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

I contacted the credit bureaus and the student loan servicer, and they responded, stating that the information reported was correct within XXXX hours. I was not notified where they checked or if they have copies of the original documents that were signed because the information that is being reported is not correct. I request the removal of the information until it is reported correctly because it has hurt my credit rating. After all, the closed account appeared open the same month it was paid in full. I graduated in XX/XX/XXXX and would not have had a loan after graduation. 
Incorrectly reported balance {$4500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$7500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$5500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$6000.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, XXXX opened- XX/XX/XXXX Incorrectly reported current and starting balance {$2200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened XXXX XX/XX/XXXX Incorrectly reported balance current and starting balance {$9500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3400.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$17000.00} XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX The open date for this loan is incorrect. XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct. 
The open date for this loan is incorrect. XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct.
Product: Checking or savings account

I opened a checking account XX/XX/2020 with a large sum of money at a SunTrust bank in XXXX XXXX, Fl.for the closing on some property. On XX/XX/2020 received letter from SunTrust bank saying funds would be available XX/XX/2020. Two days later I went online to see if funds were in account and access was restricted, called the number that was listed to call and account was closed. No explanation was ever given as to why as of this date after calling and getting no where. Still haven't gotten my money back and they give me a different excuse each phone call. That is my money not theirs to sit on and make money. I am not the first to file complaints about this bank because they have done to numerous other people. You have to make people aware of this bank. I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I ask that the items be deleted to correct my credit report as these inquiries were unauthorized. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX  XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Credit Bureau Name : EXPERIAN Bureau Address : XXXX XXXX XXXX, XXXX, TX XXXX I Need These list of Incorrect/Misspelled Addresses , DOBs, & Names Removed & Deleted off my Report Because they Are Inaccurate! 

INCORRECT ADDRESSES : XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX. ) XXXX XXXX XXXX # XXXX, XXXX, NC, XXXX INCORRECT DOBs : XXXX. ) ( XXXX ) INCORRECT NAMES : XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX Thank you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office.

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that TransUnion, XXXX, and XXXX delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.
Product: Consumer Loan

I received a collection notice from a company called " Enhanced Recovery Company LLC '' stating that I have an unpaid balance with XXXX XXXX XXXX in the amount of {$98.00}. I called XXXX XXXX XXXX customer Service and they have no record of any out-standing debt in my name. I have n't had any XXXX XXXX XXXX service for the past seven years.
Product: Mortgage

Back on XXXX/XXXX/XXXX I filed for XXXX XXXX bankruptcy. My case was confirmed on XXXX/XXXX/XXXX and I have been in active bankruptcy ever since. 

Unfortunately as of XXXX/XXXX/XXXX my mortgage loan servicers changed from XXXX XXXX to some random company named XXXX XXXX. 

All throughout the bankruptcy XXXX XXXX has been able to send me monthly statements showing amount owed, mortgage payment, history, etcI was always able to go to the XXXX XXXX website and log in to my account to also see my account information on line where I could confirm amounts and confirm that my payments had been received. 

Starting on XXXX/XXXX/XXXX I contacted XXXX XXXX several times via email and over the phone with no response. On XXXX/XXXX/XXXX I finally got an email from a representative from XXXX XXXX ( XXXX XXXX ). She told me that will not be permitted to register on the site to see my account information or set up auto payments or make a payment online due to the bankruptcy status. 
Sending you a statement is a form of collection and you are in active bankruptcy, therefore we are not permitted to send them to you. 
All these rules must be followed per the bankruptcy protection you are under and can not be broken. 

When I told her I was able to see my account on line and receive mailed statements from XXXX XXXX her response was.. 

Different servicer, we are not there yet. In the future we will have statements specific to bankruptcies, but at this time we do not. 

So now it was not about bankruptcy rules. Instead now it was because there company is not set up to mail basic statements to a consumer.because they were in active bankruptcy.? 

I also told them that when I was with XXXX XXXX they had included PMI into my payment. And because the value of the home was far more than what was owed I wanted the PMI removed. She claimed.. 

I do not see where your loan has MI any longer Well how would I know since I can not see any documentation of what they have, my account, the numbers, etc it is also my understanding that when your mortgage loan changes from one servicer to another that nothing changes other than the company who receives your mortgage payment. 

So based on all that has happened and been said thus far none of this sounds correct. 
Part of the bankruptcy agreement is that I make monthly payments ( of which can change based on taxes & insurance ) If I dont receive a monthly statement .and cant access my account on line..then how in the heck and I supposed to make the proper payment according to my bankruptcy? 

XXXX XXXX was the 2nd loan servicers we have had on our mortgage since it was obtained back on XXXX/XXXX/XXXX. 
Sadly XXXX XXXX is the 3rd servicers on our mortgage loan. 

Because none of this makes sense and unfortunately I keep getting routed to lower level employees that are inconsistent with their responses I need hep from an outside 3rd party entity to get this XXXX  company to act accordingly.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I made a payment regularly to XXXX  XXXX for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to XXXX XXXX who is saying they have no record of the call! 

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.
Product: Mortgage

In reviewing my Credit report and score with XXXX i notices 35 unreported payment from XXXX to XXXX. If 35 % of my score is from reporting this has played a large part in my socres.
Product: Mortgage

In XXXX XXXX I changed insurance companies lowering my homeowners insurance from {$1000.00} per month to {$690.00} per month. I called Carrington and made them aware of the change and so did my XXXX XXXX XXXX. In XXXX XXXX I noticed there was no change in my monthly payment. I concluded that they may need time to make the updates. In XXXX my monthly payment remained same. I called Carringtion and was told that they needed to do an escrow analysis and the adjustment would then be made. 
When I received the analysis my montly payment was increased from {$760.00} to {$780.00} beginning XXXX XXXX. I called and asked how could that be and the representive told me there was a short. When I asked to speak to a supervisor she put me on hold and no one ever came to the telephone. Also I never received a refund for the funds that were in escrow when I switched insurance companies so there should be an excess not a shortage.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Against Cash App Unresolved Unauthorized Transactions & Mishandling of Dispute Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Cash App ( Square , Inc. ) for their mishandling of my dispute regarding unauthorized transactions on my account. Despite my repeated attempts to resolve this matter, Cash App has been uncooperative, inconsistent, and has failed to properly investigate my claims.

Details of the Unauthorized Transactions : On XX/XX/year>, I submitted a dispute with Cash App regarding the following unauthorized transactions on my account : XXXX : {$1500.00} XXXX : {$87.00} XXXX  : {$140.00} XXXX : {$1100.00} XXXX : {$1000.00} XXXX : {$920.00} XXXX : {$4100.00} Total : {$9900.00} Issues with Cash Apps Handling of My Dispute : 1. Failure to Properly Investigate My Dispute I filed my dispute on XX/XX/year>, but Cash App later falsely claimed it was filed on XX/XX/year>, in an apparent attempt to delay resolution. 
Cash App has provided no meaningful updates and continues to send generic responses stating my claim is under review. 
XXXX. Inconsistent Communication & Case Closure Without Resolution On XX/XX/year>, Cash App wrongfully closed my dispute case ( # XXXX ), falsely stating that I had not responded for three days. This is incorrect, as I last emailed them on XX/XX/year>. 
XXXX. Lack of Continuity in Customer Support Every time I contact Cash App, I am assigned a different representative who does not seem to have prior knowledge of my case. 
I have been forced to re-explain my dispute multiple times, yet I receive generic copy-paste responses with no real assistance. 
This revolving-door approach to customer service prevents accountability and delays resolution. 
XXXX. Unjustified Account Restrictions Cash App canceled my Cash Card without explanation, and I have been unable to reorder one due to ongoing errors. 
Unauthorized transactions continue to affect my balance, yet Cash App has failed to protect my account from further fraudulent activity.

Resolution Requested : I request that Cash App : Immediately refund the unauthorized transactions totaling {$9900.00}.

Reopen my case and conduct a proper investigation.

Provide a single, assigned representative to handle my dispute.

Restore my ability to order and use a Cash Card.

Cash App has failed to provide a fair and transparent resolution process, and I urge the CFPB to take action to ensure they are held accountable.

Please let me know if any additional documentation is needed to support my complaint.
Product: Mortgage

Ladies/Gentlemen : We contacted XXXX from Wells Fargo Customer Service on XX/XX/XXXX, regarding the Wells Fargo Settlement . 

As a result, we are sending this letter to file a claim for our mortgage. 
Starting in XXXX, we consistently tried to obtain a loan modification on our house. We were asked to provide information at one office. We provided this information, then a few days or weeks later, we were asked to provide information to another Wells Fargo office. 
We spent hours on the phone trying to get the loan modified. 
On multiple occasions, we were told that we were very close to completing our loan modification, only to find out later that they couldnt find our paperwork or we had to provide more information. 

Almost a year into the process we tried to get our loan modified by using the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This situation continue to occur until our home was foreclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Yesterday, I received a response from Transunion about these unauthorized inquiries. They stated that the inquiries will fall off in two years, but in my complaint I asked that these inquiries be properly investigated and I also wanted to receive a copy of proof of how these inquiries were verified. I never received proof of verification of these inquiries therefore they should be removed from my credit report. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : 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

In accordance with the fair credit # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan asa late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 4 different times : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX as XXXX ; plus one of them as XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX accessed my credit file with Transunion, without my permission. This fraudulent activity was reported, as well as fraudulent activity with my Credit Card. My card got cancelled 5 times, but the inquiries are still on my report, after several times disputing them with transunion and the bank. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent to them regarding this fraudulent activity. XXXX was deleting them, without the need to go to small claims court. As up to date, Transunion shows the 4 inquiries still, meanwhile the other 2 CRA deleted them already. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. Transunion Is neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I've talked to XXXX about there practices. I did not authorize them to close a account and then add a new account. I didn't want the service from the beginning, I was unaware on how XXXX did there business pertaining equipment. So I paid my bill on time even though they made my utilization high on my credit bureau profiles. Now XXXX has added the same account on my profile like its a new account, taking away from my overall credit history. The credit bureaus was no help with my complaints.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agency to update my address and was unsessful
Product: Student loan

On XX/XX/XXXX I had XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX I made a payment to Navient in the amount of XXXX. I was on maternity leave with no pay after I gave birth so I used the remaining amount in my bank account to pay Navient. I called Navient that next week stating if I could lower my payments because I am not receiving any income do to XXXX XXXX. They stated that my co-signer should be the one assisting payments for me. I explained to the Navient representative that I do not live with my co-signer and I do not have any contact with them. They stated that there was nothing that they could do to lower my payments due to income but they can put my account in forbearance which the interest will still accrue on. I was not given any other options but to choose forbearance so XX/XX/XXXX, I paid the fee of XXXX to start the forbearance process which was 90 days. This past week of XX/XX/XXXX because of the delinquency email I have received that week. I called Navient again and stated that I could not pay the full amount that they were asking for and I requested to have my payments lowered. They said that I had 3 co signers on my account and asked that none of these people could not help me. I stated that there is only 1 co-signer on my Navient loan and no I could not. I have an infant child and little to no income. they asked my to verify how much money I am spending on what, once I verified this information. The representative stated that I would only have to pay XXXX monthly for 6 months, they I would need to reapply. I said that was okay and consented. the representative stated that this was not a forbearance so when I agree on the prompt it will say that but just agree. I agreed and the payment of XXXX was scheduled on XX/XX/XXXX. I had not received any notification that the payment was processed so I called Navient and state my concern they said the day off it may not show it takes 24 hours for the forbearance to show. I told her that the representative I set this up with stating that this is not a forbearance, the new representative stated that it is a forbearance program
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my my credit report. JPMCB card services inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
Chase credit card.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called both Capital One Venture with a XXXX balance and they said they reported the credit correctly and XXXX should have updated it. 

On XX/XX/XXXX I called XXXX and spoke to XXXX XXXX and he said it was still showing XXXX. He would reach out to them. 

I am working on a loan and can't get anyone to provide correct information. 
I am going to get an attorney now involved with both of these companies and will close this credit card, making it the final one closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts XXXXXXXX XXXX XXXXXXXX {$1500.00}, XXXX XXXX {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.