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

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : GXXXX 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 The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

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

Several times, I notified OneMain Financial about this account. I emailed the President/CEO of the company and VP to request to have this account removed from my credit report. I've showed more than enough information explaining that this company stole my vehicle by having it towed instead of returned to me per previous correspondence saved on this site. This company has not only reported late payments, but also tried filing a repossession against me. How can you file a repossession when their XXXX XXXX, La branch manager had my vehicle towed and the company refused to locate it and return it to me as promised ( again in previous correspondence ) on this site.
Product: Mortgage

XXXX XXXX purchased our mortgage in XX/XX/XXXX. Our insurance and taxes at this time were escrowed. In XX/XX/XXXX I received a letter saying our insurance hasn't been paid, at that time I assumed the insurance was going to be paid before the cancellation date of XX/XX/XXXX. On XX/XX/XXXX, I received another letter from our insurance carrier ( XXXX XXXX XXXX XXXX ) that XX/XX/XXXX is the final day for payment or we would be cancelled. I called XXXX XXXX  spoke with XXXX ( a supervisor ) he said he would take caf of the problem it was an " internal issue '' and it would be taken care of. They were waiting on approval from their insurance department. I assumed it was taken care of only to have XXXX XXXX XXXX email me to ask about new insurance. I then purchased new insurance but withheld payment until I spoke with CMG. On XX/XX/XXXX I spoke with XXXX from CMG and told her they needed to pay for the insurance because they have my money. She agreed they dropped the ball and have XXXX XXXX XXXX send them an invoice they would pay the bill. On XX/XX/XXXX XXXX XXXX XXXX sent the invoice with proof on insurance to CMG for payment. As of today XX/XX/XXXX the bill has not been paid and its about to expire on XX/XX/XXXX. I called CMG on XX/XX/XXXX at 8:30am spoke with XXXX ( supervisor ) he stated they received the proof of insurance on XX/XX/XXXX ( not true ) and he would process the request and it would take 3-4 business days to issue a check and it would be overnighted. This would put us outside the window and XXXX XXXX XXXX will cancel the policy. I have spent over 3 hours on the phone over the last 1.5 months only to listen to lies about my money and my insurance. I have since left my Credit card with XXXX XXXX XXXX incase the bill is not paid by XX/XX/XXXX. I should not have to do this. Also, because of lapse of insurance my premium increased over XXXX a year. XXXX XXXX XXXX direct line XXXX ext XXXX. This truly needs to be investigated. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX I was denied credit based on information obtained from XXXX  , XXXX. I did not receive notice of which CRA was reporting derogatory information until the first week of XX/XX/XXXX. Since my scores with XXXX, XXXX and XXXX are all in the range of XXXX-XXXX, I was shocked to see unknown XXXX , XXXX reporting a score of XXXX. 

I visited the XXXX web site which offers service ONLY by mail or fax, no ability at all to access any information electronically. The website suggest to call them for immediate assistance. I did call, over 15 times. I was never able to reach any human, but was only able to leave voice mails : 15 voice mails I left, and no one ever returned my calls. Their outgoing messages provide only a circular reference to their web site. 

On Monday XX/XX/XXXX I faxed my information to XXXX at the fax number indicated on their web site and on the credit denial notices. I requested a freeze on my account. I requested to permanently opt-out from XXXX sharing or selling any of my data. I requested a free copy of the data they are reporting about me and included a copy of the denial letter displaying XXXX as the reason for the denial of service. 

On Saturday XX/XX/XXXX I received an UNSEALED envelope from XXXX XXXX. That envelope contained the notice that they have received my opt-out election. Also enclosed was notice that a freeze has been placed on my account and the PIN number required to manage the freeze. No credit report was included. Pages from the other documents were out of order, some upside down, some were folded with the back of the page facing up ; obviously, someone went through the documents during transit in the mail. Or maybe XXXX is just that incompetent and negligent to shuffle pages of documents they mail. 

I repeat : the envelope was UNSEALED. The letter was open, had NEVER been sealed. This means that XXXX XXXX has now shared all my sensitive personal information with anyone and everyone between XXXX XXXX CA and XXXX TX. They have shared the PIN number to manage my account. Since the credit report I requested from them was not included in the open envelope, I have to assume this means they enabled someone to steal my credit file information, social security number, date of birth, and all other sensitive personal information. 

As soon as I received the envelope and realized XXXX had negligently compromised security I once again tried to reach them by phone. Still no one answers their phones and no one will return my calls.
Product: Mortgage

I have XXXX sub-prime loans with Wells Fargo Bank. XXXX loan that I owe I have been paying. The other loan which I believe is fraudulent is behind in payments. Wells Fargo has sent an intent for foreclose based on the loan that is behind in payments. I understand that but they also have reported the loan that is not past due in foreclosure and added additional charges to my last XXXX statements based on their procedures to foreclose. They have also reported my account that is up to date and current past due. The additional charges they have place on my loan that was current have cause the interest payments at 8.6 % daily to increase making the amounts I submit for payment less on my loan and more in fees and interest. Can they do this on a seperate loan and still charge me fees on the one that is past due. Since I have asked the numerous time to combine the loans and they refused - seems strange to me how they can put charges from XXXX account on to a seperate account if they are not connected?
Product: Credit reporting or other personal consumer reports

I have been told on numerous occasions from BARCLAYS BANK DELAWARE that my credit card account XXXX was sent over too all three credit agencies XXXX XXXX XXXX XXXX and XXXX to report my credit card account. I only see my credit card account reports to only XXXX. And doesnt report too the other two credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting to my Equifax, XXXX, and XXXX credit reports late payments and foreclosure.
Product: Mortgage

This is concerning Ocwen Loan service, with my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I first started with a HAMP back in XX/XX/XXXX with XXXX for the person that was renting the home did not get any place with that XXXX kept getting paper work and keeping the rent money where they wanted to foreclosure I file bankruptcy. So we kept trying they kept asking for paper work that I kept sending in. Later they sent it to Ocwen by that time the person who wanted the house moved so I got some one else we start pay ing and still trying to get the modification going not place. So those people moved the last people tried every thing still no progress they asked me to turn it into a lawyer then nothing happen they asked us to get a reality we did, the reality been working with a buyer for just about three years with Ocwen on a short sale. Every time we turn something in we always get something we can not please Ocwen my file is big the reality file is big we were suppose on the short sale on XXXX XXXX XXXX next thing we new they were running it min the paper about Foreclosure, the lawyer called they said they did not say foreclosure I had cut it out of the paper got XXXX of the nurses to fax it to the lawyer I still have that copy. They gave me until XX/XX/XXXX to re submit everything I sent in my RMA the reality stated that her person had sad he was tire of Ocwen he had changed Please I need help I tried everything his mind but on to day which is XXXX XXXX, XXXX he was going to try again if this do not work he will not do it any more. He was going to pay cash for the house. I have tried every thing where am I to go from here if you need anything I can get UPS to send it to you Thanks We will work on one at a time My home house XXXX XXXX XXXX XXXX XXXX some of the same this but a little differ So I got to have some place to stay until I can get everything together. Please help me I am sick tire. The foreclosure was suppose to be XXXX XXXX XXXX but the lawyer called after he got my paper that was in the newpaper. I did not get a Foreclosure letter from a lawyer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block.Inc ) due to inadequate customer service and unfair practices, which violate the Comsumer Financial Production Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 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

I sent a dispute letters to Experian, XXXX and XXXX on XX/XX/2022, respectfully requesting to be provided proof of alleged. debt accountss reporting falsely on my credit report, specifically requesting the contracts, notes or other instrument bearing my signature of accounts submitted and no proof was submitted to me. The results came back as " Updated '' only with no proof of so I am filing a complaint for their failure to comply with my request under federal law FCRA 609/611 provisions.
Product: Consumer Loan

THERE ARE XXXX INQUIRES ON MY CREDIT REPORT DATE FOR XX/XX/2015,XX/XX/2015,XX/XX/2015 AND THEY SHOULDNT BE THERE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my credit report 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 I NEVER authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Debt collection

My taxes was taken so while trying see issue with I discovered I supposedly had a car loan with a XXXX XXXX  I never received any mail bout this are have any knowledge of this account my checking account had fraud alert they send me I having alerts credit cards someone trying get my name I don't own a car at all I don't even know what Truist Bank is I have tried contacting bank I don't know going on I never had vehicle with this people are agreed and sign any paperwork with them I was in XXXXXXXX XXXX for 2 years currently live Indiana this car loan agreement whatever I didn't sign are do I know what a Truist Bank is wouldn't even do business with that I need help IRS recommendation to put XXXX report here I also going contact Truist Bank again and credit bureaus I sent email to XXXX already because of a data breach they had
Product: Credit reporting or other personal consumer reports

All three credit bureaus XXXX, XXXX and TransUnion override my disputes on fraudulent and inaccurate accounts on my credit report, I have submitted numerous disputes but with no explanation they continue to rule against me. This has destroyed my credit and business and living Oppurtunites. I am in the process of filing a class action lawsuit and will be filing a complaint with the Federal Trade Commission. 
I am a government employee and I had to freeze my credit just to try and protect myself, one case I paid off my home and they decreased my credit score they penalize me for not having a large amount of debt, need help!
Product: Mortgage

After checking my mortgage account in the month of XXXX I noticed a past due or missed payment. After calling the mortgage company to inquire what the issue was they asked me to email them all documents with proof of payment which I did that month. Unfortunately for me I never checked back to ensure it was received. I assumed it had been and with proof, everything would be fine. In the month of XXXX I went to purchase a vehicle to which my credit was pulled and to my surprise my credit has fell XXXX pts. I did research and it in fact had fallen because of this frivolous claim. I then called the mortgage company again and was asked to send the cashiers check as proof I did. They also asked me to send a copy of my bank statement to ensure the money was indeed deducted from my account, I did. It was. The back of the cashiers check says it was cashed by PHH mortgage on XXXX XXXX. They are claiming the check for XXXX is the one for XXXX. They have two separate check numbers. They are claiming to never have got it.I have proof from the month of XX/XX/XXXX to XX/XX/XXXX of the checks always being paid to them the same way and being cashed the same way. I have found this company has done this to several customers.
Product: Mortgage

I am in the process to complete the documents Mr Cooper is asking to approved my loan modification, every time i send a document they since to lose it or they just don't review and request the same documents 2 to 6 times. every time i called i need to explain that all those documents that they are requesting are already in their possession, it is very hard to understand why can the person in charge of reviewing my loan modification documents do not take the time to review all documents, i have provided all documents even more than 7 times they just sense like they don't care, so i call and speak to someone that persons find the documents and make a note on the loan modification after few weeks they clear the request but is been happening with every document i sent. to my understanding was nothing needs it from me but every time I check they ask for the docs. this is why i need to complain for the treatment Mr cooper give as a client, I'm ready to resume payments once the loan modification is complete but they just don't care
Product: Credit reporting or other personal consumer reports

TransUnion upon calling informed me to issue an FTC report and then dispute my hard inquiries that are appearing on my credit. I never gave anyone any authority to do or make any hard inquiries on my credit but yet these following lenders or organizations have pulled hard inquiries. I doesnt give them any authority to do such things and I appeal TransUnion to simply to remove these inquires as I requested on the phone multiple times and via mail or else I will have to fight legally for these disputes as this is surely making my credit look bad despite not having any accounts with these lenders or worked in past I dont want these inquires to show on my credit at all. Remove them please XXXX XXXX XXXX XXXX XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX  XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update.
Product: Debt collection

I have disputed an account with XXXX XXXX and the credit reporting agencies several times. I have requested information relative to this account, including documents bearing my signature that serve as proof of the account belonging to me. XXXX is not authorized to collect debt in my state, and therefore, I have not only requested proof of this debt being valid ( NOT billing statements ), but proof that they are legally authorized to collect debt in the state of Georgia and have not received either. I have received one statement showing a balance of {$1700.00} and an account number with no proof that this is an account that I indeed own.
Product: Debt collection

In XX/XX/XXXX the national credit reporting bureaus ( XXXX, XXXX and XXXX ) respectfully agreed to ament the process in which all medical debt collections are to be reported. There was no past collection experience grandfathered protected by these adjustments that were administered by the Consumer Financial Protection Bureau, and these changes were to be effective immediately in XX/XX/XXXX. Accordingly, I demand my rights under this mandate to be applied on a medical debt that was never given the opportunity for adjustment through insurance, or to me mitigated directly with the hospital where services were performed. There should be a deletion of these collections, a new request for payment sent to me, and if not rectified within thirty ( 30 ) days, then a six ( 6 ) month or 180-day timeline goes into effect before the collection can be reported. The hospital in question could release the debt through options it has with any trust or endowment it controls, or XXXX the write off to me at the referenced address I leave with this complaint. In any event, I am entitled to relief from collections by an outside source ( s ) until I am submitted a new statement from the hospital in question, and the abusive tactics of using XXXX separate collection agencies for the same account is not acceptable. This only means that my information such as my social security number is being floated through a debt pool, leaving me exposed to identity theft and a number of other problems. The collection must be deleted across the board on every credit bureau as mandated by the Consumer Financial Protection Bureau, and I must be protected with both my personal information as well as my rights administered by a federal agency procured under Dodd Frank XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

This is with reference to case ID XXXX submitted to Citibank and Case ID XXXX submitted on XXXX XXXX and XXXX XXXX respectively..I received mails today from Citibank stating the the provisional credit given to me in the amount of {$9900.00} will be reversed on XXXX XXXX. 
I was under the impression that this matter is resolved when this is fraud when XXXX XXXX XXXX who impersonated himself as an employer of XXXX and worked in the South Dakota officeXXXX was definitely fraud whereby XXXX XXXX XXXX also stated that he was a supervisor at the XXXX XXXX in South Dakota and an invoice with the XXXX logo in the amount of {$10000.00}. 
Citibank has stated that the provisional credit provided to me will be deducted on XXXX XXXX from my statement so therefore this case has not been resolved and this case is still open. 
I am a pensioner and this situation has caused me undue hardship and I am due to do some dental work and this can not be done at the moment. The case ID is XXXX which was updated on XXXX XXXX fully described the entire situation in my first complaint.I will attach the files that I had submitted before
Product: Debt collection

I have contacted this company about alleged debt in the amount of {$900.00} this company is reporting on my credit profile on  XXXX / XXXX / 2017 . I have received no correspondence or phone calls prior to this being reported on my credit profile. I have no contract with this company and owe no debt to this company or any affliations. This false information this company is reporting is ruining my credit worithness and I am trying to solve this issue before I am forced to exercise my rights under FCRA if this issue is not resolved and removed off my credit profile.
Product: Checking or savings account

I received a fraud check Citi Bank did not notify me to let me know when I called to find out why I couldnt access my account I was told because someone deposit a fraud check, again Citii Babk didnt notify me I had to contact them, and I was told I should try to contact the merchant but yet Citi Bank told me when I called in they knew it was a fraud check. I paid the merchant I went through a processing process with the merchant paid them back the XXXX, and my account was closed and was told it will take 30 days or more to get my money back which is unacceptable.
Product: Credit card

While trying to make a second payment in the month of XXXX by phone the payment wasn't accepted, I tried to make the payment on 3 different days in XXXX, but it continued to be declined. I contacted customer service and they tried to pay it and couldn't. I was eventually told that only one payment can be made in a billing period, however I explained to them that I have made more than one payment numerous times during a billing period, they didn't offer any explanation.

Also I waited for my next billing period and tried to pay {$3000.00} on my credit card and again the payment was declined, the reason given to me is that I can make only the minimum payment which is {$100.00} and once I paid this amount no other payments will be accepted until the next billing cycle. 
Wells Fargo is holding consumers accounts XXXX in order to capitalized on interest rates. 
Regards XXXX XXXX