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

In response to my previous complaint Experian advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company never validated Bankruptcy Ask for identification
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, my wife and I scheduled two payments with Conn 's Home Plus to pay-off the remaining balance of an appliance that we financed to avoid interest fees. Up until this point, we used our shared checking account to make regular monthly payments. However, on XX/XX/XXXX we scheduled two payments using our personal credit cards as to avoid spending {$1500.00} in cash. My wife scheduled her payment for XX/XX/XXXX in the amount of {$770.00} using her personal credit card. I scheduled a payment for XX/XX/XXXX in the amount {$770.00} on my personal credit card. However, Conn 's charged two payments for the amount of {$770.00} each to our shared checking account. When we called customer service to explain to them that they had charged the payments to the wrong accounts, we were told that since we had made the payments online we would have had to authorized those payments to our shared checking account. We explained to them that what had prompted our call on XX/XX/XXXX was the fact that on XX/XX/XXXX Conn 's had charged {$770.00} to our shared checking account and there was a pending charge in the amount of {$770.00} on my wife 's credit card. There was also pending transaction on our shared checking account for {$770.00} on XX/XX/XXXX. Further, on XX/XX/XXXX there was a charge to my personal credit card for the amount of {$770.00}. In effect, we have been charged an additional {$770.00} that would have been an additional {$1500.00} had my wife not be able to stop the payment on her credit card. Conn 's actions have caused me financial injury beyond the additional {$770.00} that they are currently holding. We are being told that we must wait for a refund request to be reviewed and approved, and if approved that they will mail a check somewhere between 5-10 business days. They are basically holding our money in escrow without permission and depriving use of our ability to use those funds without paying interest.
Product: Checking or savings account

On Tuesday, XX/XX/2023, I attempted to purchase a train pass with the account I had with Bank of America. The transaction was declined on two separate occasions. I called the bank and was informed that my account had been closed with no explanation. They did not give me a reason as to why the account was closed. I had funds in the account and it was not in the negative. I have been calling Bank of America since Tuesday, XX/XX/2023 and I keep getting the run around. I keep getting told that I have to wait for a response from them on whether or not they can release my funds to a Bank of America branch which can take XXXX days. I was also told that the account will not be completely closed until XX/XX/2023. 

There is no reason why someone has to wait for a bank to release YOUR funds. This is definitely unethical and I would advise no one to do business with Bank of America. I have had nothing but problems with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in the name of XXXX XXXX is doing nothing but running peoples credit by doing soft and hard inquires under names associated with XXXX XXXX or XXXXXXXX XXXX. Such as the following companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is making it a point to use these companies to run peoples credit scores down into the ground so they had to pay more credit when they authorize when they recommend them for credit, the consumer financial protection bureau need to take this kind of power away from the three credit bureaus all they should be there for is to oversee credit not strong thumb people into high outlandish interest rates because they have done excessive excessive excessive amounts of inquiries, hard and soft on their credit which drives a Credit score down their credit writing down there XXXX score down everything XXXX needs to be punished punished severely punished like XXXX with a Federal Trade Commission punish light blink with a Federal Trade Commission. They need to be punished for what they are doing.
Product: Debt collection

On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my XXXX husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a discover card account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my XXXX wife that someone is conducting an illegal investigation into our credit background. I asked my XXXX wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, XXXX XXXX XXXX, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. 

XXXX XXXX and XXXX " XXXX '' XXXX
Product: Mortgage

Freedom Mortgage Loss Draft handling company - XXXX  has possession of checks for about {$45000.00}. We need to endorse the checks and send them back the checks with additional documentation. They have the checks with them since XX/XX/year>. Multiple phone calls were made and finally they admitted to sitting on the checks and that they would overnight the checks to us for endorsement and then provide labels to return the same to them with documentation. They haven't done this either. Multiple emails have been sent with no response from them. Further calls to them are also dead-ends- with them asking us to call back in a " few days ''. 

XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$18000.00} XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$4000.00} XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$620.00} XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX XXXX SERVICES XX/XX/XXXX -XXXX XXXX SVC XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX CARD XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX BANK NA XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX -XXXX XXXX NA Bank XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -US XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Unauthorized credit applications have been made in my name, which has had a damaging impact on my credit and score. I reached out to Experian, and a representative assured me that these fraudulent inquiries would be removed. Despite this assurance, the inquiries remain on my credit report. This ongoing issue is deeply concerning, as it not only harms my credit but also raises the possibility of identity theft.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company hasn't even attempt to resolve issues. They just repeated what was said in the last statement, they have not reached out to the company they have sold my information to yet. My Imformation was falsely used in the attempt to gain credit! I have a Police Report documenting this, the credit bureaus have not even obtain any proof that they had the right to pull my for this company. Credit bureaus only state that these inquiries will be on my credit profile for 2 years. The problem is they shouldn't be on my credit report period. I shouldn't be at fault for the credit bureaus mistakes. 
I understand that my information was sold by the credit bureaus to this company and they do not want to loss money. But I shouldn't be at fault for the mistake or fraudulent use of my information to obtain credit in my name. 
I request removal of these inquiries ... This is my Fourthattempt to resolve this with credit bureaus and company. This is the 3 time using your CFPB process to resolve these issues and all your company CFPB does is after company make no attempt to resolve CFPB closes case as if it was resolved. 
Well your company handle this, are must I contact some one else to aide in these issues of fraudulent use of my information.
Product: Student loan

i provided nelnet with the documentation they needed to see that they lied to me on multiple occasions and they are still saying i never provided that information which I did. I provided their call history to them and that has the proof that they lied to me
Product: Mortgage

XX/XX/XXXX I placed a call to Planet Home Lending , LLC inquiring why our loan is still requiring PMI. We have paid more than 20 % of our loan.I was told to put my request in writing ; which I did on XX/XX/XXXX, XXXX.I was told they would research my question and get back to me. As of today 's date, Friday, XX/XX/XXXX, we have not received an answer. 

On XX/XX/XXXX I received another automated call from Planet Home Lending , LLC requesting I call them again. I returned the call at XXXX and spoke to XXXX, the phone receptionist that answered my call. After XXXX checked our loan 'notes ' I was informed that our loan was paid up and nothing was due until XXXX of XXXX. She said she had no idea why the automated calls continue. 

XX/XX/XXXX we received via USPS our monthly PHL mortgage statement. The statement showed a charge for 'Total Fees and Charges ' amounting to {$300.00}. I called PHL to get a clarification for these fees and charges. Once again I was told they would have to research the fees and charges. Later that day I received an email showing the inspection fee charges dating back to XXXX. These exact fees had previously charged and then reversed ; as it is against the law to charge fees to an FHA mortgage, as well as a mortgage that in forbearance ( due to Hurricane Harvey ). On that day, XX/XX/XXXX, I called PHL to speak to someone about these fees ; spoke with 2 receptionist and never reached the mitigation department ; I was told someone would definitely call me back. 
XX/XX/XXXX I called again requesting to speak to mitigation was on hold and then PHL disconnected my call. 
XX/XX/XXXX I called and specifically asked to speak with XXXX XXXX or XXXX XXXX, our points of contact in XXXX mitigation. I was told they were not available an email will be sent for them to contact me. 
XX/XX/XXXX I called PHL again. I was on hold over 15 minutes while waiting to speak to XXXX XXXX ; I was finally connected to XXXX who said she would email XXXX to call me. 
As in my previous complaints about PHL, they will not speak to me to address my concerns.
Product: Mortgage

I lost my job due to Covid in XXXX of 2020 and entered the forbearance programs for a second mortgage, a primary mortgage, and two car loans all with different institutions. After obtaining a new job, the primary mortgage and car loans have been successfully removed from forbearance and I am current on payments. We have been attempting, since I believe XXXX of 2020, to resolve the forbearance on our second mortgage. Due to a sequence of missteps from the lending institution we have been unable to successfully resolve the situation. 

In theory the current state is that the mortgage is in review to append the current past due amount to the end of the loan. This was in theory sent to an underwriter on XX/XX/XXXX with a 30-45 day turnaround time. I spoke with the bank again on XX/XX/XXXX and they told me to call back in a week or two, bringing that review to up to 60 days. 

At this point I don't believe them because in previous conversations they claimed we were at the same state several times, and they claim that I turned down the modification. I did no such thing. I am concerned that they will again lose the current state and we will have to start all over again.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX SN XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to put a credit card, XXXX XXXX XXXX, used by my father on my credit report. We have the same name, but he is a Sr and I am a Jr. I do not use this card and am not on the account in any way. 

I have requested via their one process that they make this correction and remove it from my profile, since our date of birth and social security numbers are different, but they refuse. I am not a user or on this account in any form. 

As a result of their inaccurate information, my credit score with them is lower.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX point drop in my credit score due to a late payment I have made no late payments! All my payments are paid on time, because I am enrolled in automatic payments!
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Owed : {$4300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car dealership was not given permission to run my credit no more than one time. They ran my credit numerous times without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I made an attempt to settle a debt. I was happy to pay, and thought I had even already paid it, but the three women I spoke to were extremely rude to me and were not communicating with me in a manner in which I felt my money would actually settle a debt. To me, their attitude was not worth {$120.00} that I supposedly owe. I was horrified by their lack of professionalism. They had no interest in working with me to settle the debt.