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

On XX/XX/XXXX, I received a letter from XXXX XXXX stating that I required a deposit because of a low XXXX XXXX Score. However, the key factors listed included a " Lack of Open Service/Professional Accounts '' and there is no definition or explanation of this anywhere. It offered me the right to get a free credit report, but this does not explain or provide what accounts listed are actually service or professional accounts.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX, Fl, XXXX in XXXX XXXX . I am writing this complaint because I did not give any of the parties mentioned written consent to contact XXXX XXXX XXXX, Consumer, or any other person regarding this alleged debt. This is a Notice to place all of the parties mentioned on a Cease and Desist Order.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I closed my XXXX account in XXXX XXXX XXXX When I did this the account had a {$830.00} balance. The balance was still paid off on the account a few months after closing. 

XXXX has not updated my credit profile. I have contacted them XXXX  and have XXXX emails from them saying the same thing about my credit file will update and it hasnt. 

Ive attempted numerous disputes with Experian and they wont drop it even with statements showing the account is closed and paid off with a {$0.00} balance. This has affected my credit worthiness. I have attached the emails from XXXX at XXXX, my final statement from XXXX, and my numerous attempts to correct my credit file, and what it currently looks like.
Product: Credit reporting or other personal consumer reports

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau still reporting an unverified collection account on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, through XXXX XXXX, I was made aware of a hard credit inquiry made on my Transunion report around XX/XX/2023. Through my investigating I discovered an attempt to open an account with XXXX. 
On XX/XX/XXXX, I contacted Transunion and they had me contact XXXX. XXXX had actually already sent this application to their fraud department because the address used did not match the address I have on file. I gathered they would work on taking this inquiry off of my credit report. 
Today, XX/XX/XXXX, I have placed fraud alerts on all of the credit reporting companies and am trying to get the address removed that was used fraudulently. I also attempted to file a police report but they wouldn't let me since no money was taken.
Product: Mortgage

My loan originated with XXXX, XXXX XXXX XXXX and was later sold to XXXX XXXX XXXX. I have an FHA loan. My mortgage fell into foreclosure due to a series of hardships and marital issues. I tried to do a loan modification but was declined. I subsequently opted for a short sale because I needed money to assist with relocating for my sons to keep custody of them and I also need to finish college and can not obtain the loans needed with the foreclosure. I listed my property with a Realtor, submitted my short sale package to XXXX XXXX XXXX and received an approval. As my approval came in, XXXX XXXX XXXX transferred my loan to Carrington Mortgage. Once my loan got to Carrington Mortgage, I spoke with a representative who said Carrington will takeover with the short sale from XXXX XXXX XXXX. He said the sales price needed to increase to XXXX and they had to have a minimum of {$87.00}. I told him that the cash buyer had already increased his offer and I sent the contract as requested to Carrington. I even sent updated income documentation. As I waited to get the green light to close, my home was foreclosed on XX/XX/XXXX and I was n't notified. I was caught by surprise. The attorneys for Carrington never sent me notice and I was waiting on Carrington 's short sale instructions. I raced to hire an attorney who objected to the sale. The property went back to Carrington, but the deed was not transferred because of the pending litigation. I need help resolving this matter
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to appeal the suspension of my PayPal account which was recently banned shortly after I registered for it. As a first-time user, I am not aware of any policy violations or suspicious activity on my account that would warrant such a decision. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. 

I have not had the opportunity to use my PayPal account yet, therefore, I am confused as to why my account was suspended immediately after registration. I believe that this suspension is unwarranted and unjustified. I would like to request that the necessary steps be taken to review my account and reinstate it as soon as possible. My account E-mail is XXXX Thank you for your attention to this matter. 

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

XXXX XXXX, EXPERIAN, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU ARE REPORTING FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX YOU HAVE VIOLATED THE TRUTH AND LENDING - ACT 15 USC 1601 AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, XXXX, AND EXPERIAN ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017, I paid the total amount owed in full and was promised the account would soon close. XXXX XXXX is reporting a false amount and still has the account open
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage loan modification in XX/XX/2023 and it was approved XX/XX/2023. During this time I was not informed the there would be credit and tax ramifications. After speaking to several different single point of contact representatives I was told about the negatives. I was informed that I should submit my credit report and ask for the late payments be removed. Then I was told by another representative that, thats what happens during the loan modification process. I submitted a dispute to each credit reporting agency informing them of this and nothing was changed. Calls are recorded so theres proof of what I was and was not told. Also during this process I would submit request documents and it would take a while before I would hear anything back or be informed anything additional was need. At this time they started sending letter with expected completion dates for next steps but with mail it would cause a delay. So I started to call weekly for updates and to see if anything additional was needed from me. One instance is that I have an XXXX XXXX fraud alert on all my credit reports. It wasnt told to me up front that a signed letter was needed from me stating that Im in the modification process and that Im requesting it. Shouldnt this have been something that was caught at the beginning of the process? Or when I submit my documents and time has elapsed the 60-90 days of my current LES are not acceptable because Im not in that window though my pay doesnt change. Each time this would happen it would set me back steps during the process. At the end I was approved for the modification but have 90 days of late payments due to the way my process was handled. I never received a call or spoke to the person that was assigned to my case. It was always another representative and some of the follow up due dates that were given in the letters were surpassed but now Im having to deal with the late payments for a process that should not have exceeded 3 months. Before this process I applied for refi. Hadnt heard anything. Would email, call and text the person assigned to my application and no response. I received a copy of the payoff request to Penny Mac from Penny Mac and assumed this were going accordingly. After some time I started calling the person assigned to my application and the numbers left from XXXX other people on her team. After weeks o finally got ahold of some and was told they tried to contact me to let me know I was not be able to continue the process. I received nothing other the the payoff request for the refi.
Product: Credit reporting

XXXX showed up on my credit report on XXXX/XXXX/15 as a hard inquiry on XXXX/XXXX/15. I immediately filed a investigation with Equifax and within XXXX hours they closed the case stating Inquiries are a factual record of file access. I called the # Equifax provided for XXXX, XXXX and spoke to XXXX, today XXXX/XXXX/15. I asked how they got my information to view my credit report when I didnt apply for credit or authorize them to view my credit report. He could not tell me and asked that I fax my name, address, phone # and last XXXX of my social to XXXX. I do not feel comfortable doing so as that is all information that can be used to obtain credit fraudulently. I have read online, NUMEROUS accounts of XXXX placing a hard inquiry on people 's credit reports. I will not stand for them to comit fraud!
Product: Mortgage

in 2007 I refinanced my house for 15 years with XXXX XXXX XXXX, my payment is {$2100.00} for principal and interest only, I have not escrowed since 2007, I pay my own insurance and my own taxes since then with no issues. I have received noticed of an escrow analysis that was performed on my account recently, I 'm pretty sure there is a mistake as this particular servicer has been making them ever since they took over a year or so ago, I do not engage with them as they never know or claim to not know what is going on. please help, as per my closing documents, I DO NOT ESCROW. thanking you in advance for your cooperation.
Product: Debt collection

In  XXXX     2017  I reached out to MCM Collection agency to figure out a debt that was marked on my credit reports. The company told me that I did not owe a penny and the accounts should not be on my credit reports anymore. They sent me a letter in the mail stating this. However when I disputed this on all  XXXX  credit reports they came back verified.
Product: Credit reporting or other personal consumer reports

I applied for a deposit account with XXXX XXXXXXXX XXXX XXXX on XX/XX/year>. After reviewing my Chex Systems report, I noticed that 2 inquires were done by XXXX XXXX XXXX XXXX. One on XX/XX/year> and one on XX/XX/year>. There should only be one on my report. I've contacted XXXX XXXX XXXX XXXX to remove the unauthorized inquiry but it has yet to be removed
Product: Student loan

Hello I am requesting help with getting my student loan payments during the pandemic pause refunded as provided for under the CARES act. I recently had my loans consolidated and transferred to MOHELA for PSLF. Before doing that I requested with my previous servicer, XXXX, to claim the refund for the voluntary payments I made on my federal student loans during XXXX. They did not process the refund before the loans transferred to MOHELA. I then contacted MOHELA after they were servicing my loans and made the same request, knowing that I was eligible for forgiveness soon. Now MOHELA has XXXX my loans but I still have not received the refund for the covid payments. I requested the refund multiple times with both servicers prior to discharge and prior to any consolidation and have really been getting the runaround. I know that in the CARES act if a person requests their COVID voluntary payments on valid federal loans that they are entitled to those payments back. In my case it is a lot of money because I paid into the loans heavily during the pandemic pause since there was no interest and I was not sure if the PSLF process would actually work. It is something around XXXX XXXX dollars that I am entitled to under the CARES act for all the payments I made from XXXX to XXXX. That is not a small amount of money and I just want the benefit of the CARES act as provided by law. I filed a dispute case with the ombudsman for federal student aid on XX/XX/XXXX and after waiting over three months for a response I still have not been contacted by anyone.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft and I have submitted numerous disputes concerning fraudulent accounts reporting on my credit reports. I submitted FTC and police reports to the credit bureaus and and the the companies involved requesting validation of the debts and I have not received validation as requested. I am exhausted with all the runarounds from the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent you complaint few times and I just pulled for update my credit report I see you still didn't delete these negative accounts from my name. They are not belong to me.
Product: Checking or savings account

This Complaint is against Wells Fargo and their mismanagement of my monies, in which I entrusted to them. ( 86 ) fraudulent transactions remain unpaid by Wells Fargo. These transactions were allowed AFTER I had everything in place to prevent this- when my Email was hacked. Specifically, my accounts were disabled and deactivated. ( 2 ) of the larger fraudulent transactions were recently paid. Wells Fargo recently requested a list of all fraudulent transactions, instead of simply saying " All Transactions since XXXX XXXX  ''. I complied with their request, and copies were sent to XXXX XXXX. ( Escalations Rep. ) and XXXX XXXX XXXX of the Executive Office. I have heard nothing in response from either W.Fargo staff. Please note : if I have to file Complaints on each of these ( 86 ) fraudulent transactions, I will only be able to put ( 5 ) per complaint. And this would transaction in to ( 17 ) additional complaints, which would require a full staff at W.Fargo to respond.
Product: Credit reporting or other personal consumer reports

I recently contacted Trans Union and XXXX and XXXX about an accurate information on my report such as closed accounts and inquiries that I did not authorize. I was instructed to contact the CFPB in the XXXX.this was on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under XXXX5 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX  XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  pulled my credit and my wife 's credit ( hard inquiry ) without authorization. 

I started talking with XXXX XXXX  to discuss a loan to build an addition on my home. I provided basic information to XXXX, but I did not give permission on the online form nor did I give permission over the phone. I told the agent on the phone multiple times that I didn't want my credit pulled until the time came. The plan was to pull the credit once the plans/designs for the home addition were completed and ready to process the loan, and the agent knew this. 

XXXX XXXX  then pulled my credit and my wife 's credit ( hard inquiry ) without authorization. The agent I was working with did not take responsibility and their supervisor then told me they can't remove the hard inquiry from my credit report and it was my responsibility to contact the credit bureau and dispute it directly with them by letter or by phone.