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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit card or prepaid card

On XX/XX/21 I received an unsolicited Square Business Debit card in the mail. The card has my name on it. It was sent to my address. I do not have a Square account and have never ever dealt with Square for any reason. 

There was no other information included other than an instruction to " Activate your card in the Balance section of your Square app or web Dashboard ''. I looked up the Square website to compare the contact info on the card with the info on the site, however there is no contact info on the card except for a web address. There is also no phone number to be found at all on the Square site. I finally found the number on another site called " XXXX XXXX ''. I called and got Square Customer service and spoke with someone named XXXX. 

I explained to XXXX that I received a Square Business Debit Card unsolicited and that I was calling to find out what is going on. He asked me for my name and email address. I gave him my name but refused to give my email address. He said he could not look up " my account '' without the email address. It told him that I do not have an account. I am not a Square customer. I am simply trying to find out why your company sent me this debit card that I did not request. '' He asked for my date of birth. I again refused. He said he could not help me if I wouldn't give him any info to look up anything. I offered to give him the information on the card that his company sent to me, he said he couldn't look up anything using that info??? He then transferred me to another customer service group who he said may be able to do that. 

I spoke with XXXX who asked me for the same info. I repeated my response to him and asked why he needed any of my personal info and offered the info on the card that his company sent to me. He said he could not do anything without my name and email address. I reluctantly relented and gave him my email addresses. He said he could not find an account under either which is not surprising since again, I did not request this card so why would they have my email address??? I did not get an answer to that question. XXXX put me on hold 3x stating he needed to look into something. He finally came back and said he couldn't help me because he could not pull up my account. I told him again, " I do not have an account, I was sent this card out of the blue and I am trying to figure out what this is about ''. He put me on hold again and came back and asked for the last 4 digits on the card. I gave it to him. He then said that he would escalate the matter and that I'd receive a response via email by Monday ( today ). I have not heard anything from them. This is completely unacceptable to me. 

They should be able to look that up without any info from me other than what was on that card since they sent me the card in the first place. This is a very sketchy, shady situation and I do not appreciate it at all. I received zero answers from Square. I need answers.
Product: Credit reporting or other personal consumer reports

I have unauthorized credit inquiries on my credit due to identify theft, Ive submitted more than 3-4 documents each time supporting & equifax id the only one who wont remove them
Product: Credit reporting or other personal consumer reports

IT IS ILLEGAL FOR THIRD-PARTY NON AFFILIATES TO HAVE AND REPORT TRANSACTIONAL HISTORY ON MY REPORT. ESPECIALLY IF I HAVE NOT PROVIDED MY WRITTEN CONTENT. I HAVE NOT PROVIDED WRITTEN, NON-WRITTEN, VERBAL AND NON VERBAL CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX 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.

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: Mortgage

Valley National Bank holds the mortgage on my condo at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Loan number XXXX. ( Valley National Bank, XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX ). I am not sure if it is a conventional or FHA mortgage. 

Valley Bank converted to a wholly new computer system in XXXX, XXXX, which created an interruption of banking services for several days. At the same time, they switched from one loan servicing system to another for mortgage loans. Since the conversion, the due date shown for my next mortgage payment is wrong ( what is showing on-line and on the hard copy statements they mail to me ). It appears as though they did not credit one payment, though on the few occasions I have been able to reach a person in the mortgage dept. they have assured me that my records are correct and I am not late in any payments. They dont know why the on-line and statement records are wrong. Because of the system conversion, Valley was unable to produce a normal statement for a 3-week period spanning XX/XX/XXXX to XX/XX/XXXX. I made my normal monthly mortgage payment to Valley on XX/XX/XXXX. I think this is the root of the problem. For whatever reason, this payment, which covered the XX/XX/XXXX due date, did not result in the bank rolling the due date of the next payment forward to XX/XX/XXXX. I have since made additional mortgage payments, on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX but, as of this writing, it appears on their end that I owe a payment for the month I already paid. I do not. They issued a statement to me on XX/XX/XXXX showing that I missed the XX/XX/XXXXXXXX  payment. I want this records keeping corrected. It is very disconcerting to pull up my on-line banking records and see that a loan payment is overdue when it is not. Ditto when I receive a loan statement in the mail that is incorrect. At what point is the bank going to insist that I am late in paying my mortgage and levy a penalty?
Product: Debt collection

New collection agency old debt from gym membership that had been cancelled and company trying to collect on past due balance that did not apply. Second time complaint has been made about this same company. No written communication of debt has ever been sent just added to my credit report without notice.
Product: Consumer Loan

I have a vehicle loan thru XXXX. Being laid off from job, I was told that they do not refinance and i would have to find a finance company that will refinance. but due to the high interest, i owe {$13000.00} over the blue book value of the car and still not employed no one will finance the car. XXXX were nice to give me a deferment in XXXX till XXXX. However, since XXXX, I have called, left several messages and talk to representatives to be told I would be called back regarding the surrendering my vehicle process. I dont know what to do, can you help?
Product: Debt collection

Fraudulent Account in my Credit Report : XXXX XXXX XXXX XXXX ( Three Accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX This Account is Not Mine and They are affecting my credit
Product: Mortgage

Fifth Third Bank purchased my conventional mortgage from the originator. I was notified from the originator that Fifth Third would now be servicing my mortgage, so make future payments to them. 
My first issue was with setting up automated payments. Fifth Third does not offer an electronic way to do this ( I don't have any other accounts at Fifth Third, only my mortgage ). I had to print a PDF form, fill it out by hand and mail it it. There was also no promise this process would be done by the time my next payment was due. This is a completely unacceptable process for a bank the size of Fifth Third and in the year 2022, as every other mortgage servicer makes setting up automatic payments a quick and easy online process. 
After having my auto-payments set up and my first few payments made, I have now received and email from Fifth Third stating " We're reaching out to let you know that your account ending in XXXX requires prompt attention ''. I should not be receiving this email, as I'm current on payments and have no other issues. When attempting to contact Fifth Third, I have run into difficulties. There is no email for customer support, the chat functionality on their online banking site doesn't work as I haven't received a reply and the current wait for a phone call is over 30 minutes. All completely unacceptable customer support actions. 
I would love nothing more than having my mortgage transferred to a capable servicer with actual customer support.
Product: Credit card

On XX/XX/XXXX, I tried to use one of my Citizens credit cards to make a purchase online, but was blocked by a pop-up claiming that I needed to confirm a code that was sent to my mobile number. I do not have a mobile number. The number pre-filled ( or at least the last XXXX digits that were showing ) is my landline number ( the only phone number I have ). I tried to proceed, but did not get a call. I called Citizens and the representative I spoke with was clueless. She put me on hold to try to figure out what to do, but she took far too long, and the item I was trying to purchase sold out while I was waiting. Most online purchases I make ( and nearly all purchases I make with my Citizens cards ) are limited edition items that sell out very quickly. There simply is not time to call, wait on hold, and then deal with a representative, even if that representative is knowledgeable and gets the block removed quickly ( which again, was not the case this time ). In the past, I have been blocked by similar things that allow either a voice call and/or an e-mail to confirm, but it seems that is no longer the case. I messaged " XXXX '' from Citizens through their officiaXXXX XXXX  page, but she was of no assistance besides telling me to call and speak to someone if it happens again, which, of course, is the whole problem. I feel that this practice is discriminatory against those without cell phones, and that other verification options should be provided, as they have been in the past.
Product: Mortgage

Hi, I am documenting for a third time. I am STILL approved for COVID relief assistance ( which is coming to an end ) for XXXX XXXX I have had several calls with RIGHTPATH about accepting this ( despite them claiming I am not approved for the assistance? which is confusing because I had to internally escalate a CONFIRMATION from the relief dept to confirm this from saying my mortgage was claiming the opposite of their claims ). I have had now a handful of conference calls with RIGHTPATH with a HUD officer ( who has welcomed me to subpoena her logs, calls, and records if needed in the future ) where I was qualified to have the funds applied, then applied them and the balance difference as a back end second loan on the end fo the mortgage, etc. I have made several dozen of call back requests from RIGHTPATH without response. THey have been given now a total of XXXX letters of hardship from the ongoing pandemic. I have been through this process with them 3-4 times, since they have to redo it every 60days ... AND they have changed their rules per their shareholders request since my original ask. THere is more ... but my concern is that the longer they drag this out two things might happen ( which has been previously identified ), either the outstanding balance will exceed the 25 % for the back end of the loan ... OR the assistance program will come to an end without rightpath collecting the funds from them. I can attach copies of emails with the XXXX XXXX, HUD, and other agents contacted and consulted with rightpath if needed. I feel like I am consistently being lied to and there is a lack of urgency to resolve the problem
Product: Mortgage

My wife lost her job in XX/XX/XXXX. She received unemployment benefits until they were exhausted. During that time, XX/XX/XXXX, my wife was looking for work and ended up having serious health issues. After getting back on her feet and finding a job, things were spiraling downward consistently. We contacted Keep Your Home California ( KYHC ) in hopes for assistance with our delinquent mortgage. KYHC had a principal reduction program that we qualified for. We informed Loancare that KYHC was going to try and help us bring our mortgage current and work with Loancare to bring our mortgage down to an affordable payment for us. KYHC told us that they werent getting any responses from anyone, and when they did speak with someone, they said that the company was only willing to do a curtailment. KYHC told us that they needed our company to buy us out of the pool or sale our loan to someone who is willing to work with KYHC fully, because thats the only way that they could help us. Meanwhile Loancares Loss Mitigation Department was trying to come up with a solution for us, which was great, except it wasnt affordable for us, so we appealed. And when we called Loancare to try to get them to work with KYHC, it didnt go so well. So time lapsed and we lost the benefit of KYHC. One great thing is that KYHC said we could apply at a later date if something changed.

We applied, reapplied and appealed with Loancare, because the payments offered in the modification were still unaffordable to us and would have resulted in immediate failure on our part. We would have eagerly accepted and was hoping for a mortgage payment just a few hundred dollars less than the modification plan offered us. Through Loancares modification, they came up with a payment of roughly {$2100.00}, when it was roughly {$2600.00}. {$2100.00} is lower than what the payment initially was, however, it is at this time is still out of our reach. I work a full-time position and am XXXX XXXX. We are now being given the option to short sale or foreclose. And that is not what we want to do. 

We would like to know why Loancare, who is our servicer, cant communicate with the lender to buy us out of the pool or sale our loan as KYHC suggested. It would be great if an obtainable modification could be reached. We knew that we had to choose assistance from KYHC or Loancares Loss Mitigation Dept. so we made it clear that we wanted to go with KYHC because it offered more help to us, it was working on our behalf, keeping us in our home, with the goal of lowering our mortgage payment so that it would have been affordable for us. According to HUD, our lender should do everything possible to help us remain in our home. We are pleading with our servicer and lender. What seems like a really great option to us, they dont seem to want to consider. My question to them is why not? We would accept a lesser modification determination, something we could reach, without failure.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the same negative items that I previously raised with your department in my CFPB Complaint. 

Please see attached letter for the details.
Product: Mortgage

I have a mortgage with Bank of America. During Covid-19 Pandemic, I requested and was given a total of 18 months of mortgage payment deferment by the bank ( XX/XX/XXXX thru XX/XX/XXXX ). However when I resumed paying my mortgage in XX/XX/XXXX after the 18 months were completed, I noticed that the deferred amount shown on my mortgage statement is less than 18 months worth of mortgage payments. From my calculations, it appeared that they have kept the principal portion of those deferred mortgage payments in the original principal balance, and have only deferred the interest portions. I have contacted the bank several times, and have either been told to just wait, have been hung up on, or generally got the runaround with no clear answer or responsibility. I am ready to give up pursuing an answer from them and that is why I have contacted you. 

I want to emphasize that if this is not an error that will eventually be corrected, this action by the bank is very inappropriate and against what was promised to customers by the bank when customers requested mortgage deferments, and extended it as allowed by law for up to 18 months. The letters sent by the bank confirming every 3-month deferment period stated that the " mortgage payments '' will be deferred and not just the " mortgage interest payments ''. 

Please bring this to the attention of appropriate mortgage department managers at Bank of America so it can be corrected for all customers, as it is wrong, immoral, and may even be illegal for the bank to do this cunning maneuver so that they can charge customers additional interest on principal amounts that have already accrued interest and should have subsequently been placed in the deferred category.
Product: Payday loan, title loan, or personal loan

In XX/XX/2023, I received an email from PayPal stating that they would be shutting down PayPal Here Point of Service and that I needed to switch to XXXX in order to continue to receive their services. One of these services was PayPal XXXX XXXX. I was fraudulently less to believe that by moving to XXXX and amassing $ XXXX in annual sales that I would meet their requirements to qualify for working capital loans again. Having transacted that amount, I am still unable to access their working capital system despite 6 previous loans totaling {$45000.00}. I believe their practice is fraudulent, dishonest, and disreputable. I could have switched to another POS service had I not been duped into believing that XXXX was the same as PayPal Here. I'll attach the emails from XX/XX/2023 but the FAQs that originally were linked to those emails and promised XXXX would eventually count towards eligibility are gone. I have phone calls on record with PayPal assuring me that XXXX will be fine once I collect the money through their POS service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$24.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX/XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

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

I settled my debt with XXXX consumer in XXXX of 2021. During the process I was told that my account would be removed from my credit report following payment, as it is reporting delinquent. I had submitted multiple disputes through all three credit companies with supporting documentation. The reporting has been removed from my XXXX report but not from Experian and XXXX. Beyond the settlement, XXXX was subject to a lawsuit that agreed to delete defaulted loans, in which my loan meets the criteria. I am under substantial emotional stress as a result of this delinquent account.