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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Loanme Inc, originated a loan in XXXX with me when they were not licensed under California XXXX XXXX to lend in the state of California. They made false representation on the promissory note that were license to lend when in fact they were under a Desist and Refrain Order by the Commissioner of Business Oversight of the State of California. ( See enclosed Order. ) They were not properly licensed until XXXX. This company has had a history of predatory and deceitful practices including changing the company name several times, using non licensed agents for lending, and originating mortgages with a false NMLS number. The loan itself charged a criminal 116 % compound interest. I paid over {$17000.00} on a {$5400.00} loan and still owed over {$5400.00} according to their calculations. 
In addition to this, the company reports a false payment history. The only lates that should be reporting are the XXXX lates that caused the account to go in default. However, Loanme inserted false lates in XXXX ( see enclosed old & current reports comparison ) AND under agreement with a Loanme supervisor, the lates of XXXX were to be removed. I've attempted to resolve with Loanme and XXXX  to no avail for the last 2 years. 
I want the account removed from my credit report since they were not licensed to lend and practice predatory lending.
Product: Credit reporting or other personal consumer reports

To whom these concerns, my name is Dayanara Ocasio, and this personal statement is being composed by me. The accounts mentioned in this
report should not be reflected on my consumer report as they violate the Federal Credit Reporting Act (FCRA). According to 15 U.S. Code 1681-BPermissible 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) By the written instruction of the consumer to whom it relates. I never gave consumer reporting agencies my written/verbal consent or instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No Consent Is Identity Theft. As a federally protected consumer, I am Demanding the deletion of these listed accounts. 

Additional
unauthorized hard inquiries: 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am divorced fir over a year and my ex put my banking account on her mortgage account for payment. I am having trouble getting the money back.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my CashApp account was compromised and the scammer withdrew {$300.00} from my XXXX XXXX XXXXXXXX checking account which was linked to my CashApp. The scammer used this money to buy XXXX, attempted to send it to an unknown person ( which failed twice ) then sent it to someone else ( also unknown to me ). They then tried to withdraw additional amounts which were all blocked ( {$700.00} attempted three times, then {$350.00} attempted once ). 

On XX/XX/XXXX I noticed the fraudulent activity when paying off my credit cards and called my bank to report my identity had been stolen and explain what happened. XXXX  XXXX XXXX issued a temporary credit for the missing {$300.00} on XX/XX/2022. 

Today on XX/XX/2022, I received a followup letter from XXXX  XXXX XXXX stating that the fraud claim had been denied and the {$300.00} credit would be removed on XX/XX/2022. The reason provided by XXXX XXXX XXXX is quoted as " Cash App provided documentation showing the transaction is valid, and weve included it for your records. '' I plan to pursue CashApp to recover the stolen money but wanted to file the complaint first to inform them that this step has been done.
Product: Credit reporting

THIS COMPANY XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX SENT EXPERIAN AND XXXX PUT A COLLECTION ON MY ACCOUNT WITHOUT ANY NOTICATION. THIS IS A FRAUD ACCOUNT, NO PAPERWORK WITH SIGNATURES, COPY OF SOCIAL SECURITY AND CONTRACT TO PUT THIS KIND OF INFORMATION ON MY CREDIT REPORT.THIS IS A FRAUD ACCOUNT AND A COLLECTION COMPANY WHO IS NOT PLAYING BY FEDERAL LAWS DEALING WITH FAIR CREDIT REPORTING AGENCY. LAWS ARE HERE TO PROTECT ALL OF US NOT JUST A FEW WHO CAN BEND AND BREAK LAW WHEN IT FIT COMPANY. THEY SHOULD BE FINED AND LOOK INTO. THIS IS NOT RIGHT
Product: Mortgage

In the last 60 days, I attempted to acquire a XXXX home loan from USAA. 
During the initial process I was asked to lock in a rate. What was not mentioned was that there is a penalty if not closed by the time the lock expires. This was not mentioned until after the rate was locked in and closing was approaching. I was offered the opportunity to buy my way into a better rate. A common practice these days that would be called bribery in any other dealings. The problem here was that the amount of bribe money ( points ) was not comparable to the amount of savings over the course of the loan. 
All documents requested were provided promptly and within the closing window. What would have been helpful is if the list of necessary documents and explanations were available up front. Once their list of demands from the underwriters was satisfied a new list of demands would come up. This happened several times and led to not making the closing date. One particular item of contention was the underwriter 's inability to comprehend investment withdrawal documents that spelled out money transfers and deposits. You would think this sort of thing would be easy for people that are required to track money all day every day. There are many things that USAA does well, mortgage underwriting is not one of them. 
No matter how all the process went there was always someone with their hand out wanting more money to make this loan happen. From paying for a better rate to paying for rate lock in that was exceeded because of them to paying to get a rate after being convinced to withdraw one application and start another in order to save money, just to have them try to take it back out of my pocket. There was an offer for zero origination fees that came up and would save me over {$1000.00}. What came up after the fact was the detail that it would cost me nearly that much or another 30 days waiting to get an interest rate. 
Every part of this process and any time I have dealt with home buying at all there is no end to the crooked money grubbing garbage that is passed off as legal process. 
Something needs to be done about the unending chain of paperwork and underhanded misdealing that these banks and financial institutions are using to get one over on XXXX and XXXX XXXX. 
The bottom line of this whole thing is that I would have paid this loan completely and timely. These buffoons simply screwed themselves out of all that interest money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXXXX/XX/2022
Product: Mortgage

On XX/XX/24, I submitted a request to my Mortgage lending institution LoanCare / XXXX XXXX XXXX, requesting that my escrow account be remove off of the VA loan mortgage. Because of the following reason. Since this loan servicer has handle our mortgage account there has been numerous mistakes made when applying payments from our escrow. 1 ) Informing the servicer a change in the insurance company and payments for a year has been paid in full to the new insurance company and do not pay the old insurance nor pay the new insurance company. 2 ) Request in writing a copy of the Law and/or the Servicer policy and/or procedure that state the reason why my request for removal of escrow account from the VA mortgage contract is denied ; when my husband is exempt for taxes and we have paid our insurance in advance for the whole year to get better rate discount if paid early. ( They will not send me this information. Only a letter on their stationary stating that they denied my request and their reason, but not the Law and/or the policy and/or procedure to reflect the denial in writing ). Nor will they honor my request for removal. Please see attached letter to Servicers.
Product: Debt collection

Back on XX/XX/year> at XXXX, we received a phone call from Collections USA Inc XXXX The gentleman on the other end of the line stated we owed XXXX XXXX XXXX  some money for rent and move-out. We stated that was false, told them it was paid and we owed them nothing because the move out was medically needed and per FHA and ADA when that happens the landlord is not legally allowed to charge you a fee for breaking the lease or early move out. The gentleman said he would send us the information and we could send documents and the reasons for saying the debt is not owed. We never received any said paperwork in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to  place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries for XXXX  XXXX on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.
Product: Mortgage

XXXX Original complaint This process is still going on with no resolution in site. Freedom Mortgage is now asking us to pay a rate extension which according to company response they were totally responsible for issues and will extend the rate. No one at Freedom can give us an answer all we get is the run around. Everyone you speak to gives a different story but no one can get this refinance closed We owe them no documents so if they respond they are missing items it is bogus. 

There initial response waiting on income verification was bogus as this process is still on going and now they want us to pay a rate extension. This was always about changing the rate on us.
Product: Mortgage

I paid my mortgage on time and the full amount due. The amount I paid ( not including the online payment fee ) was {$520.00} on XXXX/XXXX/XXXX ( it cleared on bank on XXXX/XXXX/XXXX ). When I received my next month 's statement on XXXX, I noticed that there was a " payment advance '' charge for {$11.00}. When I called that same day to ask about this charge they told me that it was because I did n't make my full payment. So while still on the phone, I looked at my bank transactions and compared it to what Bank of America said I paid on my statement. The amount that cleared my bank was {$520.00} ( see attached bank statement ) but the amount stated on my mortgage statement was {$510.00}. An exact difference of {$11.00}. I 'm sorry, but this is shady business practices. They tried telling me that they 'd have to " investigate '' it and call me back. Only when I told them no and if they did n't correct it while I 'm on the phone that I 'd be contacting to FTC to turn them in for shady banking practices did they correct it. I do n't believe this is an " honest '' mistake. You ca n't tell me that a bank as big as Bank of America does n't know how much their customers pay. If they do n't then they have a much serious problem. I believe that they are systematically doing this to other customers hoping they wo n't notice a small amount such as {$11.00}. But {$11.00} over millions of customers equals a huge profit for Bank of America.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

Government benefits were taken and deposited into a bank account using my hiding government benefits and/or spouse benefits. Also using my Social Security number last digits to take advantage of my trust under a unknown minor. Deceptive trade practices, fraud alert, and Capital Offense making a financial gain on unauthorized asset management. The system is flawed an oversight. I have the right to seek damages from BBVA Compass CA
Product: Checking or savings account

Fraud was committed on my checking account. All my funds were wiped. Ive tried reporting this to the bank and disputing all fraudulent transactions and no help has been given to me.
Product: Money transfer, virtual currency, or money service

My money has been taken out of my account and has not been given back to me multiple times, this is so frustrating and annoying I just want my money back from cashapp.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file will be appreciated. As of the moment I feel that the account on my file needs to be repaired. For that reason, I request that all of the attached inaccurate information listed in the account on my credit file be removed immediately : XXXXXXXX XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$0.00} The information for this account on my report is incorrect. Although the account is closed with a XXXX balance, it is being reported as past due. Please correct this immediately. Either provide evidence that the information is accurate or remove the erroneous entry.
Product: Mortgage

I have a shortage in my escrow which is calculated at {$220.00} per month. Without explanation, Mr. CooperXXXX is charging me {$470.00} a month extra. This is more than 15 % higher than my mortgage. When I attempt to speak with people I am put on hold indefinitely and can not get anywhere.
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.

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 a 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove/block fraudulent accounts from my credit report after being properly disputed and shown a proper identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : XXXX  - Opened XX/XX/XXXX - {$41.00} XXXX - Opened XX/XX/XXXX - {$130.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Account # XXXX - {$3300.00} XXXX XXXX ( XXXX XXXX ) - Opened XX/XX/XXXX - {$65.00} XXXX XXXX ( XXXX ) - Opened XX/XX/XXXX- {$540.00}
Product: Money transfer, virtual currency, or money service

I transferred XXXX $ to my crypto account on XX/XX/2021 and another XXXX $ on XX/XX/2021. I did several cryptocurrencies buy/sell transactions in subsequent months. On XX/XX/2021, I had total XXXX XXXX XXXX coins in my account. When I looked at the home screen on Crypto.com it was showing current value XXXX $ and checked XXXX XXXX current market price XXXX XXXX 

Then I tried to sell some coins so went into trade -> selected XXXX XXXX and selected XXXX ( coins ) for sale and went on confirm screen and it was showing sale price XXXX $ and total value XXXX . 

I was trying to do this transaction at XXXX AM EST XX/XX/2021. 

For next 2 weeks, I tried same thing for about 7-8 times and noticed that when I try to see coins it is showing higher price when I initiate the sale and it suddenly changes at the final confirmation page. It is almost 20 % less it is bug amount. This seems like a software trick to make money and scam people. 

I raised this issue multiple times with Crypto.com but have not received satisfactory response. They have not been able to explain the reason when customer lose 20 % of its asset value when he does sell transaction. 

I request bureau to investigate Crypto.com business practices and help me get my money back. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD MY IDENTITY STOLEN AND SOMEONE CREATED FRAUDELUNET ACCOUNTS UNDER MY NAME SO IM TRYING TO BUY A HOUSE AND I NOTOICED THAT I HAVE BAD THINGS ON MY CREDIT NOW I CANT GET A CAR LOAN OR BUY A HOUSE AND I HAVE A XXXX YEAR OLD THAT DEPENDS ON ME I HAVE COLLECTIONS THAT I NEVER HEARD OF PAYMENTS THAT WERENT DUE ON TIME THAT WASNT ME THIS PERSON RUINED MY LIFE AND I HAVE A POLICE REPORT FOR THE IDENITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from SUNTRUST on my XXXX, XXXX  and XXXX credit report that i did not AUTHORIZED. 

I spoke with the SUNTRUST Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by SUNTRUST i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by SUNTRUST. 

They did not remove those unauthorized hard inquires from XXXX, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, XXXX and XXXX on XX/XX/2018 and was told SUNTRUST never contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time doing this complain I feel that the credit bureaus our taking advantage of me and not taking me serious when I ask them to properly investigate my accounts, these accounts are NOT accurate!!! 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 a account without my written instructions so this is IDENTITY THEFT! 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX