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

I received an offer for a Wayfair Citi card, I went to their page the application said I was pre-approved, I read over the application as I read it my information was already prefilled in. But when it came to submitting an application I decided the interest was too high and opted out. Then a few days later I have an alert from the Credit Bureau that I had a hard inquiry, I found out it was the city Wayfair. I called them and said what is going on, the girl said oh do you want to finish your application and I said finish? I never even applied and I wanted that hit removed immediately, she claimed she could not do that but I could cancel my application and I said WHAT application? She said it was incomplete, I then asked her why they were doing hard hits on incomplete applications. I told her to make notes of the phone call and delete any information and when I sent in the dispute it needed to be honored she said ok, and I receive a letter telling me they canceled my application but did a hard hit, I AM FURIOUS! I NEVER submitted an application to them, further proof of this is XXXX emails from them stating that I had submitted an application XXXX emails saying I had an incomplete application, only after I called and demanded they remove the hit did they send a letter. Why would I put in an application and not get approved??? They have no answer for this, only that they needed more information, which is a lie because I was already pre-approved! I know with 100 % certainty I would be approved why would I allow a hard hit to my credit and walk away with nothing? I want this hard hit removed and an apology! They need to fix their stealing thieving software!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

XXXX XXXX a money transfer was sent to XXXX XXXX in the amount of {$200.00}. Since that day, the transaction has been stuck and delayed. Every 6 hours the WorldRemit company sends automated messages telling me that the transaction is still delayed. 

I phoned on XXXX XXXX and was told that the company is having technical issues with transactions to XXXX. The representative told me to look out for an email telling me that they agreed to refund me my money. 

However I only received an email asking me to answer a survey.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in regards to the Credit Acceptance account on my credit file # XXXX. The payment history for this XXXX XXXX # XXXX reflects the month of XX/XX/XXXX reported as 60 days late on XXXX, 30 days late on XXXX and 30 days late on XXXX. The payment history also reported the month of XX/XX/XXXX as 90 days late on XXXX, 60 days late on XXXX and 60 days late on XXXX. This is inaccurate and places into question which credit bureau is reporting the correct information, there is no way you can be late 60 days and 30 days in the same month. Also, late payments can not be legally verified without furnishing a copy of the creditors bank statements to show proof of missing or late payments. I am requesting a copy of the bank statements from Credit Acceptance for the account # XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. If you can not furnish legal proof of missing or late payments via their bank statements and provide them to me, then I am requesting you update this account to paid on time, never late for the months of XX/XX/XXXX and XX/XX/XXXX due to inaccuracies and false reporting. Please keep in mind that in XXXX the New York State Office of the Attorney General and the CFPB have sued Credit Acceptance for hiding the true cost of credit, setting up borrowers to fail and closing its eyes to harmful practices against consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I was contacted by a company/collections agency that says I owe them money. I told the young lady on the phone that I had no idea what she was talking about that I'd never been a customer of theirs. After l hung up, that made me then go check my credit. I saw things on my credit that I have no idea where that stuff came from. I am concerned. I also decided to call the police and FTC thanks to my friend who work at a bank. Please delete all the items that are not mine as soon as you can. These are the items that showed up : 'XXXX  XXXX , XXXX/XXXX, XXXX/XXXX, XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX.
Product: Mortgage

Provide me with proof of precious payoff, releases and truth in lending statement or release the lien on my house
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and despite six disputes, TransUnion has failed to remove fraudulent accounts from my credit report and has reinserted previously deleted fraudulent accounts without providing the legally required notice. I have attached my several FTC reports, Dispute Updates from XXXX AND XXXX, Utility Bill, Drivers License, Social Security Card several times and TRANSUNION continues to send me notices stating my documents are not acceptable. They are attached again to this CFPB Report I have submitted an FTC Identity Theft Report and supporting documentation, yet TransUnion has refused to comply with the Fair Credit Reporting Act ( FCRA ) and continues to report the following fraudulent accounts and inquiries : XXXX XXXX inquiry ( XX/XX/scrub>XXXX XXXX XXXX XXXX inquiry ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, {$4500.00} ) XXXX XXXX XXXX loan ( Account XXXX, {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX, {$31000.00} ) XXXX  ( Reference Number : XXXX ) FCRA Violations by TransUnion : FCRA 605B Failure to Block Fraudulent Accounts : TransUnion failed to block fraudulent accounts within four ( 4 ) business days after receiving my FTC Identity Theft Report and supporting documents.

FCRA 611 ( a ) ( 5 ) ( B ) Unlawful Reinsertion of Deleted Items Without Notice : TransUnion reinserted the following fraudulent accounts without providing the required notice within five ( 5 ) business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FCRA 612 ( a ) ( 1 ) ( A ) Denial of Access to Credit Reports & Online Disputes : TransUnion restricted my ability to dispute online and denied me access to my free weekly credit reports, violating the CARES Act and FCRA 612 ( a ) ( 1 ) ( A ).
Product: Mortgage

I am writing to formally request assistance regarding a {$500.00} nonrefundable application fee charged by AmeriSave Mortgage Corporation for a HELOC application that I cancelled on XXXX XX/XX/year>, within 3 days of applying. I believe the company 's refusal to refund this fee, despite the early cancellation, warrants reconsideration and potential review by the CFPB. 

On XX/XX/year>, I applied for a HELOC loan with AmeriSave Mortgage Corporation and paid a {$500.00} application fee. However, after reviewing my financial options further, I decided to cancel the application and requested a refund on XX/XX/year>. I notified my mortgage banker who informed that that the application fee would not refunded. He cited Florida law, which allows for nonrefundable fees for completed applications. However, I believe this should not apply to my case, as the cancellation was requested almost immediately, before any final processing of the application was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is making it impossible for me to obtain my consumer file. I tried two times on line and they keep telling me they can not validate the pin they send me and by phone the automated system keeps cutting me off. I can not reach someone in person. 

Lexis Nexis Consumer Service Center XXXX. XXXX XXXX XXXX, Georgia XXXX
Product: Student loan

I enrolled in XXXX XXXX XXXX, CA campus in XXXX and during enrollment I was paying a private loan from a lender named Genesis Lending Services XXXX I completely paid them off years ago in XXXX. I am now aware that there has been a lawsuit, and I want to receive a reimbursement of some sort. I never worked in the field after completing classes. I am overwhelmed of all the fraud they have caused. I tried reaching them now, and I can not find any information. I threw all my old receipts away unfortunately, yet I recall struggling at the time to pay them off, I am more mature now and as I am learning to take care of my finances, the past has haunted me, and I wish to collect something for there fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my consumer report on XX/XX/2021 from XXXX, XXXX and Equifax Information Services LLC. When I received the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " bureau '' means Bureau of Consumer Financial Protection. At no time have I ever signed a contract with XXXX, XXXX and Equifax Information Services LLC ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and/or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this constitutes as identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I wrote XXXX, Experian and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion removed a XXXX account and placed it back on my credit report without notifying me within 5 days of reinsertion which is clearly violation of the FCRA. i disputed a XXXX account that was showing up on my credit report. after disputing it with transunion in the file that maintain under my social security number. I was informed on XX/XX/XXXX that it was deleted from my credit report and now on XX/XX/XXXX I checked my credit report and noticed that the item has been reinserted on my credit report. I 'm accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or ; if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. Also I filed a complaint with convergent and I was informed that this account was being removed from my credit report they even uploaded supporting documents that they put the request for removal but transunion somehow refused to remove it.
Product: Student loan

XXXX sent a payment to Navient of {$120000.00} and they wo n't respond to e-mails or post to my account. I 've never been late on any payments. I believe they are holding to collect interest each day they do n't post.
Product: Debt collection

i have never recivied verification or proof of this debt, and this debt is reporting incorrect information, its not reporting the original date of debt ... .just the open debt date, which is two years later
Product: Credit card

I had a JC Penney payment due on XX/XX/2017, the payment has to be made by XXXX on the due date. I had made the payment on their website through my checking account like I always do. I have a confirmation email that the payment was made XXXX. I received a {$25.00} late fee!! The payment was made in plenty of time to AVOID that. They can not put a late fee on because of a payment made on the due date in plenty of time. They should not be allowed to harass all of their customers with this type of late fee.
Product: Debt collection

Dear FINANCIAL RECOVERY SERVICES INC, I am responding to your contact about collecting a debt that I do not owe to you. You contacted me By mail on XX/XX/year>, and identified the debt as a XXXX XXXX XXXX account as of XXXX in the amount of XXXX. I do not have any responsibility for the debt youre trying to Collect. 
I have never had an account with FINANCIAL RECOVERY SERVICES INC. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all communication with me and with this address, email address and phone number and record That I have dispute having any obligations for this debt. If you stop your collection of this debt and forward or return it to another company please indicate to them that it is being disputed, If you plan to report this debt to a credit bureau or have already done so please also report that the debt is being disputed. 

Thank you for your cooperation Sincerely
Product: Mortgage

I have been in the middle of a loan modification over a covid forbearance plan i was on, during the modification XXXX XXXX my loan servicer did not apply a payment correctly, this was corrected and I was sent documents to sign while I was on vacation with no notice of this. When I got back I called XXXX XXXX and they told me it was OK as long as they are sent by the end of the month, which they were. My modification documents were received on time ( admitted in a recorded call by XXXX XXXX ) and they told me to wait and do not pay for the month of XXXX yet. I waited and called again and they stated on a phone call also recorded by the company that they were sending new documents to resign and be patient. I continued to wait into XXXX when I called again, I was told to continue waiting. Eventually on XX/XX/XXXX I called again and was told that there are no new documents and that I need to just make the XXXX and XXXX payments for the modification to finalize. I made a payment to that representative for {$3000.00} as shown in my bank statement attached, in a recorded call again by the company, to go to the XXXX and XXXX payments. Days later my mortgage was transferred to Round point mortgage. Now round point mortgage displays my XXXX payment as missed and are threatening to put me in collections. I had a three way conversation with XXXX XXXX and Roundpoint on XX/XX/XXXX, recorded by both companies, to which I was told after an hour of the XXXX XXXX representative looking into it that it clearly was paid but not applied, that it was instead applied to " bookings '' and that I should just pay the XXXX payment. 

Since all of this I have submitted a complaint against XXXX XXXX to the CFPB which XXXX XXXX did nothing about but pass blame on to Roundpoint. Roundpoint acknowledged this issue multiple times in many calls over the past few months, I have been told on multiple recorded calls that the problem will be taken care of only to recieve a call from Roundpoint a week later saying that I'm still behind. Every time Roundpoint does nothing about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 XXXX Dc XX/XX/18 XXXX XX/XX/18 XXXX Fa XX/XX/18 Discover Bank
Product: Vehicle loan or lease

KIA repossessed my car this morning @ XXXX on XX/XX/2022. I been on the phone with them since XXXX. I have kept in contact with them about my situations.. Ive had one request that has yet to be full filled. But the representative ( XXXX ) tells me I cant get my car back due to lack of residence but your able to find my car anywhere. I stated to XXXX the Representative I live in a XXXX XXXX XXXX & theres no physical address.. That address is confidential because you could be or know my assailant.. So I gave him the address where my mail goes.. He tells me.. Thats not good enough. Really! I asked XXXX how much I need to pay.. I have yet to get an answer. I want to speak to a manager he tells me 72 hrs is the window frame of one calling me back. So I asked him can I talk to the person who denied my request for my lack or residency. He said yes up to 72 hours XXXX call you back.. Wow! I need HELP, ANSWERS, & RESULTS!
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that LCI did not have my expressed or written permission to seek out and report information about a bankruptcy on my consumer report. This action constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Per 15 USC 6802, I hereby explicitly state that I do not give LCI, its affiliates, or any third party permission to obtain or report any such information about me. The unauthorized inclusion of bankruptcy information in my consumer report is both inappropriate and unlawful.

I am considering my legal options in response to this violation of my consumer rights. I request that you immediately cease and desist from reporting any information about my bankruptcy, remove any such information from my consumer report, and confirm in writing that this action has been taken.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX XXXX and XXXX  union immediately! 

XXXXXXXX XXXX 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 or other personal consumer reports

I have been sending letters and calling all three bureaus for the past 10 months starting XX/XX/2023 to correct the following. I also informed them that my information had been compromised and I needed help. Even filing a police report and constantly sending letters did not help. When I called trans union actually asked me to give them a heads up if I file a complaint with you. I bullied and trapped by this corporate machine please help! 
1. All of the Hard inquiries are not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is not my account 3.Department of Education loans are paid in full and not reporting positively on my account even though the status is paid in full. On Trans union the balance has not been corrected and my student loans are reporting with a balance. 
XXXX. XXXX XXXX account number XXXX is not my account. 
XXXX XXXX XXXX XXXX XXXX  NOT MY ACCOUNT XXXX. XXXX XXXX NOT MY ACCOUNT I've been reporting fraud for almost a year and calling monthly the reps ignore me and Im at the point of tears because I reached out and pleaded in writing and via phone for assistance and none was granted! Please help
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Equifax is not complying by reporting related credit accounts onto my consumer report. This is causing me harm and denial for credit which is my right granted to me.

I have contacted several of my creditors who state that they are actively reporting my accounts correctly that I should contact Equifax.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus