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

To : Capital One My name is XXXX XXXX and Im contacting you because your company placed an unauthorized inquiry on my credit report on XX/XX/year>. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

I have filed a dispute in regards to the incorrect items on my credit report. 
It has been well over 30 days and i still haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and so a number of credit inquiries that I had not authorized and should be removed immediately.
Product: Debt collection

This woman is Caller ID Spoofing my husband 's cell phone number so I think it is him calling. When I answer she wants me to pay a debt that does not belong to me. She says my husband 's company owes it. I do not know how she even got my number as I am not associated with his company. She has stalked my XXXX page, threatened to sue me, called relentlessly and I have asked her not to call. It 's not my debt. She says she is going to call me every single day until someone takes care of it. She even told me to go steal the checkbook and write them a check!!! I find this pushing collection a little too far!!!
Product: Vehicle loan or lease

Every time I send in extra money towards my car loan principal the bank ( Associated ) instead adds the extra payment to the loan into the future not the principal despite me insisting the extra payment goes towards principal only. I am up to date and on time with my regular monthly payments which includes the interest otherwise Can you help? 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Student Loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was denied an extension of credit and was provided information that sagestream was the responsible party for the denial. I then proceeded to file a claim against them with the Consumer Financial Protection Bureau. I never gave them consent to contact me, I never gave them consent to use my information, and I never contracted with them. They, also being lexus nexus, stated in a letter they sent me just recently, without my consent to do so, that they could not verify my information because the context of what I was asking for was not in their database and that I did not give enough information for them to work with. They then proceeded to ask for all my information. I will not be providing them with anything seeing as how I never contracted with them, yet they sem to have enough information about me to be worthy to deny me an extension of credit. How can they contact me stating they don't have my information? XXXX  .how did they get my address? How can they being a determining factor in an extension of credit if they admit they don't have my information?
Product: Debt collection

THIS WILL BE MY LAST ATTEMPT TO HAVE THIS DEBT VERIFIED. IF THIS DEBT IS NOT VERIFIED, I WILL BE CONTACTING MY ATTORNEY. 

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I keep a freeze on all of my credit reports. I was attempting to remove the freeze on my Transunion report for 2 days to apply for a new credit card. When I signed in on their site with my credentials and clicked on remove freeze, I kept getting an error message " Sorry, we're having trouble showing the status of your credit freeze right now '' I called the number provided and was told there was an issue with my specific file and it was not a known issue. They would not give me any further information and left me on hold 3 days in a row.

I can not refinance my mortgage or apply for any credit which is creating an issue!
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX Trans Union LLC, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX To Whom It May Concern : I have done three mail requests for my Trans Union Credit Report. Would your office be kind enough to mail me a copy? I did receive my free annual credit report from XXXX XXXX XXXX, but I never received my Trans Union report. It would be greatly appreciated. 

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, XXXX and Trans Union collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX XXXX XXXX LICENSE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

Claims made in your affidavit, if not rebutted, emerge as the truth of the matter. XXXX XXXX : He who does not deny, admits. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE XXXX. XXXX See Attached Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ending in XXXX from XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I've received no reply, nor have I been provided with adequate validation. I request your assistance in addressing this matter swiftly and effectively.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On a consistent basis Truist continues to take money out of my account in multiple fees per day. I look at my account all day and my account is always 90 per cent of the time in the positive before I go to sleep. When I wake they have stolen hundreds. In XXXX alone I have 25 or more fees. I gave the cash app transactions to show XXXX deposit all money the moment it is overdrawn. I also have the time frame resulting in no reason for the fees. Given the current banking situation I dont keep a lot of cash in the bank sitting but I can always transfer with the touch of a button. Like I say. I have the time of transfer. When night comes they go in and I dont care if I transferred my money at XXXX am. They still give me a fee. Something is not right if one person has 20 or 30 fees a month. Someone is stealing and its not me. I think I am a target. I am crying and broke and not working! They should be ashamed. I am suing them. I have my cash app statements with the times of the deposit. Any one can look and see this is theft. If I was so overdrawn and all the fees are legitimate then how am I staying out of overdraft? How could I pay the amount and the fees? Because I have pawned everything I gave to give to the thieves. I need help asap!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XX/XX/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 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
Product: Mortgage

I bought a house in XXXX from United Wholesale Mortgage. In XXXX, there was an escrow shortage, but that shortage has been completely paid off. In fact, for XXXX, there is an escrow surplus. I have asked them several times for a new escrow analysis. They supposedly did a new analysis last month, BUT IT WAS THE EXACT SAME ANALYSIS THAT THEY DID IN XXXX EVEN DOWN TO THE DATE, THE SHORTAGE AMOUNT, EVERYTHING WAS THE SAME. Now, I am almost paying over XXXX extra a month, and I have zero idea where the money is going. FRAUD!!!! Why can they not just do a new escrow analysis? My loan number ends in XXXX. If the UWM tells you that they did a new escrow analysis for XXXX, they are lying. Just because they sent me a new document in XXXX, the XXXX escrow analysis, does not mean it is a new analysis.
Product: Debt collection

In XXXX, XXXX XXXX filed a claim or judgement against me for a debt that was very old. In XXXX I found out about the debt. During that year they also started garnishing my wages without notifying me. The amount I owed was a little over {$6800.00}. I've tried on multiple occasions to reach out to the debt collector to resolve the case but no one ever gets back in touch with me, they never follow up with a letter or email. They completely ghost me. This past Friday, XX/XX/XXXX, they levied my bank account and took over $ XXXX dollars. Since the beginning of this process, they've added on fees and I don't even really know how much money they've actually received because I can't get anyone to follow up with me. I feel like I've been taken advantage of and I don't know what to do.
Product: Debt collection

In 2016 my car was repossessed by Hyundai and sold for more than it was worth. They sent a check for the surplus amount. Months later Hyundai sent my account to collections for the amount of {$9100.00}. When they tried to collect the debt, they told me that it was for the repossession, storage and admin fees. However, when they report the debt, it was included in my original loan amount. Making it seem like I didnt pay {$9100.00} of my original car loan. I have asked Hyundai finance to send me the paperwork for the car sale and they have refused to do so. I have tried multiple times to remove this from my credit report and the bureaus will not remove it. This unfair collection has made it hard to do anything financially and they refuse to remove this debt from my credit report. They are continuously reporting the debt which is manipulating the date for it to fall of my credit report.
Product: Mortgage

I was shopping around for a refi and was going to use Amerisave. They quoted me a rate I agreed and paid them a XXXX dollar application fee. They closed and denied the application a few weeks later because I hadn't turned in any paperwork. They did nothing besides quote me a rate and take a application fee before closing the file because I was to slow for them. No appraisal was given or scheduled. They collected no documents and I feel like they took my XXXX dollars and ran. I am not sure if I can make a complaint or not but I thought it would be worth a try since they wont answer my calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX posting XXXX has not stop reporting XXXX XXXX XXXX XXXX and XXXX XXXX  .multiple times and fraudulently stating XXXX the status statement that accounts were removed when the accounts are still on my credit report for XXXX XXXX is posting that the above accounts are removed But they are not. 
Secondly. XXXX XXXX XXXX has removed current and in good standing account XXXX XXXX I never said remove that good standing account.XXXX XXXX system is missing up my credit status and score XXXX.
Product: Money transfer, virtual currency, or money service

I received a NOTICE OF ACCOUNT CLOSURE on my coinbase account on XX/XX/XXXX this year and can't use my account. I already made multiple support tickets asking them the reasoning behind why my account got closed but they refuse to give me an answer. I've been using their services for 4 years and felt like how they have been so unfair to me as a consumer. It has affected me negatively and also has affected my small business.
Product: Mortgage

XXXX XXXX XXXX has apparently been hit by a ransomware cyber attack. My mortgage servicer ( Lakeview Loan Services ) has been offline since XX/XX/XXXX. Their websites are down and they do not pickup the phone, the website gives a XXXX and the phone says 'agents are unable to access your mortgage records at this time '. I filed a complaint with the XXXX  yesterday, and got a response from the company. I followed up in email but have not heard back and am deeply concerned about my responsibilities related to my mortgage. Lakeview has provided no estimation for resolution, and no instructions on what to do. Presumably they would have had a cyber-attack business continuity and communications plan in place, but there is no evidence they are prepared for this event. Please let me know what I need to do in order to be responsible for my mortgage when they are unable to process or receive payments. Below is the only message I have received. What should I do? Thank you. 

XXXX XXXX : XXXX Customer : <redacted> We regret to hear of your experience, as we have received your XXXX  complaint through the portal. We do apologize for any inconvenience you XXXX have experienced. As information, Lakeview Loan Servicing , LLC owns the master servicing rights to your loan. Lakeview utilizes various subservicers for the day-to-day servicing of our mortgage loans. 

XXXX XXXX XXXX, the parent of XXXX, the subservicer on behalf of Lakeview, recently experienced a security incident impacting their related systems. Immediate steps were taken to protect customer data by locking down access to account information. As a result, the mortgage servicing systems have been unavailable since the issue was identified on XX/XX/XXXX. Efforts are underway to restore system access as quickly as possible, while protecting customer data remains a priority. XXXX has been unable to process monthly payments, or payoff statements because of the situation ; however, phone lines are open to assist customers with concerns. Updates will be provided as systems become available. 


Thank you. We appreciate your partnership. 

Lakeview Loan Servicing XXXXssue Resolution Unit Should you need to contact us directly, our team email address is as follows : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello all, please see supporting correspondence for my complaint.