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

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B )  for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Agencies never did a proper ''investigation '' according to the FCRA XXXX 

The term investigative consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with who he is acquainted with or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more in accordance with the fair reporting act everything has to be 100 % accurate on my credit report. 

The credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. which is grounds for removal. 
They also violated the law, because according to, 15U.S.C.1681 section 602 A states that I have the right to privacy.

15U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent or instructions. 
i didn't give anyone written consent or instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced a financial hardship several years ago. My home loan was originally with XXXX XXXX XXXX ( XXXX ). XXXX transferred my first and second mortgage loans to XXXX. XXXX and I agreed to a settlement for my second home loan. I had to pay {$14000.00} within 12 months and they would write the rest of the loan off and send me a letter for the credit bureaus to fix my credit. XXXX kept their word. However, Experian and XXXX refuse to adhere to the letter. I have been mailing the same document to them for a year and they still refuse to remove the negativity from my credit report. How should I proceed?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 u.s.c 1681 section 602 a the right to privacy act united states 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

XXXX XXXX Account XXXX Reference Federal Student Aid case XXXX There is a discrepancy on the principle balance of before and after my loans went to consolidation. Loans went into consolidation on XX/XX/year> with a principle balance of {$26000.00}, a payment of {$1400.00} was made on XX/XX/year>. The balance of the loans before going into consolidation was {$26000.00}. The principle amount of the loans coming back from consolidation was {$27000.00}. 
A payment of {$1400.00} was applied to my account on XX/XX/year> after my loans went into consolidation. {$1200.00} was applied to principle, {$120.00} was applied to interest. 
{$27000.00} ( after consolidation ) - {$26000.00} ( before consolidation ) = {$1200.00} variance {$1200.00} ( variance between before and after consolidation amounts ) - {$1200.00} ( principle payment of {$1400.00} ) = {$1.00} variance. As you can see in my calculation, the variance before and after consolidation is the principle amount paid from the {$1400.00} payment. 
The consolidated amount of {$27000.00} needs to be adjusted by {$1200.00} to equal {$26000.00}. Someone at Mohela needs to figure out how to enter this adjustment. 
I want to payoff these loans but am not able to until my account is corrected! Someone at Mohela needs to look at the balance of the loans going into consolidation and the balance of the loans coming back from consolidation. It's a very simple ask. I have been working with Mohela for 17 months to get this corrected and it is still not corrected!
Product: Mortgage

Hello, I purchased my first home approximately XXXX XXXX  ago. I have NEVER been late or refinanced since Ive had the loan. I did file XXXX however, I NEVER included the mortgage company! I NEVER selected a mortgage company of my choice. I started with a reputable mortgage company, and the company has changed since I purchased those XXXX ago XXXX times. During my financial hardships the past XXXX XXXX, Ive NEVER defaulted on the loan! Payments were in regularly WITHIN the grace period of XXXX XXXX! Last year, end of XXXX my mortgage increased {$300.00} & Ive NEVER been late! This mortgage informed me by letter that I have an Escrow Shortage againand it was because of my property taxes! Now, XXXX, XXXX, I receive another letter and I called. My escrow is SHORT AGAIN AND MY MORTGAGE IS INCREASING ANOTHER {$100.00}! I HAVE NEVER HAD MORE PROBLEMS THAN NOW SINCE IVE BEEN WITH THIS COMPANY! How can you not explain to me WHY THIS HUGE INCREASE SINCE XXXX? A {$400.00} INCREASE IN MY MORTGAGE IN XXXX XXXX? AN EXCELLENT CUSTOMER DESPITE WHAT THEY SAY ABOUT A PAST XXXX  & THE COMPANY STILL RECEIVED THEIR PAYMENTS EVERY XXXX??? I could have refinanced and I was in the process but had to hold it due to family reasons. As soon as this the mortgage company found out, they harassed me to refinance with them! I DID NOT!!! AND NOW THEY ARE HARASSING ME WITH STATING MY ESCROW IS SHORT? How??? THEY ARE A SCAM AND FRAUD!!!! IVE HAD NOTHING BUT MONEY SHORTAGES SINCE THE OLD MORTGAGE COMPANY MOVED AND IT WAS SOLD OVER THE PAST XXXX XXXX I CANT KEEP PAYING THIS HIGH MORTGAGE AND I DO NOT WANT THIS SCAM COMPANY ANY LONGER!!! Its very sad!!! IVE NEVER HAD THIS PROBLEM BEFORE WITH THIS HUGE ESCROW SHORTAGE!!! Imagine what they are doing to customers of low-income, poverty families? What about diversity and inclusions in communities? What about loyalty of customers who make their payments despite whats going on in their lives? YOU DONT KNOW WHAT FAMILIES ARE GOING THROUGH! WE DONT REACH OUT TO TELL OUR PROBLEMS BUT WE TRUST OUR MONEY IS SAFE WITH THE MORTGAGE COMPANY AND THEY ARE DOING RIGHT BY US XXXX!! NOT THIS COMPANY! I need to know consumer financeDO I NEED AN ATTORNEY? PLEASE HELP!!!! Take a look at my loan and see how Ive NEVER BEEN LATE!! HOW IS MY ESCROW SO SHORT WITHIN A XXXX AGAIN??? I NEED HELP CONSUMER FINANCE!!! I PAY TAXES AND I AM A UNITED STATES CITIZEN!!! I HAVE RIGHTS!!!
Product: Credit reporting or other personal consumer reports

I have provided proof judgment of dismissal letter from the court to credit bureaus. They are reporting an eviction for XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, but this is my current address. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( this is my current address ) TransUnion, XXXX, and XXXX
Product: Debt collection

I am receiving harassing calls multiple times during the day from XXXX which then asks me to call XXXX. I called and tried to ask what the debt was for but they will not give me any information unless I give my personal information. I filed chapter XXXX bankruptcy and the rep refused to acknowledge or take my case #. I have no debts since my bankruptcy was XXXX. This creditor was included in the creditor XXXX  and bankruptcy filing case # XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despite resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regululation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress of the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX
Product: Payday loan

I was contacted by Alliant Capital Management of a loan client I was told that I received a loan in amount of {$800.00} to a checking account. I do not remember signing up for this loan. 

They gave me last XXXX acct number of the checking account used and I do not own any of those accounts. Contact bank and they said I have never owned said account since being there since 2012. 

They claim that payment was taken out of said account for a couple of months and then stopped. 

They claim a email that was used is an email I own. 

Both people I spoke to were rude and yelling and totally out of control. 

Their client or the creditor has not sent any correspondence to said account mailing address on this issue or anytime after they stopped receiving payments.
Product: Debt collection

Since XXXX XXXX, I 've received XXXX phone calls from a debt collector named XXXX XXXX. Additionally, they are harassing my wife asking for me. They are looking for someone with the same name as me, but the address and social security number associated with the debt are different from mine. It is also for an XXXX XXXX XXXX service I 've never had, so it is clearly not my debt and I 've informed them of that. When I tell them this information they immediately hang up the phone, but then I get additional phone calls afterwards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these accounts from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my requests. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX  does not have any documentation, they need to retract this from my credit file immediately.
Product: Debt collection

On XX/XX/XXXX I started a dispute with Experian about multiple accounts and inquiries on my credit report which were fraudulent and unauthorized. Documents were mailed in to all three credit bureaus. Experian stated they have 30 days to investigate the matter which would end on XX/XX/year>. On XX/XX/XXXX, all accounts and inquiries were deleted. ( SEE ATTACHMENTS FOR REPORT NUMBER : XXXX. I then called them to confirm the deletion of stated accounts and inquiries on XX/XX/XXXX. However, on XX/XX/XXXX, two days after said investigation was suppose to be completed, I get an Experian notification that I just opened another dispute. ( PLEASE SEE REPORT NUMBER:XXXX IN ATTACHED DOCUMENTS ). 

This was fraudulently opened without my will or any documentation being sent in by me. An account named " XXXX '' which is a business credit card which was fraudulently opened, was re-inserted back on my personal credit file. No documentation ( WHICH WAS REQUESTED ) was sent out verifying the debt owned by me. Today is XX/XX/XXXX, I have finally got connected with Experian. They stated THEY reopened the account, and that the creditor, XXXX put the account back on. XXXX has not provided any documentation either. 

Also wanting to know why all other accounts were deleted in 10 days, when they have 30 days to do a full investigation? I have reason to believe that the information was deleted correctly on XX/XX/XXXX, and was wrongfully/illegally re-inserted on the credit report without a correct thorough investigation taking place, and with no proof of the debt belonging to me being mailed to me. The representative for Experian today also re-opened the dispute, and I informed him of the information being submitted ( AGAIN ) to the CFPB. PLEASE SEE ATTACHED DOCUMENTS.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account BANK OF AMERICA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized inquiry on my credit report this morning, and I have no idea why it's there. When I reviewed my report as usual, I was shocked to see unexpected discrepancies. I even tried refreshing my browser, hoping it was a temporary glitch, but the issue persisted. I'm really frustrated and need this resolved immediately by thoroughly reviewing the documents I've provided so I wont have to deal with this stress again.
Product: Debt collection

I got an alert this morning XX/XX/2021 regarding something was added to my credit file. I checked my reports and notice a collection reporting on my XXXX and XXXX credit report from a company Consumer Adjustment Company I do not recognize. This company has violated my right under the Section 15 USC 1692e 2 ( a ) ( b ) false or misleading reporting FDCPA. I also never received any notice written notice or notice by phone phone that this was an attempt to collect any alleged debt, also my right to dispute this alleged debt was ignored. I have not validated this debt and only me as a consumer can validate any alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any updates from this company as far as my dispute my accounts have not been set to disputed I recently did a complaint they said they were working on it I have not received any notice that they were working on it the bureaus have taken longer than 60 days and I am upset. I have sent multiple letters regarding this issue and I think it is unfair. According to the FCRA they have 30 days to respond back. I have no response and failure to investigate. I want these items removed for my report immediately
Product: Credit reporting or other personal consumer reports

Credit Acceptance Corporations reported to XXXX of inaccurate loan account status. This account ( account number XXXX ) was included in my bankruptcy case, yet it is still incorrectly reporting as with a balance. Under the Fair Credit Reporting Act ( FCRA ), any account included in bankruptcy must be accurately reported as included in bankruptcy and show a {$0.00} balance with no further negative marks after the filing date. I did notifiy Credit Acceptance Corporation of inaccurate yet no changes to this account
Product: Credit card

Between XX/XX/2023, and XX/XX/2023. I had fraudulent charges on a on my XXXX credit card. Also, between this time a land ends credit card was open in my name. my XXXX credit card confirmed that this was fraudulent charges. XXXX XXXX  is saying that this is my account. Account was open in XXXX. I have never visited XXXX or know anybody that lives in there Ive asked repeatedly for documentation from land ends which does their accounts through community Bank. Today when I talked to XXXX she stating that this is my account and Im responsible for it since I do not have a police report. She verified my address. But I live in an apartment and I have a mailboxes at the front of my apartment complex. Ive had issues with getting court documents on my custody and mail from my family. I asked to verify if my phone number was a phone number they had on file and if they could verify the email on file and she told me they could not do that. 
Let me know if you need any other documentation or information for me.
Product: Checking or savings account

Hello, I was inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my SSN is XXXX. I'm also inquiring about any custodial account they may be opened in my son 's name " XXXX XXXX SSN # XXXX and my daughter. XXXX XXXX # XXXX. I believe the account have been open fraudulently by a close relative without my knowledge. if there are any account open under our name can you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your time!!!
Product: Mortgage

When they authorized my loan, my mortgage payment remained at an amount and after a year they increased it more and then I don't know why, when they told me that my mortgage payment was going to do the same for 30 years and Wells Fargo increased it payment 2 times
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, I XXXX XXXX am the have been the victim of identity theft for years now. Equifax has repeatedly removed multiple fraudulent accounts from my Credit Report just to allow them back on again within months. Now even though I have resent them the evidence of my identity theft just as before they have not reremoved the following fraudulent accounts from my report! 

1. XXXX XXXX 1. XXXX XXXX
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS XXXX XXXX To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. DELETE THIS ILLEGAL ITEM
Product: Credit reporting or other personal consumer reports

I requested the REMOVAL of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never had any dealings with this property and am not responsible for any debts, leases, or other obligations associated with it. This incident has caused significant distress, and I am taking steps to rectify the situation, including disputing the fraudulent account with the relevant parties and credit bureaus.I request that this fraudulent lease be thoroughly investigated and that any records or credit reports related to this incident be corrected immediately. 
( Account number for XXXX is, XXXX XXXX XXXX XXXX ) ( Accout number for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )