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

XXXX AND TRANSUNION  IS REPORTING AUTHORIZED INQUIRES ON MY CREDIT REPORT.
 THE COMPANIES FROM XXXX ARE: 
XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Check Cashing Service XXXX XXXX XXXX XXXX XXXX, UT XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) 3XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Clothing Store - non specific
XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
Mortgage Reporters
XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX, IN XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX, MS XXXX
(XXXX) XXXX
  THE COMPANIES FROM TRANSUNION ARE:

XXXX
Inquiry from XX/XX/XXXX
+
Finance XXXX
Inquiry from XX/XX/XXXX
+
Bank XXXX XXXX
Inquiry from XX/XX/XXXX
+
Misc.
XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
Product: Debt collection

This debt I am disputing has already been settled with the collection agency for an agreed-upon amount. It shows as paid on my credit report, however it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I found out for the first time that my credit report from XXXX had report of serious delinquency regarding a Chase/XXXX XXXX  credit card with numbers starting with : XXXX.

When I called Chase phone number, XXXX which appears on that entry, I was told to call Monday to Friday.

I called back on Monday XX/XX/XXXX at XXXX and I was transferred to Chase credit department . I informed the lady that answered that I just discovered that there is a wrong entry of " serious delinquency '' in my XXXX credit report, an account that I never opened or used and that it has been harming my credit since XX/XX/XXXX until now! I have been affected by this account causing me to always obtain higher interest rates and being denied of my applications. I never knew why until XX/XX/XXXX. I asked her to tell me information regarding that account : who opened it? And, she she said that I was not a primary in that account. I asked what is the mailing address of that account? She kept lying saying that she has no further information on that account but that she would remove it form my record since I was not a primary. Furthermore, she kept repeating that it may not even be related to me at all, that it could have been wrongly placed on my account. I have a right to know what or who has harmed me financially all these years. When I confronted her saying that I do not believe she does not have further information, and that I have been a Chase customer with good standing payments for years, she accepted that she has more information but can not share it with me. I am very upset of all the financial harm this wrong entry has caused me all these years, and all she could say is " if you had called before when you found out, we would have removed it before ''. I said I just found out, I pay all my bills, why would I think there is something like that in my credit report?

I have the right to find out more information on an account that has been damaging my credit report for almost 7 years. Please help me find out who was the owner of that account and what was the mailing address?

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX  Account number : XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number:XXXX**, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XXXX XX/XX/XXXX XXXX BALANCED {$3100.00} XXXXXX/XX/XXXX XXXX BALANCED {$5000.00} XXXXXX/XX/XXXXXXXX BALANCED {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXX {$4700.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX  Original Creditor : ) Account Number XXXX Date Open : XXXX XXXX, XXXX Balance : XXXX XXXX XXXXXXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$1200.00} - Charge Off New Added : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1200.00} - Collection XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$1000.00} - Collection Inquiries included in dispute : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX Negative accounts NOT included in Dispute XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$600.00} - Late/Open XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$420.00} - Late/Open XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$70.00} - Late/Open
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

My wife and I applied for credit through Foundation Finance Company, LLC for Home Improvement project. Foundation Finance, LLC has placed a lien against my homes title which is not described as the goods or services received in the contract, it states ; SECURITY INTEREST : You grant us a security interest in the goods purchased by you and described on the first page of this Contract ( the Collateral ) as well as all accessions to and proceeds of those goods. Our security interest secures your performance of all obligations under this Contract and any extensions, renewals or modifications of it. On our request, you will take any reasonable action to preserve the Collateral or our security interest in it. You will maintain the Collateral in good condition, not permit its value to be impaired and keep it free from liens and encumbrances prior in right to ours. You will not sell, lease or dispose of Collateral without our written permission.

No where in my contract states my home is ( the collateral ) for the purpose of this line of credit. The goods and or services received is XXXX roofing, siding tr according to my contract.
Product: Checking or savings account

My business checkings account with Wells Fargo was charged 7 overdraft fees totaling {$240.00}. I was going through financial struggles at the time. 
My account first became negative by {$8.00} on XX/XX/2018. The first overdraft fee was charged then. Normally with Wells Fargo, when your account becomes negative, other charges are not allowed to go through to prevent further overdraft. Instead, more charges were allowed to go through, automatic debit charges. 
Between XX/XX/XXXX - XX/XX/XXXX, I was charged 7 overdraft fees. Without the fees, my account would have been negative by {$100.00} which I would have been able to take care of in a few weeks time. Unfortunately, my account ended up being negative {$350.00} due to the overdraft fees being charged in excess. 
I contacted Wells Fargo in XX/XX/XXXX and XX/XX/XXXX in the hopes to have the fees overturned so that I could bring my account back positive. They refused to even refund one fee. With that, I was unable to bring my account positive and Wells Fargo decided to just close my account. 
This is not the first time I had to contact an outside source in regards to being charged overdraft fees in such an aggressive manner. The last time I had to contact the Better Business Bureau.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The credit bureau has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. They have reported false addresses and names under my credit which is getting me confused with another person. 

My Name is XXXX XXXX - No other ways of spelling it should be deleted My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX- I have lived here for over 7 years and is my only address Please delete every other address. They are not associated with me. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX   XXXX, XXXX XXXX. And these inquiries are not mine either : XXXX XXXX XXXX, XXXX XXXX .XXXX XXXX XXXX, XXXX , XXXX , XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX . XXXX, XXXX.
Product: Vehicle loan or lease

I took delivery of a new XXXX XXXX XXXX on XX/XX/2020. The 1st ( lease ) payment of {$390.00} was made at the dealership that day. I created a " payee '' on my Credit Union website using a " place holder '' for the account number, which I neglected to update before the next scheduled payment date. This resulted in my CU sending a paper check with an incorrect account number to Kia Motor Finance ( KMF ), which  could not process it. On or about XX/XX/XXXX, realizing my ( account number ) error, I attempted to make a one-time payment from the KMF website, which did not work. I called KMF multiple times during XX/XX/XXXX to ensure my repeated attempts to make payments in a timely manner were documented. A KMF agent told me in XX/XX/XXXX that the listed payment amount was incorrect because the wrong county tax rate had been applied ( by the Kia dealer presumably ) and that future payments would be {$360.00} ( KMF website still indicated {$390.00} as of XX/XX/XXXX ). The {$390.00} payment due XX/XX/XXXX was ultimately recognized/processed on XX/XX/2020 ( KMF requested a fax from my CU, which the CU reportedly sent ), which is 15 days after the due date, incurring a late fee of {$18.00}, which an agent reportedly waived as a courtesy. According to KMF, credit report exceptions are not sent until an account is 30 days past due, yet I had a late payment report filed with the credit agencies. On XX/XX/XXXX, my CU made an electronic payment of {$380.00} ( {$360.00} + XXXX for the " waived '' late fee ), which was processed by KMF on or about XX/XX/2020 ( again KMF needed a fax confirmation from the CU ). On XX/XX/2020 I contacted KMF to  ascertain why the website indicates {$390.00} is due XX/XX/2020 and discover how an account of 3 months age with two on-time payments could be charged multiple late fees. I reviewed the account history with an agent, who acknowledged the account history looked untoward and connected me with a supervisor, who said my electronic payments are actually sent as paper checks ( my CU disagrees ). The supervisor disputed that multiple fees were being applied and the line went dead ( I sincerely hope he didn't hang up on me ). As of XX/XX/2020 I have made two payments of {$390.00} and one of {$380.00} to an account that according to KMF should be due {$360.00} monthly.
Product: Mortgage

My experience with roundpoint Mortgage has been absolutely terrible. Every time I have reached out to them I never have talked with someone that knows how to answer my simple questions. When I am lucky enough to even talk with a customer service representative, I am given different answers from every person I talk to. It is very apparent that these people have no idea what they are doing, or at least have no intent to actually help you. One particular experience I had with them was when I was trying to remove mortgage insurance from my loan. I filled out the request application and never heard from anyone at roundpoint ( I was told it would be 7-10 days ). After 20 days, I called roundpoint to followup with my application and they claimed they had not received anything. After a number of different calls and customer service representatives, they decided that they had received it and it was being process. At this point I was told it would be another 7-10 days to hear from them about getting the appraisal to finish the request. Again, after not hearing from anyone for 15 days at roundpoint, I called to followup. Everyone I talked to gave me different answers again. I was being told everything from the application had been denied, to they have n't even received the application. We finally got the appraisal scheduled. The evening of the appraisal I called the appraisal to follow up with how it went and the appraiser informed me that roundpoint had cancelled the appraisal. This was big news to me, so I called roundpoint to find out why this had happened. And of course, the customer service representative had absolutely no clue why the appraisal was cancelled and did n't know the appraisal was even scheduled. At this point I was informed that my loan was being sold to a different mortgage company and this was taking place in three days. A longer story cut short, I have paid for an appraisal that is no longer valid. All while I was being deceived to think they were helping me remove mortgage insurance from my loan. So roundpoint got a few extra months of mortgage insurance, over {$600.00} ( this process took a few months, instead of a few weeks like I was told ) and now sells my loan to someone else. It 's not too hard to see what roundpoint was trying to do here. And definitely shows where their priorities are. If there is a way you can avoid having roundpoint Mortgage from obtaining your mortgage note, I would do that!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX {$450.00}
Product: Mortgage

Ocwen Loan Service Approved a loan Mod for us in XXXX XXXX after a ton of hassle and complaints and denials. I mailed in the contract and 3 trial payments and 1 additional payment in XXXX XXXX. XXXX XXXX I rcvd a letter saying they never got the final contract. I then faxed it. Ocwen then said the signatures did n't match. So resigned and faxed it again. I edited the contract. The amount owed in the contract showed {$20000.00} that was to be deferred principal balance and would n't have to be paid right now, but a non interest balloon payment. However when I recvd the late notice and the statement, they showed different amounts. The late notice showed {$18000.00} and the statement showed {$18000.00} as of XXXX XXXX. So why would I repay {$20000.00}? In addition the balloon payment was n't for {$20000.00} it was for $ over {$70000.00}. If the {$20000.00} was non interest then why is the balloon almost 4 times the original amount? I line marked the changes in the contract and they would n't except the contract with the changes. I resigned the contract with the wrong repayment amount and the crazy high balloon payment, but they then wanted 4 additional mortgage payments per a letter, I recvd in XXXX XXXX with in 22 days of that letter we sent FIVE payments to them. About 3-4 weeks later we recvd another letter saying we were be denied for none payment. Apparently they had emailed us a letter telling us they needed another payment. In all the correspondence, in 2 years they had NEVER emailed anything without request, but they did this one letter that meant we would be denied our modification. Since then they had unrealistic requests like 9 payments, etc. I also rcvd monthly letters from Ocwen offering me assistance with modification, but when would try and log on it would say you ca n't apply right now or it would show a pending modification, but I rcvd denial letters. In XXXX XXXX I rcvd a letter thanking me for application for assistance which I still had not been able to sent after several attempts, but they charged my account for a XXXX property inspection FEES in like 2 months and sent me a property evaluation and {$100.00} evaluation fee.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives : I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor XXXX XXXXt ( account number : XXXX ). 

Below are the specific issues I have identified : 1. Incorrect information in all three bureaus : The account in question contains errors in all three major credit bureaus ( Equifax, XXXX, and XXXX ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score. 
2. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated. 

I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( Equifax, XXXX, and XXXX ). 
* Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( 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 ( 5 ), 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 XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

In a complaint submitted to the CFPB, Midwest Recovery Systems responded stating a record of deletion would be sent to all credit reporting agencies. 
MRS has not and still has not provided me anything stating this is mine, and this negative information is still being verified on both XXXX & XXXX. 
This needs to be removed from my credit report IMMEDIATELY as stated by MRS in their response to my complaint.
Product: Debt collection

Debt is not mine. I dont not have an account or have had an account with this company.