23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Real Time Resolutions ( RTR ) has failed to follow federal rules with regard to the 2nd Mortgage/HELOC I have with them. 

Everything worked well when XXXX! was servicing this loan. 

Since RTR took over the loan : -I haven't gotten a payment history as a matter of routine. 
-I have not gotten notice of how my payments were applied. 
-I think the loan type has changed, but I'm not sure. 

Additionally, an RTR Rep told me recently that there are fees carried over from the time when XXXX XXXX had the loan. I had never heard that before. 

RTR Reps always mention their website for answers to my questions/concerns, but their website does not work. My attachement documents my troubles with the site and communication from RTR about the site. I have handwritten notes on the pages for clarity. 

I only got information from RTR when I disputed the legitimacy/their authority to service my loan.
Product: Debt collection

On XX/XX/2020 I sent a certified letter to True Accord for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps reporting fraudulent items on my credit report. The account is XXXX XXXX I dont when it was opened but Ive attached the police report and FTC report and again this placed back on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

First let me start with I have been on file noted with the Federal trade as a victim of ID theft and it is clearly noted on my credit bureau files that I am the victim of identity theft, yet I still have all these credit inquiries which are negatively impacting my credit ... I did find out that Transunion about 2 months ago removed everyones credit inquiries and then put them back on, without sending a 5 day reinsertion letter which is a violation of 6.11 of the Fair Credit Reporting Act. I did call in this morning and was on hold with operator, XXXX, at XXXX, XXXX XXXX, XXXX regarding both issues. She is stating she is not able to do anything for me. I did notify her that I would be filing a complaint with both the CFPB and the Attorney Generals Office. 
All inquiries made against my social should be removed. I have not attempted to purchase or open any accounts. I am just finding out about all of this since XXXX and have been desperately trying to fix this disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the fraudulent account in my file that is reporting on Experian Credit Bureau. How many times should I tell you that I am a victim of identity theft and I did not create the responsibility of the account? I have requested that the account be removed to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. But guess what? Nothing has changed! I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged account below shown on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and 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 these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written to this creditor to inform them that they have placed inaccurate information on my credit report. I've also asked for proof, which I am entitled to, showing that I signed an agreement taking out credit/debt with this organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXX To date, I have not received proof of signed contract with this company. My last correspondence with this organization was XX/XX/22. Since this time, I have waited over 45 days and they have failed to provide an updated correspondence and proof of re-investigation. This company in fact was in violation of the FCRA when they failed to respond to me within 5 business days to let me know that they were working on a response. 

I am requesting that this account be deleted immediately and that XXXX and Transunion update the credit report expeditiously since I have already disputed this item multiple times. I also would like a copy of the investigation that XXXX and Transunion performed.
Product: Debt collection

on XX/XX/2021, I called the debt collector to see the status. They said it was paid in full but still took XXXX more on XX/XX/2021. I tried XXXX XXXX XXXX but that failed twice. I have received any documents or correspondence from Collection Bureau of America. I feel that they did not tell the truth to XXXX  They owe me XXXX.
Product: Credit card or prepaid card

I was charged a membership fee from Capital One and given no notice that the membership fee was on my credit card which had a XXXX  balance. Once I found out about it, I paid it off and called them right away, they then admitted fault and credited my account the the XXXX dollars which gave me a negative balance. They then reported to the credit agencies that I was 30 days late for something I didn't purchase or use. As a result, My credit score has been severely impacted and i'm being spoken to by creditors who keep saying that I do have a missed payment on my history as if i'm a criminal. I have always maintained an excellent payment history, please help fix this issue. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL  THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. XXXX.
Product: Debt collection

I have tried to get the credit bureaus to assist me with information that has been reported on my credit report that is not mine. I have sent letters to all XXXX credit bureaus, Transunion, XXXX, and XXXX. I submitted my letters to them on XX/XX/2022. I got one letter that stated that they know that my credit is important however they did not remove the fraudulent information. I sent another letter out on XX/XX/2022. I did not receive any feedback or response. I have attached the letters and to provide the dates, amounts, and the my actions taken.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC1681C-2 ) that you, the XXXX credit reporting agency , block information appearing on my credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information appearing on my consumer report consist of personal credit card XXXX XXXX XXXX  opened at XX/XX/XXXX, under account number ( XXXX ) in the amount of {$310.00}, A credit line worth {$750.00} in relation a company name XXXX  account number # XXXX ) OPENED ON XX/XX/XXXX. An auto loan opened XX/XX/XXXX at XXXX XXXX  account number ( XXXX ) in the amount of {$10000.00} a collection accounts opened under XXXX XXXX in the amount of {$960.00} account number ( XXXX ) opened on XX/XX/XXXX that appears to be related to XXXX. An personal credit card opened on XX/XX/XXXX at XXXX that appears to be related to XXXX XXXX XXXX XXXXccount number ( XXXX ) in the amount of {$630.00}. A personal loan opened on XX/XX/XXXX account number ( XXXX ) that appears to be related to XXXX XXXX Another personal loan opened on XX/XX/XXXX in the amount of {$430.00} account number ( XXXX ). These accounts have resulted in several fraudulent and hard inquires appearing on my consumer fico credit report maintained by you which shows fraudulent items. I do not recognize the Aforementioned accounts, collections, or hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint case # ( XXXX ) as proof from the US federal trade commission that all of the aforementioned consumer report, accounts, collections and hard inquires are the result of identity theft. 


Fair solution : I request, pursuant toFCRAV605B ( 15USC 1681C-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquires identified by the CFPB Complaint from my consumer credit file within 4 business days of receiving said complaint. I request all written confirmation regarding this cfpb complaint be sent to me via email to XXXX Hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I applied for a credit card with Capital One and received a letter dated XX/XX/XXXX that I was not approved due to past or present delinquent accounts with them. They provided an address to send information to if I felt the information for the denial was incorrect. I wrote a letter explaining the incorrect information that was used for denial and to have it looked at and sent the letter out on XX/XX/XXXX. I had not heard anything on my request so I called on XX/XX/XXXX to follow up and see if the letter had been received and the process with it. I talked with the customer service rep and was transferred to a supervisor which neither one every would say if the letter had been received. They both asked if i wanted the information looked at and my response was yes but they would not proceed unless i gave permission to pull credit again. I asked them why credit needed to be pulled again when the mistakes are on part of Capital One and I am making them aware of the mistakes which is a company mistake and should be able to be verified in company. I do not understand why they need to hit my credit with 2 inquires for the same application, with the reason for denial being there are mistakes that I am making them aware of that was information provided by Capital One and could be verified in company to correct. They had already updated my credit reports with the zero balance.
Product: Mortgage

3 times now I have tried to pre-pay on the principle and instead of applying to the principle they put the money to future payments
Product: Debt collection

This account was opened without my knowledge or permission. amount due is XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX XXXX and XXXX XXXX report on XX/XX/XXXX, XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Yours Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Currently have some inquiries on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL
Product: Checking or savings account

My daughter and I have a checking account together .my daughter got a check from a lady that needed her to send money to XXXX . 
Ps they also took my daughter 's savings account money. 


. 
.my daughter put the check in the bank by atm on XX/XX/2023 and the bank cleared it on the XXXX the bank was closed on XXXX an XXXX then we tried to get money on the XXXX they told us that the check was counterfeit.and froze our account took what money we had left from out ssa check.and said we would have to pay XXXXhowever on the XXXX our ledger says XXXX then on that same day that bank took the check and said we owe XXXXwhen all along we thought the money was good. The check was from a lawyer .that owed this money to our friend.
Product: Student loan

I file this complaint to once again request that the Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan on my XXXX credit report be removed. I have attached my XXXX credit report, which is dated today, XX/XX/XXXX. I obtained my XXXX credit report directly from XXXX itself, rather than a third-party app such as XXXX XXXX XXXX Please see page seven of the attached report. It should be noted that I filed a previous CFPB complaint against MOHELA on XX/XX/XXXX, regarding this issue. The complaint number was XXXX. That complaint is attached. By letter dated XX/XX/XXXX, MOHELA assured me that a request would be submitted to remove the comment. Over sixty days have passed since the XX/XX/XXXX, letter and yet the comment still remains. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. I would like this comment removed from my XXXX credit report. My ID is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX YOU BROKE THE LAW!!! 
XXXX XXXX XXXX Ct. XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute After recently reviewing my credit report, I noticed several inconsistencies regarding the account ( XXXX ) ( XXXX ). The payment history and name section are reporting differently to Experian, XXXX, and XXXX. You have violated my consumer rights. 
Experian is reporting on time payments for XXXX, XXXX, and XXXXXXXX XXXX XXXX, then I voluntarily surrendered XXXX XXXX XXXX. XXXX is reporting on time payments for XXXX, XXXX, XXXX, and XXXX XXXX XXXX. Its reporting 30 days late for XXXX XXXX, 60 days late XX/XX/2021 and 90 days late XX/XX/2021. In XX/XX/2021 its reporting 120 days late and in XXXX its reports payments 120+ days late. Followed by another on time payment in XX/XX/2021, then another 120+ days late in XX/XX/2021. XXXX is reporting that I have no payment history. 
There are also inconsistencies in the name thats reporting to the different credit bureaus. Experian and XXXX are reporting that it is XXXX XXXX is the account name. While XXXX is reporting that the account name is XXXX. Pursuant 15 USC 168b ( a ) ( 2 ) I never gave written consent to you to furnish anything on my consumer profile and you have violated my rights to privacy.

These accounts appear to be furnished by the same creditor, so why is the provided data different thats reporting to the credit bureaus. It is your duty to ensure that all information that is reported is consistent and most importantly accurate and you have failed to do so. Pursuant 15 USC 1611 false and inaccurate information willing and knowing. The CFPB will get a copy is this dispute as well. These inaccuracies have damaged my reputations with banks causing me hardships I wish that these inaccuracies be deleted immediately because banks and financial intuitions are reliant on fair and accurate reporting. Pursuant 18 USC 8 if such alleged does exists it is the obligations of the United States. I hope that you guys respect my consumer rights without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts on my personal credit report with XXXX, Experian, and XXXX  and yet XXXX, XXXX, and Experian are falsely reporting incorrect information on my credit report! I have no real validation of any of the listed accounts below. There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect thats being accepted by XXXX, XXXX, and Experian!
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX XXXX indicating they are a debt collector trying to collect a debt that I owe to PayPal Inc. for the amount of {$4300.00} On XX/XX/XXXX I called PayPal Incorporated and ask the representative if I had any open accounts in my name. It was explained to me the only account I had did not have a linked bank account to it and it had a positive balance of just over {$21.00}. The representative inferred I had nothing to worry about and the letter I received was most likely spam. However, when I ask the representative to run the account number, which was on the letter I received, she confirmed there was a debt owed to them. I explained this was fraud and was advised by the representative that she would forward this information to PayPals fraud department. Not much other information was given to me. I do not feel comfortable contacting the debt collector agency as they are trying to collect a debt from me that I do not owe, which is fraudulent. I have not heard back from PayPal about this incident and is why I am writing the Consumer Financial Protection Bureau.
Product: Credit card or prepaid card

On XX/XX/2018 I was charged {$49.00} to my American Express by a company called XXXX XXXX located in XXXX, PA. 

At the time I was 3,000 miles away in California and did not authorize this charge. 

I filed a dispute with American Express and the merchant provided a " keyed in '' receipt without providing any supporting documentation that the charge was authorized or that any services or products were granted. 

Again, I did not authorize the charge and American Express was aware that I was 3,000 miles away because I both told them and they have access to my account history which showed that I was traveling at the time. 

Despite this, they have chosen to uphold the charge simply because the merchant claims a unilaterally created receipt manufactured without my consent or knowledge somehow legitimizes the charge.
Product: Credit reporting or other personal consumer reports

I recently review my credit report I was shocked to see that I have been a victim of identity theft. I found a fraudulent closed account on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent closed account from my credit report as soon as possible. Here is the information for closed account XXXX XXXX date opened XX/XX/year>, Account number XXXX, Balance {$6900.00}. I am also attaching Copy of my Driver license, Social security card, utility bill and Idenity theft report. 


Thank you advance.