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

XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following inquiries are related to none of the aforementioned permissible purposes.

20inquiries These lenders have accessed your credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have tried Numerous of times to dispute XXXX XXXX XXXX  accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX XXXX state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being homeless. I have then healed and gotten well and Im just trying to better my situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made fraudulently without my knowledge or authorization. 
Accounts to Be Blocked and Deleted : XXXX. XXXXXXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$8.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$87.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

They hit my credit score XXXX  dropped it by XXXX
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) due to their inadequate customer service and unfair business practices, which I believe breach the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take prompt and effective actions to prevent or resolve fraud on their platform, leaving my account exposed and unprotected.

Furthermore, their process for resolving disputes was misleading and unjust, failing to comply with the error resolution requirements set forth by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have experienced significant inconvenience and financial harm, and I am requesting proper compensation for these violations.
Product: Debt collection

Stating that the address and phone number listed on the application verified to me, and the card was activated from a phone number that verifies to me DOESN'T SOUND SERIOUS!!!!!!!! In addition, identity verification was completed from the verified phone number during the application stage. 
Please I need the Proof that the person you tried to contact is ME!!!!!!!!!

First the account was opened without signature, second it was somehow verified without even understanding who is this person I need real proof otherwise you can sue me, it's even better for me as I can proof that I NEVER opened any accounts!!!!!!!!!!

I gave the proof ( I-94 form ) that I wasn't in a country at the time the account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Identity theft affidavit along with consumer statement, copy of drivers license, copy of social security, and copy of recent utility bill on XX/XX/. Contacted customer service today on XX/XX/. Today is the fourth business day and information is still reporting inaccurately to my personal credit report.
Product: Debt collection

Grant & Weber is trying to collect money that was not me I called and explained to them that the accounts wasn't me, and they still have them in my credit report. 

they alleged that was a medical related. However, I never admitted or hospitalized with any other hospital, excepts XXXX for delivery my baby in XX/XX/2016.
Product: Credit reporting

Somethings were disputed. And I have n't got a response. Then also they 're a of inquiries that are n't mine.
Product: Mortgage

Wells Fargo has my mortgage and my husband refinanced our new home in XX/XX/XXXX with them for an adjustable mortgage My husband died in XX/XX/XXXX and I have consistently paid over the payment required.

They recently adjusted my mortgage my 3.125 to 3.625 and I have a payment of XXXX and made payment of XXXX. 
the original loan was XXXX and new balance is XXXX. 
There have been things about this mortgage which I have questioned but talking to them gets me nowhere, Now this payment they gave me XXXX on principal and rest on interest. I got credited amount over XXXX to principal. 
Never Never Have i ever had only XXXX of the regular part of payment applied toward principal. 
I really believe because I have been paying so much consistently over mortgage amount that things just are not right. My husband got talked into this loan and I remember them saying by paying XXXX over amount due we would knock years off loan. 
. There is something way wrong with this entire mortgage and I do not know what to do?? I can remember in the beginning I had made a payment early and got no money credited to principal and only interest and they told me no one told me to make the payment early. I got no where with them and now I wish someone would review my payments and the practices of Wells Fargo mortgage, I really believe Wells Fargo has some questionable practices and I realized my husband consented to this mortgage but something is wrong and I need help. 
I do remember they wanted to increase the amount and I told my husband no way because mortgage total due would be more and we did not do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

After XXXX XXXX XXXX transferred my loan to NationStar Mortgage, which by the way I had no say, nor I agreed to have my loan transferred, NationStar Mortgage is charging me a {$10.00} processing fee for making my payment on line after the XXXX of XXXX, which was a Sunday, so I made the payment on the XXXX of XXXX, I called Nationstar Mortage to ask about the " processing '' fee, and for what, since no one else charges a processing fee when a payment is made on line, I was told that is because they have to process that payment through a third party, to what I replied, that if they are not well equipped and do n't have the systems to process payments, then they should not be in the " mortgage '' business, because not only that fee was NOT properly disclosed on my statement, nor it was disclosed anywhere on the initial letter I received once they took over my mortgage, I requested a fee schedule showing and disclosing the fee and the description, and I was told that they do n't give that to anyone, as they do n't have access to that information, because that is their third party processor. If Nationstar Mortgage is NOT a bank, what are they?. If Nationstar does have the systems to properly withdraw money from my bank for my mortgage, then they should not be in the mortgage business. XX/XX/XXXX was the first month I had to make a payment, and that was another phone call, because the information I was supposed to get, I did not received, because they were late in sending me the statement, so I have to pay for their mediocrity and inefficient way of running their business. I want a schedule fee and I want full disclosure of why I am responsible for them using a third party service.
Product: Mortgage

I have made multiple attempts with the lender to secure a loan modification over the last several years. On 2 separate occasions I submitted alleged applications for loan modifications with no ability to submit documentation and with no review of any documentation. On or about XX/XX/XXXX I received a letter indicating that my modification had been approved. However, the lender refused to honor that approval. I filed a dispute with the CFPB and there were multiple responses back and forth in which they continually denied having granted the modification despite the fact that it was provided in writing. The pandemic began in XX/XX/XXXX and I applied for a forbearance in XX/XX/XXXX which put the dispute process on hold. I spent the majority of the following year on state mandated lockdowns and suffered a significant loss of income. On or about XX/XX/XXXX I contacted the servicing center to request a new modification because I was advised that my forbearance period had expired. I was advised that an application would be mailed to me. I did not receive the application. I followed up with a phone call on or about the last week of XXXX to request that the document be mailed out again at which time I was advised again that no submission of documentation was allowed ; and a review of my modification was again conducted without review of documentation. This is the second time that this had occurred. I received an email several days later on Saturday XX/XX/XXXX indicating that a nee loan workout document had been uploaded in my online account. The document was not available in my account so I contacted them on Monday XX/XX/XXXX at which time I was advised that my request had been denied. This is the second time that I have been denied the opportunity for a loan modification as a result of a refusal to review documentation. Prior to the last 2 requests for modification a previous modification that had been granted was denied due to their error regarding a payment that was improperly processed. I have been denied modifications based on their errors and negligence and my loan is now excessive because I have been involved in ongoing disputes due to their negligence and the pandemic. Additionally, I was significantly impacted financially by the pandemic. I spent most of XXXX and the beginning of XXXX on lockdown as a result of state and locally mandated lockdowns. I am now being denied a modification despite the fact that interest rates have been significantly reduced and and my current interest rate is at least 1-2 points higher than the fed interest rates which would significantly reduce my payments. This company has not acted in good faith regarding my current and previous modifications. The denials of my modifications are in violation of the Mr Cooper XXXX Multistate Consent Decree ; and they are continuing in violation of that consent decree.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Credit card

Credit card companies like Discover need to have new parameters given. They are now calling now stop at only 5 days past due. Had a client that was late paying and the calls keep coming every XXXX hours. This is completely unacceptable and bordering on harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Free Credit Report service is unable to process my request. I have tried a number of times.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After a XXXX in diagnosis XX/XX/2020 and XXXX there are many bills to pay not just our mortgage. Carrington Mortgage is not helpful at all. Even though I let them know this at the beginning of our situation. They require thousands of dollars to get current and right now we can do payments but they are not willing to work with us to accomplish that. There is money being held in suspense and we just mailed additional money XX/XX/2020. They informed me today that if that money is received they probably will not accept it, that is just down right XXXX. We have spoken to them on several occasions some of the representatives are friendly and caring and want to help and some are downright rude. Telling us our home is in foreclosure, when it really is not ( yet ). We have no where to go to borrow money and no real resources at this point. What to do? We are scared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I never attended this place /college
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : violation of 15 u.s.c. 1681b permissible purposes of consumer reports Dear Sir/Madam, On several attempts I have sent Experian notification that they have violated the law referenced above by furnishing a consumer report outside of my written instructions. I have never given written instructions to furnish the listed account ( XXXX XXXX ).
Product: Checking or savings account

XXXX Im pretty positive it was XX/XX/XXXX XXXX XXXX XXXX XXXX. I had my debit card stolen off of me at a XXXX XXXX XXXX XXXX. I got note that money was being taken out so I called Chime right away and dispute of these transactions somehow the first transaction got approved for my dispute, but not the other two why I guess they were separated somehow for some reason and treated as two different occurrences when this was not two different occurrences. I spoke with the security from the XXXX that would not allow the police and I to look at cameras because they said you cant see what card someones using. You cant tell if its theirs or card or your card so no report was filed. I have given chime the name of the police officer, the name of the security people an idea who I thought it was in all the paperwork they sent me back from their denials are just one piece of paper that has the wrong answers from them saying this is what I said when I called that day I have called almost every day for the last six months they have lied to me. They have pretended to escalate this case they have denied it over and over and over again after all the evidence Ive given them even though I dont have a report because I could not file one and that is not my fault also, why would you approve one transaction but not the other two when they were three transactions three or four same timing same day same everything I have told them I was gon na file a complaint getting an attorney. Nothing has helped me. They have not even tried to help me at all. They have none of the stuff I have when I called the evidence that I have they have never even backed the evidence like call the police station and see if someone was dispatched that day they have not done that and I called them out on that just because of a report wasnt made doesnt mean theres not proof that there was a police officer dispatch there that day. I have gone six months without those money and Im on a fixed income and this has really damaged my finances I dont have time to play their games anymore. its like a joke to them. Ive explained my size several several several times to several different employees and supervisors. They dont allow you to talk to the dispute department. They lie and say they are investigating they dont investigate anything. they are a complete rip off on top of that. They charge me for the ATM withdrawals XXXX apiece. Its unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have removed these inquiries and I am aware that any inquiry is a receipt of a transaction and I never validated any of these transactions. according to 15 usc 1681 ( n ) and 1681 ( o ) they have failed to comply and follow many of the laws put in place. I want {$1000.00} for each inquiry that has been removed from my report.
Product: Mortgage

I called a gentleman from advantage first about taking out a line of credit. The gentlemans name is XXXX he said he was an affiliate of XXXX XXXX. Which is my mortgage company he ran my credit I and said he would get back with me. I thought it was odd so I called XXXX XXXX and XXXX XXXX said he doesnt believe hes working with XXXX XXXX XXXX Now my credit score has been hit for no reason and want to make sure hes not trying to scam me. This is his contact information he sent me. Thank you. Hello, this is XXXX. I will be your main point of contact here, please save my number in your phone. You can text, call, or fax this number anytime. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported this bankruptcy couldn't be verified, inaccurate and it's non public record a, so it was removed off their credit report. XXXXXXXX XXXX submitted proof to Experian to be removed completely off my credit report but Experian didn't respond to the dispute that was submitted by XXXX XXXX as third party. Experian stated that bankruptcy will be investigated and removed within 30 days which Experian didn't respond to XXXX XXXX. The reference # XXXX Bankruptcy XXXX XXXXXXXX file XX/XX/2019 discharged and closed 8 years with the court also Experian stated they contacted Court that wasn't true.under the FCRA if the consumer furnished any information that is not vertified and inaccurate by state law a lawsuit could be filed against them. I planned to presume a lawyer in this matter and investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 I surrendered my home to the XXXX due to a layoff ( XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ). The house was sold XX/XX/2014 to the highest bidder, it's new owner is XXXX XXXX XXXX XXXX, which is public record. Equifax is the only creditor still reporting this as my home which is false information. It's been removed from XXXX and XXXX. I'm in the process of trying to buy a new house, and this error is making it very difficult for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX 2022 I sent a HIPAA letter to XXXX at their address via certified mail. I never received notification of this debt and asked the company to provide me validation of the debt by sending a copy of the contract that I supposedly have with them, my actual signature, and by requesting documentation of how they calculated what I supposedly owed to them. On XX/XX/XXXX22 I received a letter stating the debt was verified by the creditor with an amount owed and nothing more. As a protected consumer, I have a right to know the information requested for validation. I provided the company the appropriate amount of time and have not received sufficient validation.
Product: Credit reporting or other personal consumer reports

I paid off my Credit Card in full. Apparently, there has been a {$2.00} fee charged that I wasnt aware off and then received a late fee. Called XXXX  XXXX  and had all the charges taken off because I already paid my card in full. Next month, automatic {$1.00} fee and late fee. This happened 3 times ( so 3 late fees and credit score way down ) until I was told that I need to pay that {$39.00} to really close my account and they will send me a check for {$39.00} to refund. Computer glitch. Still I have not received the check ( 2 months later ) and no one tried to fix the mess they made out of my credit score.