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

Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly 100 points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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: Debt collection

After reviewing my credit report i have noted some discrepancy Caine & Weiner INC Account Number XXXX XXXX  validation was requested and none was provided. I have not received any correspondence from them only harassing calls.This is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I recieved a inquiry from Syncb/Lowe 's XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.
Product: Debt collection

I applied for a credit Card with XXXX XXXX and was approved. I took full accountability for any late payments. I got behind on the payments because I lost my job during the XXXX disaster. Once I found a job I called XXXX XXXX. which is a collection agency for XXXX XXXX XXXX. I settled the debt with them on XX/XX/2023 I noticed on the receipt the amount I settled the account with was stated on the receipt. I Called XXXX XXXX and ask could they please delete this account from my credit report because I'm trying to obtain a mortgage. Quick answer was no I said ok thank you. I've Called/ Dispute and written a good will letter to all 3 Credit Bureaus and explained why this is important to me. In 42 years I've never spoken to XXXX very rude and unprofessional Customer Service reps. It doesn't make sense to make another human being suffer because of financial struggles, and trying to better themselves. Thank you Respectfully XXXX XXXX
Product: Debt collection

I requested my transaction statement, after sending a payment for my escrow because my mortgage balance had not changed after the payment. In fact, my mortgage has not changed since I purchased my home in 2008. Where is my funds and where has my past payments been applied to? I have a conventional loan with no interest only loans.
Product: Credit reporting or other personal consumer reports

on XX/XX/ i sent a letter regarding inaccurate information and unknown things on my credit report to this day 30 days later i havent recieved a response yet. I feel like Im being taken advantage of and my disputes are being ignored. Section 611 ( a ) says failure to investigate within 30 days gives reason to immediately remove those items. I demand these accounts be removed immediately. My info was also compromised during the equifax breach.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my XXXX family with a XXXX on the way Please remove unauthorized inquiries and account from my credit report As soon as possible
Product: Credit card or prepaid card

i had a td cash credit card with a rewards amount of XXXX points. the card was closed without my knowledge at the end of XXXX of XXXX i was never told that my card was closed even though i spoke with them multiple times about issues with my account as well as getting bill statements well after it was closed. i was also not told the reward points would expire after 60 days of card closing. i earned those reward points and what they should have done was send a check in place of the rewards instead of just ending them without so much as a phone call or email
Product: Payday loan

I had contacted a payday loan debt consolidation company, XXXX XXXX XXXX. My representative name was XXXX XXXX. The company sent out letters and I believe contacted Spot loan to cease all ACH debits and I revoked the withdrawal of payments from Spotloan. They sent a limited Power of Attorney. 

Spotloan continued to go into my account and my bank refused to do a reversal of payments. I have put a stop payment on my account. This left me in a worse financial situation. 

Since this time, I have cancelled my participation in XXXX XXXX XXXX and I have since learned that online payday loans are illegal XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX toll XXXX faxI have also filed a complaint with XXXX XXXX XXXX XXXX. Since XXXX sent a letter, they have sent me an email which I will attach.
Product: Debt collection

AD Astra Recovery Service alleges an account ending in XXXX which is unknown to me. I have asked for verification/validation of this this alleged debt be original creditor which has not been received. Violation of FDCPA and FCRA, as this has harmed me financially.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a collection whit capital one i am not liable for this account i did a dispute and ask them for verify and send me proof that this account belongs to me because i never have a capital one credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. I was a victim of the XXXX and XXXX XXXX breach. All is being investigated by the FTC.
Product: Debt collection

Allied Collection Services Inc in XXXX XXXX NV, are not following any laws to obtain a debt owed. And are not applying the payments stating I owe more than I do on 2nd garnishment. They are also garnishing my checks that are exempt. They are below the legal disposable income that can be garnished by law. And they do not notify you to go to court both times I was never notified until a few weeks after garnishment was already taken place by my employer. And the interest is not correct. They are over charging me by hundreds of dollars in interest that they are not supposed to able to add by law. And the difference in the payments they say I paid {$1300.00} versus what I actually paid was {$1700.00} And they obtained a second garnishment that states the balance owed which did not have the payments deducted and they did not report them in court when applying for 2nd judgement.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO PARTNERS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX   Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

I contacted Chase XX/XX/XXXX because I noticed a pending charge from XXXX again this has been the fourth time. I didn't make this transaction, I was told several companies have my card number in a digital wallet through XXXX pay I don't use or know anything about this. Come to find out any bill I pay with my debit card the company can automatically save it in XXXX pay/digital card. The only suggestion from Chase is cancel my card and get a new one. I have auto pay on some bills pending and that means I would be in default for my schedule payments. Chase is telling me I need to call the companies and straighten out the default and late fees when I get my new card in XXXX to 10 days. In the meantime they are going to pay the {$99.00} unauthorized XXXX and leave me little to no money. I believe this is widespread corruption from companies that automatically save my card number with XXXX pay platform that can be hacked by XXXX or whoever. The true identity is never known by the consumer.
Product: Mortgage

Acquired a mortgage in XXXX through XXXX XXXX at Total Mortgage in XXXX, CT. XXXX rarely responded to emails after he and his staff demanded we get documentation in by a certain day. We needed our lawyer to request XXXX extensions from the seller 's attorney as a result of XXXX dropping the ball several times. He told us he would try to float down our rate, then never told us when our rate even expired, then tried to bully us into paying for a rate lock extension. XXXX many times threatened us by stating we did n't deserve good customer service and he could charge us what he chose to extend the rate. We had to ask for the GFE paperwork XXXX times until it was finally emailed. 

4 days before our closing the company all of a sudden demanded we close all our credit card accounts since they were paid off. XXXX associate XXXX, then told our lawyer we would n't be closing until at least 3-4 days after the set date. The icing on the cake was right before closing where XXXX admitted to bullying us because we asked to many questions and again said we did n't deserve good service. He then began shouting about all the loans he 's closed this year and how great the company is. Many people we worked with to close our loan were surprised and apologized for the poor service we received by this company. 

I was fine with dropping this but felt a complaint should be filed after I posted a review on XXXX and now XXXX has begun harassing me by texting my cell phone about my review. The next step if I get another text from him will be a visit to the police station in the town he does business in order to discuss harassment charges.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Accts have violated my rights. 

# XXXX ( XXXX ) # XXXX ( XXXX ) # XXXX XXXX XXXX XXXX ) # XXXX ( XXXX XXXX  ) 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: Money transfer, virtual currency, or money service

So this is actually the second time cashapp has closed my account, first because they refused to get my funds back for a purchase I did not make and now for some alleged violation of their terms of agreement though I only take payments for services rendered doing XXXX work and most certainly have violated no terms. They both times refused to tell me anything just that they can confirm my account is closed. Last time it took me getting the company that took my funds fraudulently returning every XXXX  of it for them to reverse the decision. This involved over a week where my money was literally locked into my account there and I could not get it out ( my bank at the time was a competitor they refused to allow me to withdraw to or even add as my bank ). This time I already had an account somewhere they allow only because of the issue from last time so I got my money out immediately. They have thus far refused to allow me a fair chance to prove they are wrong as they wont even tell me what term I supposedly violated so its impossible to gather proof of their incompetence as I dont even know which of their numerous pages of terms they are accusing me of violating. This is absolutely unacceptable from a banking institution and has cost me the ability to take payment from some of my clientele and has brought real world damages to my business. These guys legit have the worst customer service ever, they refuse to tell you anything then act like they have given you information and once escalated they again claimed that they had given me the outcome of the escalation in spite of not having done so. This has to literally violate laws of some variety cause its deceptive and shady and has messed with money that is not theirs without any ability to defend my business. Please hold them accountable for what seems like a gross over stepping of a financial institutions bounds. 

Its simple. I want a chance to properly defend my account which has not and does not do any of the things they say arent allowed. Thus an explanation of what they suggest was the violation is required so I can furnish undeniable proof that they are incorrect in their assumption. Either way, if they are going to mess with someones money that person deserves to know exactly why they have chosen to do so. As such I demand to see their proof and an explanation as to which term they claim has been violated. Id put money on them not having any proof of a violation of their terms ( cause Im not using my account for illegal purposes accepting funds for XXXX  work ), which means they arbitrarily chose to mess with my income in sudden and very disruptive ways while making it XXXX  difficult to get your funds back out of their clutches. A simple XXXX search will show this is a common practice from these scammers and many of the users were not able to get their money back out so they lost their funds.
Product: Credit card

I suppose I pay my credit and my husband have Personal loans y from XXXX. The credit card and the loans are from XXXX and XX/XX/XXXX XXXX I pay the loans and credit card. The credit card was XXXX dollars and the Personal loan was XXXX I payed by phone but XX/XX/XXXX they say I dont payed anything I and very upset because when I payed they dont ask who is the owner. When I ask wheres the money they dont want to talk to me and my husband is XXXX XXXX XXXX and I have the proof chase make this money to Discover and they dont want to talking to me and we know the credit card have the money and we have XXXX months to try to resolve this problem and they dont told as how much is they told me my balance is XXXX for the credit card and XXXX I payed for the personal loans this amount and I dont have any paper and they say I dont paying
Product: Credit reporting or other personal consumer reports

This loan is a secured loan and XXXX XXXX closed the account without my consent. The information is showing incorrect across all credit bureaus and im requesting that this account be removed from my consumer reports. The account was closed in 2024 against the consumer wishes and now its being reported as negative. Please remove this account from my consumer report its an unnecessary account that hurts me financially.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the presence of unauthorized hard inquiries on my credit report maintained by your bureau. I kindly request your assistance in investigating and removing these inquiries, as they were made without my knowledge, consent, or any legitimate purpose. I believe that their inclusion on my credit report is unfair and unjust, and I seek resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). 

The following unauthorized hard inquiries are currently reflected on my credit report : Inquiry Date : XX/XX/year> Inquiry Source : XXXXXXXX XXXX  I hereby request a thorough investigation into these unauthorized hard inquiries. I require you to verify the legitimacy of each inquiry and provide evidence that justifies their inclusion on my credit report. If you are unable to substantiate the legitimacy of these inquiries, I kindly request their immediate removal from my credit report. 

Furthermore, I urge you to take necessary measures to prevent any re-reporting of these unauthorized hard inquiries to any third parties. Their continued presence on my credit report could result in adverse effects on my creditworthiness and financial opportunities. I expect your assurance that no further harm will be caused by these inquiries. 

Please provide me with a written response within the statutory timeframe of XXXX  days, detailing the actions you have taken to address this matter. I anticipate a prompt resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I trust that you will handle this issue with the utmost professionalism and adherence to applicable laws. 

Thank you for your attention to this matter. I appreciate your efforts in rectifying the unauthorized hard inquiries on my credit report and restoring the accuracy of my credit history.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with XXXX, XXXX, and Transunion about giving other reporting collection companies using information that was sensitive without my written consent due to permissible purposes act which i never gave permission, as well as transferring medical debt to third party collection agencies violating my right to privacy. I was a victim of identity theft, and these collections are non-valid due to the nature of this situation and others using my name to receive medical attention with my insurance as well as trying to access loans and credit cards in my name. I have discussed also that several inquiries and closed accounts needed to be removed from my account. It has been well over 30 days and by the fair act 's rights of consumers, any negative information needs to be removed in its entirety. I appreciate your time and patience to this matter.
Product: Mortgage

I submitted a complaint to CFPB, number XXXX, company responded and agreed they owed. Stated they would issue payment and would be received in 7-10 business days but has not been received. Emailed shellpoint POC on response but no response has been received. 

also in regards to their response : I believe it is only fair that interest should be accrued on this outstanding amount, similar to how financial institutions impose interest on late payments. Accruing interest in this manner not only aligns with standard business practices but also serves as a motivating factor to ensure that the debt is resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by phone from a company named Financial Solutions Group claiming they were a government agency who would help me resolve outstanding debts. They are located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX Indiana. They had an attorney named XXXX XXXX at the same address mail a letter regarding the matter. I paid up front {$3200.00} which they retained. I was sued by multiple creditors, and they did nothing to help a default was entered by XXXX XXXX and they refused to work with me. I know they scammed me and did not follow up on the matter. I want these funds returned I am XXXX years old and trusted them to help.
Product: Debt collection

These people are trying to charge me a bill that my insurance was supposed to pay. But because they are lazy to deal with that they just put it into collections. Ive had insurance for many years and they were supposed to contact them. Im currently unemployed and going through so many economic issues to be able to make a payment.