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

I just recently reviewed a copy of my credit report. I very Shocked to learn that Ive been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This has been unjustly harming me as I am in the process of getting a home for my family. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, specically sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to expedite this investigation and removal of the inaccurate collection account from my credit report. Given the substantial impact of this issue on my nancial standing, I stress the need for a resolution within 24 to 48 hours. The urgency can not be overstated, as it affects my mental and nancial health. 

XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 2024
Product: Debt collection

AFNI is continuing to report to the credit reporting agencies a debt that did not belong to me. 2 years ago they sent me a settlement offer for a debt which I did not recognize. It was a small amount so I paid it to avoid further collection activity. Since that time, I have requested several times from them proof that the debt was actually mine and they have ignored my requests each and every time. The name on the debt does not match mine and it is for an address at which I have never lived. Despite my disputing the debt, they continue to report this debt as settled on my Experian credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried o pull out money from my XXXX XXXX card and I only had XXXX $ on it I checked my last transactions and it showed me XXXX different transactions In XXXX  California I live in XXXX California I never been to XXXX  in total it was XXXX $ and as of XX/XX/23 the bank sent me an email saying they will not return my money I lost my job because of this do to my car needing to be repaired and I'm on the verge of being evicted I'm at a loss of what to do can u plz help me iam a single mother of XXXX and I need help to get my money back thank u.. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO : CFPB and other monitoring government agencies This is my third request for Wells Fargo to answer just one question..Where 's the money? 

How can they just ignore your services and my right to know request? 


TO : Wells Fargo Your request for information to support my claim ... ... .READ THE LAW SUITE !
Product: Debt collection

I am not familiar with this items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I MA DESPERATELY TRYING TO GET INTO A NEW HOME WITH ALL MY SAVINGS IN ESCROW AND MY LIFE IS UPSIDE DOWN BECAUSE OF YOUR COMPANIES MISTAKES. I AM A VICTIM OF IDENTITY THEFT. 

I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. The information is inaccurate and incomplete. AS THERE ARE DIFFERENT LISTED OPEN DATES AND ACCOUNT NUMBERS BETWEEN THE DIFFERENT BUREAUS. therefore I don't even know what this is. 

Acct number- XXXX OR XXXX with open dates listen from XX/XX/2018 to XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX on XXXX XXXX I noticed on my credit report some inquiries that I did not authorized the first one I see is XXXX XXXX XXXX XXXX The second one is XXXX XXXX XXXX XXXX and XXXX The third one is XXXX XXXX XXXX XXXX XXXX XXXX The third one is XXXX XXXX XXXX the fourth inquiry was credit plus on XXXX XXXX XXXX XXXX I would just like for the inquiries to be removed thanks.
Product: Debt collection

I have had this account removed over 3 times within the last year. XXXX keeps selling this account to different collection agencies. Once one remove it they sell it to another company. This is not my bill and I will not be paying it. I know its against the law to keep putting this on my reports then changing the dates that this account was open. They are reporting that this account was opened XX/XX/2018 and never paid. I have has XXXX XXXX for years and it can be proved.
Product: Payday loan, title loan, or personal loan

They are still requiring payment via XXXX I had started a new loan prior to knowing about the lawsuits and am on the line again for my Omni loan with unfair interest and paying by XXXX
Product: Credit reporting

On XXXX XXXX XXXX XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX at with a approved loan from my Bank, XXXX XXXX Bank in the amount amount of {$25000.00}. Approved on XXXX XXXX XXXX at XXXX XXXX. 
The vehicle I was interested in purchasing was a XXXX XXXX XXXX Transit for {$23000.00}. And I stated I only wanted to use XXXX XXXX for financing. 
Several months later I checked my credit report and was shocked and appalled to see Multiple Inquiries from XXXX XXXX XXXX. 
I am requesting the removal of the XXXX Unauthorized Inquiries listed below From all XXXX credit reporting agencies. 
I did not Consent to the XXXX Inquiries listed below. 
Thank you in advance. 

Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXXO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Information showing on my Consumer Report is incorrect, I do not have an account with these companies, XXXX XXXX XXXX and SELF Lending, they are sharing my unauthorized information to a Consumer Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ). 15 USC 1681 ( b ) - Permissible Purpose of Consumer Reports- Any Consumer Reporting Agencies my furnish information under the following circumstances and no other : ( 2 ) in accordance with written instruction of the consumer to whom it relates. I do not have accounts with these companies, nor did I give written consent for my information to be shared with Consumer Reporting Agencies. This is causing harm to my livelihood and damaging my credit worthiness This is a violation of my rights, I have a right to my privacy
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a closed account associated with XXXX XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under [ Your State ] law, I am requesting proper validation of this debt
Product: Mortgage

Cardinal Financial 's disclosures and difficulty to retrieve signed documents make it extremely difficult for me to understand my closing costs and expectations. I have complied with every request they made and have all submitted my documents the same day they asked for them. Since starting my refinance process it has been 70 days and there are weeks that go by without an update. But every 2 days they send me a request to sign a Closing Disclosure and they do not send me a copy of what I signed. I have 4 refinances with them, not just one. They have asked me to sign 15 or more Closing Disclosures per loan and have extended my clsoing date over 10 times due to no fault of my own and without explaining to me the reasons why, keeping me in the dark without setting expectations or explaining their reasoning. I have refinanced 5 homes recently with another lender and have closed in 25 days or less. I am very familiar with the process and I have all my files and documents organized and I have complied and turned every document in the same day they requested them. Their delays and inability to move smoothly and their lack of communication of where I am in the lending process has caused me servere anxiety and financial losses as I was told I should have my funds in 30 days or less. From the 4 loans 3 I own with no mortgages that I am doing a cashout ono and one i'm refinancing for a better rate. I am 40 days behind on the refinances. There is no reason for them to request for me to sign discloures twice a week if they don't have a set closing date. Their constant requests for CD signatures has caused a confusion in what I will be getting at closing as well as missed expectations & deadlines. Every time I send documents they request they take 7 or more days to respond back. I reached out to their consumer advocate customer service line and they were not helpful at all. They said they have my files and somoene will reach back out to me. I followed up with an email to inform them that no one has called and it has been 14 days with no response. What am I to do? Take my files to another lender and wait 30 days to close or have an expectation that I will be closing in 7 days then find out 7 days later that they need 7 more days then another 7 days and they tell me we are in underwriting then 7 more days later that they need one document then 7 days later and it's been like this non-stop. There has to be an end to this.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are reporting this company on my credit report as a collection, and I have no knowledge of them and have never been in agreement with them. This company is reporting that I opened an account with them in XXXX of 2024 which Is NOT true. Please remove this collection off my credit if you can not provide me a written agreement between me and XXXX XXXX XXXX XXXX XXXX. This account is harming my credit score and preventing me from making purchases and causing me to receive high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a invite from capitalone credit card company. Before I filled out, the invite stated it would not affect my credit report, nor my score. I went onto my credit report after I received a alert from XXXX XXXX. Capitalone credit had removed three points from my credit score and also a hard inquiry. This apparently was misinformed information. And I did not give approval to have my credit score or report checked with clear direction and explanation from Capitalone. Can you please remove this hard inquiry from my credit report and replace my 3 or more points to my score. I reached out to the company and they told me to contact the credit bureau. The credit bureau told me to contact CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

I visited XXXX dealership in XXXX on Saturday, XX/XX/year>. Salesman is XXXX XXXX. I specifically told him to only run my credit through XXXX XXXX XXXX. I get a notification that my credit was not only run through XXXX  XXXX, they also ran through XXXX XXXX XXXX and XXXX of XXXX. I called the dealership spoke to XXXX, he advised me the XXXX XXXX XXXX- The Finance Director, stated he wanted to see if XXXX would give a better rate. I did not ask them to do that! I specifically asked for one pull to XXXX XXXX ONLY. In a text exchange with XXXX, he then states there are 3 inquiries because 1. They needed to verify my identity. 2. They automatically run through XXXX XXXX. And if this the case, NO ONE came to me while waiting, to inform me of any of this or to get my approval. However, I know to verify identity XXXX  is used and my SSN is not required to do so, and running my credit through XXXX does not verify my identity. I also know it is not a requirement to run through a dealership financing. XX/XX/year> I went to the dealership to deal with this and XXXX was not there. These 2 inquiries that I DID NOT authorize them to do, need to be removed immediately. As of today XX/XX/year>, why would you close my complaint as a duplicate. I submitted to 3 departments of your business, someone needs to address and remove these UNAUTHORIZED inquiries. Your sales person and manager know they were in the wrong. Your company is represented as a WHOLE
Product: Debt collection

I co-signed for an employee to obtain housing near her employment ( XXXX XXXX XXXX, XXXX, XXXX  ). It was a 12 month lease beginning XX/XX/XXXX to XX/XX/XXXX. She failed to pay the final XXXX  months of her contract ( approx {$1800.00} per mo ). More than 18 months after she moved out, I started receiving calls from the apartments and ultimately from IQ International ( collections ) informing me that I owed {$13000.00}. I had asked for a WRITTEN document to be mailed to my home in mid XXXX as I had NEVER received notification that their tenant ( my former employee ) had missed payments nor did I ever receive written documentation on the fees, penalties, etc associated with her termination or eviction. The employee had been terminated from employment and I lost touch with her in late XXXX. IQ International sent me a single page collections invoice on XX/XX/XXXX... prior to that I had only received harassing calls and voice mails... .never received anything in writing. 
The invoice from IQ International dated XX/XX/XXXX had a statement of " How can you dispute the debt? '' One of the options was " If you write to us by XX/XX/XXXX we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' On XX/XX/XXXX I sent a XXXX Certified letter to IQ International asking them to send me details of the absurd amount they were trying to collect. They signed for the certified mail on XX/XX/XXXX, so I know they received it. On XX/XX/XXXX, I received multiple alerts from XXXX and other credit agencies that IQ International had submitted the collection account of {$13000.00} as defaulted. Despite the fact that their letter to me dated XX/XX/XXXX informed me that they must stop collections if I responded and disputed the claim before XX/XX/XXXX, they disregarded my dispute and my request for documentation and submitted a default to credit agencies. I have a certified letter with tracking and documentation from XXXX that the letter I sent to them was received XX/XX/XXXX ... ..2 solid weeks before the deadline. Despite my efforts in obtaining a detailed written record and submitting my dispute well within their timeline, they ignored my written request, never sent me any details and submitted the collections as a default which will hurt my credit tremendously.
Product: Credit card

Capital One has cheated me every time I've used their limited cash back as account credit promotions. The most recent event was for a purchase made XX/XX/XXXX from shopping partner XXXX XXXX. 
They also tried to get away with not honoring similar promotions on purchases ( XXXX XXXX  ) made XX/XX/XXXX and on XX/XX/XXXX with a purchase from XXXX XXXX XXXX  XXXX. 

It is clear to me that this pattern of cheating customers is repeatable and predictable to the point where I now take many many screen shots and mark a future date in my calendar to call them back ( after 3 statement cycles ) when the cash back does not post on my account.

Over the years the customer service reps. have become less helpful, telling me on several occasions that the merchant only allows certain items, or trying to fault me for not meeting the requirements, even when I can demonstrate with screen shots that I did everything properly.

Clearly the executives who design and implement this program are aware that is fraudulent and they have worked with others inside and outside the company to make sure that they only pay out to stubborn customers who refuse to give up. In the latest experience the supervisor did not even bother to apologize. I am expected to write and print a letter, put it in an envelope and pay for postage to send my complaint to Corporate, where I can expect ( at most ) a form-letter reply at some distant future date. Here are my notes : XX/XX/XXXX cheat me phone notes phone call start : XXXX phone call end : XXXX XX/XX/XXXX 11 % cash back as statement credit offer After 20 minutes XXXX ID XXXX XXXX tells me I will be receiving a $??.?? credit in 7 to 19 business days on my account. 

XXXX transferred me to the wrong dept. before I got this XXXX who did not understand what a dashboard is, until he read me another long paragraph which used the word dashboard. 

Every time I use one of these 10 % cash back offers they cheat me. Holding now to speak with supervisor. XXXX can not issue a credit to me for frustration. I ask her for the corporate address to pursue this further. It is Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Include the last 4 digits of my credit card in body of letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to report two credit card accounts, XXXX XXXX and XXXX. When I log into myEquifax online, these accounts are non existent thus no credit score is showing. When I speak with Equifax they claim they are showing the accounts on their side and when they send me a copy of my credit report, the accounts are showing. My credit report via online should be showing these accounts as well as my credit score. I also can not see my Equifax credit report thru XXXX  's online credit reporting service as well as XXXX XXXX 's online credit report service. To date, I do not know my Equifax credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the unauthorized disclosure of my personal and financial information as a student loan borrower. Recent reports indicate that the U.S. Department of Education improperly shared the personal data of approximately XXXX XXXX borrowers with the Department of Government Efficiency ( DOGE ), led by XXXX XXXX. This action constitutes a serious violation of the Family Educational Rights and Privacy Act ( FERPA ), which guarantees the confidentiality of student records.

As a borrower whose personal and financial information has been compromised without my consent, I am deeply concerned about the potential consequences of this breach, including identity theft, financial fraud, and unauthorized access to my federal student loan data. This breach represents a clear failure to protect my sensitive information, violating both federal privacy laws and the Department of Educations responsibility to safeguard borrower data.

Given the severity of this breach and the risks it poses to my financial security, I formally request the following actions be taken immediately : 1. Full Discharge of My Student Loan Debt Due to the Department of Educations negligence in protecting my data, I request that my federal student loans be canceled in full, as my information has been mishandled in direct violation of FER
PA.

2. Confirmation of Data Misuse I request full disclosure of whether my personal information was included in this breach and to what extent it has been accessed or used improperly.

3. Corrective Measures I seek information on what steps are being taken to prevent further unauthorized access and how the Department of Education plans to rectify this violation.

I expect a prompt and thorough response to this complaint. If necessary, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action to protect my rights as a borrower. 

Please acknowledge receipt of this complaint and provide me with a written response outlining the steps that will be taken to address this matter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) 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: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}