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

Re : Dispute of Unauthorized Credit Inquiries- Violations of Fair Credit Reporting Act ( FCRA ) I am writing because XXXX, Experian, and XXXX did not remove unauthorized inquiries from my credit report, after I told them I did not give permission for my credit to be ran. I am requesting that these be deleted from my credit report immediately. 

These inquiries were made without proper authorization and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these inquiries were conducted without my consent, and I have not initiated any business or financial relationship with these companies to warrant such inquiries. 

These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my Transunion credit report, is the result of that XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion Customer Service, I am writing to urgently request the removal of several unauthorized credit inquiries from my TransUnion credit report. Upon reviewing my report, I discovered multiple inquiries that I did not authorize or expect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is essential to note that my TransUnion credit report has an access alert, indicating that lenders are required to contact me for permission before accessing my credit report. However, none of the aforementioned companies reached out to me for authorization prior to making these inquiries. 

This situation is deeply concerning as it not only violates the terms of the access alert but also poses potential risks to my credit score and financial security. Given that I did not apply for credit or authorize any of these inquiries, they are inaccurate and unjustifiable. 

I urge you to promptly investigate these unauthorized inquiries and take immediate action to remove them from my TransUnion credit report. Additionally, I request that you provide me with a written confirmation once the inquiries have been successfully removed. 

Furthermore, I seek clarification on the effectiveness of the access alert system and how it failed to prevent unauthorized access to my credit report in this instance. I would appreciate any insights or guidance you can offer to ensure the protection of my credit information moving forward. 

Thank you for your urgent attention to this matter. I eagerly await your swift resolution and response. 

Sincerely, XXXX XXXX
Product: Mortgage

I called Round Point Mortgage for the followup of the Complaint with CFPB Complaint XXXX. The guy named XXXX XXXX me and told me that they going to issue the check dated on ( XX/XX/XXXX ). He has given me the XXXX number ( XXXX ) and promised me that I will receive the Check by XX/XX/XXXX. When I called the customer service to inquire about the Check, They told me that it was generated and was not dispatched. I sent so many emails and I haven't heard anything back from him. 
Looks like he is lying to me. I wasted long hours to resolve the issue but it didn't happen so far. This my third complaint on the same issue and the issue hasn't Resolved. 

1st CFPB Complaint number:XXXX-XXXX  2nd CFPB Complaint number : XXXX-XXXX
Product: Bank account or service

I bank with Capital One 360. I reported bank fraud XX/XX/XXXX for something that happened XX/XX/XXXX It was still pending and the bank said they could not do anything until it went through. On the next day I did the dispute. They will not refund the money until after the investigation and they get more information proving that I did not authorize the transaction. It could take some 90 days. I have to provide proof of fraud. I do not understand how a bank that is FDIC insured is making we wait to receive my money back. The day I reported the fraud should have counted as day one no matter what. Banks refund customers and not wait until a full investigation that could take 90 days to complete and 2 days to tell you they are investigating.
Product: Mortgage

I was on pandemic mortgage forbearance and my forbearance was originally ending at end of XX/XX/2020. Their app asked me to respond as to my status/ability to begin my mortgage payments again after forbearance ends. I said yes but then the app automatically and immediately took me off forbearance, asking me to begin repayment on XXXX XXXX, 2020. I asked Mr Cooper to fix this so I can begin repayment in XX/XX/XXXX and told them I wanted to move the payments I missed during forbearance to the end of the loan term. THREE TIMES they botched the request and then finally told me I was denied for no reason at all other than they couldnt do it. So then I tried to apply for loan modification where we move the payments I missed during forbearance to be due at the end of loan term. 

Again, without notifying me, mr cooper cancelled my application. Ive spoken with escalations numerous times and they have XXXX sensible explanation for these haphazard rejections. This time theyre telling me my application was cancelled because they provided me with a better refinance type of offer. How is this legal? During start of pandemic their app clearly stated that we had three options - pay the missed payments immediately at end of forbearance - move missed forbearance payments to end of loan term so it extends the long term - make all forbearance payments due at the end of existing loan term. 

How am I going to resolve this if they continue to randomly cancel and reject terms????? Ive been sent in circles and now harassed by Mr Cooper debt collections 6-7 times per day via endless phone calls and texts. I WANT to pay my mortgage but they wont let me!
Product: Debt collection

This is about unfair and unjust and BAD Business practices on me! 
I was paying XXXX XXXX card and I thought everything was fine. I was sending the payments early and they were saying they were late. I got my bank statements to verify the money coming out I've been very ill so I haven't finished yet. The whole point is really on the fact that XXXX XXXX did not call me and they did not send me any information in the mail that there was a problem with the account! 
When I tried to call XXXX XXXX it just gave me a phone number of debt collector who has been in contact with me they're called resurgent. I can't believe that the automatically send you to the collection and you can't talk to anybody because it hangs up after they give the phone number the collection company. I'm really upset about this it's really affecting me and I'm in a care center about to have XXXX surgeries. If I made a mistake then I apologize and I will pay the money if I have to. This resurgent debt collector is ruining my XXXX XXXX every time I turn around they're DOCKING ME more negative results on the credit bureaus for this collection! Why would I pay all of my other credit cards on time and then turn around and NOT PAY this one? I even have another Credit XXXX card ( XXXX ) and I have never been late on this card! This whole thing should have been handled properly with me and professionally. Shame on XXXX  XXXX! 
I want all the proof that I owe this debt of {$460.00}. I know I had some balance but I don't remember the exact amount. My information was compromised on the dark web before and and also the day before this collection hit my credit reports! I think it was that company resurgent that went on the dark web the XXXX XXXX to dig up everything on me! They had my previous names addresses phone numbers and social security number it was all compromised! I don't know what else to say right now I'm very exhausted mentally emotionally physically and like I said I'm in a care center. Thank you!
Product: Mortgage

I contacted US Bank Home Mortgage Department on XX/XX/year> to discuss why my escrow account is always in the negative, which I already know why, because XXXX XXXX is over-charging XXXX {$3000.00} for the homeowners insurance on a XXXX sq ft flooded XXXX XXXX. They're in cahoots with US Bank. As long as they over charge us for the homeowners insurance that allows both US BANK to profit as well by constantly raising the mortgage on a HUD FHA loan. My mortgage started out being {$390.00} a month. Then it went down to {$370.00} a month. Now US BANK trying to make us pay over {$670.00}, because they're stealing my husband 's retirement payments out of our checking account & the XXXX XXXX caught them on XX/XX/year> trying to steal his XXXX XXXX XXXX XXXX. The XXXX told me to turn them in then. US Bank hurried & threw the payment into pending to cover their actions. If US BANK can't get their palms greased one way they're going to find a way to scam us. Now my escrow account is in the negative by {$150.00}. I went from paying {$520.00} to over {$670.00}. Unless we pay the shortage by a certain date to lower the payment to {$570.00}. US BANK think I don't know how to calculate my escrow account. They've been stealing for years using the insurance companies to do it. This is exactly why they staged that car accident last year to cover their actions. When I find cheaper insurance US BANK denies it after telling us to cancel to try & cover their asses.You know why? They want to keep our escrow account in the negative like I told the federal reserves. I am attaching both phone conversations from XX/XX/year> when I called US BANK XXXX XXXX XXXX requesting to cancel that high XXXX insurance policy. When I tell you to do something you don't wait until you have the opportunity to cover your lies. I understand I don't want to have a lapse in coverage, but I have already forwarded US BANK the new policy quote which is more than enough coverage, because progressive mirrored my current policy so they can't lie this time & say it's not enough coverage. XXXX mirrored my current policy for half the price. I am attaching all of my insurance policies & demanding my got XXXX money back, because I have never filed a claim with XXXX. I shouldn't have to keep calling back when I asked you do something the first got XXXX time. Not to mention US BANK just waiting to process that weak XXXX {$150.00} on XX/XX/year> with their real thirsty XXXX before they approve my new policy. Like I told the rep on XX/XX/year> pretty soon you won't have to worry about collecting a got XXXX dime. US Bank going right with the insurance company fraud XXXX after tearing up my got XXXX car over this piece of XXXX XXXX. Pretty soon you won't have to worry about XXXX people showing up at your fraud XXXX brick & motor.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need
Product: Credit card or prepaid card

I HAVE BEEN A BANK OF AMERICA CUSTOMER FOR OVER 30 YEARS. NOW I AM OVER XXXX, ABOUT 10 DAYS AGO I FELL DOWN AND SUFFERED A XXXX XXXX ON MY XXXX XXXX. SO NOW I ONLY CAN USE MY RIGHT HAND TO TYPE IN UPPER CASE. SORRY FOR THE INCONVENIENCE. 

ON XX/XX/XXXX, BANK OF AMERICA NOTIFIED ME THAT " XXXX XXXX XXXX XXXX  '' CHARGED ME {$100.00}. 

ON XX/XX/XXXX I FOUND OUT AND DISPUTED THE {$100.00} CHARGE. BANK OF AMERICA REFUNDED ME {$100.00} ON XX/XX/XXXX. I STOPPED USING THE CARD IMMEDIATELY. IN MIDDLE OF XXXX I STARTED TO USE BANK OF AMERICA CARD AFTER THE BANK SENT ME A NEW REPLACEMENT CARD. 

ON XXXX XXXX, XXXX BANK OF AMERICA CHARGED ME {$100.00}, REASON : FRAUD DISPUTE. 
I WENT TO THE BANK AND TALKED WITH THE VISA DEPARTMENT ASKING FOR THE MISSING EVIDENCE FOR THE EVIDENCE OF PURCHASING AND WAITED FOR FURTHER RESPONSE FROM THE BANK. 

ON XXXX XXXX AND XXXX XXXX, XXXX BANK OF AMERICA CLAIMED UNABLE TO APPROVE MY FRAUD CLAIM, BUT ALSO REFUSED TO GIVE ME ANY EVIDENCE OF PROOF OF PURCHASING OR SERVICE. BANK OF AMERICA THREATENED ME TO RUIN MY CREDIT BY NOTIFYING ALL CREDIT COMPANIES FOR MY REQUESTING PROOF OF EVIDENCE OF PURCHASE OR SERVICE. 
PLEASE SEE ATTACHMENT OF THE LETTER FROM BANK OF AMERICA.

I REQUEST THE BUREAU TO HELP ME GET THE PURCHASING EVIDENCE, 1. WHAT DID I BUY?

2. WHEN AND WHERE WAS THE MERCHANDISE SENT?

3. WITHOUT THE PROOF OR EVIDENCE OF PURCHASE I REFUSE TO PAY.

4. ALSO PLEASE GIVE A FAIR JUDGEMENT : WHAT DID I DO WRONG ASKING BANK OF AMERICA TO PROVIDE ME PROOF OF PURCHASE AND CAUSING THE BANK TO UNLEASH SUCH UNFAIR TREATMENT AND TO THREATEN ME LIKE THIS.

5. WHAT PUNISHMENT THE VISA DEPARTMENT SHOULD GET FOR GIVING SUCH A HORRIBLE TREATMENT TO A LONG TERM CUSTOMER?

6.PLEASE ALSO INSTRUCT BANK OF AMERICA TO WITHDRAW AND CANCEL SENDING ANY SUCH WRONG INFORMATION ABOUT ME TO ALL CREDIT COMPANIES IMMEDIATELY.

THANK YOU!
Product: Credit reporting or other personal consumer reports

I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX XXXX Delete this account because each bureau reports a different date last paid : Experian shows XX/XX/XXXX, XXXX shows no date and, XXXX shows XX/XX/XXXX, how can this be accurate?, remove due to inaccuracy - I never paid late in XXXX or XXXX of XXXX, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.
Product: Vehicle loan or lease

I leased a new ( XX/XX/XXXX ) XXXX XXXX XXXX in XX/XX/XXXX. At the time of the lease contract, I purchased an extended maintenance plan for 36 mos/36,000 miles at a cost of {$490.00}. I had been bringing my car to the same dealership for all maintenance ( which was, essentially, just standard items like oil changes and tire rotation ) for the past two years, without issue. I was informed in XX/XX/XXXX that the original dealership was no longer an authorized GMC dealer and that they had closed permanently ( no explanation why ) and that I should move my account to the next closest dealer. When I went for my regularly scheduled maintenance visit, I learned that the new GMC dealer I'd been assigned ( XXXX XXXX XXXX in XXXX XXXX, CA ) has no record of this maintenance agreement, despite my showing them a copy of the lease contract where it clearly states I'd paid for it and how many months/miles it covered. The contract says the maintenance agreement was with XXXX XXXX XXXX ( XXXX also happens to be the name of the financial institution that holds my lease - but they also offer extended warranties and maintenance plans ). I reached out to XXXX, and they have NO RECORD of my having a maintenance plan. Which leads me to believe the most likely scenario that the XXXX XXXX XXXX XXXX dealer pocketed my {$490.00} and never actually bought me the maintenance contract. This fraud may have something to do with why the dealership closed, I have no idea. But I know that I want to get what I paid for, or get my $ refunded since I should have until XX/XX/XXXX or XXXX miles, whichever comes first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXOpened a dispute with First Advantage stating they were supplying my employer with inaccurate information that they claimed they got from the DMV. I submitted a certified copy of my drivers record showing that I had no violations on it to First Advantage as part of the dispute process.

After several phone calls I was told the information they are reporting is correct. It isn't however as I have proof from the DMV and the court that the information is not accurate.

My employer requested an update report 2 more times after I opened my dispute and they are still sending my employer inaccurate information. This has cost me the position I applied for due to the reporting of inaccurate information.
Product: Debt collection

The collection company tired to add a debt on my report XX/XX/2018 I sent in writing a dispute never received anything. Last month the same collection agency placed a another debt on my report with out sending me any information or notify me to collect the debt. When I called the collection agency he tried to say I still owe him for the first account I disputed which he failed to send any proof of the collections. I feel I am being targeted by this collections company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing this account on my credit report on XX/XX/2021. Experian has yet to respond to my dispute about it, so I sent another one on XX/XX/2021 and again today, XX/XX/2021. The fact that they're not even acknowledging the dispute is beyond unprofessional to a client.
Product: Debt collection

A phone number with a California area code called me on XX/XX/XXXX in the morning, he said he was a debt collector and the call is being recorded, he asked for my name. He continued to say i owe recent towing charges on a car i sold in XXXX ( 4 years ago ). He said its XXXX $ for a towing company, i told him i sold it legally and i have a signed bill of sale with signatures and dates. He said its because i did not have a smog certificate when i sold it, i told him it was smogged and had certs the year i sold it in XXXX. He was very aggressive and said 3 times in a row " you dont care about your credit? '' these were real red flags. i told him i will not pay as this is not my debt. I told him to send me a letter, he said they did send a letter but it was to my old address, he said its not their fault the address was wrong. I gave him my current mailing address to mail a letter so i could see it, he took the address. I asked if i could email them about this because i wanted to see this in writing, he said they dont work like that? another red flag. This sounds like a scam. the website of the so called company did not even have a section where i could review my bill? only a " make payment '' section. The man sounded very uneducated and a lowlife. This must be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 
I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 
It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately
Product: Consumer Loan

One-Main Financial has been unable to provide me with accurate information regarding my loan. I have requested copies of my payment history and payoff info. When in arrears less than a few dollars, I have been called and harassed up to 10X per day on my personal and work numbers. Yet, when I attempt to call and request my info, I am treated with nothing but contempt from the staff. The worse is the call I received today. 

I was greeted by " XXXX '', and she displayed nothing but awful representations of character. As I was requesting information from her, she continuously criticized MY character regarding my payment history. 

I am not paid on a regular cycle, this was explained to them on numerous occasions. But I have being harassed and spoken to in such and unsavory way. 

I also have concerns about how One-Main aka XXXX aka Springleaf has been conducting business as of late. Their lending practices are on the verge of loan-sharking, with bullies as enforcers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am in the process of getting approved for a remodification for my home and I have setup an automatic payment for my home dated for XX/XX/2017. However, today, XX/XX/2017, I had to manually send the payment of {$4400.00} to the Loan Servicer SPS Financial because they still had not debited my account for the agreed amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union continuous to report account to XXXX  with wrong account numbers also account was included in BK still showing balance owed and past dues.