft. 



To support my claims, I have submitted documentation, including : FTC Identity Theft Report Number : XXXX Data Breach Identity Restoration Number : XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., obligates credit reporting agencies to ensure the accuracy of consumer reports and to conduct thorough investigations of disputes. However, these agencies have failed to fulfill their statutory obligations, leaving me with unresolved disputes and recurring inaccuracies. This failure violates my rights under the FCRA and has caused significant financial and emotional harm. 

Furthermore, I draw your attention to recent enforcement actions by your office, such as the {$15.00} XXXX fine imposed on Equifax for failing to properly investigate disputes and reinserting deleted inaccuracies. My experience mirrors the practices cited in your findings, including : Ignoring consumer-submitted documentation, Reintroducing previously removed inaccuracies, and Issuing contradictory and confusing dispute results. 


These inaccuracies have had severe consequences, including hindering my ability to secure financial products and recover from the financial strain caused by identity theft. Despite my efforts to resolve these issues, I have been met with systemic failures by the credit reporting agencies, leaving me with no choice but to seek your intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The HSBC BANK USA XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The HSBC BANK USA XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false. 

XXXX responded " Trade : HSBC BANK USA XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with HSBC BANK USA XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with HSBC Bank USA XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

HSBC BANK USA XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to HSBC BANK USA XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to HSBC BANK USA XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX has no right to collect any debt for this account from HSBC BANK USA XXXX that was transferred or sold.
Product: Debt collection

I disputed this opened account through National Credit Systems of the amount that their saying I owe them when I don't have any knowledge of who they are. I got no response from them at all. 
The account was opened 2 yrs ago and 6 months. There is a balance of {$960.00}. I would like it to be removed because I don't even have a knowledge of who they are.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX Account Number : XXXX
Product: Mortgage

I received Bank of America new mortgage statement. 
Total monthly payment amount increased from {$1800.00} TO $ XXXXDifference {$690.00}. Principal and interest are the same {$1300.00}. 
Escrow more then XXXX from {$530.00} to {$1000.00}. 
No reasonable explanation. i have a fixed rate, taxes and insurance are the same.
Product: Checking or savings account

This is referent the complaint # XXXX Since my Claim was denied again I want evidence of the XXXX, ATM, all the footage closest to the ATM, I also want footage that should provide the ATM Photo/video of me doing that transaction. SInce XXXX XXXX XXXX ( XXXX month ago ) I have been saying the same, It wasn't me, I didn't recognize those transactions. I was victim of identity theft. 


They ( XXXX  ) also have articles regarding this kind of frauds in their page. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want a solid evidence with the proof of it.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I previously Provided a copy of my FTC Identity Theft Report, Proof of Identity and an Notice to Furnishers of Information to Sequim Asset Solutions back in XXXXXXXX XXXX XXXX. It was sent and delivered via certified mail. XXXX XXXX XXXX the company that this account originated from also was made aware and provided all the same documentation showing that this was in fact due to Identity Theft. Both Sequim and XXXX XXXX XXXX have now knowingly provided fraudulent information to the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Will SOMEONE read this carefully? Your questions are wrong. That's part of the problem. I raised the credit limit on my two cards to raise my credit score but instead it was LOWERED. 

And there seems to be no way to dispute a credit SCORE. Once the machine makes up its mind, THAT'S IT. 

Listen to my story. I bounced a check around 45 years ago because I made a mathematical error in my checking account. That's the ONLY mistake I've ever made. I have two credit cards, the second is just to raise my score. I pay every bill within 24 hours of receipt. I've never owed a XXXX except for my mortgage which I paid on time every month -- and eventually paid it off. I live in XXXX so I never needed a car or a car loan. 

I'm a multi-millionaire, though I'll admit, just barely. 

I told this to TransUnion, but they said I'd have to pay for my credit score. I said I already had it from XXXX XXXX, but TransUnion said their score would be different. It was EXACTLY the same. Either the woman lied, or it's company policy to lie.