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

On XX/XX/2021 I put XXXX, Trans Union XXXX XXXX on notice that someone had attempted to use my information to obtain different lines of credit. I also filed a FTC report along with a police report. I called into each credit Also on Tuesday XX/XX/XXXX, spoke with different agents about the matter. XXXX and Trans Union both confirm that that they received my complaints and proceed to delete that Hard inquiries from my credit report.Today I checked my XXXX XXXX Account and to my surprised I noticed that they in fact deleted the inquiries but then some how placed them right back on my credit report I have attached screen shots of what I see on my end.Im attaching the list of hard inquiries that do not belong to me to knowledge and after calling the creditors making sure I do not have any open accounts with these companies. 


now Im am contacting your company to have to you promptly fix this matter is low horrible to anyone else that might decide to business with that credit has been ran so much and I can deeply about my credit and the business I do with creditors that I do have. I my credit report reflects that much. 


Heres the list of the inquiries that were added back on I'm assuming by mistake to the computer system. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter ( tracking number XXXX ) to EXPERIAN asking them to do a proper investigation and delete these erroneous accounts from my credit report : Account 1 : US DEPT OF ED XXXX XX/XX/XXXX {$5600.00} Account 2 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$3100.00} Account 3 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$3000.00} Account 4 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$1900.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account 6 : U S DEPT OF ED/XXXX XXXX XX/XX/XXXX {$11000.00} Account XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$820.00} Account 8 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} Account 10 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 11 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$6700.00} They stated that these accounts were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and date last reported is not accurate. This is grounds for removal according to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

And to add insult to injury XXXX has also violated my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these credit bureaus written permission to furnish these accounts on my credit report. I am requesting that the CFPB hold these bureaus accountable according to the law and delete those accounts.
Product: Mortgage

I have an Adjustable Rate Mortgage which resets every year on XX/XX/XXXX to reflect a new interest rate. 
I regularly pay added principal which decreases the interest collected from each payment. 
My loan was sold on XX/XX/22 to Valon Mortgage Inc. 
which used an incorrect estimate of the outstanding principal balance to amortize the new loan payment at the reset date of XX/XX/22. 
The difference in the minimum payment is only a few dollars each month but it means the math has been calculated in error. 
Valon has also incorrectly applied my prior extra principal payments to 'calculate " full principal and interest payments then used shorten the XXXX loan term remaining. See file. 
That the extra principal has already been used to decrease current interest doesn't seem to register. 
That error will affect all future loan amortization since, even if the last year 's balance is small, the ARM loan will be fully amortized in that last year to yield maximum interest which means a full year of payments. 
My account page reflects that mistake in the 'payments remaining ' portion which is enclosed. 
Repeated attempts to set this issue right have been ignored in lieu of nonsense replies blaming the prior servicer for 'finalizing ' the incorrect balance. 
Email copies and a screenshot of my account page are enclosed.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681c-2, unauthorized hard inquiries are affecting my credit report. Please remove these inaccurate entries as they harm my score. Thank you!
Product: Money transfer, virtual currency, or money service

This is a continuation of the attached description with Paypal : I send {$99.00} from my online bank mobile banking to Paypal using my name ( XXXX XXXX ) and my phone number ( XXXX ). I never received it. Paypal admits to sending my {$99.00} to someone else ( I later found out was a person named XXXX XXXX who I have never met or ever made any sort of contact with ) who has the same phone number somehow associated to his Paypal account. Paypal refuses to correct this mistake of sending my money to someone I don't know or intended to ever send to! I have had this phone number with Paypal since I opened my account and have kept it current by doing it online or with a Paypal representative over the phone. I have had this phone number for over 2 years now both initially with XXXX and later with XXXX ( after changing providers ) under the same phone number and with the same name on the bill. 
Paypal refuses to refund my {$99.00} and they refuse to look up their online records which show my attempts to update my phone number online either with home computer or my mobile phone ( way before the issue of missing funds ever came up ) and the associated I.P addresses which are recorded whenever someone goes online verify and confirm phone number and any other profile info with Paypal. Additionally, they refuse to look into the call logs of when I personally called Paypal and spoke to a representative to update and verify my phone number ( again way before the issue of the missing funds ever came up ). Why did i call or go online to verify my phone number? Because the system or a live agent asked me for verification over and over again as requested. Time after time and call after call with various Paypal representatives was I reassured my profile was up to date and current. Paypal has to have a online record as well as phone call log as to when i contacted Paypal via my computer IP address or direct phone call via phone number Why wont they refund me my missing money? Because they claim the phone number in question ( which they use to direction money transactions ) was verified and claimed by someone else ... with my phone number! Unbelievable. Even though original transaction I initiated with my bank used my name and phone number, the funds were still misdirected to someone else. Even though when i opened this account with my current phone number it was still lost. 
Paypal refuses to get my money or take any further actions to correct the misdirected and lost money. This is not acceptable.
Product: Credit reporting or other personal consumer reports

I have 4 accounts on my EXPERIAN credit report I disputed XXXX ago and they have not been removed. I have privacy rights. 
I just spoke to very kinda agent, XXXX who said it would take 30 days and by law they have XXXX hrs which has already pasted from my first dispute filed online. I sent the following message as well telling the agent on a recorded line. I di let him know the window is XXXX hrs for recording purposes. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S. Code 1681s2 states I have the right to privacy right to privacy 15 u.s. code 1681 section 604 section 2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. It also states a consumer report agency can not furnish an account without my written instructions under 15 U.S. Code 1681b, a creditor may not treat a payment on a credit card on an open end consumer credit plan as late for any purpose ; - Permissible purposes of consumer reports. 15 U.S. Code 1666b - Timing of payments.
Product: Debt collection

On XX/XX/2019 me leased ended in which I have documentaion. At the beginning of XXXX I called the rental office and in form them that I would be leaving XX/XX/2019 in whch I paid my rent in full for that month and i also have documentation for that as well. I move out the unit on that date and it has been empty since. Durning that process I foward all my mail to my mothers address, on XXXX the XXXX, I recieved a letter from XXXX XXXX XXXX XXXX dated XX/XX/2019 stated a dispossessary notice was filed and was to answer by XX/XX/2019. Never the less I answer the eviction online and the apartment complex choose to drop the eviction. In XXXX of XXXX  I filed XXXX  XXXX after that a creditor begin to call me and stated that I owe them XXXX $ from the apartments for XXXX months after I had left. And they took my security deposite, I do have court orders to prove this,
Product: Credit reporting or other personal consumer reports

My bank ( Chime, XXXX XXXX XXXX XXXX has not reported to XXXX since XXXX and they advertise they report once a month to all 3 bureaus. I asked them why they werent reporting, they said it would report the day after I had contacted them about this ( XX/XX/XXXX ). After that did not happen, they then lied and said it was an error with XXXX. Multiple people in Chimes various online forums have also reported having no reports since XXXX using the same card, and they are actively deleting posts pointing out this issue out on said forums.
Product: Mortgage

I have my home loan through Quicken. They did not pay my insurance premium to my insurance company XXXX from my escrow acct they only XXXX of over XXXX of it. I live in Iowa and I have an open damage claim from the XX/XX/XXXX XXXX  with XXXX mph winds. Now ins. Company has canceled my policy and Quicken has taken out policy for only XXXX on my XXXX home as that is all I owe. Plus the policy covers nothing else and will cost me {$55.00}. More a month I am XXXX years old and have owned my home since XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IA. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My Name Is XXXX XXXX XXXX XXXX. I am a XXXX-year-old XXXX XXXX Male. I am a veteran. i am XXXX XXXX XXXX. I work full time. I am a XXXX for the XXXX department for 6th largest XXXX XXXX in the Country. My address is XXXX XXXX XXXX. XXXX XXXX XXXX. The property is in XXXX XXXX. My Mr. Cooper Mortgage account # is XXXX.My Loan Application # is XXXX On XX/XX/2021 I was offered a VA re finance Loan by Mr. Cooper Mortgage . This is a special program offered to veterans to lower their interest rate. Mr. Cooper currently hold the loan on my house. Ms. XXXX XXXX ( XXXX ) is the loan Manager and Ms. XXXX XXXX ( XXXX XXXX ) in the loan processor. Ms. XXXX sent me a disclosure offering me a 2.3 % interest rate lowering my monthly payment by {$400.00}. XXXX per month on are about XX/XX/2021. I docu signed for processing. The underwriter Inspiring Closing, Ms. XXXX XXXX, then started their process. Due to XXXX treatment and XXXX XXXX, I added my minor daughter 's name to my Deed as survivor in residence. I received a request From Ms. XXXX to send over my daughter 's birth certificate, I am her biological father listed on her birth certificate and I was told to get a Guardian ship court order. I had my minor daughter 's name removed from the deed. 
I was also told to get flood insurance, which the FEMA flood maps show that my House is not in a flood zone. My existing mortgage did not require flood insurance the mortgage is with this same company. There was no prior request to get flood insurance My loan was declined. I have not received a reason for the decline. This is discrimination because I am of XXXX color. I meet all the requirements to qualify for this VA refinancing. 80 % of people of XXXX color are discriminated against by Mortgage lending institutions. Because of this institutionalized discrimination only 42 % of the XXXX skin and XXXX population in America are homeowners. 75 % of the white population own property. Therefore, people of color are denied home ownership despite their service to this country, and hardworking taxpayer which I have worked 48 years, I am being denied equality just because I am of brown skin. Iam seeking equal justice, and opportunity for the refinancing under the law. I believe Mr. Cooper mortgage is in violation of my rights to be treated equal as a citizen and taxpayer. If I were white, I would not be held to this scrutiny. My question is are all applicants held to this standard of treatment? Are XXXX Americans held to this standard when seeking to reduce their interest rate with there existing mortgage company? I will continue to pursue this matter with other agencies as I am trying to prepare for my retirement because of my age and medical condition. This re finance is necessary. 
Other contacts for Mr. Cooper Mortgage : XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the original credit who is   XXXX   XXXX   XXXX   XXXX   The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but   XXXX   XXXX  ,   XXXX   XXXX    or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by me.
Product: Debt or credit management

XXXX  XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Made an inquiry on my credit report on XXXX, XXXX, and XX/XX/2022. I have never done business with them.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccuracies on Equifax Credit Report Consumer Financial Protection Bureau [ Your Address ] [ City, State, Zip Code ] [ Date ] Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally report multiple inaccuracies on my Equifax credit report that require immediate attention. The discrepancies are detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX exhibits : - Different last activity dates - Varied current rating - Varying high balances - Diverse comments- Shows a perfect payment schedule from XXXX to XXXX, whereas my XXXX report shows a credit card account for those months. 

XXXX XXXX XXXX XXXX reports inaccuracies on account XXXX listed as account number XXXX on Equifax. This account displays : - Incorrect last activity dates- Indicates 5 missed payments, contrary to my XXXX report confirming no missed payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX displays the following discrepancies : - Different last activity dates- Varied remarks - Diverse times late - Varied term source type - Different high balance - States a perfect payment schedule from XXXX to XX/XX/year>, which contradicts my XXXX credit file. 

Additionally, the XXXX XXXX XXXX or XXXX XXXX account is fraudulent and has been reported to the FTC, CPFB, and the XXXX Police Department. Despite submitting evidence and documentation, my complaints have been disregarded. I assert that this account is not mine and demand its immediate removal from my credit report. 

Under 15 U.S.C. Section 1681i ( a ), I request that you conduct a thorough investigation into these inaccuracies and ensure they are corrected within 30 days from the receipt of this correspondence. Following your review and adjustments, I also request an updated copy of my credit report be sent to the address provided below. 

Thank you for your prompt attention to this matter. These errors are causing significant harm to my creditworthiness and financial standing, and I appreciate your swift action in resolving these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I submitted a CFPB complaint regarding my account. I still have not heard back from chase. Today XX/XX/XXXX my account was unexpectedly closed by Chase without explanation. Previously I submitted a different CFPB complaint on another Chase account and the same thing happened. Roughly 2 weeks after filling complaint Chase closed the account. There is a clear pattern of abuse by Chase retaliating for customer complaints.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
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 violate the Consumer Financial Protection Act ( CFPA ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and |XXXX  financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I applied for a personal loan through OneMain Financial Reference # XXXX. Shortly after finishing the application, I received an email that stated I was denied but there was no explanation. Because I was not sent an adverse action letter, I reached out to the company and on XX/XX/2022, I received an email that stated : 'the specific reason ( s ) your loan was not approved at this time is : Incomplete Application. 

In order to mark the application done, all fields that were deemed required had to be filled out and they were. OneMain Financial did not give me the opportunity to give them who they could get a consumer report from, they also didn't give me the name of the consumer reporting agency that they used. All of this information should have been in the communication that they sent, but the only information that I received was that it was an incomplete application. 

OneMain Financial requested that I call their XXXX XXXX XXXX XXXX XXXX at XXXX, and I have several times, but I have not received a call back. I am stressed out and feeling as if they are ignoring my concerns. 

Because of the violations I actually was unable to take care of personal matters due to OneMain Financial withholding the use of me extending my own credit. 
OneMain has violated the Equal Credit Opportunity Act.Pursuant to 12 CFR 1002.6 ( b ) ( 6 ) they never gave me an opportunity to present any information to indicate that the credit history being considered by OneMain Financial does not accurately reflect my creditworthiness. 
They have also violated 12 CFR 1002.7 Rules for extensions of credit, OneMain Financial shall not refuse to grant an individual
Product: Mortgage

Due to financial difficulties XX/XX/XXXX and XX/XX/XXXX, we applied for a modification to our mortgage loan with SunTrust. We went through the rigorous paperwork several times as the modification was denied several times unless " we sent more information ''. Through it all, I was assured more than once that the property would not go to foreclosure as we were in constant contact. Finally, we gave up and sold our home. SunTrust was paid immediately all back payments, fees and interest. SunTrust was notified almost daily of the progress on the house sale. THE PROPERTY DID NOT GO INTO FORECLOSURE! There is a comment on my credit report that says " Paid Foreclosure '' which is completely UNTRUE. Total misrepresentation and defamation of character - and it will show for 7 years?? This is completely unacceptable! Why would a large mortgage company ( owned by XXXX XXXX XXXX by the way XXXX take the time to publish this blatant lie particularly after we did our very best to save our home. And then did the right thing and sold it so they could get all their monies! They got all their money - why cause us more misery after the year of agony trying to keep our home. I have made it a point to repeat this story to friends and associates so as to protect them from SunTrust!! And I will continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I requested an investigation because I felt the item is not being reported legally, and I received documents dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX stating that their investigation was complete. XXXX  and XXXX claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. XXXX  has not sent any proof from any of the alleged creditors to proof this alleged debt. 

Notwithstanding, Under 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I have not ever given my consent to furnish these debts owed to me. Therefore, it is identity theft.