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

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and over 3 months since my second written request and I still have not received any responses.
Product: Credit reporting

There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all three credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 my card was reported as over the limit. I paid down and resolved issue. XX/XX/XXXX card was reported again card over limit and it is not over the limit.
Product: Credit card

Disputed charge from XXXX  XXXX, Date XX/XX/year> in the amount of {$89.00}. Merchant has a 100 % satisfaction guarantee. I contacted them in a timely manner to request returning the item and getting a full refund as I was not satisfied with the quality of the item. They gave the run around and kept saying it is what I ordered. That is not in dispute. I am not satisfied with the qualify of the item so wish to return it. Multiple emails back and forth between myself and merchant were supplied twice to Capital One dispute center along with a long explanation that I am not 100 % satisfied and want a refund. The merchant attempted to get me to place a false review online in order for them to refund me. I refused. I disputed the charge with Capital One as the merchant is clearly violating their return and refund policy. Capital One closed the dispute stating the merchant said the item was delivered and in good condition. This is not in dispute. I am not satisfied with the quality of the item, I am not disputing that it was delivered. I appealed Capital One 's decision, they denied it saying I had not provided them with documents they asked for. I resubmitted the appeal with a copy of the documents - emails with the merchant and a copy of the return policy. Capital One denied it again saying I had not provided them with documents they asked for. This is not correct. I have submitted the documents twice, they have not bothered to read them as they continue to say the item was delivered which is not what I am disputing.
Product: Mortgage

My regular monthly Mortgage payment is {$1500.00}. 

1. 
On XX/XX/2018 I made my Regular monthly payment of {$1500.00} for the Month of XX/XX/2018. 
Along with that I made additional Payment of {$3500.00} towards my principal. 
The Company did not credit the additional payment of {$3500.00} to my account. Instead they transferred to Unapplied Funds. 

2. Similarly, I made my Regular payment of {$1500.00} on XX/XX/2018 towards my XXXX Payment. The Company did not credit this amount also to my account and transferred to Unapplied Funds Thus, my Total {$5000.00} has been sitting in Unapplied Funds without being credited towards my Mortgage Loan. They keep charging me interest on this amount. 

I called them twice before and also sent an email on XX/XX/2018,  but till today, this has not been settled.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX XXXX of CrossCountry Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tn XXXX was given permission to perform a credit application on my spouse and I for pre-approved on a FHA loan. Once CrossCountry Mortgage obtained a copy of both credit reports an agent representing CrossCountry Mortgage named XXXX XXXX contacted us. The Agent advised us that there were some things we needed to have removed from the disputes department with all three credit bureaus before approval. After starting the process of having the items removed from our credit reports the scores began to decrease rapidly within two weeks into XXXX of XXXX. Therefore, we contacted XXXX, XXXX, and XXXX on XX/XX/XXXX of XXXX, to inquire why our credit scores were taking a fall. All three Credit Bureaus advised several hard inquiries perform by CrossCountry Mortgage and XXXX XXXX was reason for the decrease in our credit scores. We advised all three credit bureaus that only one credit pull was authorize by us in order to get approval by CrossCountry Mortgage. The all three credit bureaus supplied us with dates and times The CrossCountry Mortgage performed each inquiry and mailed us paper copies of our report via USPS to our home address. Before we could address CrossCountry Mortgage to voice our concerns about the excessive inquiries made on behalf of their agent XXXX XXXX XXXX ; The CrossCountry Mortgage provided us with an email pre-approval letter on XX/XX/XXXX. Therefore, we didn't question XXXX XXXX XXXX the agent for CrossCountry Mortgage about the excessive inquiries, who was only given one authorization to pull our credit. After finding a home located at XXXX XXXX XXXX XXXX XXXX, TN XXXX, we placed a down payment of {$2000.00} dollars of earnest money for the home. Nevertheless, before closing, a vender was hired to inspect. The Veracity Home Inspection located at XXXX XXXX XXXX XXXX, TN XXXX, Owner XXXX XXXX XXXX conduct a home inspection on XX/XX/XXXX invoice to us. On XX/XX/XXXX, we received a call from a XXXX XXXX XXXX, an agent representing The CrossCountry Mortgage. XXXX XXXX advising, he would be completing our mortgage final obligations for CrossCountry Mortgage. On XX/XX/XXXX, XXXX XXXX called to say we did not meet the financial obligations due to our credit scores not qualifying. At this point we advised XXXX XXXX The CrossCountry Mortgage Company was responsible for the decrease in our credit score. Therefore, we voiced our concerns about their companys work ethics. XXXX XXXX continue with no hesitation to explain the at fault CrossCountry Mortgage and the termination of agent XXXX XXXX who is no longer with The CrossCountry Mortgage Team along with his deepest apology. On the very next day we called to speak with XXXX XXXX XXXX to file a complaint ; however, after several no contact with XXXX XXXX we sought out advise. Furthermore, the reason for filing a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX.
Product: Student loan

I called University Accounting Services trying to re-establish a payment plan ( XXXX ) for my student loan for " XXXX '' They advise me to call XXXX @ XXXX for them to advise me that my account is XXXX XXXX and they ca n't give me any information to contact XXXX by mail because they do n't even have a phone number for " XXXX '' them self
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened Nevada State Bank checking account online XX/XX/23. I decided to close unfunded BECAUSE phone rep stated any cash deposits would be held in limbo unusable, leading me to suspect data mishandling, but the rep refused to close account threatening monthly fees. So now I'm good enough to bill, not use my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained copies of my XXXX, XXXX, and XXXX consumer reports, and upon review, I observed that you have reported my transactions and experiences. Specifically, there is a late payment entry that you have posted on my consumer report :
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like to file a complaint on EQUIFAX for continuing to report inaccurate and unverified information on my credit report. I sent a copy of the check from my insurance company to equifax and also disputed the incorrect information and still equifax has ignored my proof and violating my consumer rights according to FCRA. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from XXXX XXXX stating the car loan was paid in full and that I overpaid the account and they were refunding me. In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a XXXX XXXX representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.

I want the CFPB to publish this description XXXX  information on my credit report. My XXXX XXXX account was paid in full
Product: Money transfers

On XXXX XXXX XXXX I contacted an ad on XXXX for a XXXX XXXX pickup truck. I left a message and XXXX XXXX XXXX XXXX called me back. He said he was a sales manager for XXXX XXXX XXXX in XXXX Kansas. He gave me all the info I asked for along with a copy of the title, video of truck running and specific pictures I had asked for. We negotiated and agreed on a price. They offered a shipping company who worked for them to deliver the vehicle to me within 72 hours after payment was received. On the XXXX we agreed on {$15000.00} plus shipping. At that time he wanted my drivers license in order to process the state paper work and to title the vehicle. He then emailed me a buyers order and all the account information to wire the money to their bank. On XXXX XXXX I went to our Huntington Bank and wired {$15000.00} to his XXXX account. After that he contacted me to tell me he received the money and that they were loading the vehicle on the truck and the truck driver would be contacting me. That evening the truck driver did contact me and said he would be here early afternoon on Monday XXXX XXXX. He would call when he was close. When I never got a call on Monday afternoon I began calling them and and never received any calls back. I started XXXX and realized it was a scam. They are still running XXXX other antique cars on other websites including the same truck I already was scammed on.
Product: Mortgage

Please see attached filing. The lender violated the provisions within the CARES Act with regards to forbearance. I was provided no documentation when the forbearance period ended and the lender requested the entire amount due in a lump sum payment. They subsequently proceeded with foreclosure.
Product: Credit reporting or other personal consumer reports

To whole it XXXX concern In accordance with the ( FCRA ) Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality again under XXXX XXXX XXXX. 

[ XXXX XXXX XXXX ] [ XXXX ] & [ {$7800.00} ] According to the FCRA the following rights have been violated. 

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In generalSubject 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 instructions of the consumer to whom it relates.

15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

15 U.S.C. 1681 Section 602 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality and respect for the consumer 's right to privacy.

All items need to be permanently blocked & removed from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  by telephone and their online customer service center. I only get a automated system that states a representative will call me back. When the call back happens as soon as you answer it hangs up. When submitting requests thru the online customer support it sends back a generic message and tells you to login to view details. My loan balance is incorrect and not reporting to my credit correctly. I have tried to call at least 10 times and have sent in 5 requests. Please help me resolve this.
Product: Mortgage

I NEED HELP. My complaint is with my mortgage company PHH Mortgage. <P/>In XX/XX/XXXX I began to have a financial hardship. I have a sick parent and XXXX XXXX XXXX grandfather and I had to leave my residence temporarily and stay in there home in Florida to help them. Due to this I was unable to pay my Mortgage in XX/XX/XXXX and XX/XX/XXXX and I feel like I was set up to fail by my mortgage company, now I am in jeopardy of losing my home. When i called to find out my options I was given a phone financial interview which I was told I pre-qualify for assistance, and advised to do a financial assistance package in order to apply for assistance. This seemed normal because over the course of my loan since XX/XX/XXXX I have had three other hardships and this seems to be standard operating procedures. At no time was I ever given any information about the requirements or rules by the lender of a modification. So I emailed the documents and waited for a response. I called to follow up every few days because I am away from my home and could not receive my mail. I received a phone call by my mortgagee company saying congratulations I have been approved for a loan modification and that my payments would be reduced for 6 months during the trial and after that is complete my payments would return close to the original payments and the past due would be put on the back end of the loan, again going through this three times before everything seemed appropriate. I began making payments as agreed ( payments were called in and paid over the phone ). I made 5 payments as scheduled and in XX/XX/XXXX I called to find out what my new payment would be after the modification. I was then informed I was not on a trial modification I was on a unemployment forbearance and I would be required to do a balloon payment and pay everything past due including the 6 months while I was on the forbearance. As you can imagine when I finally got a understanding of what my situation was i was very upset. i was told by PHH Mortgage ( my Mortgage company ) that my only options are to re-apply for assistance which I did in XX/XX/XXXX. I filled out the financial package again and on XX/XX/XXXX was called by my case manager XXXX XXXX ( who I have n't spoken to the entire time I was on this so called forbearance ) and informed I was denied for the modification because the months past due are greater than allowed I could n't due this other option that was available because I have three prior modifications and my only options are short sale, pay the past balloon payment or give the home to the mortgage company in lieu of foreclosure. I was never told by any agents of the company anything about only being able to do three modifications, if that 's the case then I should have been informed that during the process of my third modification.I feel like I was purposely given incorrect information to sabotage my loan so I give it to them. My financial situation has changed and i am working and in a better situation. I need help! Please assist me in getting a long term solution to this short term problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - I paid off my automobile loan in the XXXX of 2010. I requested a copy of my credit bureau from Experian, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.
Product: Money transfer, virtual currency, or money service

Grain closed the account because i no longer qualified for the service so im unable to pay off my balance owed or anything. I emailed them several times telling them that I cant get into the app to pay off my balance owed or provide me with the information as to where i need to send my payments. I keep getting the same generic email saying to reset my password. Ive tried that numerous times and nothing happens.
Product: Checking or savings account

I had opened a claim with Chase bank about a transaction with XXXX where I had purchased an airline ticket for {$1600.00}. Chase denied my claim because XXXX told them that I never cancelled and I was a NoShow for the flight. 

I provided documentation to Chase bank that clearly shows that I had requested cancellation on XXXX XXXX and XXXX offered to refund me {$26.00} instead of the {$1600.00}. 
I requested a refund again on XX/XX/year>. After which, I never received a response from XXXX. 

I requested to appeal the claim decision with Chase but they refuse to help. They stated there is nothing they can do because the claim is closed. They continue to tell me that I should speak to XXXX even though I have explained to them that XXXX does not have a phone number and did not respond to my email which is why I had opened a claim with Chase. 

I believe this was a unfair decision because I have evidence to prove that I requested the cancellation in a timely manner. 

I will attach a copy of the receipt that clearly shows that I paid an extra {$210.00} to be able to cancel for any reason. 

I will also attach email correspondence with XXXX. 

I will also attach the letter from Chase denial of claim.
Product: Checking or savings account

On XX/XX/XXXX Made a Payment To Capital One For ( XXXX ) On XX/XX/XXXX ) That Was Returned Never got it Returned To My Account? Then I Went Paid XXXX XXXX & XXXX XXXX TO CAPITAL ONE THEY BOTH GOT RETURNED CAUSE CAPITAL ONE DIDNT EXCEPT MY XXXX XXXX XXXX? An thats what I thought My payment Got Returned? Thats a lot of money Gone? So I went an closed my account they shut off without any reason? Deleted my XXXX XXXX no Reason Nothin so I Cant Have No report on My Accounts I had? Ive got A lot Of Screenshots Of Everything from the XXXX Payments To Capital One?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an excessive amount of inquiries that should not be on my report. And many of them are duplicate accounts in the same time frame. I did not authorize these inquires that are on my Transunion credit report and they refuse to give proof of them and will not delete them CRA 's must correct or remove inaccurate, incomplete or unverifiable information in their files. In accordance with the written instructions of the consumer to whom it relates. I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. I demand the inquiries be removed immediately.
Product: Credit card

I have tried to take the proper protocols to get this account removed from attachment with me. Im a victim of identity theft and American Express is trying to make me take responsibility of this account when I have provided proof that I didnt have anything to do with opening my this account or opening the bank account that made payments to this account. Im about liable for anything because I didnt gain anything from this account being opened. They are ignoring the fact that I provided proof of me not making payments against their claim of me paying on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Product: Mortgage

Quicken loans offered covid forbearance to us. We repaid the payments, became current, and came out of forbearance. 
Quicken loans reported the covid forbearance under the CARES Act to the FHA who then reported it as default to CAIVRS. 
We have been in contact with Quicken loans for 4 business days requesting them to remove the forbearance as we are and have been current for over 30 days. 
They refuse to send any form of documentation or letter to the FHA showing we are no longer in forbearance. 
We are today, XX/XX/2020, closing on the sell of our house and will be homeless for 2 weeks because of quicken refusing to accurately report information to the FHA for our FHA financing on our home purchase. 

I conveyed this to Quicken and they continue to refuse to assist us. 
Quicken does not understand that reporting to the FHA gives the FHA the information to report to CAIVRS and therefore refuse to correct what they've reported. 

We got to Quickens " top of the line '' department and spoke to : XXXX XXXX  Servicing Escalation Specialist Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX was not informational and had no knowledge of CAIVRS  or FHA reporting.
Product: Debt collection

A company in XXXX called Conn 's Appliance keeps calling my parents house for a debt that they say belongs to someone with my same name. I have not lived with my parents for over 15 years. They live in XXXX, XXXX & I live in XXXX, XXXX. I have never been to XXXX. They are telling me to give them my bday & last XXXX of social to go further into the information, but I am not giving that information over the phone to a company I have NEVER had contact with. I told them this & they continue to call.