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

This is ridiculous! Despite the countless dispute letters and CFPB complaint I have been submitting to the Credit Reporting Agencies requesting that the immediate removal of the disputed fraudulent accounts and information from my Credit file, the Credit Bureaus have done nothing! I started disputing my Credit File for quite a long time now however the Credit Bureaus have failed to comply with my requests and the Federal regulation to remove the disputed accounts but also have failed to respond to my dispute letters. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information from my Credit File that resulted due to identity theft. The Credit Bureaus have failed to verify for themselves and have claimed that the disputed accounts are verified and accurate, however, their failure to send me copies of proof of verification or any documents bearing my signature yet still continued their reporting of the disputed accounts, is a clear violation of a consumer 's rights under the Fair Credit reporting Act. Once again, I am requesting that the Credit Bureaus remove the disputed accounts completely from my Credit File before my legal aide force me to conduct legal actions : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian. I never had to use my credit until now when I am about to utilize it to get my first mortgage. When I looked at my credit, somebody stole my identity and opened over 5 accounts on my credit. I spoke to real estate office and they said to contact you guys to get things removed. I also contacted the Federal trade commission. They advised me that you guys will block and remove the fraudulent information to protect my rights as a consumer. I hope this is true as I can't move on with my life without it.
Product: Prepaid card

Called American Express prepaid services at XXXX XXXX with multiple agents on XXXX XXXX who advised they have authorized payments at online retailers. Given 24 hour wait times to wait for authorization for prepaid card to be declined. Spoke again to another agent on XX/XX/XXXX who advised to use at yet another retailer and to no avail the card was still declined. However a pending charge of {$0.00} was charged and pending no agents can explain why the pending charge is there. Requested a supervisor and told none are available and to call back in 2 hours and then hung up on.
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : STELLANTIS Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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

two student loans are reporting under my name, please have these inaccuracies removed from my credit file, i have problem with equifax reporting two inaccurate and fraud student loans reporting under my name, i have dispute several times and so far nothing has happened, please have these inaccuracies removed, i have attached my police report to equifax as well and to you, these do not belong to me, please have these inaccuracies removed thank you
Product: Mortgage

On XX/XX/XXXX I called XXXX XXXX XXXX and asked them if they could set up an impound account for the property taxes only. I asked them to pay the delinquent taxes before the default date of XX/XX/XXXX. They sent me a proposed contract which I did not sign because it increased my monthly payment by {$1700.00}. I called XXXX XXXX County Treasurer and Tax Collector ( XXXX ) on XX/XX/XXXX and they said the 2nd installment had not been paid. I sent a check that day. I called Nationstar and told them I had not signed the impound account proposal and had paid the taxes myself. She told me that if I did not sign, then there would be no impound account. 

Apparently Nationstar did send a payment to XXXX, and it arrived before my payment. I sent a check for {$3800.00} to Nationstar on XX/XX/XXXX noting that it was for reimbursement of it 's payment to XXXX. After some delay they finally applied it as a repayment. 

The problem is they are saying that the DOT alows them to impose unilaterally, an impound account. They are mistaken. The federal law in the cited in the DOT is superseded by CA state law. That law requires 2 consecutive tax payment to be delinquent. This did not happen. 

I engaged an attorney to advise me on the law. I do not want to sue for damages, but XXXX XXXX XXXX d/b/a Mr. Cooper will not respond by phone or letter. They do continue to threaten me with foreclosure and even sent a XXXX XXXX property inspector to our door. He had been told by Mr. Cooper that the property was unoccupied. I do n't even have a XXXX XXXX loan!! 

This brings up the question of, why are they are trying to force me into an impound account. My attorney thinks it may be part of a larger plan to force other mortgages they are servicing into impound accounts. This makes sense since they are trying to collect way more funds than is necessary to pay the taxes.
Product: Debt collection

Hunter Warfield has called several times on different numbers and they never acknowledge e who they are with. I can not pay a bill if I am not sure who they are with. I do not owe this bill either. They refused to stop contacting me and they used different numbers so I am not able to block their number
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Second Dispute Identity Theft Request for Removal of Fraudulent Accounts Dear Sir or Madam : I am writing to you regarding a prior dispute I submitted as a victim of identity theft, in which I requested the removal of fraudulent accounts that are negatively affecting my credit report. Despite following the proper procedures, the following accounts remain on my credit report : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts were not opened by me, and I have no knowledge of them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the immediate removal of any information related to fraud or identity theft from my credit file. Additionally, the law requires credit reporting agencies to respond adequately and diligently to disputes. This is the second dispute I am filing on this matter without receiving a proper resolution. I have also attached a copy of the identity theft report that I filed with the relevant authorities, in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). This law penalizes the creation and use of false or fraudulent identifications, which is pertinent to this case, as my information was used without my authorization. Furthermore, I refer you to the case of " XXXX XXXX TransUnion XXXX '', XXXXXXXX XXXX XXXX XXXX XXXX where the court held that credit reporting agencies are responsible for conducting thorough investigations when receiving disputes related to errors in credit reports. The failure to adequately investigate my case may constitute a violation of the FCRA, exposing the agency to additional liability.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a PayPal credit account 2 years ago because I was offered {$10.00} off my first purchase. I thought I had paid it but was contacted a few months later saying I owed the balance plus interest. I was confused because I had never been contacted before that and had n't seen any balance owed in my paypal account. I paid the balance and asked to have my account closed because I did n't need it and did n't want it. I just received a phone call from a collection agency stating I owe over {$50.00} for an item that was charged a year ago plus interest accrued. It was my understanding I had closed this account months prior to that. I received no contact from PayPal stating I owed them anything at any point in time, nor do I remember ever making a purchase on the credit account. My account always showed a {$0.00} balance when I would log in online. Looking online I see they have gotten in trouble for doing this to many people. I have spoken to them over the phone and they are unreceptive and push me off to the collection agency, who is also unreceptive and pushes me back to PayPal, who pushes me back to the credit agency and so forth. When I referenced that I read many other people were having this problem with them as well they played dumb and denied it. Very shady. These people should not be allowed to do business. What 's more is I have a collection agency after me at a time that I am applying for a mortgage for my first house! I 'm upset that this could hurt my credit score. Please help!
Product: Credit reporting or other personal consumer reports

I received an alert that a hard pull showed up on my credit report from GS Bank and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX and I have not submitted any sort of application for any form of credit to these companies whatsoever. I called to get clarification and received the answer someone applied for something but that someone was not myself.
Product: Mortgage

I applied for PMI Reduction with New American funding. I paid {$150.00} to them for the appraisal of my property. However they denied me the PMI reduction on the grounds that the value of my priperty is {$570000.00}. I reviewed the appraisal report and found several inconsistencies and errors. Meanwhile the value of my property on the company 's own website shows {$670000.00} and on XXXX it showed {$660000.00}. I called the appraiser to inquire about the strange and out-of-the-ordinary value shown on his report. He made it clear to me that when he submitted his first report, the New American Finding representative impressed on him to make changes before he would accept the report. He was given specific property addresses to use to undervalue my property. This, I believe is fraudulent, unprofessional, unlawful and unacceptable. 

I contacted New American to provide me with the original appraisal report but they refused and indicated that they never had contact with the appraiser. They indicated that XXXX XXXX reviews the appraisals and approves them for New American. However, when I contacted XXXX XXXX on XX/XX/2022 ( XXXX XXXX. XXXX ) and they categorically denied and indicated that it is New American Finding that does the appraisal review and makes decisions on PMI.
Product: Debt collection

This number called me, claiming to be debt collectors. 
XXXX ( XXXX ) XXXX They told me I owed a debt from XXXX, past the MN statue of limitations ; but additionally it was not mine/not real. 

They had my SSN, address and claimed to have a copy of my ID. 
They were unable to tell me the details on my ID, because of a screen errror. 

I said " I've heard about scams like this ... '' The person immediately hung up.
Product: Checking or savings account

On XX/XX/year> Bank of America XXXX withdrew from my checking account the amount of XXXX ( these were funds I received from a insurance company to pay for the repair of my truck ) and without notice or without my permission. 
I contacted Bank of America accounts division and they weren't able to let me know the exact reason why my account was debited but said it was internal. I was transferred to it Recovery for forced closed accounts XXXX XXXX. I was informed that due to my daughter 's account being linked to my account when she was a minor was the reason they were able to forcibly withdraw the money from my account. Even though she was a minor when the account started she was already passed the age of XXXX when her account was forcibly closed. I let them know that she was an adult and they should have contacted her to make arrangements in response they informed me they had been taking small amounts such as XXXX dollars a month out of my savings account. I let them know that they could have made arrangements with my daughter instead of forcibly taking money out my checking account in which they had never did in the past, and the fact my daughter was already past the age of XXXX. They refused to return my money and their practices are unfair for consumers.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year>XXXX  MY ACCOUNT WITH WORTH FINANCE OF {$1400.00} PAYMENT STATUS WAS CHARGED OFF AS BAD DEBT, HOWEVER THIS IS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED A 1099 C IN ORDER TO ACCOUNT FOR THIS AS INCOME. THIS IS NOT A CHARGE OFF AND I'M REQUESTING THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I am filing 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 dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Grant Mercantile Agency for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$75.00} being that they paid pennies on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. This is also a violation of HIPAA. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. The original creditor if necessary shall also acknowledge the debt to be removed and considered paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to apply for a home loan so that I may purchase a home but when the loan officer tried pulling up my credit scores, Equifax had nothing to report. The loan officer said I may have a freeze in my account so I called to unfreeze it. I called several times and they claim they are unable to pull up my file and that I would have to send in documents to prove I am the rightful owner. I have sent those documents four times already and they are still unable to fix my account, they actually claim to have never received them.
Product: Credit reporting

I have an Initial fraud alert on my Consumer credit report. I have reports from XXXX XXXX and XXXX XXXX Fraud department saying they are removing Hard Inquires from my report. I have other hard inquires on my report I believe to be in error.
Product: Debt collection

I KEEP GETTING UNWANTED CALLS FROM THIS XXXX XXXX DESPITE THE FACT I'VE SENT THEM A C AND D LETTER BUT THEY CONTINUE TO CALL ME THIS IS DISTURBING AND I WANT THE CALLS TO STOP IMMEDIATELY. I WANT NO FURTHER COMMUNICATION FROM THIS XXXX XXXX PERIOD.
Product: Debt collection

their has been numerous attempts to have company EXETER finance to show proof of if account is mine and the balance owed first attempt was XX/XX/XXXX asking for documentation as it has been reported on my credit report 31 days later they only responded as verified but know proof as my account this has been reporting on my credit report as charge-offs making it difficult for me to obtain employment because of credit score i also sent letters to EXTER finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX but i still get same response as this is verified as your account but by law since they did not adhere to law should be delted from my credit report thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

After working with XXXX loan and XXXX XXXX, I processed a " deed in lieu '' on my mortgage and not only was it satisfied, they gave me {$10000.00} because I left the property in excellent condition. It was gone from my credit report, but suddenly re-appeared XX/XX/2019, bringing my normally stellar credit down to Good and then Poor!!! When I tried to contact them, I found out they were sold to XXXX XXXX  services. I contact them and was told, in fact, I was correct, but since they are not XXXX, they could not remove it. The best they could do was send me an email confirming that I no longer should have this info on my credit report. I will attach a document with the email contents. The contact information is XXXX XXXX XXXX in the Escalation Department toll free at ( XXXX ) XXXX or email XXXX at XXXX.
Product: Debt collection

I received a notice via mail from debt collectors HRRG to pay a debt of medical service I never had.
Product: Mortgage

Home mortgage with Wells Fargo. Mo pmt is about {$650.00}. I pay {$350.00} every two weeks through auto deductions. Problem is that WF keeps the first {$350.00} and holds it until the second {$350.00} pmt is rec 'd and then they post a pmt to my acct. Should n't I get interest for two weeks worth of {$350.00}? -OR- Should n't I get credited immediately for each {$350.00} pmt they receive? WF just tells me it 's the way they do business. -OR_ Would it make more sense to pay {$700.00} every four weeks. The goal is to pay a bit more than I owe each month and to get in an extra payment every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXt ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXXXXXX XXXX XXXXXXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, The Bureaus ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, XXXX ( XXXX ), XXXX 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. 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

Recently reviewed my reports and found some inaccuracies on them involving accounts that's not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX