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

XX/XX/year>, a fraudulent Hard Inquiry was made for XXXX XXXX, XXXX XXXX, reported by Equifax XXXX 

XX/XX/year>, a fraudulent Hard Inquiry was made for XXXX, XXXX, reported by Equifax. 

XX/XX/year>, a fraudulent Hard Inquiry was made for XXXX XXXX XXXX, reported by XXXX. 

XX/XX/year>, I contacted XXXX XXXX XXXX at XXXX to dispute the fraudulent credit card that was opened under my name. XXXX XXXX was able to identify the account, and closed it on my behalf. They also flagged the inquiry as Identity Theft. 

XX/XX/year>, I froze my credit files under XXXX, XXXX, and Equifax. 

XX/XX/year>, I initiated a XXXX XXXX XXXX with Equifax, who should have notified XXXX and XXXX. 

XX/XX/year>, I initiated a dispute with Equifax to investigate and remove the fraudulent inquiries. 

XX/XX/year>, I received a dispute resolution stating they refused, due to the inquiries being valid and factually correct. 

XX/XX/year>, I compiled additional information to prove my identity and disputed both inquiries once more. Again, they refused, stating they are valid and factually correct. 

XX/XX/year>, I received a dispute resolution stating they refused once more, due to the inquiries being valid and factually correct. 

XX/XX/year>, I contacted XXXX XXXX, XXXX XXXX at XXXX and they identified the fraudulent account. They began an investigation and said it should complete within XXXX days. 

XX/XX/year>, I contacted XXXX, XXXX at XXXX, but they were unable to identify an account under my name and social security number. They transferred me twice, and in all XXXX interactions, neither XXXX, XXXX, or XXXX was able to assist me in identifying the inquiry that Equifax claims as legitimate. 

Equifax has been unhelpful throughout this process despite my identity clearly have been stolen and the inquiries wholly fraudulent. 

Please advise me in how to have these Hard Inquiries from Equifax to be removed.
Product: Vehicle loan or lease

I have made consistent payment on these accounts. There should be no late payment remarks being reported here. I also want to know that your bureau is the only one reporting me late 30 days. Please see the documents below.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal signed me up for a credit card without my clear consent. I read a report by the CFPB in 2015 about the same kind of event. They allegedly signed me up for a credit card automatically when my PayPal account could not cover a cost. They never reported the credit card inquiry to any credit bueruo. When I notified the company about this they said that they did not have to report it. They have been incurring late fees on it since it has happened. They refuse to clear the debt despite me not having signed up for the credit card.
Product: Mortgage

Subject : Mortgage Servicer ( NewRez ) Incorrectly Charged for Hazard Insurance & Is Continuing to Charge Me Complaint Details : I am filing a complaint against NewRez LLC for improperly adding hazard insurance to my mortgage escrow account, charging me for a policy that does not exist, and refusing to refund my money in a timely manner. 

Key Issues : 1. Fraudulent Hazard Insurance Charges : In XX/XX/year>, NewRez incorrectly added hazard insurance to my escrow account despite the fact that I never had such a policy. 
As a result, they withdrew nearly {$800.00} from my bank account and continue to bill me for hazard insurance that I do not have. NewRez has admitted that this was a mistake related to their escrow analysis 2. Unlawfully Withholding My Money : Despite admitting fault, NewRez refuses to refund my money until they can run a new escrow analysis in 30-40 days.This is an excessive delay that is causing financial hardship. 

3. Continuing to Charge Me for Non-Existent Insurance : Even after admitting the original mistake, NewRez continues to charge my escrow account for hazard insurance that does not exist. This is an ongoing violation that is inflating my escrow balance and mortgage payments.

Regulatory Violations : 1.Real Estate Settlement Procedures Act ( RESPA ) : Failure to properly maintain and correct escrow accounts.

2.Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : Continuing to charge for non-existent insurance is fraudulent and financially harmful.

3.Breach of Contract : Incorrect escrow analysis has resulted in unauthorized charges.

Potential Escrow Fraud : Charging a borrower for insurance that does not exist raises serious regulatory concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later,XX/XX/XXXX the account re-appears under a different account number with a collection agency XXXX. XXXX is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.
Product: Debt collection

MIDLAND CREDIT MANAGEMEN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear MIDLAND CREDIT MANAGEMEN, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General.

Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.

Thank you for your attention to this matter. I look forward to your prompt and complete response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times contacting XXXX  via phone and online to dispute accurate info and haven't reached a live agent. XXXX  online disputes directs me to call XXXX  's number. I'm unable to view or submit any info online to Equifax regarding disputes. The reps at Equifax are automatically closing disputes in less than 24 hrs without properly investigating. I have received automated emails from Equifax closing dispute a few hours after holding on the phone more than 30 mins each time to report to a live rep. 

I do not owe debt of {$360.00} to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I have contacted the property management company XXXX XXXX whom reported the incorrect debt for XXXX XXXX XXXX with no reply in the last 2 years for any issues. I received a call from XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX2020 XXXX XXXX  regarding the incorrect debt. I explained why the debt is not owed and other unresolved issues in which XXXX XXXX owes me payment. XXXX stated she would call me the following week with an update. I didn't receive an update and haven't reached her. I have spoken to XXXX XXXX XXXX and mailed off documentation XX/XX/XXXX2020 to XXXX XXXX XXXX showing proof of my payments to XXXX XXXX XXXX and my attempts to reach XXXX  regarding reimbursement they owe me and I never owed a debt to the complex. 


XXXX  and Equifax have failed to validate any proof before adding this erroneous debt {$360.00} to my credit report affecting my score. I have been unable to reach XXXX  by phone or online to dispute this inaccurate info. Equifax didn't properly verify the false typed debt from XXXX with no substantiating proof b/c the debt attempt is retaliation from XXXX  property management. I have mailed proof that I paid and didn't owe to XXXX XXXX XXXX and have called XXXX XXXX XXXX as well. I received a call from XXXX XXXX with XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  after numerous unreturned calls and emails from XXXX XXXX corporate office. XXXX stated she would look into it and contact me the following week. I have not received any updates from XXXX XXXX. I made XXXX aware of the inaccurate debt of {$360.00}, the reason the debt was reported in retaliation, and the initial issue in which XXXX XXXX never resolved since XXXX.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ). 
Many of these inaccuracies stem from DEBT XXXX, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ). 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays.
Product: Mortgage

I have a loan that meets the requirements for a HARP refinance and Wells Fargo currently holds that loan. I have attempted over the past year to process a HARP refinance however Wells Fargo keeps coming up with different reasons why they can not process it. The first was that there were lates on my account and after many many many phone calls to resolve the fact that I had no lates I was told that was not the reason and that the reason is now because I have lender paid mortgage insurance. Under the HARP program a refinance with Lender Paid Mortgage Insurance is allowable and Well Fargo stated that as well but say they wont do the refinance because of it. For a program meaning HARP that is supposed to simplify the process for eligible borrowers Wells Fargo has made this a miserable impossible experience.
Product: Bank account or service

I deposited a XXXX XXXX XXXX check into my Bank of the West checking account on XXXX XXXX. I deposited the check so my Bank of the West mortgage would be paid on XXXX XXXX. The funds were in XXXX XXXX XXXX, but because this was a mobile deposit made with an XXXX, Bank of the West did not credit the deposit until XXXX XXXX. I did not learn of the delay until XXXX XXXX, and never even considered the possibility of such a long delay because all previous delays for mobile deposits had been around 3 days. So, my mortgage payment was late and Bank of the West charged me a {$35.00} " insufficient funds '' fee. When I called to complain Bank of the West reversed the {$35.00} fee, but the late payment to my mortgage is still recorded. Bank of the West told me that with mobile deposits they have the right to delay the funds for up to 10 days. That time period is wildly unreasonable. The longest lawful delay I could find for deposit times listed on the Federal Reserve website was 5 days. A ten day delay is outrageous, it is a loophole in the law and the CFPB really needs to work to see that this scam is outlawed. Please! My primary bank is XXXX XXXX XXXX and I only use the Bank of the West account for my mortgage payment. I believe Bank of the West is trying to push me into using more of their services, such as overdraft protection, by delaying as long as possible my funds transfers from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

contacted the Credit Card Company XXXX due to late fees I am in collections for XXXX. I contacted them back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card accounts without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # XXXX with XXXX XXXX XXXX  and # XXXX with XXXXXXXX XXXX XXXX XXXX both have 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 card or prepaid card

Received an approval letter on XX/XX/XXXX stating to pay XXXX $ to open a secured credit card account. 

I called and inquired and the rep stated if I wanted to make more deposits I could and they would add an additional {$100.00} to the deposit. 

I finally was ready to roll on XX/XX/XXXX, I called Capital 3 times to ensure that if I made a deposit of XXXX $ i would receive {$590.00} $ and the rep stated yes, so on XX/XX/XXXX I made the {$490.00} deposit and sat back and waited. My bank settled the transaction on XX/XX/XXXX at XXXX XXXX Eastern time. 
I contacted Capital One on XX/XX/XXXX to see when my Card would be sent only for the rep to tell me that my account was denied. 

I asked when was it denied, she stated on XX/XX/XXXX, I received no emails or letters stating i was denied or that i would have my {$490.00} returned back and the date of that return. The rep stated it would take 45 days to be placed back into my account and that is unfair. 

I called again this am 4 different times for them to tell me the same thing. I feel that this was an unjust denial as the card was offered to me by XXXX and XXXX XXXX for those with credit not so good-my score is XXXX and this card fit what i could get approved for. 

i in fact was approved and as soon as i made that deposit on XXXX, they denied me for some strange reason on XXXX I would like assistance with retrieving my funds back and to also report in my opinion, blatant racism. 

I will be sending out several reviews so that others will not find themselves in the same situation. 

Since then, i have been approved for 2 other credit cards and i have no issues with these cards. I am happy to continue to increase my score with them. Please help me with this as its not fair that i have to wait 45 days for my monies back. 

I just want my monies back and to find out specifically why i was approved and as soon as i sent the money i was denied. 

Thank you kindly for your assistance.
Product: Credit reporting or other personal consumer reports

I am aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately reported, and I request its removal. I am entitled to {$1000.00} for each incorrect entry on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. But I did a thorough research myself and found improper inaccuracies on my credit report even after the credit bureaus did their verification. 
XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX, Account Number ; XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a debt on my credit report that XXXX ) is no longer owed to them, XXXX ) is now owned by XXXX XXXX and XXXX ) has a XXXX balance because I paid XXXX via their XXXX-party, XXXX XXXX XXXX ( as XXXX refused to offer me a settlement amount and transferred me to XXXX  for settlement ). Due to XXXX XXXX simultaneously reporting the referenced account and debt and not deleting it altogether, has resulted in adverse action with the mortgage lender that I am working with, and has stopped the lending process, which can prevent me from getting the home. The erroneous reporting will also result in the lender having to run my credit again, outside of the mortgage inquiry period ( if this is not resolved ). Ultimately, adding more inquiries and lowering my credit score. 
The amount being reported by XXXX XXXX XXXX  is {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has ignored the salient aspects of the claim. Regarding account figures the credit card numbers issued were incorrectly referenced in confirmation emails in my possession, independent of any fraud claim. New information has come to light when I looked further into XXXX 's management of their brand, web portals and cybersecurity practices. Upon further investigation, the scraping of my personal data carries those same credit card numbers " issued in error '' by XXXX 's admission. Those redundant email communications and portal web viewed were spoofed as part of the ongoing fraud in operation since XXXX of XXXX  '. The failure of XXXX to manage their customer facing portals and allowing personal credit card numbers to be scraped is the main driver of the causation here. See https : XXXX I suggest that this be escalated from typical collection reporting due to the circumstances. I will make a complaint in court together with damages if the credit reporting issue is not rectified. I will not take responsibility for the mismanagement of my information. The response is wonderfully data driven, but does not address the causation. The contact information on my account may very well be incorrect as well, as I have not received any communications. When were these last changed? how was this done? I am locked out of my XXXX portal.
Product: Debt collection

Portfolio Recovery Associates, LLC for the amount of {$280.00}. I have sent Portfolio Recovery Associates, LLC a debt validation several times with no response. This item does not belong to me.