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

Equifax refuses to properly investigate unauthorized inquires that i did not do after several attempts of sending letters and phone calls they refused to investigate according to the FCRA they have 30 days to respond also according to FCRA anything unverified or inaccurate it must be deleted. 

unauthorized inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT ALL NESSASARY DOCUMENTS EXPERIAN REMOVED ALL THESS INACCURATE ITEMS OFF REPORT EQUIFAX AND XXXX  STILL SHOWING THESSE ITEMS
Product: Debt collection

I was a cosigner on an auto loan with my ex wife and we divorced and it was stated in the divorce decree that she will take up the payments and be responsible for the auto loan. I remarried and applied for a mortgage loan and was notified that I had a repossession on my report from that auto loan. I called the auto loan company and asked them what i could do because I could not have that on my credit. I asked for the car back and they notified me that the cal was sold but not once did I receive mail or any call informing me about the repossession of the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$440.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX XXXX reported a hard inquiry on my Experian Credit Bureau on XXXX/XXXX/14. I have no knowledge of what this company is.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX I was issued XXXX $ from XXXX company called XXXX  as a payout through PayPal. 2 years ago they did exact same thing and I just gave up because PayPal is too ashamed I suppose to want to talk to you in person. They keep taking the money this company XXXX  sends me. I seen the receipt and I have pictures. They sent the payment twice. XXXX sent it twice. XXXX said PayPal should instantaneously put it in the account. My husband has had similar problems with PayPal not telling never telling you your money is deposited and never putting funds in my account so far Ive been taken for exactly XXXX XXXX XXXX $ of it is the complaint Im filing because PayPal is notorious for money in which disappearing after working hard. They say we have no record. My husband has had same problem which he was given his money from XXXX. I seen the receipt the first and second time ivuet sent the money XXXX XXXX  is not the culprit because its other payouts too. I had them send it XXXX on XXXX XXXX and today it was reset after I reached out to the company XXXX and PayPal claims all three times the money doesnt exits. This is norm And I want accountability and I want my money that I worked for and the errors with payouts. If they are even rrrors needs to be investigated and people need reimbursement for whats theyre and not PayPals to keep.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX ( account number : XXXX ) XXXXXXXX XXXX XXXXXXXX ( account number : XXXX )
Product: Credit reporting or other personal consumer reports

Under section 605B of the FCRA ( 15 USC 1681c-2 ), the reinsertion of information previously deleted from a consumer 's file due to being a result of identity theft.

Under 15 USC 1681c-2, if a consumer has previously notified a consumer reporting agency ( CRA ) of information resulting from identity theft and the CRA subsequently removes that information from the consumer 's file. This provision aims to protect consumers from having fraudulent or erroneous information reappear on their credit reports after it has been removed due to identity theft.

I recently noticed that a previously blocked account reappeared on my credit file. I did not have a contract for this debt and it was in fact a fraudulently obtained account. Block and delete account from my consumer report immediately. ( ATTACHED IS THE FTC REPORT AND POLICE REPORT FOR SAID IDENTITY THEFT ) XXXX Acct Number : XXXX Date : XXXX/2019XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in information through XXXX XXXX on XX/XX/2020 at XXXX XXXX. I clicked on Rate Genius 2.25 % for 48 months and continued from there. I never gave my full social security number to ANYONE. I used this chat feature on Rate Genius to ask how they could send me loan offers without running my credit because they didn't have my social. I wanted to make sure that this company would not do any hard inquiry on my credit, as I was just shopping around at the time and wanted to see what I could find. The person said " we don't need your social to get you approved. '' I looked today and I have received THREE hard inquiries to my credit score! What's worse -- the offer they actually sent over was a full 1.25 % higher than the " pre-approved '' rate. I reached out to Rate Genius and they said " you gave us express written permission to retrieve your credit when you clicked " continue '' on XXXX XXXX and Rate Genius. They never had my info to run it, so they somehow found it and ran it saying that I gave them express permission to do so! This is completely unacceptable and absolutely unethical. Tiny fine print that allowed them to make three hard inquires -- and the person from the company told me the social wasn't even needed to continue. This company should not be allowed to continue doing this to innocent people!
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive hundreds of credit card applications. TransUnion, XXXX and XXXX are selling my credit report as a prescreened offer. I have never gave permission for them to benefit using my credit.
Product: Mortgage

I will like to make a complaint against nation star mortgage, my mortgage originated with XXXX bank who sold my mortgage to nation star. In XXXX, I received my escrow analysis saying that mortgage escrow shortage which was a total of XXXX more a month when I called them they could not explain to me the reason for the dramatic increase in my escrow. I also mentioned to them I switched insurance which was cheapier then the prior year and I asked for another analysis. They told me it would be completed in a week to call back. I called back to follow up with them a week and half later and they said they still did not have the analysis ready to call back in two weeks. I called back in two weeks and they brought the escrow shortage down to XXXX something a month. I asked them to explain to me what happened to increase it by so much and still have not gotten an answer. XXXX XXXX taxes are XXXX a year and insurance is XXXX a year. I feel uneasy about this situation being that no one can clearly explain to me why the increase is so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. Specifically, I am disputing the following unauthorized inquiries and inaccurate account information : Unauthorized Inquiries : XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing any of these credit pulls and therefore demand that they be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ) Section 609. 

The FCRA requires that credit bureaus and data furnishers must investigate any dispute raised by a consumer within 30 days and report back to the consumer with the results of their investigation. Therefore, I request that you conduct a thorough investigation and remove these unauthorized inquiries from my credit report as soon as possible. 

Inaccurate Account Information : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX I never had any business relationship with any of the above mentioned companies and there is no way these accounts belong to me. Therefore, I request that you investigate and delete these unknown accounts from my credit report right away under FCRA Section 611.

Under FCRA Section 611, I have the right to request that you conduct a reinvestigation of the inaccurate information on my credit report. Therefore, I urge you to investigate these matters as soon as possible and take the necessary steps to remove these negative items from my credit report, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing this grievance to you with profound distress and urgency to seek your intervention as Ive exhausted all options to remove an inaccurate collection from Credit Management Acct # XXXX that has drastically affected my credit standing. I have been severely impacted by a billing error from XXXX XXXX ( XXXX ), which has culminated in an unjust collection notice being placed on my credit report, leading to a dramatic and unwarranted decline in my credit score. 

I subscribed to XXXX XXXX services from XX/XX/year> until I terminated the connection in XX/XX/year>. During the entire period of my subscription, I ensured that all payments were made on time through XXXX. Upon cancellation of services with XXXX, I went to a physical location of theirs to return the equipment versus mailing it in. I also confirmed that all dues were paid in full, trusting that XXXX would handle any remaining balance automatically. 

Despite my diligence in maintaining a flawless payment record, Unbeknownst to me, my account was sent to collections for {$120.00}, and to this day, I am not 100 % sure why or what its for. When I was alerted to the collection, I reached out to Credit Management regarding Acct # XXXX to question the nature of the debt. Due to my busy work schedule and the fact that it was a small balance, I was willing to address the sum but only if Credit Management agreed to delete it from the credit bureaus because it was not a valid collection, which they advised they would not do. This erroneous collection notice has caused a nearly XXXX drop in my credit score, severely affecting my financial standing and particularly my efforts to secure a mortgage for a home purchase. Before this incident, my credit score was XXXX, and it has now plummeted to XXXX. This unjust mark on my credit report has resulted in higher loan interest rates, translating to a significant and undue financial burden over time. 

Collections are not my area of expertise as this is the first collection Ive ever received. I am unfamiliar with the verbiage, laws, and guidelines of the collection process. All I knew is that I was unjustly placed into collections with no recourse. Credit Management LP referred me to XXXX XXXX, a credit repair company they claimed could assist in removing the collection. In desperation, I reached out to XXXX XXXX for assistance and paid them {$440.00} to help remove this inaccurate collection with no resolution. In hindsight, why would I be referred to a credit repair company to remove a collection when the collector stated they would not remove it? Is this even ethical? Clearly, this shows my desperation to resolve the matter as I was determined to regain the XXXX points to my scores that Ive worked very hard for, which were unjustly diminished by an inaccurate billing. This is not a valid collection and must be removed from XXXX, XXXX, and XXXX post haste to restore my credit standing.
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 XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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

My mortgage is currently serviced by Ocwen. Ocwen modified my mortgage loan in 2012 and reported a principal reduction of XXXX to the IRS. However, Ocwen never reduced the principal on my loan by {$220000.00} ... .they simply report that amount as a " XXXX waived balance '' ( see attached ). I was advised by Ocwen that even though they did not reduce the principal of my loan, the IRS advised them it was " OK '' to report the loss. Since I received a XXXX income statement for XXXX, it has caused major issues with my tax filings, due to the extreme income adjustment. Ocwen has refused to reduce the principal balance of the loan by {$220000.00}, even though they have reaped the benefits of the IRS tax write off. Clearly, Ocwen has violated Federal IRS Tax Code and is guilty of financial fraud. Ocwen has also issued forced placed hazard insurance ( HOI ) at {$3500.00} per year, which is very extreme based on the current value of the property. Ocwen has failed to prove up the force placed insurance policy, even though i have requested it on numerous occasions. This serious increase in HOI has bumped my pushed my escrow up to {$430.00} per month ( see attached ). Furthermore, the current HOI has refused to pay for the serious plumbing repairs that are covered in normal insurance policies. Overall, I feel cheated and deceived by Ocwen, so I am seeing your assistance on this matter.
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 process 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I started my student loans in XXXX. I am currently in PSLF. I do not believe my count is correct. I have spoken to Moehla about 15-20 times regarding my loans since XXXX of this year. They have told me to contact Federal Student Aid to inquire about the discrepancies. Mohela has acknowledged to me that I am missing payments and the update to my account through IDR one time update. Last Friday, I spoke to a customer service operator, and he asked me questions about my account and said that he does see that I am missing payments. He assured me that it would be fixed by Tuesday of this week. I contacted Moehla again on Tuesday. My payments keep coming back to me, but my account and routing numbers have not changed in over ten years. I finally sent them a check through my bill pay because I will be late on payment soon. The customer service operator told me that the previous customer service operator could not of told me the truth about my account because they can't see before XXXX ( the year that I signed up on FSA and they consolated my loans ). I was told to contact FSA again, which I did, but the operator would not offer me any assistance. I feel like both companies/ organizations are telling me to contact each other, both not offering any correct assistance to me. I downloaded my data off of FSA and it did show that I have over 130 months in repayment and over 48 months of forbearance. Any help that you can offer would be much appreciated. Thank you..XXXX XXXXXXXX
Product: Debt collection

This debt stems from the IRS. IRS contracted with the company XXXX XXXX XXXX XXXX. 
In XXXX I owed {$430.00}. I didn't pay the debt until XX/XX/XXXX. Since I didn't know what the interest that would be charged on {$430.00} so I paid {$500.00} figuring it would cover the amount due. 
The IRS claims I never paid my debt and so for two years the amount of {$430.00} had been steadily increasing. The IRS wouldn't return calls or letters. The IRS contracted with XXXX XXXX XXXX XXXX to collect the debt. 
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX, including letters from the IRS 's own debt collectors proving I had paid. My bank sent a letter with documentation that I paid. I sent in a copy of the IRS 's Direct Pay that showed I paid. 
When I contact XXXX XXXX XXXX XXXX -- every representative has a different way of interpreting the documents. 99 % have indicated I have sent the correct info to prove that I paid this debt, but the XXXX I spoke with today, indicated that SHE BELIEVES I still owe an additional {$490.00}! I asked what that was for and she said penalties. I asked what sort of penalties and she said she didn't know. 
I want the IRS to look at the documentation, admit they are wrong, and stop bothering me with debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Payday loan, title loan, personal loan, or advance loan

Grain has XXXX of reviews everyone is having the same issues. A few months ago they dropped my credit score from giving me late payments on my report even when I paid them. And then they did start taking payments because I was always set up for auto payment. I just received a message saying tomorrow my account will be late 30 days for some reason they have not taken a payment and decided to send a notice 1 day before trying to lower my credit again. I make good money have at least XXXX in this account so its not from lack of funds. They sent a link I clicked the link and got an error message and I havent been able to log into my account for a year.
Product: Debt collection

On my credit report I saw a debt that I do not owe. I wrote and sent a certified letter to them ( XXXX ) XX/XX/XXXX. They did not respond within the 30 day time frame. I disputed the debt to the 3 credit bureau 's XX/XX/XXXX. The company ( XXXX ) and debt was removed from my credit report. Then I received a bill from the debt collector ( XXXX ). A date stamped envelope with the date of XX/XX/XXXX with a bill ( XXXX ) of an account that I have never had. XX/XX/XXXX I noticed the same debt collection, this time from another company ( Enhanced Recovery ). I sent them ( Enhanced Recovery ) a certified letter XX/XX/XXXX, only to learn that I should have written to you when I saw that the debt collector transferred the debt to another collector. I have have my mobile services with the same company for 12 years ( XXXX ) with the same telephone number and have never switched companies at any time. Please find all supporting documents to this complaint. I an disputing this bill that I do not owe. I am reporting this company ( Enhanced Recovery ) that is attempting to collect a debt that was previously removed from the 3 credit bureau 's, I am proving that I am with the same carrier and do not have a past due balance with them from XX/XX/XXXX and have never had another account with the same phone number. Moreover, this debt was erased from my credit report and should have never been transferred to another company. I thank you in advance for looking into this matter. XXXX