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

Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. 

TO INCLUDE : XXXX EQUIFAX XXXX ACCOUNTS IN DISPUTE : XXXX XXXX XXXX-Collection Account-No Signed Contract with this company to validate. 
XXXX XXXX-Collection Account-No Signed Contract with this company to validate. 
XXXXPaid in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Reporting by XXXX and Equifax Dear XXXX, I am writing to file a formal complaint against XXXX and Equifax for their inaccurate reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), a consumer report should not include transactions between the consumer and the person making the report. However, these agencies have included accounts that involve such transactions in my report without proper investigation, violating my rights. 

The accounts I am disputing, along with their account numbers, are as follows : 1. Police and XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX I have contacted XXXX and Equifax directly to request an investigation into the accuracy of these accounts, but their responses have been unsatisfactory. They have failed to provide conclusive evidence supporting the inclusion of these accounts in my report. 

This inaccurate reporting has harmed my creditworthiness and financial well-being, impacting my ability to obtain credit and secure favorable loan terms. I may even face denial of housing opportunities as a result. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervenes in this matter, ensuring that XXXX and Equifax promptly rectify the situation. I urge the CFPB to conduct a thorough investigation, enforce penalties, and implement corrective measures to protect consumers like myself. 

Enclosed with this complaint are relevant documentation, including my consumer report, correspondence with XXXX and Equifax, and any supporting evidence. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please contact me if any additional information is required. 

Thank you for your assistance in protecting consumer rights. 

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

This account is from National Credit System a company when I called does not have and record of my name or social security number. No account is was removed from my credit. Now XXXX have resubmitted the account on my credit report and another account I have no knowledge of. 
National Credit System XXXX XXXX XXXX, {$12000.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XX/XX/2020, AQUA FINANCE Inquiry : XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/19XXXX XXXX XXXX XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. 

Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried faxing i.d an proff identification card an Equifax steal having tried fixing it going on year My I cant use .my credit steal letting company use account I lost so much money bank accounts card dealing false birthday
Product: Mortgage

Our mortgage company has not been apply payments correctly for their advantage, has stopped mailing paper statements without any notification, and falsely attempted to charge our account with late fees due to some computer glitch on their end.
Product: Payday loan, title loan, or personal loan

I received loan document from ace under item number XXXX dated XX/XX/XXXX stating past due amount due XXXX Break down listed as, principle XXXX, interest XXXX and fees XXXX last payment amount XXXX on XX/XX/XXXX from loan dated XX/XX/XXXX. 

I only borrowed XXXX with XXXX taken biweekly. I have almost paid back loan amount principal and now they are stating i owe them an additional XXXX?? Additionally as you can see from last payment date this is harassment. They also harass my phone. Im not sure whats going on. I would not have signed up for this or anything where my payback would exceed {$6200.00} on a {$2000.00} loan i took out a month and a hald ago. I dont understand this or the fees. This seems illegal.
Product: Debt collection

The debt collectors call and ask for someone that I have no knowledge of, in any way. I have told them they are calling an invalid number, but they have continued to call. I have advised them to stop harrassing me, but they say that I did n't tell them ( the person speaking ) personally so they do n't know not to call me. They are also harrassing my husband and he has told them the same, we do not know who they are talking about and ca n't help, stop calling. It 's been going on for months and they use different phone number, with no caller ID. Sometimes they 'll leave a message asking for this stranger, and we need to have him call them regarding an important file. They will not stop calling us.
Product: Credit reporting or other personal consumer reports

Affirm and XXXX is reporting information that is inaccurate. I have an equitable interest in this account. Because this account generates interest monthly from the deposit of my security the balance can not be late as XXXX role would be to apply the interest to settle the balance and refund any overpayments to me immediately as the investor. Affirm has failed to do that which means they have failed to accurately access this account which I am going to notify the IRS of my findings. XXXX is being furnished this information and lonely reporting it inaccurately even with my attempts to get the information updated. Since XXXX is securitizing this consumer report they have to accurately account for the money received and since they have a financial history the investigation into their wrongdoing is biased as they stand to gain a profit.
Product: Mortgage

My loan was recently Sold from Mr Cooper to XXXX XXXX XXXX XXXX company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with Mr cooper without an extension. However I attempted to request an extension with Mr cooper loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called Mr cooper they informed me my loan was sold to XXXX XXXX. Up until the date of XX/XX/2023 Mr Cooper did not QRPC according to XXXX XXXX XXXX guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. XXXX XXXX as of this date has not responded with a resolution this issue, Or even attempted QRPC according to XXXX XXXX XXXX XXXX for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only 6-7 months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.
Product: Debt collection

Getting calls from Dynamic Recovery from various numbers. In the beginning they called and did not answer. When I called back told them that this is the XXXX XXXX XXXX 's Attorney 's office and the person they are looking for does not work here. I have told them this XXXX times and they still call. They have called me on XX/XX/scrub>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

{$310.00} Open balance XXXX XXXX XXXX. 
Original creditor XXXX  Opened XX/XX/year> ( 11 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. 


{$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/year> ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear ; Consumer Financial Protection Bureau & Attorney General TX & Ombudsman ; Complaint against XXXX XXXX points Regarding - Paid off Loan my pledge loan paid it weekly never missed a payment and paid it completely off with XXXX XXXX XXXX. 

I have attached below screenshots of my credit score dropping today XXXX points because I paid OFF my pledge loan at XXXX XXXX XXXX! 
When you pay off a loan your score goes up NOT down! 
It says XXXX XXXX  Account was closed, closing an account cant drop your score.. absolutely obserd! No one has a bank Loan for their entire life span just so that their credit score doesnt go down. My XXXX XXXX account was full paid in full not closed for the XXXX of it! Please rectify your MISTAKE immediately and put my XXXX points back up and give me extra points for being a good girl and paying my XXXX XXXX XXXX off fully. Unbelievable you are absolutely on purpose being malicious to try and destroy lives of good people doing the right thing by paying their bank loan off, I am absolutely disgusted by the way you do things instead of patting the person on the back for paying their pledge loan off you drop their pointsmake that make any sense at all please????! 
Ridiculous I expect my credit to be immediately repaired by you or I am seeking Legal action against the credit bureau Who obviously intentionally want people to fail when they do good I find that absurd and absolutely disgusting. Not even a Third World country would do this, Nor would a Third World country treat good people that pay their bills on time and pay them off on time this way. If you look at my XXXX page, it is called Sima_loves_life I have over XXXX K followers if this is not rectified, Im going live to my viewers, showing them all the proof and the information of how the credit bureau punish you when you pay off a loan dont come to America because they set you up for failure. How disgusting to say the lease, Im beyond disappointed. And the credit bureau should be embarrassed treating people this way!
Product: Credit reporting or other personal consumer reports

This is my 5th attempt to exercise my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report : XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account Number Not listed on the report Bankruptcy Public Record. U.S Bankruptcy court As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER XXXX XXXX. 

XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX PAYMENTS REPORTED ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS XXXX U.S.C XXXX section XXXX A. States I have a right to privacy. 

XXXX XXXX XXXX section XXXX A. Section XXXX : Its also states that a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Jefferson Capital is trying to collect on an account that is not mine. I submitted a dispute with all three credit bureaus. The account were removed from XXXX and XXXX but remain on XXXX
Product: Debt collection

A collection was place on my credit for a XXXX  bill so I sent the company a letter to verify my dept in XXXX then they sent a letter back with a bill. So i sent another letter in XXXX for the company to verify and they just sent another bill and attempted to call me numerous times. I have yet to get another letter from them and they just ignored my request and reporting late payments on my credit for an account they could not validate, and it been over 45 days since they received my letter.
Product: Debt collection

I received a call on XXXX/XXXX/16 at XXXX from XXXX XXXX XXXX of NRS North East Recovery. She wanted information on my brother. 
I asked her how and why she was calling me when my number is private and listed with the Do Not Call Registry. My brother does not live with me. She said she could not give me any information because I was not his spouse. She also would not give me an address for this company. I told her she is being reported and will submit a claim against her. I told her that she stole my phone number! I told her that my mother had just passed away on XXXX/XXXX/16 and that if she calls any of my other family members trying to get information on my brother during this terrible time we are going through, that I would take legal action against her and her company. 
I also received a call on my cell phone from another cell phone number minutes before and I believe it is from the same company. 
The cell phone numbers are XXXX and XXXX. 
The call back number that XXXX XXXX left on my answering machine is XXXX.
Product: Mortgage

My wife and I reached out to Capital One for a refinance on our home with the option to take cash out. This process has been going on for over 3 months now. Capital One has counter offered my wife and I on several occasions. At first they were going to payoff the 2 cars we have, and all the credit cards we have. Then they called us and told us they could not payoff one of the cars because it 's a Capital One auto financed car. Then they stated they could not payoff 2 of our credit cards because it 's a Capital One credit card. On the second counter offer after the home was appraised from outside " The appraiser never came in to the house for a full appraisal '' The appraiser appraised our home as a 3 bedroom 2 bath. Well we have a 4 bedroom 3 bath. He appraised our home a XXXX. After we told them they appraised our home incorrectly the appraiser came back and this time he came inside the home. After that report he appraised our home at XXXX. Not sure how a 3 bedroom appraises more than a 4 bedroom. Since then we had a neighbor sell their home and we have the same exact square footage and plan and their home sold for XXXX. We also had a licensed realtor come by and he is willing to list our home at XXXX. After the low ball appraisal offer came in from Capital One 's preferred appraiser. We were told we have to hire a realtor and get the comps associated with our area within 1 mile. Before all of this Capital One stated they will be paying our closing cost and they will be paying our title fee. Well after this 3rd counter offer they told my wife and I that we have to pay the closing cost and title fees, not only that we will have to get back 4k-7k on proceeds back to the homeowner. I feel they have lead us on and I feel they have discriminated against us. Not only this deal is not fair but they re-wrote our loan at least 3 times into their favor and not ours. I do feel they just wanted another loan which is with XXXX XXXX onto their books and they were willing to do this by any means necessary. I would like to take a step further and hire a real estate attorney in regards to discrimination. Please let me know if you need any other information. 

Thanks -XXXX. XXXX
Product: Checking or savings account

XXXX : ** XX/XX/2024 XXXXTo Whom It May Concern : ** I am writing to file a formal complaint against Relay Financial and XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, regarding the egregious mishandling of our financial accounts and the subsequent disruption of our business operations. 

On Friday, XX/XX/2024, late afternoon, we received a concerning communication from Relay Financial, the front-facing company utilizing XXXX XXXX XXXX services in the background. Relay Financial requested information about a specific inbound wire transfer of {$30000.00} that XXXX XXXX, XXXX had received on XX/XX/2024. In compliance with their request, we promptly provided all signed documents and promissory notes related to this transaction. However, instead of facilitating a smooth process, Relay Financial chose to freeze all our accounts, leaving us incommunicado and financially stranded throughout the weekend. 

Their initial communication, as cited, vaguely referenced routine compliance reviews, ostensibly aimed at upholding security values. Yet, their actions caused severe disruptions to our business, hindering our ability to operate efficiently. Despite our immediate compliance and cooperation, the situation escalated further on Monday morning, with Relay Financial persisting in their demands for additional documentation, seemingly without regard for the significant inconvenience they were causing. 

Throughout our email interactions, we diligently complied with each request, providing all necessary documents within our means. However, Relay Financial 's demands continued unabated. Despite repeated requests for a phone call to resolve the matter expeditiously, they chose to communicate solely via email, prolonging the resolution process unnecessarily. 

Furthermore, the lack of transparency in Relay Financial 's handling of the situation is deeply concerning. Despite our cooperation and submission of extensive documentation, they failed to provide clear explanations for their actions. Instead, their inquiries became increasingly intrusive, demanding communication emails with our clients and detailed explanations of our business model. 

XXXX XXXX, XXXX operates as a legitimate Private Money Lender, facilitating real estate lending deals. Our interactions with Relay Financial were intended to be routine and compliant with all legal and regulatory requirements. However, their actions have caused undue hardship and financial losses to our business, which we can not tolerate. 

We demand immediate resolution of this matter, including the unfreezing of our accounts and a formal apology for the disruption caused. Additionally, we seek assurances that such arbitrary actions will not be repeated in the future, and that Relay Financial will adopt more transparent and accountable practices in their dealings with clients. 

Thank you for your attention to this matter. 

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

On XX/XX/2016 a credit card was opened in my name thru XXXX XXXX XXXX. Card was used and maxes out to the limit which was {$300.00} I believe. Total charge amount is {$430.00}. I did not open this account. Someone had my info and opened it. The account was closed in XX/XX/2016. And left on my credit report to damage it. Please fix this for me. Thank you
Product: Debt collection

Please Help! XXXX XXXX has furnished a charge-off on my consumer file that does belongs to me. As stated before I never authorize this account. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from XXXX  XXXX stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from XXXX  XXXX stating that they are closing the account. Exhibit E is a letter from XXXX XXXX stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to XXXX XXXX which they continue to violate. XXXX XXXX just placed an account on my consumer file with the attempted to ruin my credit worthiness without being able to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX17 - Using the MoneyGram website I made a transfer to my sister in PR as she needs the $ right away due to the emergency in the island. I made the transaction for {$350.00}. The company took the money from my checking account in a few minutes and made available for pick up. However, when my sister went to get the money the MoneyGram at XXXX in XXXX PR said that they have a restriction and that the amount can not be for more than {$150.00}. That I have to split the transaction. I called MoneyGram they can not split the money right away. Then, they recommended to go to XXXX in XXXX to pick it up, but I called XXXX and they said the same thing. I called back MoneyGram, and apparently XXXX will be able to give the $ to my sister.  As soon as she can call me I will communicate this to her. My complaint is that : 1 ) MoneyGram website did not mention the restriction before taking the money 2 ) If I request a refund I have to wait 10 days to get it back in my account 3 ) I paid {$36.00} for immediate delivery of funds ( which they do not want to refund ) 4 ) this is a real emergency there is limited communication and my sister needs the money for her family NOW.