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

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX, and Equifax credit report. 

2. The inquiry was not authorized XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX and Equifax credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX and Equifax credit report. 

4. The inquiry was not authorized XXXX/XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

8. The inquiry was not authorized XXXX/XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX  report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

11. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

16. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

Hello My name is XXXX XXXX. My daughter received a hospital bill at XXXX XXXX for {$2600.00}. Last month I paid the entire bill. It's been 30 days and it's still on my credit report.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/year>
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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio recovery is the name of the collection agency. the debt from this company has already been charged-off / written off and this collection agency keeps trying to collect on this time-barred debt.
Product: Mortgage

On XX/XX/2019 I closed on a hard money loan with Lima One Capital for around $ XXXX. I was told they were charging me 10.5 % with 2.5 % in points. The closing date was the first time I saw the HUD statement. I believe the law states I should see it three days before closing. When I saw the document at closing, I could not determine what rates I was receiving and it would have been difficult to back out of the deal at this time. They ended up charging me 11.5 % interest and 3.5 % in points. This resulted in approximately {$3500.00} additional dollars I paid to them over about 10 months. I brought this issue to the attention to my sales rep and he denied there was an issue at first. Then I showed him the emails of the rates he promised me, and he admitted that a mistake was made. In fact, the underwriter did not include a $ XXXX wholesaler charge which made the loan appear to be less than $ XXXX and qualify for these higher rates. In fact, it was over $ XXXX and I should have been given the rates that were given to me over email. I have tried filing a XXXX complaint and talked to the company directly, and their attitude is very unhelfpul. It's a shame because I wouldn't mind doing business w/ them again, but it's difficult when they act this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2021, I, XXXX XXXX filed a dispute which included a copy of my I.D card, SSN Card, Bank Statement, Tax statement, a long with a written dispute about an errored Social Security number on my credit report.. I literally sent a copy of my SSN Card and they updated the number on my Experian report the wrong SSN. I would like to have this resolved by the company immediately. 

Respectfully, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, at approximately around XXXXXXXX XXXX, I attempted a cash deposit at the Navy Federal walk-up ATM ( The address for this Navy Federal location is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The amount of this was exactly {$650.00} that was my sister 's part of our monthly rent payment. She was having technical issues of her own of not being able to use her XXXX to transfer me the money, and after being on hold with Navy Federal customer service for almost an hour, she decided to withdraw the amount in cash. She handed it off to me right in the Navy Federal parking lot and I went straight to the ATM. 

I began the process of the deposit and gave the {$650.00} to the ATM. While I was standing and waiting I read the sign saying that " Deposits after XXXX XXXX  will not show until the next business day '' and since it doesn't specify that statement is meant for check deposits ONLY, I misunderstood. I glance at my phone to see it's around XXXXXXXX XXXX  and I frantically began pressing the " cancel '' button on the ATM about 5 times. As the ATM continued to count the money, I waited and it happened to not accept a {$50.00} bill. The screen then shows there is {$600.00} counted in the system and it has the XXXX XXXX options on the screen for if I would like to continue the transaction or cancel it. This is where the issue occurs. After hitting cancel, I presumed the machine was distributing back the full {$600.00}. To my dismay, I would realize that I was completely short {$100.00}. I thought it was odd, because after the ATM returned back {$500.00}, it kept whirring like more was going to come out but nothing never did. After counting the only XXXX {$50.00} bills probably about XXXX times, I went inside to let a bank clerk know what happened and they had started a claim. I was told that they would have to audit the ATM and that I could try calling to receive a temporary credit ( so I can be able to pay my rent on time ) but after doing that, I was told by a representative there is nothing that can be done. After waiting to hear back about the claim and audit, after many many calls to the Navy Federal customer service to just try getting in contact with someone at the local bank as I am not able to have time to go visit the bank until the weekend, I am only told they did not find a surplus in the audit.

Meanwhile, I am still short {$100.00}. I ask Navy Federal to investigate this further, from every logged action of the ATM to any camera footage. I am missing {$100.00} because I trusted the only bank that I have an account open with.
Product: Debt collection

Constant calls early in the morning or late at night, very aggressive and rude. Wont provide information intimidating and threatening calling from different numbers.
Product: Credit card

Hello CFPB agent ( s ), I have the venmo visa card and I reside in California. I made a large payment on my card ( {$2000.00} ) on XX/XX/23 and it finalized on XX/XX/23. My payment has still not been applied to my account. I have called several times and gotten different responses from customer service and managers.

They are effectively holding my money hostage without providing me my credit on my account for my payment. I believe they are in violation of their terms of service. Please help me. 

Thank you, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX XXXX {$1500.00} XX/XX/XXXX US DEPT. OF EDUCATION/XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX inquires XXXX Inquiry from XX/XX/XXXX + XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX 3. XXXX
Product: Credit card

From XX/XX/XXXX, to XX/XX/XXXX, I have been looking for a solution during my financial hardship with Capital One Bank. My income has decreased, I have a medical issue, and I have medical bills I am not capable of paying. I requested reduced monthly payments, reduced APR, and waived late fees, but they have only been able to offer waived late fees for less than XXXX months ; I was approved for that back in XXXX XXXX, which then was reported to the credit bureau because it was not explained that if I miss a minimum payment over XXXX  days, it would be reported. 

I just got off a call with Captial One Bank today at XXXX XXXX & it was the same issue. They have a questionnaire to determine if you will be eligible for the hardship program, but Captial One Bank is withholding information on the format of this questionnaire. They claim it's not multiple-choice but an open-text field, which makes no sense. 

The questions are vague and misleading, and honestly, BIAS. 

Capital One Bank is purposely running a hardship program that is not meant to help you, and I believe less than XXXX % of their consumers are actually approved for assistance. I've escalated this concern with senior supervisors, who were all nasty and rude and claimed they could do nothing to help. Stating that this is how the questionnaire/survey works. The questions they ask are, 1. What kind of financial hardship are you currently dealing with?

2. How long do you think you will be in this situation?

3. How much would you be able to pay, and when can you begin to make payments? 

I've answered these questions multiple times ( at least XXXX times ), and I was offered a minimum payment that is more than my actual payment, or no program is available for my account. They also reduced my credit limit when I raised concerns about them withholding information when I was under the no-late fee program because I missed a payment and went over XXXX days when I did not know that was under the plan. I believe this was purposely done again! I asked them to review the recording & they claimed nothing was found but refused to tell me or give me a transcript of the recording. 

Capital One Bank is engaging in illegal & biased business practices that need to be investigated. I believe more people are experiencing the same issue with their faulty questionnaire, and no one is doing anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

Disputed Collection with XXXX Credit Bureau and have not received any Information on the Debt. Debt were removed by XXXX Credit Bureau initially but added back. Disputed Debt with XXXX Credit on XX/XX/year>.
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account which has been XXXX XXXX XXXX deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX   XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following -- - XXXX XXXX XXXX XXXX   XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Ok, I was told the {$32.00} interest charge and {$6.00} on the XXXX XXXX, XXXX statement would be credited back to me by a rep on the phone. He looked over past purchases and saw spots where promos were not applied properly and I was charged too much interest. I was offered to get a credit for those XXXX interest charges, now the XXXX credit card people say that they cant do anything. This is wrong as it was promised to me!
Product: Debt collection

after being catastrophically injured almost XXXX yrs ago my husband is completely XXXX, he spent 67 days in the hosp. and 32 days of that in a coma, 2 yrs ago Cavalry spv 1 llc sued him [ g e money bank original credit card ] we explained how we now live off of ssd and XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in XXXX is there anything I can do. thankyou,
Product: Mortgage

I was told by Quicken Loans that my flood insurance provided by FEMA was mandated by law to be escrowed into my mortgage payment by Federal law. I live in California and I spoke with a loan supervisor who confirmed this info. This is false I information. I had already paid my entire premium and they declined to refund 6 months of payment. I have been unable to secure the refund.
Product: Mortgage

Let me start by saying that my wife is pregnant with our XXXX child and due any day now. The undue hardship that this has caused us is beyond words. This complaint is against Nationstar Mortgage. XXXX XXXX XXXX service released my mortgage and sold it to Nationstar on XXXX XXXXXX/XX/2015 XXXX did not notify me of this. I was scheduled to close on the sale of the home on XXXX XXXX, XX/XX/2015, but had to cancel XXXX due to Nationstar refusing to send me a payoff quote form. I spoke to XXXX different " supervisors '' and was told a different excuse by each one. In XXXX years, I have never been so much as late for a payment and now these banks are taking advantage of me. All I need is a simple payoff request form faxed to me in order to be able to close.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THAT ACCOUNT WAS NEVER LATE. ACCOUNT HAS ALWAYS BEEN CURRENT.
Product: Credit reporting or other personal consumer reports

I am disputing the account listed as OFFICE OF THE ATTY GEN - XXXX - $ XXXX, as it is inaccurate and unverified. I have no knowledge or record of such a debt, and I strongly believe this may be the result of a possible data breach. The presence of this account on my credit report has caused significant damage to my creditworthiness and has created immense stress and XXXX, impacting both my financial stability and personal well-being. I respectfully request a thorough investigation into this matter, and if the account can not be fully substantiated, I urge you to remove it from my report immediately.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Upon arriving to the closing table at the XXXX XXXX XXXX , XXXX to sell my home on XX/XX/XXXX I was presented with the Seller Credit/Debit sheet, where at that time I discovered a mortgage payoff to PennyMac Loan Service, LLC consisted of a 2nd mortgage in the amount of {$78000.00} being held through the Secretary of Housing and Urban Development ( HUD ), of which I was completely unaware of prior to receiving this document. In XX/XX/XXXX I met with a bankruptcy attorney to sign paperwork to file bankruptcy, but was advised not to go through with the bankruptcy by the attorney based on the fact that both myself and the attorney were under the impression that my home held about {$80000.00} in equity and was therefore given the option to either sell my home to access the equity and pay off debt that accumulated from an extended period of lack of work or work with debt companies to slowly pay off over time. I contacted my mortgage company on two separate occasions prior to deciding to sell my home for mortgage payoff information and was NEVER provided any information or details into the now apparent 2nd mortgage that occurred from 2 previous loan modifications done in XXXX and XXXX and subsequently was never provided with any information or details of this 2nd mortgage throughout the entire duration of the existence of said 2nd mortgage, to include, but not limited to, statements ( paper or electronic ), online mortgage account access, or phone correspondences between myself and my mortgage company, PennyMac USA. As a result of this complete lack of information and/or visibility into the said 2nd mortgage loan multiple financial " damages '' were incurred. I am therefore submitting this complaint against PennyMac Loan Services , LLC and/or the Secretary of Housing and Urban Development ( HUD ) for gross neglect and negligence on their part to disclose information and/or any and all details of the 2nd mortgage with regard to the full amount ( s ) owed, as well as, rate ( s ) of interest being accrued, penalty and payoff information, at any time during the existence/course of the 2nd mortgage loan.
Product: Debt collection

As above, so below, THE ALLEGED OWED CREDITS, CONSIDRED IN SPEECH BY XXXX INCLUDE A " BILLING ERROR '' .ON SOME DELAY IN MEMBERSHIP BILLING ACCOUNTS, INCLUDING THAT OF Said name Private individual XXXX XXXX XXXX XXXX was not in fact a natural born soul XXXX XXXX XXXX , for a {$20.00} * for updated billing fees, that were not agreed upon in terms of the original agreed contract, based on principal This transaction, if not authorized to debit the checking or debit card of XXXX XXXX appropriately identified and ACH or debit card from fraudulent once the private residential and private individual 's mailing address and banking information was updated, was changed, the correspondence was not represented as cited in Title 9-102. UCC Article 9 - secured Transactions Further more, pursuant to the U.S. Title 15 US Code 1681 ( m ) ; the collection agency, did not properly portray their interest in this contractual agreement, provided a contract under agreement to provide legitimate credit from signer, who is responsible for the Application of payments ; BURDEN OF ESTALISHING, this creating a transaction in the scope or hidden fees. TRANSWORLD SYSTEMS INC. COLLECTION AGENCY VIOLATED THIS 15 US Code 1681 ( m ) which transgresses into the realm or jurisdiction of a U.S. Admiralty laws between a creditor and debtor ; of which within the communication the acquiesced contract was not honored, due to improper representation of which party in fact is the debtor or creditor.