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

XXXX XXXX made a hard inquiry on my credit report on XX/XX/XXXX without my permission or authorization. I spoke to TransUnion supervisor XXXX XXXX on XX/XX/XXXX who refused to remove the inquiry and informed me that I could not dispute the inquiry. I contacted XXXX XXXX who told me they would not ever make a hard inquiry without authorization. But XXXX would not send a letter asking for the hard inquiry to be removed. I asked Transunion to make this inquiry a Fraud Inquiry and they said no. So there you have it, both the credit company and the credit reporting agencies are both working against the consumer with no way to resolve. What a shame.
Product: Credit reporting

My address is incorrect on my credit report. I called all three national credit bureaus. Once, I was asked the security questions, in which, were answered correctly my address has still not been updated to reflect the correct address on XXXX of the XXXX leading credit bureaus. Those bureaus who did not update my current address is Equifax and XXXX. I am attaching the proper documentation to update my credit report. I would like my employer to be added to my public file also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX thur XX/XX/2022, I have been experiencing difficulties, with Equifax information services about blocking information due to fraud on my equifax credit report. I have sent ( by mail ) copies of 1. FTC AFFIDAVIT/POLICE REPORTS 2. PROFF OF IDENTITY. 3. AND OTHER RELATED DOCUMENTS AS IDENTITY UNDER FCRA SECTION 15 U.S.C.1681a -g. The sole purpose of that was to block and remove the remaining 3 FRAUDULENT ACCOUNTS 1. XXXX XXXX XXXX 2. XXXX XXXX  3. XXXX  XXXX, and XXXX HARD IQURIES. Although, Equifax information services will not comply by the FTC LAW, THE CUSTOMER SERVICES REPEPS ARE TERRIBLE, NEED MORE AMERICANS, I tell you that, they have all the documents needed to block these fraud accounts and inquiries, with ( once again ) all the information, I have attached all the documents I mailed to Equifax information services including the XXXX XXXX. Furthermore, it has been over 4 business days and the fraudulent accounts and hard Inquiries are still on my equifax credit report
Product: Mortgage

Mortgage company, Village Capital, performed an escrow reassessment due to taxes lowering in my area. I was refunded excess funds, and received notice from the company that my payment was reducing from XXXX to XXXX on XXXX via mail. When I went to make my payment for XXXX, it still showed the old amount of XXXX. When I contact the company, they said it was a system area and they couldnt fix it and said I would still have to pay my old amount because of a system issue, and nothing could be done about it. Multiple calls, no call backs, no voicemails, and nothing I can do. Very unprofessional and wrong. Honor what you say you are going to do.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, charter communicationsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal XXXX XXXX XXXX XXXX XXXX as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
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: Mortgage

Mortgage Servicer US Bank has forced placed insurance. However I paid for insurance that was collected in escrow during the refinance through XXXX XXXX. I have sent the Mortgage servicer the insurance binder, insurance declaration page, and insurance carrier contact information multiple times. US Bank has all of my timely correspondence documented. They make it very difficult to speak with someone, and only respond by mail letters. I have called the servicer several times, and the US Bank has received my documents. On a recorded call, the representative said the insurance docs from XXXX XXXX Homeowners insurance was acceptable. However i receive a letter dated XX/XX/XXXX they are force placing insurance, raising my monthly payment. I have never received any emails or calls from US Bank. I call them back after receiving mail. 

I have documented emails where I have sent suffeicent coverage.
Product: Credit card or prepaid card

I traveled to XXXX XXXX in XXXXXXXX XXXX  on XXXX ( XXXX ) separate occasions ( dates listed below ). I paid for the reservation with a completely different bank card, but I utilized my PNC XXXX XXXX card for the {$50.00} resort incidental charge for all XXXX ( XXXX ) separate occasions. Upon checking out each of the XXXX ( XXXX ) separate occasions, XXXX XXXX in XXXX, XXXX  released the {$50.00} incidental immediately, however the funds HAVE NEVER been returned by PNC XXXX XXXX and in fact, have recently found out that PNC XXXX XXXX added an additional 15 % charge to each of the {$50.00} incidental charges totaling each separate XXXX ( XXXX ) occasions to {$57.00}. Upon calling PNC XXXX XXXX customer service several times, I have been repeatedly told that the charges are not visible. I then call back to customer service and told that the charges are miraculously visible but in a pending state, and has that additional 15-20 % surcharge in addition to the incidental that PNC XXXX XXXX blames on the resort and or hotels. PNC XXXX XXXX has given me an expectation of XXXX hours ( XXXX  days ) for funds to be released, however its been well over the XXXX days and funds have not been returned. Ive called and called to rightfully have my money returned from PNC XXXX XXXX as they are stealing, scamming and fraudulent charging and holding customers funds. Please see XXXX XXXX dates below. 

Between XXXX XXXX XXXX Between XXXX XXXX XXXX  Between XXXX XXXX XXXX Between XXXX XXXXXXXX XXXX Between XXXX XXXX XXXX Between XXXX XXXX XXXX - - - - - - - - - - - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The same incident occurred between XXXX XXXX XXXX  XXXX XXXX XXXX, as I paid a {$50.00} incidental but PNC XXXX XXXX charging me an additional 15-20 % more than the incidental and then claiming the charges arent visible, then retracting that statement and stating that funds will be reversed in XXXX hours but never happening. 

I also have a pending transaction between XXXX XXXX XXXX with a completely separate XXXX XXXX where my total was {$130.00} for the room and with the {$50.00} incidental is {$180.00} out the door. However PNC XXXX XXXX billed me {$210.00} which is an additional {$25.00}. I am including the pending transaction as well to ensure I receive that incidental and the extra percentage PNC XXXX XXXX charges back immediately as well. 

This is corporate theft, fraud and scamming from PNC XXXX XXXX and all my money needs to be returned immediately and Im certain Im not the only person they do this to, but I refuse to be bullied, stolen from, scammed and defrauded and I will continue to file complaints and on the verge of a class action suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

All negative accounts on experian report is fraudulent with no proof of ownership.also all 17 inquiries. 
XXXX  is also exploting fraudulent accounts with no proof of ownership.also inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting discover card and acceptance now and not updating my name and current address. XXXX XXXX is also doing the same with other account that are old and incorrect personal information being reported and XXXX as is not updating fast enough and my identity was involved in the breach that they were sued for where my information was sold and given to the dark web by them. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.ACCOUNTS							****XXXX	not mine							****XXXX	not mine	XXXX XXXX XXXX			****XXXXnot mine	XXXX XXXX					****XXXXnot mine	XXXX XXXX					****XXXXnot mine	XXXX				****XXXXnot mine	XXXX XXXX XXXX					****XXXXnot mine	XXXX					****XXXXnot mine	XXXX XXXX			****XXXXnot mine	XXXX					****XXXXnot mine	XXXX XXXX	  				****XXXXnot mine	XXXX					****XXXXnot minePUBLIC FILINGS	XXXX XXXX XXXX XXXX XXXX XXXX XXXX	inaccurateCOLLECTIONS	XXXX XXXX XXXX			****XXXXnot mine	XXXX XXXX XXXX XXXX		****XXXX	not mine
Product: Mortgage

I requested mortgage relief starting on XX/XX/XXXX through loan solutions website per the directions of PHH online service for help. After not receiving a call for several weeks on status I reached out. They told me that they needed additional information in which I uploaded additional info on XXXX. Called back on XX/XX/XXXX and they said they needed additional documentation as they couldn't see anything that had been uploaded to the XXXX XXXX website even though I could clearly see my documents. They said I needed to email them so I did. 
XXXX they wanted more documents and I emailed them. 
XXXX more documents emailed. 
XX/XX/XXXX more documents emailed XXXX more documents emailed to them XX/XX/XXXX supposed to have yet another call with Relationship manager at XXXX and no call came in so I reached out and they said that they still needed another documents It is important for me to note that EACH and EVERY time I asked if this was ALL the documents they would need because I was sending the same items in over and over. I also asked if this was being reviewed by the Underwriter and if that is what he/she was requesting. I can honestly tell you that each time I talk to them they give me a different answer of what the status was is or what items are needed. I am in the XXXX XXXX and am very aware of the process and procedures and it is an absolute shame that this company is in existence. I can't even imagine what someone with no industry experience would be going through right now. I have depleted all of my savings and am pulling money from my XXXX account, etc. to make sure my mortgage stays current. What I have described above is just the beginning of my experience with PHH in trying to receive some help from being impacted by Covid. The calls above are only a few of the calls I have made. I have begun to ask if the calls are being recorded for future reference ( I tell them I want to make sure this is being documented ) and they tell me that they are. I am asking not only for my help but to help others who are in need and going through this process with a company that clearly should not be in business.
Product: Mortgage

I received a Delinquency notice letter form ocwen loan servicing dated XX/XX/XXXX regarding loan number XXXX.States that i 'm late on my mortgage payment as of XXXX/XXXX/XXXX I 'm XXXX payment delinquent on my mortgage loan my account first became delinquent on XX/XX/XXXX.failure to bring my loan current may result in fees and foreclosure -the loss of my house.the total : {$130000.00}. 
my attorney williams sent a letter to ocwen loan servicing dated XX/XX/XXXX regarding the alleged debt owed to provide verification of the debt and the name and address of the original creditor within thirty ( 30 ) days of the date of this letter .ocwen loan servicing never respond to the letter .until XX/XX/XXXX my former attorney XXXX XXXX reached out the bank 's attorney .And ocwen loan servicing said that they are willing to accept {$110000.00} for the home now .And she asked what bout XXXX and she was advised that the bank 's attorney only represents ocwen and they can not speak to behalf oh XXXX. I may contact a private lender to see if they will loan me to money, on XX/XX/XXXX I receive a Non Approval notice letter from ocwen loan servicing states that they are unable to offer a home Modification because : As of date of this letter my loan has confirmed foreclosure sale date within 7 business days.On XX/XX/XXXX I receive a confirmation of cancelled effective XX/XX/XXXX any unearned premium that may have been paid from escrow account has been refunded Please be advise that this Loan number XXXX is totally fraud and was created by ocwen loan servicing for own purposes of used .Because i never made any payments to ocwen loan servicing regarding this loan # XXXX .Ocwen loan servicing has a voice recorded stated that i paid {$5900.00} was received on XX/XX/XXXX and my next payment of $ XXXXis Due on XX/XX/XXXX .This is totally untrue .Also on XX/XX/XXXX I receive an email from my former attorney XXXX XXXX stated that lawsuit been filed by INVESTORS
Product: Credit card or prepaid card

Approximately XX/XX/XXXX 16 I spoke with a representative of Chase Business credit cards and asked if my business could not keep up with the payments would it show up on my personnel credit report? 
The representative said that it would not go on my personnel credit report but on the business as it was a business card but I would still be responsible for paying the balance. I said I under stood. and accepted the card. 

I spoke with the credit reporting group at Chase, their response was that they did not care what the representative said that they would not work with me to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$810.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Student loan

When applying for or renewing income based repayment, for the last ten years, I was always forced to use a one month forbearance first. This resulted in capitalized interest increasing my interest charges. As interest is now being paid as principal, it has also increased my tax liability. I was not able to claim the interest payments made as a tax deduction. Also, my last IBR renewal was denied by Navient while it was approved by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

More than 60 days have passed without my concerns being addressed.
Product: Mortgage

I was awarded my home in XXXX, Pennsylvania per XXXX XXXX judgement during pandemic.Under an Order Of Protection my XXXX XXXX  gave my home away in a Non Asset XXXX XXXX  Bankruptcy scheme. I thought I was in forbearance. 
The Wells FargoXXXXXXXX XXXX XXXX lawyers had him in Federal court while deliberately trying to get me to sign over said property in Civic court threatening me if I did not comply. They said the conciliation process was being scheduled and I better do what they say In XXXX XXXX they had already scheduled a XXXX meeting I was not a part of. 
I had a Conventional mortgage that had XXXX XXXX documents attached. A huge balloon loan, XXXX down fraudulent HUD paperwork with XXXX  husbands name/place of employment with my social security number. If it cant get any worse I learned my mortgage brokers were indicted in XXXX in same Federal Court that is flipping my house for Mortgage Fraud! Per FBI mortgage task force. 
My phone was hacked/SIM card stolen..XXXX Police refused to take report and did not send anything to States Attorney. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The investor and XXXX  XXXX XXXX got indicted as well. I found out the house was a Prefabricated home that had flooded previously and been moved on a lot loaded with rXXXX XXXX XXXX 
The house was bought in XXXX. The loan never closed found old XXXX XXXX. 
Because of this I lost my vehicle, memories of adult children/grandchildrenI havent any family members as XXXX on my own. I XXXX XXXX XXXX XXXX XXXX. This was the only home I ever had. 
And to discover that it was all based on lies for others to profit I havent any words.
Product: Checking or savings account

I requested My account to be closed and my customer relationship ended with capital one and they said closure check would be sent to me and my account was officially closed on the XXXX XX/XX/2024 And my closure check was issued on the XXXX of XX/XX/2024 but was never received even after 15 days. I called again on XX/XX/2024 and I was told since I never received a check case would be created to stop payment on that check and a new one will be reissued I also changed my mailing address in file to my po box of my new state of residency. I made a call on the XXXX and I was told that case has been acted upon and a new check will be issued I should check back in a few days time which I did i called capital one again on the XXXX and I was even given a timeline of when my check would be received which would be on the XXXX of XX/XX/2024. I made a call today which was on the XXXX of XX/XX/2024, that my check hasnt arrived in my box and the customer representative told me the case wasnt acted upon and no check was reissued. She would be submitting a new case today after two weeks. I can clearly see the banking institution called Capital One doesnt want to send out my closure check.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law stipulates that you must investigate withing 30days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
Item # : Reason for Correction : XXXXXXXX XXXX XXXXXXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX  This account was opened fraudulently XXXX XX/XX/XXXX According to the provisions of the Fair Credit Reporting Act 661 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit
Product: Mortgage

I received a delinquent notice from Dovenmuehle for my XXXX mortgage. I had mailed that check on XX/XX/XXXX. 

I received a mortgage statement for XXXX in the amount of {$2200.00}, which includes a late fee and XXXX and XXXX payment amounts ( despite my having mailed my XXXX check on XX/XX/XXXX. ) I have now paid that amount ( over the phone, which they have not processed, although I have a confirmation number ) and my XXXX amount, which they processed on XX/XX/20. I should be paid at this point through XXXX, but I can not get through to anyone there ( I have been on hold today for about an hour, and I sent an email. ) I am trying to understand why I needed to pay a late fee, and I am seeking confirmation from them that I am well-past caught up on what they think I owe. 

Additionally, I received a notice that my mortgage is being transferred on XX/XX/XXXX, but I received ( and paid ) the XXXX statement from Dovenmuehle, as it came from them and I got nothing from the new servicer. 

Finally, there is an error with the online portal- when trying to register, a strong password populates the SSN field, allowing no possibility to create an online account, which is preventing me from checking my balance on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit report agencies are reporting incorrect credit usage that is attributing to my lower credit score.

Credit reporting agencies are run on impersonal algorithms. There is no personal connection to the state wide infrastructure of credit reporting. Credit reports fluctuate on a daily, thus should be updated every 24 hours.

My credit usage has dropped significantly yet my score has dropped. Likewise I have had an item removed and updated- with no change.

The impact of a credit score contributes to the livelihood of families acro

ss America. My credit score should be considerably higher yet, swims in the same pool for years now.
When will the government step in and hold accountable the credit reporting agencies to honor the families across his great country that contribute to the economy.
Product: Student loan

I had two XXXX XXXX from ECSI consolidated into a single consolidated loan with XXXX on XX/XX/2022. ECSI has repeatedly told me that they have not received payment despite the fact that I have sent them multiple documents showing otherwise. They are continuing to charge me interest and late fees and refuse to cancel the loans. I have contacted them various times and get that same response that they have not been paid by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus