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

This morning, I found an unauthorized inquiry on my credit report and I'm confused about the cause. As I routinely checked my credit report, these discrepancies suddenly appeared. I attempted to refresh my browser, hoping it was just a glitch, but the inquiry remained. Consequently, I request a thorough review of the documents I've submitted to prevent further concern about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2018, I submitted a dispute to Waypoint Resource Group regarding a derogatory entry they placed on my credit reports in XX/XX/2018, without providing me any dunning letter or notification that they were attempting to collect a debt. This entry is erroneous, inaccurate and should not be reflected on any of my reports. 

I have never did business with this company, nor have I signed any contracts with them. I am appalled to say the least that they would report that I had a term of 1 month with them being that I have never heard of them. Also, among the 2 bureaus they are reporting 2 different open dates. The Fair Credit Reporting Act states that any entry reflected on my credit reports should be 100 % accurate, verifiable and timely. This account is not. 

Certified and return receipt tracking ( see attached ), reflects that Waypoint received my letter of dispute ( see attached ) on XXXX. To date ( XXXX ), I have not received any correspondence from this company, yet as of XXXX ( when I retrieved a new credit report ), they are still reporting this erroneous entry. 

See attached letter dated XX/XX/2018, whereby, I explicitly stated to this company that I was disputing the validity of the alleged debt and I also sought validation. To no avail, as the company has not responded. 

Being that Waypoint Resource Group has blatantly refused to respond and provide documentation to validate the debt they are alleging is owed is grounds for IMMEDIATE DELETION OF THIS ACCOUNT ENTRY FROM MY CREDIT REPORTS! 

THIS COMPANY HAS HAD OVER 45 DAYS TO RESPOND AND HAS NOT! DELETE THIS ENTRY IMMEDIATELY!!!
Product: Checking or savings account

On or around XX/XX/XXXX, I received a XXXX transfer for {$370.00} from a friend who bought an old computer from me. I checked my account on XX/XX/XXXX and saw that I had more money in my account then I was supposed to. When checking the transaction log, I saw that the XXXX payment went in twice. I contacted the bank and informed them of the error and was told I needed to file a claim for the duplicate transaction and that was done. After that I called my friend to inform him of the error and was told that his account was also debited the duplicate amount. I called the bank back and informed them of the issue and told them that the original claim time of 10 business days wasn't going to work as my friend needed the money. I was then informed that I was given misinformation and that this was a known error, and they are working to resolved it. The extra amount should be taken out of my account today and back in his within XXXX hours. That did occur and everything was settled. Then on XX/XX/XXXX around XXXX I checked my account to see that it was a lot lower than it should be and when checking the transaction log, I saw a debit/hold for {$370.00}. I contacted the bank again and was told it was for the original claim and I informed them that it was already settled, and I don't know why they are taking it out again. That is when I was told they would have to submit a withdraw request, but it wouldn't be started until next week. That is not going to work so they transferred me to a supervisor named XXXX and I told her the same issue and was told that it's my fault for not closing the claim when in fact the fault lies on the bank for not catching it or informing me that I needed to close the claim back on the XXXX. I got so mad that I was going to close my account, so they transferred me to a different department. When I spoke with that department the supervisor there took action and called the XXXX non-fraud department and the money put back into my account. Well, this morning I got a text from the bank saying my account was at a low balance and when I checked to see why I found that they took the money back out of my account for their error. When I called them this morning to discuss the issue the first agent, I spoke with said that a claim should have never been filed and the agent I spoke with originally should have known that. She transferred me to the XXXX claims Dpartement and it was closed so I had to call back and speak to a different department. It is still not resolved, and it need to be investigated. Bank of America is not responsible enough to handle customers finances or handle disputes if one where to arise. Due to their constant mistakes, I can't make the down payment on my credit card, I can't buy enough food, I can't pay my bills all because they are not responsible enough.
Product: Credit reporting or other personal consumer reports

On my credit report, there are two entries for a XXXX XXXX XXXX account with the same account number ( # XXXX ). One account is listed as opened on XX/XX/XXXX, and closed in XX/XX/XXXX, while the other account is listed as opened on XX/XX/XXXX, and closed within the same month. 

Both entries are outdated and should no longer be on my credit report, as they fall outside the seven-year reporting limit set by the Fair Credit Reporting Act ( FCRA ). These accounts have been closed for more than seven years and, per FCRA guidelines, are ineligible to remain on my credit report. Continuing to report these accounts violates my rights under the FCRA and creates an inaccurate representation of my credit history.
Product: Debt collection

have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. On my credit report there is a Charge off from : XXXX XXXX XXXX for the amount of {$230.00} & {$150.00} from XXXX XXXX XXXX XXXX XXXX  for the amount of {$380.00}. XXXX XXXX XXXX XXXX XXXX the date is unknown but it was reported XXXX XXXX XXXX XXXX for the amount of {$1200.00} XXXX. 
XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Student loan

ICR has mislead and misrepresented themselves. they had informed me they worked with US DEPt. of ED with getting loans out default however they were a 3rd party and a debt collector and had nothing to do with the situation with me and the US dept. of ED. I never had to do anything with them because my loans were sold. i've sent my debt val and cease and desist asking them to show me the contract we have showing they are allowed to purchase my information and the original contract showing their a debt collector and is a signed contract saying they can do so.
Product: Mortgage

Contacted the mortgage company Lakeview on XXXX to inquire about the mortgage payment increase, Spoke to XXXX first who stated the increase from {$4300.00} to {$4400.00} was due to a escrow shortage because of an increase of taxes or insurance. She claimed that correspondence was sent back in XXXX which I never received. She could no longer assist me & told me to contact my insurance company and local tax office. I contacted XXXX XXXX to be notified that my insurance actually decreased from {$2400.00} to {$2000.00}. The local tax office also stated that there was no significant tax increase to substantiate this mortgage payment increase. Ever since Lakeview took over my fixed mortgage they have increased my payment 4 times. I called them back again this evening XXXX and spoke to XXXX who continued to tell me that even with a lowered insurance and no significant tax increase that the new mortgage payment was correct, We repeatedly went over the annual payment amounts for the principal, interest, insurance, taxes stating that it should have amounted to $ XXXX but upon calculation it only amounted to $ XXXX. I was then transferred to XXXX XXXX who then agreed that the insurance decreased and the taxes didnt significantly increase but that they raised my mortgage to offset their escrow predications even though last year I authorized additional payments being taken out to account for any possible shortages. Taxes do not increase by the amounts theyre alleging annually. XXXX tried to state that my taxes increased by $ XXXX which is against the law to jump that significantly. I can not afford to make this new mortgage payment.
Product: Debt collection

Delete the late date of the disputed item from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX  XXXX Date Opened : XX/XX/2011 Balance : {$290000.00}. Please update the status of this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to Equifax product for my personal use to keep accurate track of my credit score and report. For the past 3 months I have paid for my credit score XXXX x2 XXXX x2   XXXX x2 .Dor the month of XX/XX/XXXX thru XXXX my credit score hadn't changed or updated it has been XXXX since the XX/XX/XXXX and they took my money XXXX and XXXX advising I will receive a updated report. You will find attached same score XXXX  just the date change. It has not been updated. They only update once a month. But they lie and tell you it update daily. As you see the only thing changes is the date. XXXX XXXX  pulled my credit onXX/XX/18 and they show my credit score as XXXX they pulled it from Equifax. How is this possible? I can explain they are selling a outdated product with inaccurate credit scores. Why my score is not reflecting to the information shown on this denial letter from XXXX XXXX. Equifax is a scam .I want a immediate refund for all product purchases I have ever purchased. If not I will start a class action lawsuit because surely I am not the only one they have scammed. Explain how on XX/XX/XXXX I paid that day for product and my credit score is XXXX  and on the same day XXXX XXXX pull my credit and it was XXXX. My credit score has been XXXX on Equifax product since XX/XX/2018. And has not updated. But they charging me for old information and inaccurate.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus XXXX  AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service an unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

Remove the unauthorized credit inquiries immediately, as their presence is a violation of the Fair Credit Reporting Act and a severe infringement of my privacy rights. This serves as a final goodwill gesture ; failure to comply within XXXX  days will result in legal action, seeking compensation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. The clock is ticking, and your prompt resolution is imperative. XXXX XXXX  XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

called transition XX/XX/2023. 
talked to fraud department notified them of these UNAUTHORIZED inquires. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

In XX/XX/XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account within 3 statement periods of meeting the requirements ( which was completed in XX/XX/XXXX ). I expected the points to post by XX/XX/XXXX. 

Since signing up for the account, I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch, and saying that I am not targeted for the offer even after confirming that I am. Now I have {$90.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. 

Citi did an investigation into the matter, and said that I am not eligible for an XXXX XXXX advantage promotion, which is not the promotion I signed up for. Citi 's Customer Service department has been professional ( at best ), and ignorant ( at worst ) about their own policies. Their IT and account management department is clearly not capable of tracking what promotional offers their new account holders sign up with, let alone be able to answer the questions they ask when following up.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was under a loan modification with Select Portfolio Servicing. It is so odd because I feel as though I was just in this position not long ago filing a complaint. My loan modification was in process and I was making all of my monthly payments. Every month a representative called questioning whether my payment was made and then the representative would identify the payment on the system and we would hang up. Eventually, I received notification that my plan was cancelled. I spent month after month trying to cure the issue. I was working with the Obudsman Department on curing the issue, as all of the payments were located, but then the representative said that she was going to restart the plan, as they were asking for a huge payment at this time. I thought that it was just going to start over right away but then I was advised to reapply, which I did, and I was now denied. I need some assistance, here. I can restart my payments immediately. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting

XXXX IS REPORTING AN AMOUNT ON ALL XXXX OF MY CREDIT REPORTS THAT DO NOT BELONG TO ME. THE AMOUNT THAT THEY ARE REPORTING IS FOR $XXXX. I HAVE CONTACTED THEM SEVERAL TIMES REGARDING THIS MATTER AND EACH TIME THEY CLAIM THEY ARE WORKING ON IT AND THEY WOULD REMOVE IT FROM MY CREDIT REPORT. THE LAST DATE I SPOKE WITH THEM WAS XX/XX/2015, WHILE I WAS MEETING WITH MY FINANCIAL COUNSELOR. AGAIN, THEY PROMISED ME THAT WITHIN THE NEXT 30 DAYS IT WOULD BE REMOVED. MY COUNSELOR PULLED MY EXPERIAN CREDIT REPORT TODAY, XX/XX/2015, AND THE ACCOUNT IS STILL SHOWING ON MY REPORT. PLEASE HELP ME GET THIS ITEM REMOVED AS IT DOES NOT BELONG TO ME.
Product: Mortgage

In 2015 I became late on my mortgage due to unemployment. I requested a government modification through Ocwen, and was told I was not approved. Ocwen offered an in-house modification. The monthly payment would be lowered by a few dollars, interest would be lowered by 0.3 %, and there would be a {$19000.00} balloon payment at maturation. I turned down the modification because of the balloon clause. My relationship manager pressured me into accepting the modification, and said I would also have a balloon payment if I remained with my regular contract. This was a lie - I obtained my original note, and there is not a balloon clause. I rejected the modification, which took a long time and many calls/emails to accomplish. Since then, I made payments to become current : {$600.00} on XXXX/XXXX/15, {$590.00} on XXXX/XXXX/15, and {$1300.00} on XXXX/XXXX/2015. None of these payments were applied to my past due balance. {$600.00} has been in suspense for over a month. XXXX agent said I had over {$1100.00} in suspense. Other agents and a supervisor said I have {$600.00} in suspense. I am not sure how much is in suspense. Because the suspense funds were not applied, I became 4 months late on XXXX/XXXX/2015, and was told that the {$1300.00} payment would be rejected and mailed back to me, and that I owed an additional {$570.00} in addition to the {$1300.00}. I have called and emailed many times to request that the suspense funds and the {$1300.00} payment be applied, but Ocwen will not apply them. The {$1300.00} is not showing up anywhere - not on my account or in suspense, despite the fact that I have verification that these funds arrived to Ocwen on XXXX/XXXX/15. The biggest problem is that I can not get a clear answer from Ocwen. They do not respond to email. By phone, some agents and supervisors say that the funds remain in suspense due to a system glitch, and will be applied soon. Other agents wo n't clearly answer my questions. XXXX agent said it was my fault the funds remain in suspense, and that these funds were to be applied to principal, and not the late balance. Every time I call I get a completely different answer. It is impossible to obtain honest and accurate information. Last night I tried to pay an additional {$570.00} online via XXXX, but received a message saying this was the incorrect amount, and to contact Ocwen customer service. XXXX would not allow me to submit a payment. I am not able to make a payment by phone, on the Ocwen website, or via XXXX. I am being charged late fees, certified mail fees, fees for photographing the house, and have received negative credit reporting. I have given everything I have in my bank account to Ocwen this month to try to become current, however they refuse to apply any of these funds to my past due payments, and I am afraid they will begin the foreclosure process.