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

Experian did not properly investigate this account. They are breaking the law by ignoring me. 

In accordance with the Fair Credit Reporting Act, the below account, 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. I have never had a collection issue with XXXX and they admitted it. Account in Violation of the Act and Law : XXXX XXXX ( ACCOUNT NUMBER : XXXX ) This account must be DELETED.
Product: Money transfer, virtual currency, or money service

After uploading a utility bill with my new address, they answer me by kicking me out of the account and limiting my service to XXXX XXXX XXXX. I have been with this company for 15 years and I felt to be rejected. They told me that I would not be able to have an appeal put a complaint with this agency. The appeal was definitive.
Product: Mortgage

This is a qualified written request under RESPA and an error resolution notice under 12 CFR 1024.35. Re : Garn=St. Germain Depository Institutions Act, 12 USC 1701 ( XXXX ) My father passed away XX/XX/XXXX. I inherited his home. I have been making payments on time every moth since XX/XX/XXXX. I reached out to XXXX XXXX aka XXXX XXXX and informed them in XX/XX/XXXX in writing that I'm assuming all of the obligations under, ad will be bound by the Note and security interest and will be occupying the property as my principle residence. XXXX XXXX confirmed the mortgage was assumable. I completed the Mortgage Assumption Application, provided copies of death certificate, copy of the will that's in the courts of XXXX XXXX, WA, a copy of the assignment of the deed of trust transferring ownership to my name. XXXX XXXX was set to send me the documents to be signed XX/XX/XXXX. I then received a notice that the loan was being transferred to Fay Servicing beginning XX/XX/XXXX. I have attempted to speak with someone in the Mortgage Assumption Department in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been given conflicting information regarding the mortgage assumption. The last employee I spoke with informed me that Fay Servicing doesn't do Mortgage Assumptions and refuses to help me in this stressful time and during the difficult loss of my XXXX. I need this to be resolved ASAP! I have attached all supporting documentation required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to request the deletion of fraudulent hard inquiries on my TransUnion credit report. I am a victim of identity theft, and these inquiries have been made without my knowledge or consent. The hard inquiries in question are : XXXX XXXX XXXX  XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a responsible individual, I monitor my credit report regularly and noticed these unauthorized inquiries immediately. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. These unauthorized hard inquiries not only harm my credit score but also violate my rights as a consumer.

I have taken all the necessary steps to protect myself from further identity theft, including notifying the credit bureaus of the fraudulent activity. However, I am now requesting your assistance in removing these unauthorized hard inquiries from my credit report as soon as possible.

I am deeply concerned about my credit score and the impact these fraudulent inquiries could have on my financial future. I urge you to take action promptly and ensure that these inquiries are removed from my credit report without delay. 

Thank you for your time and attention to this matter. I appreciate your help in resolving this issue. 

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

There is an collection account on my credit report that is being reported as negative, but I paid this collection agency in full. I have never open a account with them. They brought my debt from another company. I paid the collection the collection in full but it still reports as negative. This account has been inaccurate for almost 2 years now. There is now way to have a miss payment on an account that payments where never set up. This account shows paid in XX/XX/2021 but yet charged off in 2021 how is this possible. I have attached the receipt of payment from XXXX2021 Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit file and found a fraudulent hard inquiry from Capital One on XX/XX/year> on my consumer credit report. I did not apply for a capital credit card, nor did I give anyone authorization. I contacted XXXX XXXX XXXX XXXX and Capital One to resolve the issue with no success in resolving this fraudulent issue. I am requesting that the Consumer Financial Protection Bureau investigate this matter and have this hard inquiry removed from my credit file. I have placed a fraud alert on my credit file for protection. In addition, I have filed a fraud report with the Federal Trade Commission. This report is attached. Thank you for your assistance in this matter.
Product: Debt collection

Company is trying to collect amounts already paid. Called XXXX XXXX billing to ask if they can investigate what happened with this bill but they never did. The XXXX XXXX billing department was very rude and unprofessional. They had some address listed that I never know of, as well name was XXXX or similar which is not my name. 

What happened is on XX/XX/2020 my XXXX was scheduled and in order to start XXXX I had to pay full amount for XXXX since this was self pay not thru insurance. 
I visited XXXX XXXX XXXX multiple times before XXXX and he confirmed the price for XXXX, XXXX and everything which was {$11000.00}. This amount is for complete XXXX includes everything XXXX etc. 

Unfortunately the XXXX was not performed professionally and instead XXXX to XXXX minutes the XXXX took XXXX hours XXXX XXXX XXXX put ma life at risk by XXXX XXXX into my body to try to complete simple XXXX XXXX XXXX. 
I was sick for a year. 

After XXXX I went to XXXX XXXX to see what was done to my body by XXXX XXXX XXXX and why i have pain in my stomach. XXXX XXXX doctor who specializes in these XXXX was shocked that XXXX took XXXX hours to perform such XXXX, he said we performed those XXXX in XXXX to XXXX minutes smithing longer is a risk for your body. After performing few tests at XXXX XXXX the doctor concluded that XXXX XXXX did not complete the XXXX XXXX looked normal but it supposed to be stapled. 
Basically XXXX XXXX was playing with my life for XXXX hours and did not complete XXXX, which made me sick for a year. 

Please see attached proof for payment already made in full as agreed with XXXX  prior to XXXX. If anyone owns money it would be XXXX owning money to me for letting XXXX XXXX XXXX to perform a XXXX which he is not experienced.
Product: Credit reporting or other personal consumer reports

I am initiating a report to contest and look into these incorrectly listed accounts on my credit file. Per the Fair Credit Report Act, I am entitled to {$1000.00} for each error. According to FCRA 605B, we must report any erroneous accounts on a consumer 's report.
Product: Credit reporting or other personal consumer reports

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened 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 XXXXXX/XX/year>
Product: Checking or savings account

On XXXX XXXX XXXX there was a quick pay from my end to someone I do not know. As soon as I found out, I called Chase. I was asked several times if I knew how or why this would of happened. I stated no, no idea. Do I know the person? No. Like usual my money was returned to my account. I had to close my account and get a new account and everything that goes along with getting a new account and closing the old. But now today XX/XX/XXXX I log into my chase online banking and I see that my old account is negative for the amount {$800.00} that was quick paid fraudulently. I call chase and was told that the quick pay was done from a device I use to make these types of transactions so now the funds were returned to the person that essentially stole from me. This is a poor attempt to resolve an issue. I was not even given a call or questioned. My account was just deducted and now sits negative. When I connected over to the executive office, they simply stated that phones and computers should have passcodes. Therefore I am held responsible for this {$800.00} transfer. I have pass words to my computers and face recognition on my phone. Still I was told that the answer is the same. I am out on my money and a thief wins!
Product: Mortgage

a verbal loan modification trial payment plan was offered on XXXX XXXX per verbal instructions of the offer made XXXX payments to Ocwen XXXX XXXX XXXX XXXX Today ocwen advised that they offer was denied back sometime in XXXX because we never received and agreement that we were required to signed, " the trial offer letter ''. Despite the fact that their system showed " active trial plan '' they have collected XXXX and now they are saying that there is no modification offer because we fail to performed under the " trial plan agreement '' due to the document that was received on our end drink the month of XXXX. Now, they will keep the monies under " false pretenses '' they have cheated me and did not delivered as they have promised. I was told that the XXXX payment will activate the offer. I paid my debt under the verbal instructions that were given to me on XXXX. Now, my loan is past due and i am facing foreclosure action against me. All calls and representatives are located and XXXX and can not offer further help. I have requested my call to be transferred to XXXX and they have declined 3 times I made this request and they have continued to state and represent that they are a " XXXX ''. The debt is originated in this country not in XXXX. The representative continue to represent as a global mortgage service agency. Representative stated '' we are not equipped to transfer calls to representatives in XXXX '' Please help, actions were taken and payments were made on time no representative informed that they have sent a letter or that a letter needed to be signed in order for the offer to be deemed effective however they collected payments by electronic check and reassured that the trial plan was effective and eventually a final agreement will be sent to us upon completion of payments.
Product: Mortgage

I was locked in with an interest rate of 2.5 percent for a 30-year term for 45 days on XX/XX/2021. Upon receiving my closing disclosure on XX/XX/2021, my interest rate now reflects 2.875. I paid {$500.00} to lock in this rate and was at the point of closing until I was told the rate went up during the lock period and was not notified of such without acknowledging the Closing Disclosures first. This is a clear bait-and-switch scheme.
Product: Debt collection

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Mortgage

My name is XXXX XXXX XXXX. I became XXXX XXXX in XXXX 2015. I am a XXXX and could no longer work on my feet. I took a XXXX job from home and a {$100000.00} cut in pay. I notified Freedom Mortgage and asked them if I could to a deed in lieu of foreclosure. They did not even suggest any way to help me. They just kept asking for paperwork to prove I was not making the income as before. They told me there was a lien on the property, we called about it and could not locate one.  Based on the untruth that there was a lien, they denied the deed in lieu of foreclosure. They went ahead and foreclosed. The thing is, that property sat there vacant for over a YEAR. By the time the auction went through, the house was worth MORE than they sold it for! They are not there to help the veterans at all. If they would have worked with me, I could have sold that house for MORE than what was due. Now, they are sending ME bills, with added late fees every month, for attorney fees ( which they could have avoided ). I am requesting this be made right by taking the foreclosure off my credit report. Once all the information comes to light, you will see that this request is fair and reasonable. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried getting my 3 free credit reports online at annualcreditreport.com on ( PUT THE DATE YOU TRIED TO GET REPORTS ). I was denied the first time online and now the consumer reporting agencies are using stall tactics to not give me my report as I requested. EXPERIAN, XXXX, and XXXX are using stall tactics after have gave them enough information to send me my credit reports/scores. EXPERIAN, XXXX, and XXXX are requesting my social security number which is a violation of the [ 5 U.S.C. 552a note ] ( a ) ( 1 ) in the PRIVACY ACT of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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: Debt collection

IC Systems is trying to collect {$710.00} and has put a collection on my credit report. The collection was placed on XX/XX/2021 and an XXXX XXXX as the original creditor. I have never had any interaction with XXXX XXXX and never heard of them prior to the collection from IC Systems. I have reached out to XXXX and had no response to show what the debt is, when or where it originated or what the service even was. Letters have been sent to both XXXX XXXX and IC Systems with XXXX response.
Product: Vehicle loan or lease

Vehicle 1- Agreement XXXX lease expires XX/XX/XXXX 1 ) Age Discrimination : grant then deny purchase, continued unreasonable inquiry, refusal to accept proof of income ( social security and survivors benefits, pension. ) refusal to allow online reapplication to purchase 2 ) Unable to contact : Unable To Get return email or calls in 3 weeks time and on hold for two hours Regarding any extension or purchase issues /inability to acknowledge deceased co-applicant after providing death certificate 3 ) usurious mileage penalties Vehicle 2 - Agreement XXXX Destroyed in accident XXXX 1 ) refusal to remove remove from my credit report 2 ) refusal to reimburse me for registration fees because they refused to hand in the license plates, and Im still registered with this vehicle with the state of New Jersey and failure to acknowledge any certified letters that were sent regarding this matter
Product: Credit card or prepaid card

XX/XX/2019 {$82.00} XXXX XXXX XXXX company catalog company stated balance due. on XX/XX/2019 I rec 'd letter stating good news..there is a XXXX  balance on your acct. fast forward XX/XX/2019 I made an order in total of XXXX.. all items I purchased went thru credit card OWNED by XXXX  XXXX XXXX/ XXXX XXXX, per their recommendation. All items were returned with tracking and signature confirmation to the company,, due to poor quality and incorrect sizes. between XX/XX/XXXX-XX/XX/XXXX..No credit issued for my returns. Was promised at that time that supr " XXXX '' would call within 24-48 hrs to resolve situation. he never called.. I have no  merchandise. This company has harrassed me for over 10 months and has affected my health and affected my credit score. still sending me bills latest total is over {$350.00} ... ALSO STATING ANOTHER COMPANY IS now GOING TO COLLECT. I am in dire need of your help please. I tried to settle this on my own and as you can see I got nowhere. This company is fraudulent and harrasses people. I have proof of all my intentions to settle this if you need copies. I want my personal credit score fixed please. I also want peace of mind.. thank you
Product: Money transfer, virtual currency, or money service

I lost about {$800.00} dollars from cashapp. I trusted this website to make and keep family and friends payment secure and safe but they decided to close my account and take all my money in it rather than contacting me about the issue and trying to get it resolved.
Product: Student loan

I was double charged for the amount of {$1000.00} and now my account is in negative balance. I contacted EdFinacial on XX/XX/2023 and they said they would refund me and it has been almost 3 weeks. I asked them again on XX/XX/2023 what is going on and they will provide no update on the status of the refund. 

As seen below, my total original principal for both loans is {$1000.00}. I was double charged for the amount of {$1000.00} on XX/XX/2023 after making a one time payment to pay off the balance. 

Based on the negative balance, I am actually owed {$1100.00} but i feel the double charge needs to be handled most promptly. 

I filed a dispute with XXXX  XXXX XXXX on XX/XX/2023 as well due to how slowly this is being handled. 

Unpaid Principal - {$1000.00} Unpaid Interest {$0.00} Current Balance - {$1000.00} Interest Rate 4.990 % Original Principal {$930.00} Unpaid Principal - {$120.00} Unpaid Interest {$0.00} Current Balance - {$120.00} Interest Rate 4.990 % Original Principal {$100.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Violations of FCRA : Right to Privacy ( 15 U.S.C. 1681a ) : I am concerned that my personal credit information has been mishandled by these entities. Specifically, I believe there has been unauthorized disclosure or mishandling of my credit data, which breaches my right to privacy as protected under the FCRA. The act mandates that credit information be handled securely and only disclosed under permissible circumstances.

Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : I have discovered that these entities may have reported my credit information without obtaining written consent from me, as required by this section of the FCRA. This is a clear violation of my rights, and I request that an immediate investigation be conducted to determine the extent of these unauthorized disclosures.

I request that you provide a detailed explanation of how my credit information has been used, disclosed, or reported, including the parties involved and the basis for any actions taken without my written consent. Furthermore, I ask that any inaccuracies or unauthorized disclosures be promptly corrected, and that you confirm to me in writing that these violations have been addressed. Please also ensure that any negative information resulting from these violations is removed from my credit reports immediately.

I trust that you will treat this matter with the seriousness it deserves and will take swift action to resolve these issues in compliance with the FCRA. Please respond within 30 days of receipt of this letter to confirm the steps taken. 

Thank you for your prompt attention to this important matter. 

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

In accordance to the credit reporting act, this creditor has violated my rights under 15 U.S. C. 1681 section 602 states I have the right to privacy15 U.S. C. 1681 section 604A section 2 it also states consumer reporting agency can not furnish an account without my written instruction under 15 U.S C. 1666B a creditor may not receive a payment on a credit card account under an open end consumer credit card as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, Experian and XXXX I informed them that their were inquiries on my consumer report that was unauthorized and that I do not recognize. I demanded that they remove these inquiries off my consumer report as I never gave them permission to report anything inaccurate and negatively on me. Pursuant to federal law Title 15 USC 1679c - Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or XXXX XXXX XXXX has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for XXXX  years. This information is inaccurate, alleged, and defamation of character.
Product: Debt collection

On or around XX/XX/XXXX of 2022 I've noticed an account being reported on my credit report as a collection item Under the name : portfolio recovery and associates This account has been reported illegally to the three major credit reporting agencies including XXXX XXXX and XXXX. 


Portfolio recovery and associates debt collection agency original creditor XXXX  Bank has violated federal law by reporting this account without five business days notice as required by federal law.