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

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. The following accounts need to be deleted : XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX I have several hard inquires on my credit the need to be removed. I was in the hospital and found out only recently that someone was using my ID information to apply for credit without my knowledge. Please remove the following inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my identity was used to obtain fraudulent account and credit cards. A large amount of my information was exposed in recent data breaches. This resulted in fraudulent account listed on my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I requested a funds transfer from my Robinhood brokerage account to my checking account. I initially selected the 4-5 day transfer option, but when I clicked " continue, '' a second window appeared and automatically switched the request to an instant transfer. I mistakenly submitted the request before realizing the switch, resulting in a {$38.00} fee from Robinhood. When I contacted customer service, they refused to refund the fee. The apps setup for transfers seems designed to mislead customers into selecting the instant transfer option, even after theyve chosen the 4-5 day transfer.
Product: Credit reporting or other personal consumer reports

I recently disputed XXXX XXXX XXXX from my credit report and it has reappeared on my report again. This violates my rights under the FDCPA. I also noticed two XXXX XXXX XXXX  accounts on my report that dies not belong to me. One was opened in XXXX of XXXX, and the other XX/XX/XXXX. I have never had a XXXX XXXX XXXX  credit card in my name.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Mortgage

I called Selene finance to inquire about an issue I faced with them in the past regarding my mortgage. While inquiring about this issue they stated I needed to pay for the month of XXXX. I Proceeded to tell the representative i was talking to that i had already paid them for the month of XXXX. The rep said please send in your proof of payment which I did. I sent them my bank statement showing proof of the funds drawn from my bank account. The representative I spoke with who informed of this late payment was also very pre occupied it seemed and disconnected the line after I told her I emailed the bank statement. I then called back and I spoke with a different rep, he informed me no it isnt XXXX payment they I missed, it was in fact the XXXX payment. I again told him this was impossible it shows on my XXXX bank statement that the money was drawn from my account and I proceeded to again send them this statement via email. Then my partner, XXXX XXXX called them with me on the line as well, and we spoke with a different rep. This representative informed us that it was in fact XXXX payment that was missed so they credited the payment I made in XXXX for the missed XXXX payment. I again informed them that this was incorrect and that I would send in proof of payment using my bank statement. Before they could tell me no it was XXXX at this point I was so frustrated I just sent them the XXXX and XXXX bank statement and I had already previously sent them XXXX and XXXX statement as well. Do to an error on Selene Finances part I now have two reported 60 day late payments on my credit report with all three bureaus, from 2022, and now a new 30 day late payment reported on my credit again to all three bureaus as well do to Selene Finances error. I want Selene Finance to recognize the damage they have caused me and remove all of the reported late payments from all three credit bureaus. Two of the mentioned 60 day late payments they reported in 2022 I made a complaint to consumer financial protection bureau about in order to get Selene finance to even respond to me and agree to fix, but they never did fix it.
Product: Debt collection

Ive been getting repeated phone calls from Phoenix Financial threatening me to pay {$1000.00} or they will put it on my credit report. 

I dont know this company never done business with this company this company do not have any contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Equifax and XXXX  According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you will read the documentoon that this creditor sent to me that showed that did have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly, the status is different on each other - look at the attachment from Equifax and XXXX- the status if it is a collection thats all You can list - one word - you cant list collection twice in two separate entries you idiots! collections is a status, medical debt is the type of collection this is. 

You better fix it or deleted it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent inquiries that have appeared on my TransUnion credit report. As an XXXX  and XXXX individual, I have encountered six unauthorized credit inquiries on my report, which I did not initiate or authorize. I have already filed a report with the Federal Trade Commission ( FTC ) regarding this issue, but I require further assistance in resolving this matter. 

Description of the Issue : Upon reviewing my TransUnion credit report, I discovered the following six unauthorized inquiries that were made without my consent : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have negatively impacted my credit score and my overall financial standing. As someone who depends on good credit for financial stability, this situation has caused me significant distress. 

In response to these fraudulent inquiries, I promptly filed a report with the FTC ( Report Number : XXXX ), and I contacted TransUnion to dispute the inquiries. However, despite these efforts, TransUnion has not resolved the issue. The fraudulent inquiries remain on my credit report, and my attempts to have them removed have been unsuccessful. 

Consumer Rights Violated : I believe that TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ), including : 1. Right to Accurate Credit Reporting : The FCRA guarantees my right to an accurate credit report. The presence of unauthorized and fraudulent inquiries constitutes a violation of this right. 
2. Right to Dispute Information : The FCRA allows me to dispute inaccurate or unauthorized information on my credit report. TransUnions failure to address and rectify these disputes violates this right. 
3. Failure to Investigate : TransUnion is obligated under the FCRA to conduct a reasonable investigation when a consumer disputes information on their credit report. I believe TransUnion has not fulfilled this obligation, as the fraudulent inquiries remain unaddressed. 

Important Note : While I am seeking the removal of these unauthorized inquiries, I do not want a fraud alert placed on my credit report. A fraud alert is not necessary in my case and could complicate my access to credit. I am specifically requesting that the removal of these inquiries be handled without placing a fraud alert on my credit report. 

Impact : These fraudulent inquiries have resulted in a lower credit score, which could potentially lead to higher interest rates, denial of credit, and other financial challenges. As an XXXX  and XXXX individual living on a fixed income, this has caused me undue stress and poses a risk to my financial well-being.
Product: Mortgage

I am a homeowner who had a fire on XX/XX/2016, complete rebuilding of my home, XXXX XXXX held my money, then later sold it to Nation Star Mortgage out of XXXX, we had an inspection 5 weeks ago and they will still NOT release our money to keep building. I am from XXXX and the weather conditions in the northeast could really hurt us if we do not get this finished, we were written up at that time being XXXX % done and we gave Nation Star everything they have asked EXCEPT the contractor 's license because in the state of Massachusetts the homeowner can be the contractor and sub contract everything out, they said flat out they will NOT release my money to me unless we hire a licensed contractor. In my opinion, this fraud, extortion, they have no right to hold MY money. They said it was their policy but they had no proof to show us, even if it was their policy the XXXX law states we do not need a license. XXXX who had our original mortgage when the house burned, had no problem releasing money to us. I do n't know how Nation Star can get away with this ... .we have lost time from work my husband put his job on hold to get this house done before the cold weather comes and NOW we have these people just hold our money just because they want to .... we are at our wits end and do n't know where to turn, please help. I have had XXXX since the fire, my husband probably will not have a job to go back to because we are now 8 weeks behind schedule and my children have been jeopardizing their jobs to try to call these people ( who customer service speaks hardly any English ) I have never been late for a mortgage payment. I have a high credit score and now they are forcing me to make bills that I should n't have to make now.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information on my credit report. I have filed a police report and have forwarded it and they still continue to report this inaccurate information. They also will not allow me to file my dispute on line.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This account does not belong to me and was opened fraudulently or belongs to some one else! 


XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened a TD Bank account on XX/XX/22 and funded it. On XX/XX/22 I was locked out my online access. After calling in I was told it would take 24 hours to unlock the account. It has been way over 24 hours at this point and I still can not access my account or funds.
Product: Student loan

When i had started XXXX for my XXXX degree XXXX in 2013, XXXX had told me i owed them money and in order to start classes i had to pay XXXX so i was told i can apply for a loan through Genesis Lending i was told i would not have to pay any loans from Genesis until i XXXX a couple of months later i started to get calls from Genesis on regarding paying my loans and told me i was given false information on paying the loans off. After the first loan XXXX had told me i owed them more money and the first loan was accidentally taken for only {$1700.00} and i owed XXXX over {$2500.00}. XXXX had taken out another loan through Genesis so i can continue my classes and i was told if i do n't pull a XXXX loan i will dropped from my classes. i was given false information about paying the loans and i was given false information on how much the loan amount was.
Product: Mortgage

I have applied for loan modification with Ocwen Loan Servicing back In XXXX of last year ( XXXX ). Throughout this process, they kept losing my documents and kept asking me to resend everything to them over and over again. They would make appointments for my relationship manager to call back and often they were either late or someone else who did not know much about my situation would call back. 
Every time I would submit whatever they have asked for I would get emails asking for the same stuff over again. Finally after taking over 6 months to process everything they told me everything has expired and I have to start all over. I had contacted them again and my Relationship Manager said : Dont you worry Sir, I will fill out paperwork again for you and all you have to do is esign it electronically. So that was done in the beginning of XXXX. Then I called her again and she told me everything is complete, it all looks excellent and you should get your modification within XXXX to 60 days. That is how we left it off. 
Needless to say I received XXXX letters from them shortly after : XXXX dated XXXX/XXXX/16 - Your File is complete and decision will be be made within 30 days XXXX dated XXXX/XXXX/2016 (!! 1 day later ) Your Loan Modification is denied because I did not show enough hardship???? - keep in mind their relationship manager filled out my paperwork in XXXX ( or somewhere off shore ) - and I have I have only XXXX options that they approved me for. ( short sale and deed in lieu of foreclosure ) XXXX letter dated XXXX/XXXX/XXXX (!! XXXX more day later than that ) - stating that Loan Modification is denied and there are NO OTHER options available As you can see, they have completely show here that either no one even reviewed anything in details ( XXXX letters in 3 days span ) or they have no intentions to grant modifications to anyone, never mind I was given illegal neg amort loan with robosigning and MERS. 

Yes true I received XXXX modification through HAMP before, but my spouse was XXXX after that and our lives were changed upside down after that event. She ended up having 6 months XXXX. This process required a lot money spent for co pays and services that were not covered by the insurance company. 
It is all better now and I am able to start making payments per terms of my original modification. However, OCWEN LOAN Servicing is acting in bad faith and not willing to even listen to me. 
I hope that CFPB can interfere and make things right here, I want to start making payments and put balance that I owe to the back of the loan. Please see what can be done!!! 

Thank you!!!
Product: Debt collection

Old credit card went into collections Stegner and Stegner began collection attempts, Contacted the firm and offered a settlement, they stated they could not settle for two weeks, but to pay them XXXX to show Im working with them. Called back two weeks later offered a settlement they declined, said they needed to review with the attorneys. I was sent a demand letter to pay or they would put a judgement in my name. On XX/XX/XXXX I received summons one usps,  and summons 2 certified mail, both back dated court documents on the same day. I paid the company in full on XX/XX/XXXX via cashiers check with XXXXXXXX XXXX tracking. I confirmed they received my XXXX XXXX   with my cashiers check via phone and tracking. Company stated they will send out a XXXX balance to my address. On XX/XX/XXXX at XXXX, a process server served my address with a third summons. Stenger and Stegner is violating federal collection laws by continuing to  harass me with legal recourse in person on a debt that is paid in full. I have proof of delivery of my cashiers check, proof from the bank it was issued and a phone conversation that they received my payment. Something needs to be done regarding they illegal collection attempts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection Ace ( CFPA ). Specifically, Cash App failed to take the 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX BOD XX/XX/ SS # XXXX SPS Serving has not updated my mortgage pay off and this is affecting my credit. 


They are the worst mortgage company. they would not help me to refinance my mortgage. I had to find another mortgage company XXXX XXXX and they were very helpful with my re-finance. The mortgage has been paid for two weeks and still they send me letters that my mortgage has not been paid. 

Solution : update my mortgage as paid off and stop harassing me for none payment.