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

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX  XXXX XXXX  - XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 XXXXXXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/2019 the previous mortgage lender transferred the mortgage to NewRez to be serviced by Shellpoint. Initially, the first electronic payment was rejected. I called Shellpoint and spoke with someone, they apologized for their error and suggested I resubmit. I did so, first with a test amount, then with the payment amount, and neither were rejected. Unfortunately, the account number on the service for the electronic payment had an incorrect digit in the number. At no time did that come up in the phone conversation or the corresponding email conversation. I continued to make payments and they were not returned. The taxes and insurance were being paid by the mortgage company. Several months later I started receiving mail that I was behind and in danger of foreclosure, but may payments continued to be accepted. I realized the error in the account number and let them know. They didn't fix anything and transferred the mortgage to another company. I have since gotten confirmation from the credit union regarding the payments and sent the information to both Shellpoint and XXXX XXXX. Nothing has been fixed and the only correspondence I have had with XXXX is some letters that say they received my correspondence and a monthly statement requesting $ XXXX that increases by {$1000.00} every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX ( 3 ), XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XX/XX/XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1600.00} XX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically I asked the credit report bureau ( Experian ) to do verification on my credit report, they did and they stated that everything Is accurate. 
I did another research by myself, and I found improper and inaccuracy on my credit report. 
Here is the information on inaccurate account that shows only on my Experian report and not even the other two bureau ( XXXX and XXXX ) report that. 

Even it does not show the full account number in the report, and it just shows as account # XXXX XXXX XXXX credit card XXXX In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 640 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

i am requesting to delete the account please.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have hard inquiry pulls on all 3 of my credit reports, the hard inquiries were not authorized. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX-Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXInquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX
Product: Debt collection

Company had called multiple times a day, XXXX at XXXX, XXXX etc with an auto dialed and restricted number. Then stopped and called manually 7 times or more a day.
Product: Credit card or prepaid card

I WAS CHARGED FOR SEVERAL CHARGES ON MY DISCOVER CARD WHICH I REPORTED BACK WHEN THEY WERE ON MY STATEMENTS AND THE CREDIT CARD COMPANY DID NOTHING FOR ME TO RESOLVE THIS MATTER. I WILL LIST THE CHARGES ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER DID BUSINESS WITH THESE COMPANIES AND NEVER AUTHORIZED ANY OF THESES TRANSACTIONS. PLEASE HELP ME GET MY MONEY BACK
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Vehicle loan or lease

I recently moved to Florida and was told by Toyota Financial services that to purchase my leased vehicle I would need to complete the transaction with a dealership. I visited XXXX XXXX in XXXX, FL and was told that I would need to pay a vehicle inspection fee of {$200.00} and a dealer fee of {$1000.00} plus tax, tags, and title in addition to whatever my lease buyout with Toyota Financial Services is. I was also told that I can not use my own financial company for the payoff. None of these fees are mentioned in my lease agreement with Toyota Financial Services.
Product: Mortgage

After Hurricane lan hit XXXX Florida on XX/XX/XXXX XXXX changed our flood zone ( on XX/XX/XXXX ) to a " Special Flood Hazard Area- XXXX XXXX '' which according to FEMA means we ARE NOT REQUIRED to have flood insurance, because according to FEMA this is a MODERATE to LOW risk area.We have a freshwater canal behind our house that is designated as ZONE XXXX, and when FEMA drew the lines separating Zones, part of our pool cage fell in Zone AE. We have a complaint in with FEMA regarding this. Synovus holds an equity line of credit for us with a XXXX dollar balance.Our primary mortgage company has not forced flood insurance on us, but XXXX did.On XX/XX/XXXX we received a notice from Synovus stating that we had 45 days to acquire flood insurance for our property.We complied with this request and secured flood insurance within the 45 day requirement.This is where my complaint comes in. On XX/XX/XXXX we received a notice from Synovus stating that they received our flood insurance policy and NOW Synovus was going to back charge us for flood insurance they SUPPOSEDLY purchased for our property without our consent and without notifying us and now they are back charging us {$800.00} for what they called a " lapse in coverage '' dating back to XX/XX/XXXX when FEMA changed flood zones.This is outrageous. Synovus then charged our home equity line of credit for the {$800.00}. We have been in contact with XXXX XXXX ( XXXXXXXX XXXX XXXX Manager of Synovus Bank ) who has not been very helpful in resolving this matter. My question is, If Synovus knew about the change in flood zones and were requesting flood insurance on our home starting XX/XX/XXXX, then why didn't they contact us in XXXX to require flood insurance? Instead they claim they purchased a high premium flood insurance policy on our home without notifying us at the time and then decided to back charge us for the time we were unaware our home flood zone was changed unbeknownst to us We contacted our cities flood plane manager and he told us " It looks like the XXXX flood line clips your pool cage, which shouldn't put your structure in a flood zone as the pool foundation is separate from the residence foundation XXXX XXXX He also stated that, " lenders are frankly lazy into looking into this, and that FEMA 's designation is that " For floodplain management purposes, a structure is a walled and roofed building, including a gas or liquid storage tank, that is principally above ground, as well as a manufactured home. The terms " structure '' and " building '' are interchangeable in the National Flood Insurance Program ( NIP ) and therefore a pool cage is not a structure, ergo, if the cage is in a flood zone it is irrelevant. ''
Product: Money transfer, virtual currency, or money service

XX/XX/22 XXXX $ XX/XX/XXXX I was scammed out of XXXX XXXX I filed a claim, Wells fargo & XXXX both failed to conduct an actual investigation and my money was never returned to my account. XXXX XX/XX/XXXX I was scammed again for XXXX $ from a merchant that I use often but this time around they did not deliver what I paid for. I filed a police report because of the lack of trust I have with wells fargo and XXXX to conduct an investigation to retrieve my funds. XXXX. I want my XXXX $ back or I will escalade this matter. If nothing is done I will be seeking legal help to get my money back rather its through the courts or XXXX arbitration. I work too hard for my money not to have it returned back to me.
Product: Mortgage

Nationstar mortgage/Mr Cooper withdrew {$9200.00} from my checking account without authorization. My bank ( XXXX  ) blames Mr Cooper and Mr Cooper blames XXXX. I have no money in my checking account now with no resolution in sight!
Product: Checking or savings account

We submitted multiple checks for escrow and scanned the front of the checks ( front only ) and emailed them to the contractor as proof of delivery. The contractor was fired from the project after delivery of the checks to escrow. The checks were written on XX/XX/XXXX and cleared our account on XX/XX/XXXX. I called our attorney to confirm he still had the original checks in his possession, which he did, still held in escrow The contractor printed the PDF 's that were emailed to him, cut the paper into check size and endorsed the back, which as a blank sheet of paper and proceeded to mobile deposit them into his Bank of America account. You can clearly see in the attached documents that the checks were printed on a printer, cut into size and the back is blank because it was a sheet of paper and not an actual check. We notified our relationship manager at Regions bank on XX/XX/XXXX regarding the fraudulent checks, she agreed they were fraudulent and informed me we had 60 days to file a complaint. The checks were on our XX/XX/XXXX statement so we were within the time constraints. Our relationship manager incorrectly filled out the claim so Regions internally rejected the claim twice in 4 months without ever sending the claim to XXXX  XXXX XXXX. When Regions finally sent the claim to XXXX  XXXX XXXX, at our request, XXXX XXXX XXXX paid 2 of the 7 fraudulent checks but the contractor had drained his account of money so the other checks didn't get paid. I've attached copies of the checks and a response from Regions regarding the claim. 

Regions still does not fully understand that the images that were mobile deposited are not of the actual check, they were photos of an image printed on a printer with no actual back of the check.
Product: Credit reporting or other personal consumer reports

Account XXXX has previously been deleted from my credit report due to inaccuracy and now it has reappeared on my credit credit which is affecting my life financially. Both experian and XXXX has different information about the same account.
Product: Mortgage

I am in the process of going through a short sale with US Bank Mortgage. I have an offer on the house but US Bank refused to acknowledge the offer. US Bank is asking for {$190000.00} but my house did not appraise nearly that amount. My realtor continues to request US Bank to decrease and accept the appraised amount, but they are in the process of denying it. The homes in my area are not appraising for that amount. I do not want to lose this buyer and I tried to do everything I could to share with them what's going on. I have a HUD partial claim on my loan which brings my total to XXXX. I only paid XXXX for my home. 

Please contact me as soon as possible.
Product: Credit reporting or other personal consumer reports

On XXXX i sent XXXX a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any XXXX party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Product: Debt collection

I have tried several times to let the three credit bureaus and creditors know that I am permanantly XXXX and collect XXXX benefits to live on. All three credit bureaus and creditors have gotten together to damage me and my credit. The credit bureaus and creditors refuse to remove the collection accounts from my credit reports. Causing me to have bad credit. I even got a call from a debt collectors from XXXX XXXX saying that I could be arrested if I didn't pay off the debt. But they never sent me court papers. I dont want to go to jail for money I dont have. I just want all of this to stop. I dont have the money and I want it removed from my credit reports.
Product: Credit card or prepaid card

XX/XX/23 Dear CFPB, I am writing you because capital one credit card company has the audacity to tell me if I can use my dollar via debit card from my bank checking account or my checking account to pay my bill. I contacted them I get some help and the woman who answered didnt know anything but to put me on hold for over 20 minutes. I dont like contacting the company when they dont understand plain XXXX  .. especially if thats what Ive spoken all my life. Capital One has audacity to tell me how to use my dollar bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

How is transunion able to verify an account as accurate when XXXX could not verify and deleted the account? This is a violation of the FCRA. Please see attached exhibit as evidence.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw l had some accounts that wasnt mine am a victim of identity theft. XXXXXXXX XXXX XXXX account number XXXXl never heard of this company or ever had an account with XXXX  please delete this account immediately. I sent them a letter on XXXX
Product: Mortgage

Covid, We were paying on time until the pandemic. I could not pay due to no income. I am a real estate agent. I requested a forbearance and they agreed to let me miss payments. 
Once I was able to resume payments, they refused payment. I requested a forbearance as advertised on all news channels and they said no because " I refused and or told their agent I did not want a forbearance ''. This is not true I never said that I didn't want a forbearance. They said " it is in their notes of when I spoke with an agent ''. There must be a misunderstanding. I never said I didn't want a forbearance. 

I want the forbearance and I can pay monthly. They requested modification documents then said I didn't qualify for a modification. 

Please listen to the recording, I never said I refused to any type of help. If it in their notes they must have the date and time I allegedly refused the forbearance. 

I want to keep my home and only missed payments due to the pandemic. Please have them submit a copy of the recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete an inaccurate account from my credit report. They have fraudulently verified the account as accurate with XXXX. I immediately called XXXX and shared this information, and XXXX said that was not possible for them to verify this bankruptcy with them because there are no bankruptcies reporting on my file. The date of this incident was XX/XX/2021, first dispute in question. I called Experian and immediately opened another dispute into this bankruptcy. Ultimately, Experian emailed me again yesterday XXXX XX/XX/2021 ) saying that this account has been verified by XXXX. I am pretty sure that XXXX isn't the culprit here, since all the other credit reporting agencies have properly updated my reports. I just wanted it to be on record that Experian is still fraudulently saying that they have verified this account with XXXX. I will seek legal counsel in this matter since the CFPB has no enforcement arm to make sure that Experian abides by the FCRA and the laws. It has been nearly 60 days since I disputed this bankruptcy in XXXX and Experian has been viciously fighting to keep this inaccurate account on my credit report. More importantly, Experian is not conducting a proper investigation into the matter. If they did, this matter would have been resolved with my XXXX dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several medical bills showing on my credit report and I turned in my XXXX XXXX number to all companies. It's still showing on my report. Can you help? Thank You XXXX XXXX XXXX.
Product: Debt collection

On XXXX I received a letter from I.Q. Data XXXX XXXX XXXX stating that I owed a balance of {$6100.00} for XXXX located in XXXX, Texas. I called the collection company asking how I was charged for the debt. They did not provide the information. I then spoke with XXXX XXXX asking for this information and they never provided it. I emailed XXXX XXXX on XXXX asking how this was put on my credit and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, ht Experian credit report number XXXX Please help! 

Thank you.
Product: Debt collection

I do not know why they are calling. My complaint is for Caller ID spoofing. This company has repeatedly called from spoofed phone numbers that appear local to me. 

These are a few of the calls, but they've been calling me for a while. If a more thorough call log is needed, I can provide that XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I wanted to make pay off arrangements in XX/XX/2022, could not login to account. 

Emailed to get assistance, no reply. 

Whenever I call contact # XXXX - Line is ALWAYS busy Links to email from site do not work, and there is no response to email : XXXX I even sent a request to stop Auto Drafts from my account, but have not heard from company. 

I did get a notification that my payment was due this week. I am unable to speak or communicate with the company, and feel I am being scammed out of Bi-weekly XXXX payments. This payment does not pay down the loan at all and is a cycle of payments that will never pay off the loan, and can not make arrangements due to company being non responsive.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX