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

Dear Consumer Finance, over the last nearly 6 months I have been going through an incredibly cumberson identity theft case and followed the program set forth by the FTC. 

I'm not really even sure this is the correct government agencies to address the issues listed below. After countless days, hours, weeks trying to correct the problems caused by the identity theft and dealing with all the credit agencies from the FTC process XXXX, TRANSUNION AND XXXX, I was able to finally get some issues resolved. However, and I am sure this will be a major surprise to many people in the same situation, after my credit scores had improved some and I was able to attempt to apply for credit as I am on XXXX and not having the ability to receive credit can literally be a life or death issue. Most recently, I have been declined credit for reasons that were not on my credit reports or for reasons and sources that I never heard of and were not listed on any FTC suggestions. Therefore, in an attempt to again try to manage through this bureaucratic nightmare, I began to research the sources providing inaccurate, fraudulent information to the so I could correct the information. My research of the sources mentioned in my declination letters from potential lenders were actually companies owned BY THE CREDIT BUREAUS! 
Myself and I am sure millions of people will be shocked to see this. How is anyone supposed to ever overcome and identity theft case laid out by the FTC when the actual information is being furnished by a subset of credit agencies owned by XXXX  AND XXXX AND TRANSUNION. Most recently I was denied a loan on the basis of information received by XXXX XXXX, which is owned by TRANSUNION and from information provided by XXXX, which is owned by XXXX. What is even more dishonest and fraudulent is that the information cited IS NOT on my credit reports that I have access too. I sincerely hope that Consumer Finance can assist me in correcting this problem and I have already contacted my attorney for guidance on what is clearly an unjust, corrupt and literally life altering issue. As a victim of the credit bureaus own mistakes i.e. hacking of information, as millions of other people have been, how can anyone ever overcome problems that they did not create when the companies holding the very life of people in their hands  be permitted to blatantly misrepresent themselves, start " shell '' companies and provide inaccurate information that a consumer doesn't even fined out about until a credit inquiry cites information from companies that most people have never heard of. I will close my complaint with this, not only did the source of the information present a red flag to me but strangely the wording in the citations was verbatim the statements received previously by the credit agencies that I thought I was supposed to be dealing with ... ..whose overseeing who? I actually thought these 6 month ordeal and the FCRA act would actually help someone victimized by identity theft, some caused by the credit agencies themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Mortgage

I took out a home equity line of credit with Figure Lending in XX/XX/XXXXXXXX  and made several draws against my available balance in the months following at a 4.75 % interest rate. I was not planning to make any further draws from my HELOC, but in XX/XX/XXXX I received a solicitation from Figure Lending asking me if I would like to withdraw an additional {$34000.00}. I decided to do so after extensive discussions with several customer service reps, who all assured me that I would be able to pay back this additional draw quickly according to their policy for crediting incoming principal payments first against the draw with the highest interest rate. 

That was important since their interest rate for this new draw was going to be 10 %. Had I not been given this information, I never would have agreed to make the draw. 

I have summarized my experience with Figure and how they handled my draw and payback in my complaint with the XXXX XXXX XXXX on XX/XX/XXXX ( XXXX XXXX XXXX ). It was at this time when I contacted the XXXX for help that I learned Figure had many other unresolved complaints, resulting in a B minus rating with the XXXX  ( XXXX XXXX XXXX ). 

Amazingly, when Figure responded to my XXXX  complaint by stating their policy, they confirmed my understanding of how their crediting of principal payback amounts was supposed to work ( XXXX XXXX XXXX  ). However, as you can see from my monthly statements, they have never followed this policy. 

If you look at my attachment 4, which shows my monthly statements from XX/XX/XXXX through XX/XX/XXXX, you can see the principal amounts I paid each month. I made a total of 8 monthly loan payments to my account, which add up to a total principal amount paid over this time period of {$8500.00}. 

Had these principal payments been applied correctly to reduce my draw # XXXX with the highest interest rate of {$34000.00} I would now show an outstanding balance for that draw of {$25000.00}. However, as you can see from my XX/XX/XXXX HELOC summary page ( XXXX XXXX ) the balance of that draw has only been reduced down to {$31000.00}. 

This results in my being charged much more interest than I should be and for a longer period of time. And it enables Figure to keep charging me their highest interest rate of 10 % for the remaining duration of my HELOC, which does not expire for seven more years. 

I have tried to reach a member of Figures management team, XXXX XXXX XXXX, the Director of Customer Care, to resolve this but my calls were never returned.
Product: Debt collection

On XX/XX/year>, XXXX XXXX  sold debt without permission, to Plaza ServicesXXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX in the amount of {$2500.00}. I was contacted by a male from number XXXX XXXX XXXX claiming that XXXX  XXXX sent validation of debt when I have received no mail reguarding debt. He further went into the conversation in an aggressive manner threatening to take me to court in XXXX  days if I did not pay. I asked numerous times for a validation of debt to be sent out and I was denied. My consumer rights are being violated ( Fair Debt Collection Practices Act ( FDCPA ), which is codified in Title 15, Section 1692 of the United States Code ( U.S.C. ). Also Section 1692d of the FDCPA prohibits debt collectors from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. This includes : Using obscene or profane language. 
Making threats of violence or harm. 
Using derogatory or insulting remarks. 
Using repetitive or continuous phone calls intended to annoy, abuse, or harass.
Product: Credit card or prepaid card

I have a credit card through Wells Fargo that I had reported for fraudulent activity. The card was closed and another account was open ( as expected. ) However, I was never notified of the new account and it did not appear on my Wells Fargo account, thereby removing the option of paying my card through my Wells Fargo account. This is a direct violation of their written contract which states, " pay in mail or through your Wells Fargo account. '' I did not receive any mail notices until late XXXX, when my account had already been closed due to missed payments, which I again, were never notified about. I literally found out the account was closed due to my credit score dropping dramatically. I need help, as one man, to fight this giant, too big to fail corporation. I just want to repair my credit score, I will pay the principle and interest payments I have accrued. This is what I agreed to and I will abide by what I agreed to, unlike Wells Fargo.
Product: Checking or savings account

Capital one has been having a third party error that doesnt allow them access to direct deposits, transactions, withdrawals or transfers. 
I have been affected by this. I usually get my direct depot by Wednesday afternoon, I didnt receive it and accepted it since thats a benefit front he bank. They sent an email Thursday at XXXX EST advising it will be resolved by Friday morning. It is officially Friday night and still havent received my paycheck. They said they will work through the weekend but Monday is a holiday which means I wont receive my funds until Tuesday. 
My bills are declining. My bills are going to collections.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : 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 have disputed a fraudulent account with Experian and XXXX XXXX several times. Each time, the dispute results in the account being removed from my credit report. Soon after, the account returns to my credit report, further damaging my credit score. I have spoken with agents and have been told the account was " never removed '' despite having considerable evidence that this account has been deleted each time. 

Since said account has been reported as fraud, I am not responsible for the unauthorized charges and continue to be held responsible. This is evident in my continuously plummeting credit score. 

Not only is re-adding this account to my report wrong, but according to the Fair Reporting Credit Act, I should have been notified within three days each time this was added back onto my report and I was not notified a single time.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXInquiry DateXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX XXXX XXXX bankruptcies were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXXXXXX XXXX aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act
Product: Credit card or prepaid card

I still dont know why it happened. I got a text from skylight, which i have had for 3 years from my job for direct deposit, because I didn't have a bank, so I just kept the card. Saying i needed to call them. I called they said there was fraudulent activity on my account and they closed it out. Ask me which way I wanted my money that was in the account, my whole life savings, no other way to get money. They just keeped saying fraud department did it. No one could tell me why. They tried to send me my money twice thru XXXX XXXX but because they had the reason for the transfer marked as Freud on my account, XXXX XXXX marked my pick up as freud. Now i have to 10 days for all my money I have no access to any other funds. Plus my paycheck is now going to try to go into the account and hopefully be returned to my job, which even then they have to do the same thing and issue me a check which will take 15 days. They said I wasn't eligible for another account.

The only thing I can think about is a purchase I made on XXXX  that I refused the package. The other party didn't expect returns, but it wasn't a return, i didn't even open the package. Then they were trying to charge me for them to ship it back to me. I disputed with skylight, they gave me my money, the tracking number showed they got the package back. Then they took the money back out of my account without sending my package back. Now I have no item and out {$35.00} with no way to do anything because my account is closed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
CARHOP XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 

Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 

As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 

Furthermore, I request that you investigate the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 

I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When i try and get my report from Transunion it says I am blocked. I can see very little on XXXX XXXX, but I should be able to get into Transunion like everyone else.
Product: Credit card

I experienced a lack of income due to leaving a XXXX  XXXX incident. I received my taxes on XXXX  and immediately contacted the creditor to resolve XXXX credit accounts. I paid the charges plus interest but couldn't afford the late fees assessed. They refused to cooperate or negotiate an affordable solution and continued to charge late fees and assess interest. 

I have reached out several times and given many different options within my budget and they continue to refuse to work towards a permanent resolution. I never missed a payment prior to being left with no income and a XXXX XXXX child to take care of. 

If they do not remove this from my report I will dispute the payments and take 100 % of the funds back paid on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and upon that realized i had damages specifically the ones listed below from each credit company, these are damages on my report and according to the 15 u.s.c 1618, I should not have any unauthorized damages on my report, below states each one that is on my credit report. 

TRANSUNION : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Checking or savings account

I have been denied the right to open an account with XXXX  XXXX an investment service owned and operated by Ally Bank. The reason given is because the suffix " XXXX '' does not appear on my social security card. I have produced my bank statement, my driver 's license, my birth certificate and passport all of which contain the suffix " XXXX ''. I was asked to produce my social security card which does not contain the suffix " XXXX '' and was denied the right to complete the account opening process. The process applied against this applicant is arbitrary and capricious as well and a pretext for racial discrimination.
Product: Credit card

I opened a new credit card with Wells Fargo Bank XX/XX/year>. One of the main reasons is they advertise 0 % interest, 21 months, for any balances transferred within 120 days. This is clearly stated on the first page of the when you recive the credit card in the mail. What is not clearly state on the first page is a transfer fee of 5 %. That is found on page 5 near the bottom of the page. Once I made the transfer I received a charge for the fee of {$580.00} which really negates the 0 % interst offer. 

I called immediately and explained I was only closing the old Visa account but could have just left the balance their paid the balance. I paid the balance same day minus the fee and asked that they reverse the fee of {$580.00} which they have refused. Even if I closed the account they are saying I am liable for the fee. 

This should have been cleared advertised with the rest of the information and not buried with addition requirements on a sparate page.
Product: Vehicle loan or lease

Purchased a new vehicle and wanted to pay cash. The dealer pressured to finance XXXX. I did but stepulated only for two years. After over 2 years called for balance. Turns out the financed it at their own discreation and chose 6 years at a very high rate. And added several protection criteria. Like loan protection, loan assurance and others increasing the loans amount. Please let me know what is going on. I am a XXXX XXXX XXXX VeterAn with a fixed income. 
XXXX XXXX XXXX. 
Very worried I can be reached at XXXX XXXX Thank You. I appreciate your responce
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/member has no noticeable way to quit the service or stop receiving emails. No FIND on the site. No 'unsubscribe ' on the emails. The only contact info they give is Phone or Mail.