23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently learned an account with FNBP without my knowledge. I spoke to the fraud department and they told me that if I paid the account off that it would be removed from my XXXX report. I then received a letter from them stating the same. I called the collection agency and paid the amount due, but my XXXX  report was updated by FNBP as paid/closed and not removed as they stated. 

Full Name : XXXX XXXX SSN : XXXX DOB : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters since XX/XX/XXXX certified mail to Experian to dispute the wrong reporting of a an account on my credit report. 

I filed a CFPB complaint on XX/XX/XXXX as well and they commented on the CFPB complaint they will submit within 30 days investigation and result to my complaint, we are XX/XX/XXXX and i haven't received anything nor see any update and removal of the account on my report. 
I am therefore requesting IMMEDIATE REMOVAL as they violate my consumer rights! its affecting my credit worthiness I work very hard to keep at excellent level! it is affecting me greatly. 

I am attaching again all the proof that all other reporting agencies have found the reporting inaccurate and removed it properly from my report. see all the proofs
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX I, XXXX XXXX XXXX XXXX am submitting this complaint to request that the XXXX credit reporting agency block information appearing on my consumer credit report that is a result of identity theft and fraud. I request this action be taken within four business days of receiving this complaint. 

The fraudulent accounts, including KIKOFF Lending LLC ( {$320.00} ) and XXXX XXXX have led to several unauthorized hard inquiries and collections reflected on my consumer credit report. I do not recognize these accounts or inquiries as they were not opened, made, or initiated by me. They are solely the result of identity theft and fraud. 

I have attached a list of the fraudulent hard inquiries and a copy of my consumer XXXX credit report, which illustrates the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint as proof that these accounts are fraudulent.
Product: Credit card

I purchased XXXX appliances from the Home Depot in XXXX 2015. I used my Home Depot credit card to make the purchase. I 've had numerous problems with the refrigerator that was part of the purchase. Due to the manufacturers inability to fix or replace the refrigerator I was left with no recourse but to dispute the charge to my credit card. I disputed the charge in early XXXX and was told by Home Depot Credit Services that the issue with the refrigerator would be resolved in six weeks or the original purchase amount of the refrigerator would be credited to my account. The six week time period has passed. My refrigerator has not been repaired and I have not received the credit to my account as I was advised by representatives at Home Depot Credit Services. I am now being told that an additional extension has been given to allow for the repair of the refrigerator. I find this unacceptable as this has been an ongoing issue since last XXXX when I first reported the malfunctioning refrigerator.
Product: Mortgage

I have been divorced from my ex-wife for over 6 years. Home was in foreclosure at the time and I had ex-wife sign quit claim deed so I could pursue saving the home. XXXX XXXX did a HAMP modification, reducing interest rate and extending terms. I had to payoff a defaulted second mortgage in order to qualify, XXXX agreed to accept 1/2 to defaulted judgement amount. After a year of on time payments, I applied with XXXX XXXX to assume the mortgage from my ex-wife. After several attempts, I was finally told about there being a problem with the paid off defaulted 2nd mortgage and that the seasoning requirements for the forgiven debt was 4 years. I filed complaints with XXXX XXXX 's Executive Resolution department and before I received a reply from them, I received a Notice that my mortgage was transferring ownership to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would be serviced by Specialized Loan Servicing ( Part of the XXXX XXXX ). I have spoke to S.L.S. many times looking for a solution and was told I could do a simple assumption by two different representatives and submitted Request to have ex-wife removed, included Quit Claim Deed and Divorce Decree. They have now told me that their company does not do assumptions. My ex-wife has filed contempt of court charges because I can't get her name off the loan and I am facing 120 days in jail if I can't get her name removed.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit reports and found identy theft. I found numerous accounts that we not opened by me. 
This has resulted in me not beeing able to get a home loan. 
Please remove the fradulent accounts as soon as possible. not only are the unlawful, I have But I have never signed a contract with them. Thanks In Advance
Product: Mortgage

Our new mortgage company, Freedom Mortgage Corporation, took over our mortgage from the previous lender, XXXX, on XX/XX/year>. Since our old condo insurance expired on XX/XX/year>, we purchased a new policy in XXXX and had our insurance agency notify the mortgage company of the change. 

Although my agency reported the new policy in XXXX, which offers the same coverage, Freedom Mortgage purchased a separate condo insurance policy for our property without informing us. We never received any notice about their purchase, nor did they obtain our permission. 

We attempted to cancel their force-placed insurance, but they informed us that we could not cancel it because our loan is FHA. However, our loan has been FHA from the beginning, and we had private condo insurance last year. Despite this, the new mortgage company purchased their own insurance policy without notifying us or getting our consent. They are now refusing to cancel their policy, even though we had our new insurance in place before they made their purchase. 

They would not allow us to cancel the force-placed insurance, citing that our loan is FHA. This reasoning is confusing because our loan has been FHA from the start, and last year our insurance was with XXXX XXXX XXXX. I dont believe there is any law that allows them to impose their own insurance on us, so it seems they may have intentionally misled us to force us into their coverage. 

Additionally, Freedom Mortgage Corporation does not provide borrowers with a channel to update or report their new insurance coverage. 

Attached is a copy of the notice from Freedom Mortgage Corporation, showing that they purchased a condo insurance policy for our property on XX/XX/XXXX without prior notice or our permission. Also attached is the document for our private condo insurance, purchased in XXXX before the force-placed policy, demonstrating that we had our own coverage in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened XXXX XXXX on XX/XX/XXXX with a balance of {$760.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My credit was illegally pulled from multiple banks and financial companies without my knowledge or consent on XX/XX/year> over 7 times and other dates as well. I filed disputes through all 3 credit bureaus ( Equifax, XXXX XXXX and XXXX ) with supported evidence attached by file to each one. No actions have been taken by any of the 3 credit bureaus and still waiting for response or positive reflection on my credit from these inquiries. Please truly help and will be looking out for a response.
Product: Checking or savings account

I have contacted Welfargo about a charge made on my account they decided to close the claim and thats not fair and I need to escalate the claim they dont want to i can loose all those money and the bank told me me the transaction was authorized by me over XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2021 a collection from credit collection service was reported to my XXXX credit and I believe it is a fraudulent account after man attempts to get it remove XXXX still hasnt removed it claiming it has been verified but I dont believe it has can you please look into it
Product: Credit reporting, credit repair services, or other personal consumer reports

after sending 3 letters without getting a responce i am reaching out via cfpb claim I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thank you in advance.
Product: Credit reporting or other personal consumer reports

An account was placed on my credit report by Discover. It caused me a financial distress as I was attempting to secure financing on XX/XX/2024 thats when I was informed of the debt. 
XXXX  XXXX I filed my complaint with CFPB and I requested that the file be removed from report upon findings. 
XXXX XXXX the creditor response was they could not locate an account for me. 
According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Discover is violating my federal rights.

I did not receive proper notification of this debt. I did not have an opportunity to dispute the debt before it was placed on my credit report. 
Discover could not furnish a copy of the certified mail with my signature stating I received mail as requested. I want this account removed.
Product: Mortgage

Around XXXX of XXXX due to Covid-19, my travel business was affected. I called my servicer XXXX XXXX XXXX to request assistance. They provided a forbearance option and told me that after the forbearance period ends I would have the option to resume payment based on the information provided by the servicer. XXXX of XXXX I requested to resume payments with XXXX XXXX XXXX and they told me they transferred the loan to Fay Servicing. There was a waiting period due to transfer and I resubmitted the application for loan payment deferment and resume the monthly payments but they are saying that I should deed the property back to them. 

As Per the Care Act passed by Congress in XXXX of XXXX as a Covid relief package if a Borrower is experiencing financial hardship due to the coronavirus pandemic, the homeowner has the right to request forbearance for up to one hundred eighty days. The Borrower has the right to request for an extension for up to an additional one hundred eighty days, there will not be any additional fees, penalties, or interest added to the loan regular interest will still accrue. Other than telling the servicer that the borrower has a pandemic-related financial hardship, the borrower will not need to submit additional documentation to qualify for up to 12 months of forbearance. Upon completion of 12 months, the borrower can request to resume payment and the balance owed on the forbearance will be deferred towards the back of the loan. The monthly payment and interest will remain the same. 

Therefore I am requesting CFPB to intervene in this matter and provide a resolution based on the Cares Act of XXXX. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
XX/XX/XXXX # XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00}XX/XX/XXXX# XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today, on XX/XX/year>, my TransUnion online account was temporarily suspended, and I have been unable to regain access. This issue has severely impacted my ability to monitor my credit activity, review reports, and dispute any inaccurate information, which is a right protected under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers are entitled to access their credit information and dispute inaccuracies. XXXX actions are preventing me from exercising my rights under Section 609 of the FCRA ( right to access credit reports ) and Section 611 ( right to dispute incorrect information ). I have provided all necessary documents for verification, including my drivers license, Social Security number, and a recent utility bill which are attached to this complaint. 

I am requesting immediate restoration of my online access so I can fulfill my legal rights to monitor and dispute information on my credit report. Failure to resolve this promptly may result in further violations of my rights under federal law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I sent {$440.00} through PayPal to a friend and she never received it. I first thought that she didnt have PayPal but had Venmo but the PayPal agent said she did have an account and that she could see the transaction. We checked my friends PayPal account and there were no transactions listed. My bank did show the transfer out of my account on XX/XX/year>.
Product: Debt collection

Consumer portfolio control company, threatened wage garnishment, lawsuit and arrest if i do not pay them on an account no longer on the credit report. this company calls me everyday from XXXX this is a XXXX California number and said If I pay the debt they bought they would quit calling Stop these people dead in their tracks they use terrible tactics
Product: Credit reporting or other personal consumer reports

I called EXPERIAN and I told them that my correct address wasn't showing on my credit report file. They claimed they have it on file.
Product: Credit card or prepaid card

In XX/XX/XXXX my Best Buy credit card was charged a XXXX fee. When I got the statement in XX/XX/XXXX I immediately disputed this charge. My credit limit was 6,000 and I did not owe a balance and had not used the card in over 13 months. 

Three months later Im sent a letter stating that the dispute department deemed this charge to be mine. When I called I asked for a receipt with my signature for them to produce and once they do I will happily pay the XXXX charge. To date they have never produced such a document, I then called the credit card customer service number and the representative indicated that I call the merchant directly. I called the merchant and they provided my credit card a pro-rata refund of XXXX dollars. I then notified Citi XX/XX/XXXX that the XXXX charge was fraudulent and they needed to either dispute it with the merchant or again send me a receipt with my signature on it. I heard nothing until I came today ( XX/XX/XXXX ) and they sent me a letter stating they reduced my credit limit from XXXX to XXXX dollars and the second letter was a statement saying I owed XXXX as they charged me a late fee and interest when I never got a billing statement in XX/XX/XXXX or a receipt with my signature on it. 

I called them today and spent 3 hours on the phone filing yet another dispute that I filed for a second time on XX/XX/XXXX and refused to waive the late fees and interest as well as reinstate my credit limit of {$6000.00}. They also reported me 1 time 30 day late with the 3 credit bureaus ( which I filed disputes with them too ). I yet again advised that if they provide me a receipt with my signature on it for the original XXXX dollar purchase I would happily pay them. The supervisor advised that she had to reopen my dispute from XX/XX/XXXX. 

Its perplexing to me that I had to fix the initial fraudulent charge and Citi can not honor their fiduciary responsibilities by protecting me from fraudulent charges to which I never made and they can not produce a receipt with my signature to prove their claim that I made this initial transaction on a card I had no balance on and paid off each month ( the last time I used I bought 900 dollars of stuff ). They also tell me they can not fix my credit balance and that I would need to reapply with them for credit to get my prior credit limit and then to threaten me with collections if I did not pay the late fees and interest on a charge I never made and had to fix as they did nothing.
Product: Debt collection

In XXXX, I contacted ProCollect collection agency to validate a debt because I wasnt sure why the amount owed was so high. The company never responded to my letters. I decided to focus on other areas of my credit, but when I circled back, I tried to settle for a lower amount. Still, they never replied to my letters. So, I reached out to the company through chat and was told that I needed to pay in full {$11000.00}, which I did not have. I wanted to make payments, but the representative kept insisting on the full payment. At that time, I decided to put that on hold. 

Fast forward to this year, I tried to settle this for good. When I called, I was told that XXXX was the person handling my account. I was then given an email to send a message. After I sent my message, I didnt receive a response. So, I finally got in touch with him and all he stated was {$11000.00} to be paid in full. I asked about making payments, and I was told no. However, a follow-up email stated that I can make payments but only 3 payments, which I misread. I asked him how I can make the payments, but he never responded. This caused me to go back to our emails, and I saw it stated that I can only make 3 payments, which I also can not afford. So, I told him I can make {$200.00} payments starting next month by money order. I received an email stating denied. I was confused and shocked, so I asked for clarification. I asked if he would only allow me to make those 3 payments, which is unaffordable for me, but not the affordable payments that I can make. He stated correct. I then asked for a refusal and denial reason twice, and he did not respond to that part of my email. 

Im a mother of XXXX, and I understand that I owe a debt. Im trying to pay said debt, and this collection manager is just very unprofessional. There are many complaints about him through searches I have found. I want to pay the debt, but he went from saying I can not make payments to yes, I can, but it has to be 3 payments of {$4000.00}. I'm so frustrated, and he will not provide me with a reason why hes denying it.
Product: Credit card or prepaid card

Good Afternoon, I applied to GRANT myself credit with a Capital One credit card and got denied due to insufficient income. I have the right of GRANTING myself credit from my own Credit line no matter what, so I am confused why they felt they had the authority to deny what i authorized to be granted pursuant to 15 USC 1602 ( a ) ( f ) ( g ) I am the original creditor and who I give the right to extend my credit can not deny me because they do not want to pay the taxes. As the natural person I can grant credit at any given time. It is UNLIMITED CREDIT for a reason.