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

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry listed in this report is fraudulent and I did not apply for it. Also attached is an identity theft report. 

Equifax Fraudulent Inquire XXXX XXXX XXXXXX/XX/2022 *IDENTY THEFT REPORT ATTACHED*
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry To Whom it May Concern, XXXX ( Finance ) XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX  ( Finance ) XXXX XXXX I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.

U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act 30 Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit card or prepaid card

I inadvertently sent two payments for the full amount due to my credit card with XXXX XXXX. When I realized my mistake I called customer service and was first told that I had to call back after the payment had posted to my account I had called XX/XX/XXXX. On XX/XX/XXXX I called again and asked for a refund to be processed and I understood that that would take 3 to 6 business days. On the XXXX I called again and saw that there was no movement of my funds so I asked to speak up to a manager and was told that payments to customers are done by check and then it takes 10 days for them to process the check. This means I will not have my funds available to pay my XXXX bills until like XX/XX/XXXX. Is this the best and most efficient way for a bank to handle a refund of excess payment? If that is the case with the CFPB please have this procedure expedited by EFT such as the payments I make to the credit card company. Thank you
Product: Credit reporting or other personal consumer reports

About a year ago, I found out about some accounts on my report. I tried in several occasions to get it removed but I was denied. XXXX XXXX, I discovered some information on my credit report that did not seemed correct. it occurred to me someone has been probably gotten my identity information to use. Applying for job I didn't apply, trying to open credit card account etc. 

Also some of the accounts that were on collection. I paid off and yet they've refused to removed it from my report. 

Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries Name 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

I submitted a complaint ( XXXX ) on XX/XX/2022 to the CFPB regarding debt collection by XXXX XXXX XXXX XXXX XXXX ( XXXX ) of a fraudulent account of which I became unaware. 

On XX/XX/2022, XXXX XXXX, Support Services Manager, of XXXX XXXX XXXX XXXX XXXX ( XXXX ) responded to the CFPB regarding my complaint. I thought the issue was resolved at that time. 

However, in a letter, dated XX/XX/2022, from Halsted Financial Services ( XXXX ), I was informed that XXXX placed my account for collections with Halsted Financial Services ( Reference Number XXXX ). This is simply a fraudulent scam perpetrated by two collection agencies and probably the original creditor, XXXX XXXX, XXXX. that needs to be investigated.
Product: Mortgage

I am writing you today to make you aware of an issue my husband and I are going through. In XX/XX/XXXX our mortgage loan was transferred from Litton Loan Servicing to Ocwen Loan Servicing , LLC . When the loan was transferred, our mortgage was in good standing. Ocwen then added a insurance policy to our mortgage raising our monthly bill up nearly {$400.00} per month. Even though I had proof that we already had homeowners insurance through XXXX, Ocwen proceeded with charging us. They eventually started sending us statements that had outrageous amounts charged onto our mortgage. Shortly after, they started sending us foreclosure letters threatening to sale our property in a short sale. I fought for months and months, calling the company, asking for a loan modifications that they denied several times, I filed complaints with the CFPB ( Consumer Financial Protection Bureau ), I hired XXXX lawyers to assist in the matter and still, nothing was ever fixed. I have proof of every payment that was sent on time and all the complaints I filed with Ocwen and the CFPB. With Ocwen continuing to threaten us with foreclosure although it was not a mistake on our parts, we then reached out to a bankruptcy attorney XXXX XXXX in XXXX, Texas. She advised us in order to get this company behind us, we would be forced to file for bankruptcy. We then filed in XX/XX/XXXX. After filing, we then discovered that Ocwen has a major lawsuit against them ; they have also sent us letters stating that they have established a voluntary claim program to provide payments to borrowers who may have received certain misdated letters. This company has ruined our credit history for the rest of our lives and now we can not purchase a home. When we were forced into bankruptcy we did not mismanage our funds and we did not even have enough debt ; we had to go get a car to create more debt in order to file. This company has taken our home for no reason and now have a lawsuit online " Ocwen, Assurant Near $ XXXX Settlement in Class Action Lawsuit ''. But what about our credit report? We are victims of foreclosure FRAUD!!!!! The foreclosure needs to be taken off of our credit report so that we can get another home for our XXXX children. We recently XXXX. We want her to have a home to call her own. Ocwen stole from us and we did not deserve this at all. We have suffered emotionally, mentally and physically. I was XXXX due to stress. We are not seeking to get money although it would help us recover from the financial strain we went through. Our main goal in this is to get the foreclosure off of our credit report so that we can qualify to purchase another home. No one is listening to our complaints, the credit bureaus are not fixing our credit reports. I contacted the law office of XXXX, XXXX and XXXX and Attorney XXXX stated that he is just too busy to take our case. No one is helping us sir. I know you are busy sir, but we need your help PLEASE! Please take time to look into this issue and help us recover from this wrong doing. May XXXX bless you.
Product: Checking or savings account

I have filed 3 different disputes with my bank ( Chime ) for unauthorized transactions on my account and I got denied each time.
Product: Checking or savings account

Hello, I have been a Bank of America customer for nearly a decade. I recently filed a claim about some fraudulent activity that took place with the debit card that was linked to the XXXX XXXX feature of my XXXX. On the morning of XX/XX/XXXX, my phone was used to make 8 different transactions totaling in {$2300.00} to a number that I have never been in contact with. I do not know who did this to me. I brought up the fact that my debit card had also been stolen from me that night and an investigation was opened. After a few weeks, I was issued a temporary credit. After another couple of weeks, this credit was taken back, leading to my checking account being overdrawn by {$600.00}. I am still in the negative and have called Bank of America, pleading that they re-open this investigation. Additionally, I have filed a police report and have reached out to XXXX XXXX support to get answers as to who sent money to themselves using my phone. It makes ZERO logical sense that I would overdraft my own bank account by over {$600.00}, so it really upset me that the investigation research deemed that none of the activity was fraudulent and that all transactions were authorized by me. That is simply not true, and now I am out funds that I direly need. I am beyond disappointed with Bank of America at this point and have every intention to never conduct business with them once I receive the proper restitution.
Product: Mortgage

On XXXX ( I have taken picture on my phone ) today XX/XX/2018, at XXXX XXXX XXXX has once again put out a false/misleading banner ad. I am in the mortgage business and know first hand that these rates are non existent, i would be shocked if any amount of Discount points would be able to produce these rates. This is at least, the 3rd time i have filed a complaint. They are misleading consumers and it needs to be addressed. I will include a photo of the front page with banner ad as proof.
Product: Debt collection

I have been receiving frequent phone calls to collect a debt from a college that I have not attended since XXXX. I answered initially to see what this was about and where these phone calls were coming from. I was told they were looking for XXXX XXXX to collect a debt of {$1300.00}. This is a debt I had no idea that I had acquired. I let this know this information and they continued to call me to collect this debt on my behalf. Yesterday, I called my college to order a transcript and there is a hold on my account due to this debt. This debt is not mine. I feel that this debt is attached to someone else and it has been accidentally been put on my account because XXXX XXXX is a very common name. This debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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
Product: Checking or savings account

The only charges to my bank account at the end of the service {$500.00} or two charges at the end of the service. One for {$380.00} and another for {$120.00} both to be done at the end. Of the service. No, not during the service. The end of service. Only those particular specific ones. " Equals to only {$500.00} '' None of the process procedure was done!!! 
Please do not forward attachments. Download attachments. Then send to.

Reason I, do not work for the CFP bureau.
Product: Credit reporting or other personal consumer reports

LENOX FINANCIAL MORTGAGE CORPORATION has illegally ran my credit and won't return or answer phone calls in fact when I call and they see it's me and they hang up and now they refuse to answer CFPB
Product: Student loan

I am the cosigner on this loan. Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. Borrower contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on borrower 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured the borrower that the payment would be properly applied. During borrower 's most recent call the original representative would not transfer him to a supervisor. After being transferred to another representative and waiting, borrower was finally transferred to a supervisor. The supervisor informed borrower that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both the borrower 's and my credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act Everything has to be 100 % accurate in my credit report The credit bureaus stated that my account was properly investigated but how is this possible when there are unauthorized hard inquiries, data sets related to inputting of accounts were not metro 2 compliant, data listed is mismatched compared to other credits and my request for account verification was dismissed. This is grounds for removal and they also violated my rights under : 15 U.S.C 1681 section 602 ( a ) requires accuracy and fairness of credit reporting. 15 U.S.C 1681b section 604 ( a ) ( 2 ) permissible purposes of consumer report - In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681g section 609 ( a ) ( 1 ) Disclosures to consumers - Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : All information in the consumers file at the time of the request. The credit bureaus also took more than 30 days to complete my investigation
Product: Credit card

I recently received a new Social Security Number and I am trying to provide it to American Express. However, I have called American Express and they refuse to allow me to update that information on my account without mailing or faxing my sensitive documents to them. 

These methods are both insecure and inaccessible, given that very few people own fax machines in XXXX  and that mailing documents is not free. This is clearly a discriminatory process, and other options should exist to update my account Social Security Number.
Product: Credit card or prepaid card

On XX/XX/2002 I paid off the balance on a Capital One Credit card ending in XXXX. The same day I received a payment confirmation from Capital One showing the payment and payment method with a confirmation code of XXXX. On that payment confirmation it states " Your payment will be on time. No additional payment is required. 

On XX/XX/XXXX, I received an email stating that I owed {$26.00} for " Interest Charges : Purchases. As can be seen in the documentation, there were no purchases since the time of full payment. 

On XX/XX/XXXX, I called Capital One to discuss this charge. I talked to a person named " XXXX '' whom I believe was from overseas. I strongly expressed my anger at being charged for the time after the payment was made. I was put on hold 3 times and finally was told there would be no waiver for the fee granted. 

I explained to her that if I were to write a check for this amount, there would be another bill for more interest since it is charged daily. No comment back was received I'm XXXX XXXX XXXX and believe strongly that their practices are taking advantage of most seniors who would just pay the bill and get on the merry go round. I have no intention of paying this amount and told them this several times. They were also told I would be filing this complaint. I have documentation. The card was cut up and disposed of.
Product: Debt collection

I was sent a letter from Weber & Olcese, P.L.C. had been retained by XXXX XXXX XXXX which is a violation 15 USC 1692e ( 3 ) the false representation or implication that any individual is an attorney or that any communication is from an attorney. The letter stated this communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose which is a violation of 15 USC 1692 b ( 2 ) not state that such consumer owes any debt.
Product: Credit card or prepaid card

USAA does Not provide a TRUTH IN LENDING STATEMENT. see attatched XX/XX/2019 statement showing OTHER CREDITS {$2.00}, XXXX and TOTAL CREDITS ONLY {$910.00}. Definition of TOTAL. = Comprising the whole number or amount. USAA statements SHOW TOTAL CREDITS that do Not Comprise the whole number. WHAT PART OF TOTAL DOES USAA misunderstand? Why are they allowed to hide credits? ( Without A VIEW OF THE CREDITS the statement IS NOT THE WHOLE TRUTH. NOTHING BUT THE TRUTH UNLESS the temp credits OTHER CREDITS DID NOT APPLY ) ** Either statement is not TRUTH IN THIS LENDING or the credits WERE NOT APPLIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to the bureaus and to companies. Companies may include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and other companies in which there are fraudulent charges on my credit report.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from TRANSUNION on XX/XX/2024. I saw some Hard Inquiries that did not have Permissible Purpose. I also attached evidence : 1. XXXX XXXX XXXX XX/XX/2024 : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 2. XXXX XXXX XXXX XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown inquiries on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries immediately : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of Equifax, XXXX, and XXXX.

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XX/XX/XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency.

Please help me correct these reportings. I was behind in my payments in XX/XX/XXXXdue to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due.

XXXX  does not respond and just sends form letters and adds comments stating verified by grantor.
Product: Mortgage

I have a mortgage with Carrington Mortgage, in XXXX I was 3 months behind on my mortgage and applied for mortgage assistance, after 4 months of them saying they didn't have information i sent in several times I finally got approved for a forbearance, during the application time I was told I couldn't make payments until my application was pretty much approved or denied, so once approved I then went from 3 months to 7 months behind, then was told the forbearance would stop my current monthly payment to keep my past due balance from increasing, well today I just check and that is not the while on a forbearance they are still reporting I'm behind to the credit companies, and I am now owe {$10000.00} total of 11 month, they have lied to me about several things I contacted and they just told me more or less I'm wrong, I feel they are trying to cheat me out of my home
Product: Debt collection

On XX/XX/XXXX, a debt collector opened a collection against my credit using my social security number. I assume this collection is fraudulent, as it is most likely due to a medical debt. I am a 100 % XXXX veteran and have never used anything but the ER, which I have always gone through the proper channels and double-checked to ensure that I have done the correct process. I think there was a failure on the hospital 's part to process my VA, and now they have sent and sold my information to collection agencies. These people have called me using false numbers, a phone number that shows on my phone with a voicemail that shows a different number. It's incredibly XXXX. The voicemails are threatening to take legal action against me. The Collection agency also used a false address I have not lived at since XXXX.
Product: Vehicle loan or lease

I'm in the process of bringing my car loan current. I am trying to work with the creditor as misinformation from the dealer has caused many problems. And now the car dealership is calling my work making fake XXXX appointments and showing up at my works office and harassing me. This is illegal from what I know and I'm doing what I can to work with the creditor. I would like the car dealership XXXX XXXX to stop contacting my work and stop showing up at my work, making fake XXXX calls and requesting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX. Account # XXXX, XXXX BANK XXXX Account # XXXX, XXXX LOAN SERVICES Account # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 don't want to receive any updates from TransUnion either by letter or email regarding my XXXX  XXXX  experience. I am requesting a cease of communications through email and letters from the said Bureau.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash app ( block, INC. ) due to inadequate customer service and unfair practices, which violates the consumer Financial protection act. specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with erroe resolution requirements under the Electronic Fund Transfer act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$7500.00}.