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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did annual credit report in XXXX with 3 credit Bureau : XXXX, XXXX  and Equifax. All reported with NO fraudulent accounts, except the " previous address '' included incorrect address, but I thought it was in " previous address '', it wont affect me, as long as my " current address '' is correct. On XX/XX/XXXX, I did annual credit report again to purchase a mortgage. XXXX, XXXX  and Equifax reported NO fraudulent accounts. Only Equifax reported a fraudulent address in my current address. I submitted a dispute to have it updated. After several disputes for the same issue, it still did not get fixed, Equifax kept updating wrong address, so I had to fax all required documents along with another dispute. On XX/XX/XXXX when Equifax finally updated my current address correctly, there is a fraudulent account appear in my report, it indicated this was opened on XXXX, XXXX which I had previously mentioned that in XXXX and XX/XX/XXXX Equifax and other credit Bureau did not report this. Now all of the sudden I owed XXXX  XXXX XXXX since XXXX for a balance of {$1100.00} as of today, monthly payment is made on the first of each month since XXXX. I was so shocked how this can happen. 

I called XXXX  XXXX XXXX 2 times to confirm and ask for dispute, XXXX confirmed with me that account number was not mine, name looks similar but clearly this is not my account, I have {$0.00} balance with XXXX, I was advised to file a dispute with the credit Bureau who reported this account. I file a dispute with Equifax on XX/XX/XXXX, after 14 days had not received the result I called Equifax to follow up on my dispute, I was told that XXXX is the only one can verify my information. I called BOA and again was told that if I file a dispute with Equifax, the submit had sent to a different department who handle this, there is nothing I could do but waiting, and again they confirmed with me that this account is not mine, and Equifax should be able to have my report corrected. On XX/XX/XXXX, Equifax sent me a result of dispute, but surprisingly It said XXXX confirmed the fraudulent account is mine. 
This had cause a serious delay on my plan of purchasing a house. I have waisted 2 months to fix the address, and then now still waiting for another dispute. 

I got a notification indicated that The fraudulent account is updated to : XXXX and XXXX. Now the fraudulent account is reported in all 3 credit Bureau, not just only Equifax. 
I called BOA immediately, again XXXX confirmed with me the fraudulent account is not mine, they did not know how this happened, I dont owe BOA anything and have {$0.00} balance. The dispute was file with XXXX same day on XX/XX/XXXX. Dispute is pending for review as of today. 

This issue has caused significant impact on my mental health, seriously delay on purchasing mortgage and financial lost as i have missed multiple chances for good interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to access my credit report through equifax. Every time I enter my information to retrieve my report Im told there is no account associated with my information. When I try making a new account I am told there is an account already made. Its a never ending loop of getting no where to log in. Ive tried having some from equifax help me and they couldnt get past the loop either. Equifax has outdated information on my report with inaccurate account information that need to be disputed. 

XXXX wont remove an account that is XXXX years old. XXXX has locked me out of my account. There is a lot of inaccurate information on my transunion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted CPS agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally kidnapped our children and who knows how much they suffering from their criminals activities, which is called in the criminal driven market kids for cash. CPS created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from CPS custody is a piece of cake for him, later as we found out, he was giving courses to white XXXX crimes cyber criminals,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from XXXX  account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from XXXX and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my gmail account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach XXXX XXXX or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.
Product: Money transfers

I am still discriminating and totally ignored by Chase bank employe, now XXXX from Executive Office. She send me letter, that they did not discriminate me - this is a lie! 

XXXX XXXX, if people are supported in your bank and you obsessively refused support for one person, and use lies ( you do not accept any proofs as copies of emails or screen shots, you accept only copy of original documents ), this is discrimination. This is serious crime and you helping criminals to escalate criminal activity. 

I lost my patience already for some peopleXXXX. 

I contacted you fifth time regarding the XXXX bank statement XXXX XXXX. 

You did not find any transactions with description XXXX debited from my account on XXXX XXXX, 2015? 

XXXX XXXX on bank statement and you have the documents from me XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX*****Regarding this case I contacted you by phone, personaly in bank and also I sent you complain on your website on XXXX. Also I sent you proofs on fax, email and now second time by CFBP. No any response from you, this is not discrimination? 

Below you have again explanation : Discrimination and loss of money by Chase Bank. 
On XXXX XXXX, before I paid to the XXXX deposit I received from them assurance that if I will make deposit XXXX, I will receive from them {$10000.00} bonus. Then after one month with their broker help I will earn {$100000.00}. This information I received by their chat and is copied. 

Unfortunately, no call I received from the broker. After my intervention the broker called me, he made three trades within two weeks. The third he lost about {$500.00} of my money. One month has passed and I lost some money. After that I sent them request for withdrawal my deposit, because they cheated me. They sent me information that to withdrawal my money I need earn over {$300000.00}. 
I sent them info that the reason that I decided to withdrawal my deposit of {$4000.00} ( less {$1000.00} by my personal loss ) is that they cheated me, no earned {$100000.00} but loss. 
By their chat and emails I asked them many times for my money back but they ignore me and blocked my IP, so now no response from. 

Regarding this scam on XXXX XXXX XXXX XXXX I asked Chase bank by phone for help. The send me from one person to another. They promised me credit within 12 hours, but did not received from them claim number. 

Within next few days I did not received the promised credit and any confirmation letter, no claim number. 
Then I sent the by email again explanation of the scam with proof ; screens shots of website and email. Also no any response from Chase bank. After next week I sent to chase bank by their website again complaint and asked them for response and claim number, but this time I received automatic email back with assurance : This is to confirm we have received your message sent XXXX/XXXX/2015. You can expect to receive a response within XXXX hours. 
However, they cheated me, no any response to this day. I accuse Chase Bank XXXX XXXX and loss of money. Such behavior is serious criminal act against Bank clients.
Product: Mortgage

I have owned my home for less than a year. The title company collected and paid for the first year 's property taxes at closing. When taxes were due, the title company paid them. My mortgage servicer, Fay Servicing, also paid them resulting in an over payment of {$11000.00}. As a result of the double payment, Fay Servicing doubled my escrow payment. When I contacted them about the issues in early XX/XX/XXXX, I gave them all of the necessary information to request a refund. Fay Servicing then requested a refund in late XXXX. The country issued the refund XXXX. My mortgage servicer transferred on XX/XX/XXXX. Fay Servicing has claimed since XXXX that I would be receiving the refund in the mail. After following up for months, they claimed the check was sent on XXXX. I just called them again on XX/XX/XXXX since the check never arrived and was told that the amount was transfer to my new servicer on XX/XX/XXXX. My new servicer has only received {$5100.00} after nearly a month. Fay Servicing claims to have transferred all of the over payment, but after receiving the account history, it shows Fay Servicing has only transferred {$510000.00} and is unwilling the transfer the remainder of the over payment ( {$5800.00} ).
Product: Credit reporting or other personal consumer reports

I have been trying to dispute all inaccuracies on my Transunion and my XXXX report. They are not allowing me to do so. Transunion is opening and reopening collections account that are over 10 years old. XXXX because I will not pay for that service has put false collections on my report because I complained to you guys. When you try to call they dont answer the phone. Transunion is illegally opening and reopening accounts because I made a complaint. I have been dealing with this for a long time and need some help.
Product: Credit reporting or other personal consumer reports

Dear Transunion, Recently after disputing with identity affidavit and you failing to accurately verifying the account you removed this account. Weeks later it shows back up remove this fraudulent account and please stop accounts from reappearing this is messing with my livelihood. XXXX XXXX openedXX/XX/2023 this account isnt mine, its not reporting accurately I have no association with this account remove it. You failed at providing a description of investigation when I asked. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). I put in a requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681 ( 7 ). You are violating my federally consumer protected rights. Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Product: Mortgage

I was charged and paid a fraudulent fee. My loan was transferred another mortgage company at the end of XXXX have had nothing but issues. I had to get my lawyers involved to rectify the errors in my account. 
When I first received information from the new mortgage company back in XXXX the statements showed I owed {$27000.00} and that I had not made payments in the last year. I do n't know whatinformation they received from the old transferring mortgage company, but I do know that I sent the new mortgage company, the court documents stating the terms to the loans from my bankruptcy that was discharged XXXX 2015. I made payments on time and monthly to the old mortgage companyaccording to terms of the agreementby the courts since XXXX 2015.There was no change to my accountafterI sent the information to the new mortgage company.So, thenI had to get my lawyer involved and they sent all thedocuments showing the court agreement and proof ofpayment since XXXX XXXX! 
XXXX, I received a monthly statement showing Iowed $ XXXX the statement there was no breakdown of why the payment was more than the monthly payment. I asked my lawyer and they thought it was due to increase in escrow. So, I paid it to avoid any late fees.When I got my statement this month is shows the extra money I paid was not for escrows but for fees. It does not state what type of fee. I should never of been charged any fees of any sort. I have made every payment according to court documents and have provided proof of payment. I called the new mortgage company. The told me they were foreclosure attorney fees. This fee is a fraudulent charge. I contacted my lawyers and they said I should not have received any fees and we can take both the old and new mortgage company to court to get the fee back and for getting my information incorrect from the beginning. I am already incurring lawyer fees to errors that were made from both bank.I should not have received any fees from the bank. XXXX companies are in violation of the confirmations order and discharge order in my bankruptcy. I have followed everything byagreement with the courts. I should not bepayinglawyers to fix errors by your bank! The terms for the loan are very clear in the court documentation. I am requesting the {$670.00} to be refunded back to me as it is a fraudulent charge. I do not have that kind of money to just throw away and expect better from our system. I have called and spoke to numerous people I have emailed them. I 'm so frustrated as I have worked hard to repair my hardships. The only way to rectify this is to pay more money to take them to court. This is criminal. I am a single mother who is law abiding and I am looking for some support as I feel I have become a victim of the system. They also are in violation of the agreement by not reporting to the credit bureau the payment that I have been made for the past 13 months. I am pleading with you to help me rectify this situation. I can not afford to hire lawyers as I already hired them. It is not right that these mortgages companies violated and continue to violate these court orders. This is affecting my lively hood and my children.
Product: Debt collection

Hello, amount in dispute : XXXX $ In XXXX, I bought a car and a loan from XXXX XXXX  based in California. 
in the spring of XXXX, the car got repossessed after a month delay to pay as I was abroad. 
I had moved from the place where I was staying when I bought the car. 
soon, in XX/XX/XXXX, the company went to court. 
Case notifications were sent to a wrong address ( former address ). 
on XX/XX/XXXX, a default judgement was entered. 
in XX/XX/XXXX, the police came to look for me at my new address and was told to go to court. 
when I went to court on XX/XX/XXXX, I was examined and was released. I insisted that I was not served. 
after that, XXXX XXXX  went quiet for 2 years. 
in XXXX, XXXX XXXX  again filed an order of examination, it was sent to a wrong address again, an arrest warrant was issued again. the police found me to the right address again. 
I went to court, I repeated my claim of not receiving any notification. I was let go home. 
on XX/XX/XXXX, Pacific Credit exchange was assigned of the collection of the debt. 
in XXXX XXXX, Pacific Credit Exchange posted on my credit report. 
I never received a notification or there is no indication that they even tried to reach out to me. 
once I realize this, I went to court to have the motion to vacate of the judgement but it was too late as the judge claimed. 
however, I was misled as even the two times I went to court I was only interviewed and responded that I did not receive notification. I have shown proof to courts that I had moved long before the case was filed, but they argue on the statute of limitation to appeal. 
since the credit reporting from Pacific credit exchange was posted I have suffered negatively. 
I am a small business own, I can get credit I can't get travel credit ( my sister got married and her kids could not travel due to this ) I can't get my speaking gigs as I used to be I have sent a letter to both these companies but since my motion was denied, no cooperation. 
all I am asking to get the record be removed since I was not notified and even if the notice was sent, it was sent to a wrong address as evidenced in the court records pacific credit exchange provided ( it had my old address ).

note : I believe it is a deliberate effort because I have been arrested ( 2 warrants ) and was at the same address. even, when I came to court, I provided my correct address. 
I have not refused to pay except that we are still in courts. 

why would they post on my credit report? 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo decided for no reason to close all of my checking accounts and credit cards five years ago. But, now all of a sudden are sending me marketing emails for their bank with no way to opt out without being able to log in and change options. Although prior to them closing my accounts already had that option to not receive marketing emails chosen. I have sent Wells Fargo emails asking to stop sending any and all email, but it still continues. I would like Wells Fargo to have an unsubscribe tab on all emails without having to log in. They made a choice to cancel my accounts, I choose to cancel Wells Fargo and not have to see anything related to that bank in MY email box. I want out!
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with XXXX XXXX XXXX XXXX bank. There is also a personal loan with XXXX  inc. that took place in XX/XX/XXXX. XXXX there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXXXXXX XXXX that i need off. It was opened XX/XX/XXXX. There is also a debt buyer account that is {$500.00} past due on my experian report, from XXXX XXXX XXXX  ( XXXXXXXX XXXX ). I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.
Product: Debt collection

Myself, my wife, my wife 's father, my brother all received a call on the same day and multiple times from XXXX XXXX regarding a debt owed by a distant family member. We do not have any relationship with XXXX XXXX and we did not give written consent for them to contact our numbers.
Product: Credit card or prepaid card

Tried several times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 both online and over the phone to pay a bill that showed as deliquent in email but everytime I tried to pay online ( with current routing numbers of my bank ) I would get a payment processing error. Now I am being told I have an additional late fee and there is no waiver. My credit score had suffered through issues paying this card and the inaccessibility of their online platform..
Product: Mortgage

I refinanced my loan with Greenlight Loans, a division of Nationstar Mortgage, and was funded with a new loan with NationStar on XXXX XXXX. The old loan account on Nationstar 's website was not flagged at all. Not flagged means the account can accept any kind of future payment or changes. On XXXX XXXX, I received an email from Nationstar that my Auto-pay for the old loan was being paid. I immediately emailed them that the old loan was fully paid and yet, on XXXX XXXX, the money was taken out of my bank account. I emailed them again and received a generic response, basically saying, sorry for the inconvenience, but we have your money for the next 30 days ... interest free. I finally called them and a customer representative told me in 18 days after the funding date ( XXXX XXXX ), that I 'll receive my refund check. That day has come and gone! 

The whole problem is that Nationstar is setup to capitalize on human errors. For example, if a consumer mistakenly writes a check with the old loan number or use an old loan stub ... that check is credit to the old account and wo n't get it back for 30 days. In the meantime, a consumer will not know their mistake until they received a delinquent notice on their new loan. Delinquent charges and possible payment processing fee kicks in after 9 days of the Due Date. All they need to do is to play dumb, drag their feet, and the longer it takes to resolve a mistake will result in collecting more fees or free use of customers ' money. 

NationStar 's website needs to have accurate information about the status of the old loan account. This old account should be flagged with notation that the loan is paid, closed and inactive, show any credit balance and a refund date ... none of this unpaid balance owing and your next payment is due on XXXX XXXX.
Product: Student loan

We have been paying these loans for 9 years and when you look at their information it is still at the amount we started out at 9 years ago. My father paid on these loans while he was still alive even when I was in school. I have paid for 9 years and it 's saying we have n't paid anything besides interest. We are getting hosed. They are never willing to work with us on anything. I have XXXX kids and a wife at home and work my XXXX off and ca n't afford these rates. I want someone to review this case as something shady is going on. I have seen several complaints like us and I believe something is not correctly being applied to my account. PLEASE HELP US! We ca n't afford any of this!
Product: Credit reporting or other personal consumer reports

Request for Removal of Unauthorized Inquiries Under Section 1681b of the FCRA Dear : My name is [ your full name ]. I am filing a complaint regarding unauthorized credit inquiries appearing on my credit report in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). 

The inquiries that I do not recognize or authorize are : XXXX XXXX transunion XX/XX/XXXX XXXX XXXX  transunion XX/XX/XXXX XXXX XXXX transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting removal of these inquiries and an investigation into their legitimacy. 

Thank you for your prompt attention