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

Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from XXXX XXXX XXXX XXXX ( XXXX ). 
As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my XXXX accounts from the website. I had not realized at the time that XXXX Mortgage kept separate addresses on file even though all records are accessed through the XXXX banking website, and because of this, the mailing address for the XXXX mortgage account was never updated. 

Sometime in XXXX, I switched to a different insurance company for the XXXX XXXX property and informed XXXX of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that XXXX force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, XXXX apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. XXXX also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to XXXX after which they issued a refund for the insurance and associated fees. XXXX also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.
Product: Money transfer, virtual currency, or money service

My cash app Account was closed with money in the account. I was not granted access to the account and my money was not refunded.
Product: Vehicle loan or lease

This is a complaint..but more so how can you scenario. How can banks, lenders, get away with charging high interest on vehicle loans? Your purpose is to HELP PEOPLE, Not XXXX them and set them up for failure. You feed and prey on high risk people such as my self. Deferring payments doesn't help. 13 % on a car that's not worth XXXX $ a month is ridiculous. While yes I signed the papers, I was desperate. High risk people deserve the same rates as those that aren't high risk. At XXXX 8 % on interest. But when someone asks you to lower their interest for at least 6 months, you should TRY to help them. Not defer payments and not punish them by threatening repossession. You Have No Idea What that person is going through and why they got behind. Maybe they're embarrassed to reach out or ashamed. Regardless, your job as lender is to help. If you're planning on charging high interest, you're better off denying the loan. Some us of are trying to better our credit and 13 % at XXXX $ a month isn't helping. Wells Fargo had to do a huge payout ... and they still haven't learned their lesson because they're still screwing people over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma giving hard inquiries to check if Im approved for pre-approved cards, also would apply for cards that said Id get approved for but Id get denied
Product: Credit card

XX/XX/year> I originally made contact with customer service using the number on that back of my Bilt rewards card. I was trying to get information on my credit boost application consistent denials without detailed explanation of why. They have many departments and I was sent to the credit card department that does not handle or can service Bilt rewards so-called benefits. I was told by a representative that Bilt rewards ONLY talks to their customers through a chat system. I eventually was connected to someone in chat named XXXX. I told her my reason for contacting XXXX and she gave me a prescript response like the last agent and Closed the chat Rudely without responding to my inquiry. Instead she said someone will contact me by email instead of her doing her job in answering my questions. This company has terrible customer service, they are not transparent with the way they do business. I attempted to speak with a supervisor or XXXX and the XXXX agent name XXXX same day at XXXX immediately close the chat and said she will relay the information to their supervisor instead of connecting me with the supervisor. These people don't like taking responsibility for their business practices. I want the CFPB to investigate Deceptive marketing used in all Bilt rewards so-called benefits.
Product: Money transfer, virtual currency, or money service

On the XXXX, i sent {$1300.00} through moneygram which was supposed to be received by recipients bank account in XXXX in XXXX. Money was never received so this prompted me to contact moneygram. 
On XXXXXXXX XXXX I contacted moneygram and they promised to have a resolution within 90 days. 
On XX/XX/ i received an email stating that an error occurred with the reference code and the amount was deposited on XXXX. But still then till now the money has not been deposited. I immediately contacted them and told them as well. 
On XXXX received an email from moneygram stating that my complaint is being reviewed by an analyst. I also sent them a copy of the recipients Bank statement to show that money had not yet been deposited. 
On XX/XX/ I received an email stating they have reached out to one of their locations to gather information related my complaints. 
On XX/XX/2024 I received an email that the investigation had been concluded and transaction was deposited to the bank account provided at the time of send, this was false. 
On XX/XX/2024 After several attempts to contact customer care, i got to the manager asking for proof of payment as evidence for that the investigation. As i have right to request to request the documents on which they relied in making their determination as Per " Remittance Transfer Rule of Regulation E,31 C.F.R.sec. 1005.33 ( d ) ''. 
On XXXX  I received an email stating i will receive the documents i requested for within 25-30 days. 
On XXXX  I received and email stating that they are unable to related to proof of payment document, i had requested. 
Even after all of this money has never been deposited. I have attached all the emails.
Product: Credit reporting or other personal consumer reports

I was advised by a TransUnion rep to fill out this report because of unauthorized fraudulent inquiries in my report, please remove all these Unauthorized inquiries on my report.XXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXate of inquiry : XX/XX/XXXXXXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I have called many times after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine. They never sent anything but still continue to report it messing up my credit costing me lots of money
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that do not belong to me they are not mine I haven't applied signed or used these accounts or know what they are for or who they are for. 

XXXX - Acct # XXXX XXXX  XXXX  - Acct # XXXX
Product: Debt collection

Capio partners calls repeatedly every day. They claim there is an old medical debt that is two years old. I have asked them to verify the debt or stop calling but they have not verified it and continue to call. I've had enough and they called today asking for personal information. I ask what this is regarding and they tell me a personal matter and hang up. I've called back several times and get hung up on everytime. Eventually I was able to speak with a supervisor that did not hang up on me and I paid the bill to try and stop them from calling. I still don't believe I owe that debt as I do pay my medical bills
Product: Checking or savings account

on XXXX/XXXX/XXXX a claim was initiated for fraudulent and unauthorized transactions on my debit card. This claim has surpassed a 90 day time period since XXXX/XXXX/XXXX and claim is still not resolved. Information regarding the theft of not only my funds but possible identity, have not been provided by the merchant and bank of america has no further information to provide nor has contacted me regarding this claim to this point.
Product: Debt collection

I have sent Rash Curtis and Associates 2 verification letters to include that they could legally obtain my medical records from XXXX XXXX. The first one was dated XX/XX/2018. Which I asked for documents showing that they can legally obtain my detailed medical information and verify that I agreed for them to charge 12 % interest on the alleged debt from the original contract. They could not verify that information. I notified XXXX and XXXX  about their lack in properly verifying the debt on XX/XX/XXXX. Sent Rash Curtis and Associates a second letter XX/XX/2018. Again, they were unable to provide the requested documents to show that I released my medical information to them and that they could legally have my information. I have also requested that information from XXXX XXXX. I have yet to hear back. Again, I have sent, today, XX/XX/2018, letters to XXXX and XXXX   about Rash Curtis and Associates and XXXX XXXX  inabilitys to properly provide me with that documentation.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my credit report that I did not make, I believe that they are due to identity theft, I do not recognize these inquiries on my credit report, I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received today letter from CBE Group claiming that I owe a debt from XX/XX/21 to XXXX ( not XXXX XXXX XXXX or any other legal entity ) in the amount of {$110.00} with an attempt to collect this amount. 

I have not at any time owed funds to XXXX. 

Research in XXXX forums reveals this is a common scam for people to receive when no such debt exists, as in my case. Many posts about this particular fishing scam are in the XXXX forums. 

It would seem that this letter is sent to entice recipients to just pay whatever debt they list in the letter to fraudulently collect on a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is erroneously reporting late payments on my credit report I have not made a late payment, this has caused my credit score to drop 120 points which is causing harm in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company regarding their violations of my consumer rights by furnishing information that is not allowed by law, in accordance with the FCRA. There are accounts listed on my consumer file for XXXX  XXXX XXXX XXXX that I have disputed with the company on more than one occasion, requesting physical verification and validation of this alleged debt. I still have not received any physical verification, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never ever gave and consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), late payments are to be excluded from a consumer report. There are late payments showing on XXXX XXXX and XXXX XXXX XXXX, that the company refused to remove.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. Inquiries that are in fact unknown/unauthorized and shall be DELETED IMMEDIATELY ARE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days. Would like for the reappearing already deleted items to be completely removed from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates : XX/XX/2022 and XX/XX/2022. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

On XX/XX/2020XX/XX/XXXXAcima sent a settlement email. I called on XX/XX/2020 and paid said settlement for my debt to be deleted and removed from my credit. The service advocate said that would be in 30 days. It has been past 30 days and I haven't gotten anyone to fix it from Acima.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number XXXX XXXX 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: Debt collection

I have had this phone number for about 5 months. I keep getting phone calls from United Finance. I have told them on many occasions that there is not XXXX here, but they still keep calling me. I have wrote them a letter asking them to stop calling, but I still keep getting calls.
Product: Mortgage

ICG Morgage took my 2 properties mortgage applications in XXXX. Since then they are non-responsive upon my numerous attempts to follow-up on ordering the appraisals and progressing my loans to closing. As I get closer to closing date which is after 30+days from the time of submitting all required documents to ICG, they informed me that the appraisal on 1st property is not even ordered and there is no way to close. I got extension from seller by discussing adjusting seller credit. ICG still continued non responsiveness and negligence on my loans regardless of my numerous attempts to followup this with multiple parties at ICG. Finally I realized in XXXX that they didn't even order my appraisal for which I submitted the application signed with credit card details on XX/XX/XXXX and as I follow up there is absolutely no update on the status. Finally my seller asked for termination as we have no idea when the appraisals will be ordered. Thus I terminated with a loss of my hard earned Earnest money and option fee. I found another lender for the 2nd property application due to this experience and asked ICG to transfer the assignment of the appraisal ordered. Upon numerous requests from me and my new lender, ICG fails to transfer the assignment. Their responses are rude, reckless and negligent. I'm really concerned that due to this bad lender behaviour which keeps repeating, I will be loosing Earnest money on the 2nd property as well. I have all documentation of my communication with ICG and their responses and lack of responses to my multiple follow ups since the beginning. I also have the loan originator at ICG who is familiar with the issue and admitted that this is bad and causing me pain and loss. I am prepared to loose my money for the 2nd time soon. But I don't want this to happen to other customers at ICG because there is no way a consumer would anticipate this outright bad lender behavior. In this competitive market, time is everything and ICG behavior is worse than unacceptable. Please help me solve this issue. Appreciate a quick response as time is of essence for my 2nd loan with estimated extended closing date for XX/XX/XXXX on the contract. Thank you very much in advance for your help.