23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting

This company is continuing to request payment for accounts that I do not owe on. {$36.00} from XXXX on behalf of XXXX.. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with EQUIFAX. My report with them has always been incorrect. XXXX having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
ALL references regarding this account must be deleted from ALL reporting agencies.
Product: Checking or savings account

I started a money transfer ( USA to XXXX ) with XXXX. XXXX took the amount of {$500.00} on XX/XX/XXXX, from my Bank of America checking account. XXXX had to cancel the transfer I started, and refunded the money to my bank account. 
XXXX claimed that they refunded the money to my account on XX/XX/XXXX, but until now I don't see that money in my account, I can only see the money was taken on XX/XX/XXXX with the Authorization number XXXX. 

I have called many times XXXX, and they always reply the same, that the refund was successfully done at their end. While calling to Bank of America, they told me there are no transactions on hold or rejected from XXXX. 

This is the response received from XXXX : " Since transaction was rejected transfer was cancelled on XX/XX/2021. However, our initial attempt to complete transfer failed. A second attempt to refund was done manually on XX/XX/2021 which was successfully completed on XX/XX/2021. '' Until now, I have not received the money XXXX {$500.00} XXXX in my Checking account at Bank of America after all this time. 


Transfer started date : XX/XX/2021 Transfer cancellation date : XX/XX/2021 Authorization number : XXXX Reference number : XXXX Cases opened at XXXX : XXXX, XXXX, XXXX, XXXX Refunded XXXX date : XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

They are fraudulent accounts being reported. I have submitted the theft affidavit and police report and they have failed to remove the fraudulent information which by law they are supposed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TRANSUNION ( on this day and the time you did ) reporting inaccurate information from alleged creditor name by XXXX XXXX  XXXX. The alleged creditor XXXX XXXX XXXX  is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information. 

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXXXXXX XXXX XXXX. TRANSUNION has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file. 

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

Please cease calls to my aunts number she has a medical problem and already has had an XXXX XXXX  she let me know that a XXXX was very rude to her please am aware that am late on my payment am trying my best to get back on track with the company
Product: Checking or savings account

About 4 weeks ago I received a Cash App Card in the mail. I assumed it was a scam of some sort as I hadn't heard of the company. The card has my name and address on it. I looked them up to realize they are a legit company. I attempted to contact them but there is no direct contact information on their site or via the app. It showed they are a Square Inc product so I made contact with Square and received no responses or resolution. I downloaded the Cash App to try and sign in using the information I received. The card provides a unique cash tag of $ XXXX and by inputting this to gain access to the account the app responded that in order to receive support, I had to have access to the email address associated with my account XXXX ( it doesn't display the full address ) which I have no knowledge of or access to. 
From their website it shows that my name, address and ss # are required in order to get the card I received in the mail. Clearly a fraudulent account has been opened in my name and they provide no way to get this handled.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquiries on my credit report. According to the FCRA section 605B it is illegal to report information on my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

They call me about XXXX XXXX XXXX XXXX, using different numbers. I am aware of my debt, but One Main Financial ( in XXXX XXXXXXXX XXXX  ) can't be calling me XXXX times a XXXX. That is a flagrant XXXX violation.
Product: Mortgage

Planet has repeatedly made errors In the servicing of our mortgage, putting our credit at risk. We have NEVER missed a payment or paid late. We attempted to accept forebearance due to covid, but due to Planets extreme negligence, we opted out. Planet then set up double payments in error. When I tried to have Planet stop the incorrect double payment, they said they couldnt stop their error and asked me to talk to my bank to stop the double payment Planet set up in error which I did. 
Most recently, on XX/XX/XXXX, planet reversed an entire mortgage payment and placed a cleared payment in their suspense account without my knowledge or consent. I called on XX/XX/XXXX when I noticed the error and the unknowledgable rep could not answer my questions or tell me who placed the payment in suspense causing a late payment. 
She moved the payment from suspense and told me what I owed. 
I paid using acct ending in XXXX on XX/XX/XXXX. I REPEATEDLY ASKED TELL ME WHAT WE OWE SO I CAN OAT RIGHT NOW BECAUSE YOUR ACCOUNTING IS ALWAYS WRONG. She had trouble telling me what we owe. It took a long time for her to forgive it out. Once she told me the amount, I paid over the phone. The Planet representative said No further amounts were due. The money cleared the account XX/XX/XXXX and was never returned. 
Planet then proceeded to send me a statement on XX/XX/XXXX saying I owe {$2700.00}, and another statement dated XX/XX/XXXX saying I owe {$5300.00} and change. They then sent me a letter for assistance with foreclosure or non payment, even though we did not owe anything. They cant keep track of accounting. 
Then I received a call XX/XX/XXXX saying I owe {$5300.00}. I lost it. They have no record of my XX/XX/XXXX payment which has cleared my account. They have misapplied my payment again! 
PLANETS SEVERE NEGLIGENCE IS PUTTING OUR GOOD CREDIT AT RISK.
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft and these are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHED There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself.
Product: Credit reporting or other personal consumer reports

I am writing this letter to formally request an investigation and correction of the account that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. Furthermore, I request that you verify the aforementioned account. If the information can not be substantiated as 100 % accurate, I respectfully request that you correct it from my credit report immediately. Please help me investigate this account : XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Mortgage

Dear Sir/Madam, My loan was transferred by XXXX XXXX XXXX, XXXX to Nationstar Mortgage LLC on XXXX XXXX, XXXX Since this loan was transferred, I have had several issues with Nationstar Mortgage regarding the status of the loan. This issue has not been corrected by either XXXX XXXX XXXX or Nationstar Mortgage. 
Nationstar claimed that I have not paid my XXXX XXXX mortgage, therefore, I was one month behind before the loan was transferred on XXXX XXXX, XXXX. 
All my attempts to proof to Nationstar that my payments were up to date with XXXX before the transfer was unsuccessful. Therefore, I am now been threatened by Nationstar with foreclosure. 
Since the burden of proof falls on me to show that I have paid up to date before the loan was transferred on XXXX XXXX, XXXX, I have then gathered and sent all information to Nationstar Mortgage to prove that all my payments were made to XXXX XXXX Servicing to date before the transfer of the loan. 
To date, Nationstar has not been resolve these discrepancies with XXXX, thereby charging me late fees and also threatening me with foreclosure of my home that I have owned for over 10 years. 
I have paid my mortgage on time to Nationstar since the loan was transferred by XXXX since XXXX XXXX, XXXX. I have all proof that I paid to date and no outstanding balance with XXXX before the transfer. 
I have submitted all these proofs to both mortgage companies, however, I am still receiving late payment notice from Nationstar Mortgage as of XXXX XXXX, XXXX. 
Any attempts to help resolve this situation with both mortgage companies will really be appreciated. 
If you need any further information or face to face meeting, please feel free to contact me. 
Thank you for your consideration with this situation. 
Awaiting your response to this matter very soon. 
Sincerely, Homeowner
Product: Credit reporting or other personal consumer reports

XXXX XXXX n assurance with the fair credit act XXXX  account XXXX has violated my rights. 

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

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My employer sent my pay check by way of XXXX. I take my check to the bank to deposit on XX/XX/22. They told me only {$220.00} would be available on the XXXX. On the XXXX {$450.00} would be available, and so on! They are a bank who I want to trust with my money, why wouldn't they have phoned the credit union the check was drawn on the day I brought my pay check into the bank. My husband 's bank does that! What's the problem with this bank? I thought that was weird when I walked out after depositing it, but, I figured they knew what they were doing. 
Now, Citi Bank is trying to tell me that I owe the amount of money I was paid, which was {$2800.00}. Before I paid XXXX of my debits of {$1800.00}, I phoned Citi Bank, on the XXXX of XXXX, it was around XXXX and I spoke with a man at CitiBank and asked him if everything was good on my end to make that payment, he told me everything looks good. I told him I just wanted to verify the funds are in my account. 
This is ridiculous, I am unable to pay them my pay check amount, simply because they told me the funds were good. They are playing games with me and I do not appreciate this. 
I'm losing faith in banks all together!
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I am contacting you, because it shows on my reports that there are some nonfactual negative items on my account. I contacted XXXX and they removed them right away, because they weren't supposed to be there in the first place. I am reaching out asking you to do the same. 

Negative account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Prepaid card

The Equifax Data Breach Settlement payment. Their pre-paid card doesn't work at all. Get 's declined saying " can't verified with the card issuer ''.
Product: Credit card or prepaid card

Starting XX/XX/XXXX is when I first noticed my account said delinquent. I contacted the Upgrade.com immediately to find out what the problem was since my payments are autopay on my due dates. I was told by a representative that it was a glitch in their system and it would be resolved. After XXXX phone calls and several emails it is still not resolved. My account is now stating I am 15 days delinquent for {$9.00} and no one can assist me. I even paid the {$9.00} today XX/XX/XXXX to see if that would resolve it and now it says Im past due {$7.00}. This issue has happened in the past with this company due to a glitch in their system. No one is helping me.
Product: Debt collection

Trans World Systems keeps calling me to collect a debt that I never owed. I keep asking them to stop calling and they won't. They call from XXXX.
Product: Mortgage

My home was in forbearance for XXXX XXXX during XXXX. I started receiving letters from XXXX XXXX XXXX that I needed to start back making payments after the end of forbearance XX/XX/XXXX. I was told my payment would be XXXX ( this not the exact amount because I cant remember the exact amount. ) I notified XXXX that I had divorced my husband on XX/XX/XXXX, XXXX and I had legally changed my name back to my maiden name if XXXX XXXX XXXX requested documentation of the divorce and my name change which I did. When I received my loan modification paperwork they had my then ex husbands name on the paperwork with a new payment of XXXX and some change. Each time I would receive new loan modification there was still name errors on the loan modification. This continued up until XX/XX/XXXX when my ex husband died. XXXX requested his death certificate which I provided. This loan company could NOT get this straightened out with my name change and removing him from the loan papers. I would call XXXX each month which during this time my new house payment kept changing by increasing. The last loan modification I received was XX/XX/XXXX which showed my payment to be the XXXX payment due XX/XX/XXXX which I didnt receive until the first week of XXXX. Today I became completely fed up with the underwriters handling of my loan modification so I called XXXX and spoke with a person who kept talking over me so after 20 minutes I hung up. I later called back and spoke with someone when the phone began to have so much static I could not hear anything she was saying. The next thing I know I was put on hold. After 35 minutes I hung up. I called back later and spoke with a call taker. She advised she saw that my payment is XXXX due XX/XX/XXXX. She told me she was going to put me on hold to talk to someone in loan modification when after 44 minutes I hung up. I do not think I should have to pay a higher payment due to their incompetence and the interest rate increasing. This has been a complete nightmare!
Product: Credit reporting or other personal consumer reports

I have asked TransUnion 3 separate times to conduct an investigation into several accounts on my credit report that I believe are inaccurate. Each time TransUnion sent me an automated computer generated response saying they do not believe the request was coming from me. Every time I provided Proof of ID and Proof of Address and they refused to do so. They have consistently violated my rights under the Fair Credit Reporting Act and should be held accountable for this.