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

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 or other personal consumer reports

I discovered errors in my credit report, specifically unauthorized hard inquiries. These should be removed under 15 USC 1681c-2.
Product: Debt collection

Since XX/XX/year> Midland Credit Management has been calling and sending me letters about a debt they have yet to validate. I expressed to them to stop calling my phone I had to keep blocking several numbers after repeated harassment. They kept sending me bills of said debt which they never validated, on XX/XX/year> via certified mail I asked them to send me validation that such debt belongs to me as I have had several other companies and debt collections agencies try to contact me about said same debt. Thirty ( 30 ) days later they responded with another bill and bill history from the original creditor but not the validation information I requested. 
The debt was also already charged off. I also contacted the original creditor for a copy of the 1099c as I am no longer employed and living off the government assistance since my husband passed.
Product: Mortgage

We took out a US Bank mortgage loan approximately 15 years ago. The terms of the loan were monthly principal and interest payments of {$320.00} per month. The loan had a provision that there would be a balloon payment for the balance at the maturity date of XX/XX/XXXX. At that point, we attempted to make payments, but eventually they were not accepted. 

We completed a loss mitigation package in hopes of getting the mortgage modified. US Bank responded with the following approved option : 40 payments of {$1100.00}, interest rate of 5.5 %. Payments were to begin on XX/XX/XXXX with a loan end date of XX/XX/XXXX. Based on our income and current monthly expenses, we will not be able to make this payment. We have appealed the decision and are awaiting a formal response from US Bank. 

We want to keep our home and not lose the home to foreclosure or some other liquidation options. We are hopeful that US Bank will look at other options that will work for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} late payment XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX  XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX
Product: Debt collection

my truck was totaled insurance is supposed to be handling this.. told debt collector on XX/XX/XXXX the vehicle was totaled ... ... ... I was told to XXXX out and they would contact my insurance ... .I have repeatedly told them they need to deal with my insurance ... ..they will not respond or take this information ... ... .My insurance has contacted them ... or supposed to ... .I need something done to stop this harassment ... Ally is the debt collector on debt # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is my dispute letter sent to the creditor along with the important dates : ************************************************** Hello, I will explain the timeline of events below and why I feel that I should not have a delinquency on my credit report. 
XX/XX/XXXX - My monthly payment is normally {$340.00}. I was behind a month so I paid {$690.00}. My bank account was charged {$1300.00}. 
XX/XX/XXXX - I notice the over payment and call to have {$690.00} refunded to my account. They tell me it takes 30 days to process I should see funds by XXXX XX/XX/XXXX - I notice my account is still showing delinquent even though they are in the process of refunding my money. I ask and they say it never got processed and that it would be another 30 days to receive funds. At this point I tell customer service to not write another check. I told the representative to cancel the refund and credit my account. The {$690.00} would have made me current up to XXXX so this made the most sense to me. They tell me it takes 7-10 days to cancel but the account will be current and there will be no late fees. 
XX/XX/XXXX - My grandmother gets a harassing email. I check on the account and they say I am 70 days delinquent. I asked what happened to the refund check cancellation and account credit, they tell me that didn't happen and that they wrote a check for the refund on XX/XX/XXXX. When I asked why they wrote a refund in XXXX even though I cancelled the refund in XXXX I received a no answer XX/XX/XXXX - I make a payment of {$340.00}. I believe this payment should be for XXXX, however since my account was never credited this payment went towards XXXX. 
XX/XX/XXXX I make another payment of {$340.00}. I believe this should be for XXXX, it went towards XXXX XX/XX/XXXX I finally receive the refund check. 
XX/XX/XXXX my credit repair representatives notify me of a delinquency showing up on my credit report. I call XXXX and the representatives tell me to fill out attached dispute form. Also, I pay the remaining {$690.00} the same day In summary, I would like to have the delinquency removed from my credit report since your representative assured me that my refund check would be cancelled and my account would be brought current on XX/XX/XXXX. For some reason that did not happen and I do not feel my credit report should reflect miscommunication from your organization. I have been working very diligently on repairing my credit report and this delinquency is cause severe damage to my credit. Thank you for reading my dispute and I look forward to hearing from you with a resolution. 
************************************************* Below is an updated time line of the dispute : XX/XX/XXXX I was working with a company called XXXX XXXX XXXX and they were to fax my dispute letter in XXXX. I never hear a resolution. The email directly to XXXX regarding the status occurs on XX/XX/XXXX XX/XX/XXXX I receive a dispute response from XXXX and they deny my dispute and take no action. I now file a complaint with the consumer financial protection bureau.
Product: Credit card or prepaid card

I'm an accountholder with Elan Financial Services through Desert School Credit Union in Arizona. I was scammed out of {$1000.00} by a fraudster for services I did not receive in the amount of {$1000.00}. I immediately contacted Elan on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute the charge on my account and spoke with the following people at Elan : XXXX ( ID XXXX ) ; XXXX ( XXXX ) XXXX  ( XXXX, XXXX, XXXX and XXXX. One told me I would receive an immediate provisional credit within 2 hours so I can hire a licensed and insured contractor immediately to help with plumbing emergency and to call back in a few hours if I did not see the money back in my account which I did not receive as promised, another told me my case processor was assigned by the name of XXXX who is the only one who can process the credit and will call me today which she did not ; another told me I did not have an assigned case processor assigned, did not know who XXXX was, another told me XXXX was placating me about the provisional credit in 2 hours to get me off the phone and tell me what she thought I wanted to hear, another told me there was no one in the fraud dept. above her to resolve my concerns, that she was the supervisor with no one above her she reported to so she could not provide a name, and my only option was to submit a complaint in writing to Office of the President, XXXX. XXXX XXXX, XXXX, ND XXXX, that there was no phone # or fax # for the office of the President to get faster relief given my emergency. I was talked over, yelled out, disrespected and told I was misinformed and it is what it is by all of these employees at Elan. These calls are recorded, I have lots of notes. I never received the funds back today as promised and the new licensed contractor arrived at my home to fix the problem with the expectation I would have the monies back in my account provisionally credited while the investigation was opened and I provided supporting documentation. I was chastized by XXXX, the last person I spoke to who told I am no one special who deserved an exception, I was misformed by all the other people, and must succumb to their process despite being misinformed and will ensure all those people are properly trained. I said how dare you speak to me that way. I am a customer, not a utility company. She said I will need to wait up to 10 business days for a provisional credit, no guarantee or I can file a police report and file criminal charges.I have lots of documentation to press criminal charges and no one at Elan was willing to sympathize or help me. A lot of misrepresentations were made to me by numerous people yesterday and today at Elan Financial Services, and I'm a senior with health issues and deeply stressed over how I was not helped and treated by Elan. I'm not sure where else to turn to get this resolved. Is this company not regulated? How can they treat their customers like this with no accountability. Can you help me please?
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer tried to access my consumer report online through freeannaulcreditreport.com and on Transunion.com and I have been unable to access my consumer report online. I contacted TRANSUNION several times on XX/XX/21 and XX/XX/21 to address this issue. After talking with several agents in the online department, the consumer relations department and the fraud department no one helped me and I was told they don't know what the issue is. I have been given the run around and TRANSUNION is blocking me from accessing my consumer report online. I am being financially harmed and this credit reporting agency is breaking federal law and infringing on my right to access my consumer report online. This has been very frustrating and time consuming. I should not have to go through all of the hurdles and gimmicks of being transferred between internal departments just to be told they don't know what's going and they can only send my report to me by mail. This is intentional and willful noncompliance to block me from accessing my consumer report online. I have not had any problems with accessing my consumer report online until after I begin to do complaints with the CFPB about them committing identity theft and reporting information that I did not give them consent to report which infringed on my right to privacy.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to find an unauthorized inquiry on my credit report, and I have no idea why it's there. I routinely check my report, but this time, I noticed unexpected discrepancies. Hoping it was just a glitch, I refreshed my browser, but the issue remained. This is extremely frustrating, and I need this matter resolved immediately. Please review the documents Ive provided thoroughly so I no longer have to deal with this unnecessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. Thank you. 
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

XXXX XXXX Client Resolution Senior Specialist no contact main phone number is forwarded to the XXXX, and they have been given non-working numbers to give to customers seeking credit disputes. 

I received a letter with my transaction history, Which it wasn't because I there were different between all 3 bureau SEE CFPB Case : XXXX and was told my information was reported as accurate and a charge-off, but I have not received a 1099C
Product: Debt collection

Constantly calling my mobile phone number [ XX/XX/17 @ XXXX XXXX, and not communicating with me at all when asked the nature of their business. Complete silence from beginning to end, they hold my phone line hostage and eventually hang up. The phone number they call from is supposedly a non-working number, so you can not return the call from the number they call you. They know they do n't have my permission to call me via mobile and may have call my place of employment. I berated them for calling between XXXX XXXX and XXXX XXXX. 

You must use a different phone [ landline ] in order to " ferret them out '' .Their initial tactics was 'robo-calling, ' that did n't work out for them. They are very uncooperative and never customer friendly. They refuse to answer questions posed to them. I had to fight to get their address of record.
Product: Credit reporting or other personal consumer reports

There seems to have been a billing error with my banking company which led to a late payment for the account XXXX XXXX. I have attached the letter from XXXX to XXXX bank informing them of this error. I was informed to send a letter or dispute to expedite the removal of the late payment since this has been ongoing. According to the FCRA this incorrect late payment reporting in XX/XX/XXXX ' is to be removed due to a billing error. I sent a dispute letter over 8 months ago and this information is still reporting. I will attach the letter that was sent XX/XX/ which is dated and time stamped. Please update this account to paid as agreed, never late. I have attached all relevant documents.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I was scammed on ecrater.com from a company they had posted on their site. I bought a XXXX for XXXX through paypal. Which the site took down there website. I emailed them to give me a refund immediately and I also let pay pal know and followed there steps to get my refund. They denied my claim. They are letting people get robbed by scammers by allowing them to use their site and deny us the protection we deserve. Ive had a pay pal account for years and this is unacceptable business practices. They say they protect us from fraud. You can even get help from a live person. They take forever to respond and something needs to be done
Product: Checking or savings account

By the negligence of the JPMorgan Chase Bank, N.A. mine and my daughter 's accounts were charged triple time on the a fake copy of the same check number for different amounts. It means the bank security system is completely below any standards, outdated, and unsecured. This I found out later. I immediately went to the bank branch, to try to stop any illegal activity on our accounts, but the bank allowed somebody to continue to rob our accounts for another couple days. Instead, they stop any scheduled payments I have. I now have problem with my life insurance company ; which I paid automatically for the last 24 years, and my gas, water, and equity loan scheduled payment. Because of " paperless, '' I can't find any of the companies I had payment scheduled for to let them know about the problem, and find the way to restore the payments. Also, because of my unpaid payments, my excellent credit score goes down. The amount of stress from this whole situation has caused serious health and financial problems that later prevented me from being able to work. I got late charges and loss of work because of the banks incompetence.
Product: Checking or savings account

my bank account and all of my money has been locked by chime bank. At first I received an email from them saying there was suspicous activity on my account so I immediately called chime and was told that this was a scam because it came from chime outreach and there was no such email address associated with chime only XXXX so I did what I was told and disregarded it. Then my account was frozen so I contacted them again and submitted everything they asked for XXXX times over the last 8 days with no response or support other than an automated acknowledgement email. I have called 6 times trying to get it resolved and they tell me they have received everything will unlock it after reviewing it on support end but nothing has been done and I am working full time and I am a full time student and I can not buy gas or food or anything else. I have changed my future direct deposits but I get paid byweekly and have a whole week before I get paid again. This is my money not chimes.I have done everything over and over again with no avail.I need my money to survive on.Please help me and stop chime from doing this to other hardworking people. Respectfully submitted XXXX
Product: Credit reporting or other personal consumer reports

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. 

I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of any fraud activity on accounts listed on my consumer report.
Product: Mortgage

I have been dealing with Shellpoint mortgage for a whole year. My loan was transferred to them from XXXX. When my mortgage was transferred, my monthly payment went up {$100.00}. I have been working with XXXX XXXX which is a service that is appointed by the state of NC that assists when you are behind in your mortgage. They send in all paperwork for modification and handle all aspects. I had health problems so I fell behind in my payments so XXXX which is my counselor at XXXX XXXX helped me complete my paperwork for modification and sent everything into Shellpoint and XXXX because I was transitioning to Shellpoint at that time. 

The person working with me at Shellpoint initially was XXXX XXXX then it switched over to XXXX XXXX. I was initially told that all of the documents were not received, so XXXX sent them in again as well as updated income documents. 

A few months went by and still no response from Shellpoint in terms of the modification then we were affected by COVID and my whole state shut down. 

I had been talking to XXXX XXXX and she told me that she didn't know anything about the information that was discussed prior to my case being transferred to her. She claimed she didn't even know that we sent everything in and that her point of contact for my file was XXXX XXXX. This company has been giving me the runaround. They did a forbearance on the property but XXXX XXXX didn't even bother to tell me that it was approved. I have sent multiple emails that were never responded to as well as called but I can never get anyone on the phone. In fact one of the few times XXXX XXXX responded to me, she claimed that she called me in the middle of the emails but I was messaging her from my cell phone and my phone never rang. 
I think this company is not doing what they are supposed to in regards to helping the consumer. A modification should have been completed a long time ago because they had all of the necessary paperwork that was sent in by an agency working for the state of NC. 

I have been doing everything in my power to save my home, especially during this pandemic but this company doesn't even want to follow the procedures put out by the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$30000.00}, XXXX XXXXXXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$690.00}, XXXX XXXX XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

The information on my credit report doesn't belong to me. I am a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX {$35000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX ( late payments ) Experian Credit Report XXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$35000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX {$35000.00} XX/XX/XXXX Inquiries Creditor Name Type of Business Date of inquiry XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Back to Top Public Information