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

I noticed this fraudulent inquiry on my XXXX credit report and I've disputed it several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiry immediately, thank you. 

Hard Inquiry Date CBNA XX/XX/20
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX # XXXX XX/XX/year> -- {$640.00}
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my deep concern and disappointment regarding the fraudulent business practices we have experienced with Aqua Finance. This company has been engaged in deceptive tactics, including false advertising, high pressure sales tactics, scare tactics, hidden fees, and misleading product claims. These practices not only violate consumer protection laws but also erode trust and confidence in the vendor. As consumers, we feel betrayed and misled by this company 's actions.

We contacted Aqua Finance many times regarding the tactics used and were told that they are not responsible for the actions of the sales force representing their product. 

We also contacted Aqua XXXX XXXX XXXX, the seller, multiple times about the water system itself. It has not worked properly since the beginning. We have had maintenance & plumbing problems with the unit. Once we called about the sensor that is inside our house to monitor XXXX and salt use, and the tech from XXXX XXXX told us to just throw it away because it does not work anyway. They would not provide a replacement. 

We have been paying for this system for 5 years and we still owe a substantial amount as balance, which is most of what was financed. Most of the monthly payment goes to interest and the balance never seems to be reduced. At this rate, the balance will be repaid, if ever, long after the original agreement. We demanded a refund and the termination of the agreement from Aqua based on the performance of the system and misrepresentation, and they refused. 

I urge you to take immediate steps to rectify these unethical practices and have this company take responsibility for the harm caused to consumers, like us. We would like to get a full refund of the money we have wasted. We feel we have been swindled. 

We look forward to discussing these matters with you and seeing if we can bring this nightmare to an end.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00} XXXX XXXX XXXX XX/XX/XXXX {$54000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$510.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 reporting or other personal consumer reports

Account number XXXX Account number XXXX Account number XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding my credit report with Equifax. I have recently moved, and my new address is as follows : I have observed that this updated address is correctly reflected on my XXXX and XXXX credit reports, but it appears to be missing from my Equifax report. As per the Fair Credit Reporting Act ( FCRA ), accurate and up-to-date information is crucial for maintaining the integrity of credit reports
Product: Mortgage

Approximately one month ago I received a letter from the mortgage company ( Carrington Mortgages Services ) stating that a disaster had been declared in our area and we would be eligible for forbearance if needed. I ignored the letter as we know of no disaster and are not in need of any assistance. XXXX  I received a letter from them stating that they received a request from me to voluntarily cancel our forbearance plan and that as of the date of the letter my loan is no longer in forbearance. This statement implies that they put it in forbearance at some time! I called the company XXXX  ( XX/XX/23 at XXXXXXXX XXXX XXXXXXXX - spoke to XXXX XXXX and told them at no time did we request assistance or any kind of plan and that I wanted a letter from them stating that my loan has never been in forbearance and that they did not report any such info to any credit bureau. They stated that they called me last month and that I said that we didn't need any assistance. I do not recall that phone call at all. However, even if I did receive the call and told them no assistance was needed, I am still angry at the implication that my loan was in forbearance at some point and I want something in writing from them saying that it was not. They refused, saying that that was the only letter they could send me. I also want in writing from them that they did not report any forbearance activity to any credit bureau. That is my main concern.
Product: Mortgage

XXXX XXXX XXXX XXXX. XXXX : I claim Wells Fargo perpetrated XXXX  and intentional gross negligence on me as a mortgage Consumer from XX/XX/XXXX to XX/XX/XXXX 1 ) From XXXX of XXXX to XXXX of XXXXXXXX  Wells Fargo denied approval of loan modification due to over XXXX false entries on my mortgage account history that directly resulted in denials of loan modifications. examples of statements in my account history posted by Wells Fargo : I am XXXX, I am a man, I am XXXX XXXX XXXX, I had a baby, I am in the military, that loan modification options are exhausted ( 10 months prior to submitting the initial Request for Modification Approval ( RMA ). 
2 ) Wells Fargo also did not apply payments that were made by me from XXXX XXXX XXXX. 3 ) Wells Fargo illegally dual tracked my by suppressing decisions on a loan modification while filing foreclosure on me at the same time XX/XX/XXXX violating RESPA laws. 

Please see 50 pages of documentation to support my complaint/claim. Including the following : 1 ) 200 of the 1600 false entries made by Wells Fargo from XXXXXXXX XXXX XXXX ; and 2 ) copies of mortgage statements showing unapplied funds ; and 3 ) to support the claim of illegal dual tracking - copies of the XXXX XXXX and court case documents that occur simultaneously with the dated entries on the Consumer 's account for loan modification decisioning made by Wells Fargo. Also copies of the entries where Wells Fargo intentionally suppressed the loan modification decision to the Consumer in an attempt to `` avoid '' the appearance of dual tracking.
Product: Credit card

I am writing in regard to the account for the above named ending in XXXX. I was recently made aware that certain charges to this card were placed in a " pay over time '' option. This oiption was initiated in XXXX 2011. 

Neither I nor my wife asked for this option. As a result there have been 15.25 % interest charges revolving since XXXX 2011. 

Our fault was not paying attention to this account - which was set to auto pay full balance each month. 

The other result was that the minimum balance was being paid monthly. 

Neither I nor my wife asked for this option. XXXX inquiries to the Security Division at American Express resulted in a response of " the change was initiated online '' and that I was liable for the full amount. 

Additionally, there are several unauthorized charges on this card. They are marked in pink on the attached spreadsheet. 

I have opened an investigation. It is case # XXXX. 

I NEVER authorized the opening of a " pay over time '' option. I admit to never opening or examining statements. I will pay any charges incurred by my family. 
I am asking that I be credited for interest paid. 

I am currently in a tough position - stopping payment would result in poor credit. Making payments could possibly imply guilt. I am stuck - I must protect my family.
Product: Payday loan, title loan, or personal loan

I had a loan with RISE. I became delinquent on this loan. At the exact 60 day mark, RISE made the decision to charge off the entire account. 

On XX/XX/1999, the FRB, FDIC, and OCC issued the Uniform Retail Credit Classification and Account Management Policy, which established a charge-off policy for open-end credit at 180 days and closed-end credit at 120 days delinquency. 

I contacted them both before and after the loan was charged off and offered to pay off my loan balance, but also requested that they remove the charge off, as nowhere in my contract or their company terms and conditions did it state that they would not follow the federal guidelines. They replied that they have a " 60 day policy. '' When I called and spoke to an agent, the agent indicated that he could find no documentation stating this " 60 day '' policy, nor had I signed any documents agreeing to those terms. 

Upon speaking with an attorney, I was informed that the law outlining bad debt as well as the presumption of uncollectibility states that after reasonable and customary attempts to collect a bill, AND the debt remains unpaid for more than 120 days, THEN the debt may be deemed uncollectible and charged off. 

I offered to pay off my debt ( either a settled amount or original full amount ) in both email and over the phone, and yet despite my emails and calls, RISE decided to sell off the debt to a debt collector, thus adding insult and injury to an already unjust situation. They were uncooperative, unhelpful, and if their decision to sell off my account during the middle of our dispute is any indication, they're vindictive too. What reasonable creditor doesn't want to be repaid their money and would choose to sell it off instead?
Product: Mortgage

This is my second attempt to solve problems with what my mortgage co is doing they are not answering my questions they are not telling the truth I have paid extra in my escrow and they have not applied the money there .They have sent me account information sheet that clearly shows payments not applied to my account .They have sent me transaction history which clearly shows payments not applied and the extra money i have with receipts shows I paid extra to escrow and they have not applied it per paper work they sent me on these months ; XXXX/XXXX/XXXXthey show I paid XXXX the check they receive from me was for XXXX XXXX/XXXX/XXXX shows on their paperwork payment received was XXXX my check was XXXX I show at least 30 payments that they have done this with They are not telling the truth and are stealing money from me and my account .There was a XXXX check written to Washington Mu. on XXXX/XXXX/XXXX it was not applied by them or chase check number XXXX they are not collecting the escrow a year at a time so I am short every time my taxes and insurance is due. but if you look how much they collect in a 12 months time there should be enough or a little short they collect escrow from XXXX to XXXX but pay the insurance in XXXX and taxes in XXXX and XXXX They are telling me I am XXXX short. For example they collected per them from XXXX to XXXX in XXXX XXXX and paid Taxes of XXXX plus insurance of XXXX XXXX so as you can see there was enough to cover the cost at no time have I had the money to cover taxes and insurance.but on XXXX/XXXX/XXXX i see where there is a minus on my loan for XXXX saying it is a restricted escrow disbursement on XXXX/XXXX/XXXX there is a restricted escrow refund of XXXX and also on XXXX ; XXXX a restricted escrow refund of XXXX also on XXXX/XXXX/XXXX there was a XXXX restricted escrow disbursement and XXXX/XXXX/XXXX there was a restricted escrow refund of XXXX have sent 2 requests for some one to tell me where these funds went they will not answer me .when they got the loan it was for XXXX per what they sent me but when we did the modification they have it listed at XXXX seems there is extra money on mod paper work and not the same on the account info also my loan from XXXX was a XXXX since chase bought Washington mu they should answer these questions my contract from Washington mu shows XXXX for principal and interest taxs XXXX and insurance of XXXX .total of XXXX as of XXXX/XXXX/XXXX no money has gone on principal and every month there was XXXX in curtailment no one will explain whyXXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX payments were not applied on my account for mortgage on XXXX/XXXX/XXXX they have a loan maintenance charge of XXXX and XXXX theyn say its not there well on my cooy it is has it been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items 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 items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Credit Collection Services reported a debt on my credit report that does not belong to me and never gave me the opportunity to dispute it prior to reporting. I've attached the police report for this fraudulent account to this complaint. I want the debt removed from my report immediately.
Product: Credit reporting or other personal consumer reports

As a tax payer, I appreciate the services the CFPB provides through XXXX and XXXX - without the requirement that I pay these organizations for the basic services- including freezing, or unfreezing my accounts with each organization. Consumers are currently burdoned with a major data breach and advised to freeze their reports. Your third organization ( Trans Union ) also offers to freeze my credit information, but first requires payment of a charge to create an account. The Trans Union web site is tricky. While it claims it will freeze my account for " free '', it only permite setting up an account and subsequently freezing it, if I pay a fee. My complaint is that as a Government organization created to help protect my financial well being, I should not have pay for the " service. '' In addition, if I do not pay the Trans Union, the organization will provide to other parties the information I have been advised to freeze, and thereby place me in a potential situation that could destroy my financial position. Isn't the avoidance of that situation the reason the CFPB was created in the first place?
Product: Checking or savings account

On XX/XX/year>, I received a fraud alert text from USAA. Upon calling, I was informed that I'd have to call on the next business day to speak with someone in the fraud department. The next day I called and was informed that my accounts were closed due to suspected fraud, and that any funds in the accounts at the time of closure would be returned within XXXX  days. XXXX of the XXXX accounts belonged to my children, I had opened them when they were minors. As young adults working their first jobs, USAA also restricted their access. This sudden closure caused financial hardship, as I was unable to access any money, and for ACH withdrawals that were scheduled, I had no way to cancel them. Because I was locked out of my online accounts, I was not able to view my insurance policy documents or make payments online. To date, I have not received an explanation. The fraud department doesn't allow incoming calls ; it was impossible for me to provide a response to their actions.
Product: Credit reporting or other personal consumer reports

espite ample evidence of violations presented, Experian has opted not to remove the debt, despite no changes being made to the report. Experian Violations : 1. Failure to Provide Comprehensive Verification ( Code : XXXX ) : Experian neglected to conduct a reasonable reinvestigation within the mandated timeframe, as demonstrated by insufficient documentation from XXXX XXXX XXXX. This breaches FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76. 2. Delay in Responding ( Code : XXXX ) : Experian failed to respond within a reasonable period despite receipt of my letter dated XX/XX/year>, thereby violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field 79. XXXX XXXX XXXX Violations : 1. Failure to Provide Comprehensive Verification ( Code : XXXX ) : XXXX XXXX XXXX 's documentation inadequately links the debt to me, contravening FCRA Section 611 ( a ) ( 1 ) ( B ) and the Metro 2 standard, Field 76. 2. Neglecting to Address Dispute ( Code : XXXX ) : XXXX XXXX XXXX failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard. 3. Shifting Burden of Proof to Consumer ( Code : XXXX ) : XXXX XXXX XXXX wrongly shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart. i have uploaded proof
Product: Debt collection

This is not my debt ive told them that was in the XXXX  when these purchases happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the XXXX data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.
Product: Checking or savings account

On XX/XX/XXXX I had a balance of XXXX in my chase checking account in XXXX NM. I paid the XXXX XXXX XXXX using my debit card made a debit card purchase at XXXX XXXX of XXXX and a purchase at XXXX of XXXX. I checked my balance on my app 2 days later. My balance was negative - XXXX. I believe chase bank intentionally processed my withdrawals and credits to cause this overdraft. Please investigate. I have another account at another institution and I will close this account out in XX/XX/XXXX and pay chase anything I still owe them.
Product: Credit reporting or other personal consumer reports

Upgrade Inc. is inaccurately reporting a late payment on my account that is allegedly more than 30 days past due. However, there are discrepancies in the reported dates across the three major credit bureaus : XXXX : Reports the late payment as occurring in XXXX of XXXX  ; XXXX : Reports the late payment as occurring in [ Different Month ]. 
XXXX : XXXX the late payment as occurring in XXXX of XXXX. 

These discrepancies are affecting my credit score and misrepresent my creditworthiness. my account was never more than 30 days past due. 

I have previously contacted Upgrade Inc. to address this issue, but they have not corrected the error. Additionally, I have filed disputes with each of the credit bureaus, but the inaccuracies have been verified without proper resolution.
Product: Student loan

My issue is with Navient. 
I have two accounts the first one is as follows : In the past 4 years ( this is only how far back I can see with XXXX XXXX ) I have paid {$15000.00} on a {$18000.00} loan and they are still showing I owe them {$19000.00}. My balance went up by XXXX. I had three missed payments between 5 to 7 years ago and I don't see how they could be charging a {$20000.00} late fee. 

The Second one is for a loan for {$5000.00} that shows I owe {$5800.00} ( XXXX ) In the past 4 years I have paid them {$4500.00} Please keep in mind I am only able to see back 4 years with XXXX XXXX If I recall I took over paying them when they were past due by 3months around 7 years ago and have never missed a payment since. That would mean I have paid a total of {$34000.00} on a total loan amount of {$23000.00}
Product: Debt collection

The account is Syncb/XXXX XXXX, the primary account holder filed bankruptcy and i was never notified about this account never owned an XXXX XXXX card or account and i have never bought any furniture 's from them. when i call them and given my information they have no record of me, they keep switching me to different departments. this account shows closed/derogatory/revolving on my XXXX credit report. i disputed this account on XXXX  and XXXX and has been removed from my account. i have disputed this account thru XXXX and nothing has been done. all i need is help am trying to by a home and this one account is not helping at all, it shows as closed but is still impacting my credit i would like to get it removed completely. so far no one has been able to answer my questions or even help.