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

There are several inaccuracies on my Equifax consumer report that i would like removed and addressed The name " XXXX XXXX XXXX '' is present on my Equifax consumer report this name does not belong to me and dos not represent me I would like only the name " XXXX XXXX '' present on my consumer report. 

addresses The address " XXXX XXXX XXXX XXXX, LA XXXX '' this is a non mailable address and I can never be reached at this inaccurate address. i would like this address removed from my consumer report Accounts XXXX XXXX  Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX The account " XXXX XXXX XXXX  Account Number XXXX Reported : XXXX. XXXX, XXXX '' {$430.00} This collection account is being reported as " Active /Open '' being that is account is charged off and reported as a collection is it illegal for this account to be reported as Open if it is a collection account. Per the laws found in 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, i would like this account removed immediately
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that multiple over 30 day late payments were reported on an account of which those specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I was not over 30 days late on these payments reported for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be.
Product: Debt collection

XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX ( {$920.00} ), Account name : XXXX XXXX XXXX XXXX XXXX ( {$120.00} ), Account name : XXXX XXXX XXXX XXXX ( {$4600.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$2400.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$5900.00} ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charged off DPT EDXXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late/Open XXXX EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Late/Open
Product: Consumer Loan

I had set up a post dated payment for later in the week when they called to collect on my normal monthly payment that had been late due to an issue between their system and my bank 's system. That money was pulled early, and then brought me to below the amount needed for other bills. I called to see if they could refund it, but could n't without waiting 7 days and then sending a check. They suggested I contact my bank, so I did, and they were n't able to refund the money soon enough either. Then, over a week later, they called me saying that my payment was late and they needed it. It turns out they submitted the refund of the money, and then it brought my account out of being current. They could n't tell me why they did this, and then asked for the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I was looking at my credit report and noticed unauthorized inquiries, please remove the following inquiries as I did not authorize them. 

Experian 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 Experian* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase closed my checking account without any prior notification. One day I had no access to my account and my account records. After spending hours on the phone with Chase ( six phone calls that were disconnnected in the middle, they don'y call back ) I was told that a check with the balance was mailed to me sInce Chase decided to close the account. The account is very active with my income coming through this account, my tax payments mortgae, crdit card payment etc. 
Chase is not willing to share the reason,. I was a lotal customer for over 15 years.
Product: Checking or savings account

This is a follow up of a previous claim that was denied. The issue is that money was sent for a grant which never issued. I am working with XXXX  to return the money I sent since the grant was not provided. I am requested Wells Fargo to take some responsibility in this fraudulent activity and return the {$980000.00} that their clients frauded from me.
Product: Student loan

I submitted a Employment Certification form to FEDLOAN SERVICING on XX/XX/XXXX to certify 5 addition months towards loan forgiveness. 

I have contacted them several times in regards to this. Now, that I'm closer to the 120 month requirement, they have not certified the additional five months. 

My account was in review for several months back in XXXX for this VERY SAME THING. I'm employed with the same employer, XXXX XXXX XXXX XXXX, for the entire ten years. 

It's almost time for my loans to be forgiven and I want this to be a smooth process. Can you please assist with getting the previously submitted Employment Certification form processed so my account will reflect accurate information. Because as it stands right now, the information is inaccurate. The total to date should be XXXX Certified payments and XXXX Eligible payments. XX/XX/XXXX would not be certified as a new Employment Certification form would be needed. 

Thanks
Product: Mortgage

On XX/XX/XXXX, I filed the Unified Home Loan Application with the mortgage lender Eagle Home Mortgage , LLC. a subsidiary of Lennar Homes, INC. I paid Lennar Homes  a total of {$4500.00} as an initial down payment to take the newly built home off the market in XXXX, FL, and the Lennar Homes New Home Consultant/Sales Agent, together with the Eagle Home Mortgage Specialist, pointed me to a Federal Housing Administration loan due to its low percentage cost of initial down payment. 

In my application, I was transparent with Eagle Home Mortgage about my citizenship status. I am not a U.S. citizen, nor a U.S. permanent resident. Instead, I am an asylum applicant with a XXXX XXXX work permit and social security number, as I have been awaiting a final decision on my XXXX  claim since XXXX. My work permit is renewable every 2 years and I am continuously authorized to work in the United States. 

Eagle Home Mortgage and Lennar Homes carried me through the home purchasing process with an expected closing date of XXXX XXXX. I complied with all of the requirements for documentation, income levels, and debt-to-income ratio terms of the Lender. My original Purchase Agreement stated that I could cancel the contract with a penalty of {$250.00} on my original {$4500.00} deposit within 30 days, but as 30 days and more went by, Eagle Home Mortgage did not mention any issues with my application, which indicated that I did not need to cancel my Purchase Agreement. 

On XX/XX/XXXX, after having granted me a conditional loan approval earlier on XX/XX/XXXX, a home inspection, and submission of numerous documents that were requested, Eagle Home Mortage informed me that they had " come across information '' indicating that I would not be eligible for an FHA loan, and denied my application. 

As of XX/XX/XXXX, following multiple requests for information and attempts to make contact with both the lender Eagle Home Mortgage and its parent company Lennar Homes, I have not received a detailed letter explaining why my loan was denied, what information they came across of, and why their decision contradicts the exact specifications of the Housing and Urban Development Single Family Housing Policy handbook and Federal Housing Administration guidelines for issuing FHA-backed loans to non-U.S. citizens, and they have also not returned my earnest money held in an escrow account despite the cancellation of my loan application and the sale of the home to another buying party only two days after I was notified of my mortgage loan application being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation of my consumer protection act po report sent to XXXX, exp, XXXX inaccurate information must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX  and XXXX  several times via mail and via phone. I sent letters on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have supplied documentation as well as sent letter regarding the inaccurate information being displayed on my report. They still continue to use this information that they can not validate that it belongs to me because it does not.
Product: Money transfer, virtual currency, or money service

XXXX XXXX Someone used my online nordstrom and macys accounts and made several purchases. Luckily I was able to get all the credits back from chase after I report for credit card fraudulent except XXXX transaction that was made from XXXX accout it was already picked up from the store. Transaction date is XXXX {$1800.00}. I was even traveling during that time i came back to the states on XXXX. 
Paypal denied for unauthorized transaction on that one. Also doesnt want to provide me any type of evidence or documentations.chase asked me for more documents and evidence when I cant get from anywhere. I even went to police station and reported for credit card fraudulent as identity theft the report number is # XXXX It doesnt seem either of paypal and chase wants to be responsible for this case and they want me to prove that it was not authorized by me. I even provided my boarding pass and stamps from passport that I was not in in the country during that event.
Product: Credit reporting or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized removed
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights XXXX XXXX 15 USC XXXX section 6 XXXX  XXXX states I have the right to privacy. 15 USC XXXXXXXX section 6 XXXX  XXXX A section XXXX It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCXXXX XXXXXXXXB a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

When my account was first taken over by some random man in Washington State using my ID they just let it happen. So when all of my online account info was changed, obviously it was a little hard to manage since I cant go into branch without id or debit. But I cant seem to keep a debit card because they keep sending it to the id their!!! Ive called so many times and now Ive completely lost track of the only account I own to pay my kids rent. Ive requested a new account but they will not budge or even try to accommodate the fact that I have XXXX kids, full time XXXX XXXX and now apparently ANOTHER full time job trying to RE-make money from my own accounts. Thanks for being so safe, Chase.  Hopefully this finds you alright considering its not from the email address you have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did join XXXX XXXX from XXXX to see free credit report and spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for Capital One credit card. So 2 Capital One Inquiries on XX/XX/XXXX and XXXX, 2020 are not resulting from my personal action and 1 approved Capital One card beginning with XXXX is not mine also.
Product: Mortgage

I am current on my mortgage but the payment for XX/XX/XXXX I dont have the current amount. Im trying to get approved for a forbearance but they keep offering a loan modification, but cant qualify for that since my credit score is low. Ive asked them several times to assist me with a forbearance but not helpful at all. I dont want to default on my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I Called Wells Fargo bank to check if I can get my credit Card limit to be increase, and I asked them if is going to be a hard inquiry or soft pull on my credit report, I was told is going to be a soft inquiry only and will not be a hard inquiry without my consent, then I told him in that case I want to go ahead to see if I can get my credit card limit increase, Also I made it very clear if is going to be a hard inquiry on my credit report I will not be interested to apply, the person on the phone told me no worry will not be any hard inquiry without my consent. anyway I apply and I was approved for credit line increase but next day I received a notification from the XXXX Credit Bureau that was a hard inquiry by Wells Fargo Bank, I contact Wells Fargo about this issue and I filed a case with them and I was told is going to take up to 10 days for investigation. Few days later I received a letter from wells Fargo to confirm that was an error from Wells Fargo and they will contact XXXX credit bureau to request the hard inquiry to be remove from my credit, until today nothing is been remove, I contact XXXX myself and they inform me they have not received anything letter or fax from Wells Fargo regarding my issue, I contact Wells Fargo several times for help but every time I contact them they said we have requested the hard inquiry to be remove and they open new case for me, again until now the hard inquiry still on my credit file. 
Here all the case number I have filed with Wells Fargo regarding this issue the first case was Filed On XX/XX/XXXX, Case # XXXX, the second Case was filed on XX/XX/XXXX, Case # XXXX, the third case was filed today XX/XX/XXXX, Case # XXXX, The phone number for Wells Fargo XXXX, as you can see every time I call wells Fargo they keep opening new case for me but without any solution to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a TransUnion repeatedly about unauthorized fraud applications being file on my report they are refusing to help me by disputing. I placed a fraud lock on my profile and XXXX  XXXX XXXX and another credit on SaturdayXX/XX/XXXXplace a hard inquiry on my report. I am requesting this to be removed as I did not apply to these companies. TransUnion is refusing to assist
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information and fraudulent status never late and is a XXXX  balance My account XXXX is current and never late and there are duplicates my XXXX XXXX XXXX XXXX  is paid with XXXX balance why does Experian keep posting old information and inaccurate information. 
My.lowes account is a settlement XXXX balance. Experian is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.
Product: Money transfer, virtual currency, or money service

USAAs XXXX service does not have adequate fraud protection. I attempted to purchase an item on XX/XX/XXXX for {$150.00} utilizing USAAs XXXX service. Once it was realized that the item was not delivered, I called USAA within the hour to cancel the transaction and was told that it couldnt be cancelled. I then filed a dispute on the transaction which was subsequently denied. 

Since the XXXX service is offered through USAA, there is a level of trust that USAA and all of its services have adequate processes and protections for its customers. This particular USAA service requires you to provide information on the other person to verify authentic accounts, adding another layer of trust that personnel receiving the money through their establishment is authentic, and USAA has the proper protections in place when users are added. 

USAA offers a service that fails to protect its customers. USAA has a subpar approach to this service ; grossly undermining the customer protections while falling quite short of communicating the risks appropriately.

My request has 3 parts, 1 ) Remove this service, 2 ) if not removed, offer the protections that are required and expected of USAAs typical platinum service, 3 ) refund the {$150.00} due to the lack of protections that should be incorporated when services include the USAA brand name. This USAA service, and accompanying processes, fails to achieve the basic standards of customer service that is typically inherent with USAA values. If the response to this complaint falls along the lines of, weve done all we can do and is authorized by contracts and law, USAA will have completely lost my trust in its intent to maintain the pristine service culture that Ive grown to love in my last 15 years as a customer.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( cfpa ). Specially, cash app fail to take timely and efficient measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as the did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My approved loan modification agreement did not reflect the adjusted payments outlined in a letter I received from Ocwen stating that my payments would decrease after my trial modification payments were received. I began making the agreed trial modification payments on XXXX XXXX, XXXX. After successfully making all three trial payments, my payments were to decrease approx. {$250.00} effective XXXX/XXXX/XXXX. I contacted Ocwen to inform them that the loan modification documents that I received, and I have yet to sign, instead reflected an increased payment amount of approx. {$250.00}. I was instructed from Ocwen 's servicing department to contact Ocwen 's research team via written correspondence explaining my concern. I faxed my written concern to their research team on XXXX XXXX, XXXX, along with the supporting statements from Ocwen that clearly outlines the lower payment amount. To date, Ocwen has not responded to my concerns. Instead, after successfully making all XXXX trial payments, Ocwen has denied my loan modification as of XXXX XXXX, XXXX. 
I have contacted Ocwen on a number of occasions just to be tossed to and fro from various persons posing as servicing managers. I will contact legal representation to assist me in my pursuit of retaining my approved loan modification and at the lower payment outlined in Ocwen 's attached letter dated XXXX XXXX, XXXX. Ocwen 's continues to present itself as a fraudulent practice!