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

I want to request a cease and desist order on shellpoint mortgage and Transunion, XXXX  and XXXX  for violations of the CARES ACT protections. 
XXXX XXXX  is my mortgage lender # XXXX I am in an active approved forbearance under the CARES ACT. 
Transunion, XXXX, and XXXX  credit agencies are reporting various balance increases on my XXXX XXXX, removing the items and re-entering different balance increases. 

Each of these entries results in an increase in my XXXX score and a change in my debt to income ratio. This behavior is a direct violation of the CARES ACT of XX/XX/2020. 

The result is my credit report says I am increasing an existing line of credit by {$12000.00} during a pandemic and while I am looking for employment. 

XXXX XX/XX/XXXXsuggested that I write a letter to the credit bureaus to correct the incorrect entries. 

The credit bureaus are non responsive and suggest I file an investigation which will allow XXXX XX/XX/XXXX30 days to remove any derogatory items from my report. XXXX responded that they are not making the entries. 

I am actively seeking work and my credit report is used as a reference to my character! 

This can not wait 30 days! 

I am asking for all credit bureaus to be forced to adhere to the CARES ACT provision of not reporting anything concerning a clients participation in the forbearance program. 

NOTE : They are not saying that I am 30 days or 60 days late they are saying that I am increasing my balance by the amount of the forberrance which has been input in the amounts of {$4200.00} and {$12000.00} which are substantial amounts of increases in a persons credit or debt and they are reducing my credit score as a result!

I am trying to gain suitable employment and these acts are irectly impacting my ability to do so. This is what Congress intended to avoid with the stipulation that no negative credit reporting will occur if I was approved for this program.
Product: Credit reporting or other personal consumer reports

i dont recognize none of the hard inquiry on my credit. i didnt authorize them XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My XXXX account was compromised and a transaction was made to someone I don't recognize. I disputed the transaction with Synchrony who then opened a fraud case, closed my credit card, and issued a new one. Since then they did not issue any sort of temporary credit for the charge. I called them and they stated they would issue temporary credit and waive any fees and interest charges, but instead added more charges under the label " Convenience Check '' ( 3 times ) for the amount of the fraudulent charge and have not refunded any of the fees or interest. Now all of these extra charges applied by Synchrony are gathering interest daily because they are flagged as cash advances but this should be a credit and not a debit to my account.
Product: Checking or savings account

per complaint # XXXX First of all i emailed XXXX and called her multiple times back in XXXX and never got a reply. so i had to make a XXXX complaint with cfbp about that and then XXXX finally gave a solution for the prepaid edd card. but i also included a issue regarding the regular checking account being closed wrongfully. and then she got me in touch with someone named " XXXX '' and he was very rude, talked over me, and lied. XXXX said '' i can send the reviewal for overturn of the decision not to open your account again '' so when I asked him you said again so please tell me when was the first time this reviewal of the decision was done? '' And XXXX replied " I didn't say that '' then he kept talking over me and was very rude and hung up the call on me.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX I disputed Hard, Soft, and Promotional Inquires certified mail XXXX XXXX I called and disputed Hard, Soft, and Promotional Inquires XXXX XXXX I called to dispute Hard, Soft, and Promotional Inquires The Reporting agency 's replied that they couldn't be removed and didn't remove them resulting in me having a difficult time accessing credit that I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

These loans were paid in full in 2019. I have emails from Sallie Mae that show my balance as {$0.00} for each loan. When I disputed their reporting that my accounts were still open and that I still owed a balance, I provided the said emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry made is not an inquiry made by me. Please have inquiry moved from credit reporting Equifax Mortgage Ser - inquiry date : XX/XX/XXXX XXXX mortgage- inquiry date : XX/XX/XXXX XXXX XXXX- inquiry Date XX/XX/XXXX XXXX XXXXe- inquiry dates XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- inquiry dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; was unaware of company pulling my credit twice. Was not authorized. Did follow up with company Equifax please remove inquiries from credit report. I sent over a letter and still nothing has been done
Product: Mortgage

Received an escrow shortage letter from Wells Fargo for {$4700.00}. Part of the taxes were not paid at closing by the title company and taxes/interest part of mortgage was calculated too low. This was a refi, so most of the paperwork was already on file with Wells Fargo.
Product: Debt or credit management

No contract with this company. Validation and proof requested and never received.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for falling to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX  XXXX /ACCOUNT NUMBER XXXX .... The information is incorrect and should be corrected to no late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent my disputes on inaccurate and accounts that don't belong to me. Its been over 60 days. I know the bureaus have at least 60 days for a response or accounts will be deleted. I demand this to be deleted. THIS IS ME SENDING THIS DISPUTE NOT A THIRD PARTY
Product: Debt collection

Was contacted by Stafford group and associates Yesterday and today about money that I was unaware of owing for a set of tires from tire agent that I do not have they told me that payments were made until a fiew months ago I contacted my bank and they dont have any records of money taken from and accounts such as this one I think this is identity theft how do I get this issue taken care of???
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting or other personal consumer reports

name : XXXX XXXXXXXX Dob : XXXXXX/XX/XXXX SSN last 4 : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 is fraudulent, inaccurate, and false information consists of a auto loan opened at XXXX XXXX. on XX/XX/XXXX account # XXXX amount of {$16000.00}, also a account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account # XXXX amount {$830.00} also a XXXX XXXX account opened on XX/XX/XXXX account # XXXX amount of {$200.00} also a XXXX XXXX. account opened on XX/XX/XXXX account # XXXX amount of {$1300.00} also a account opened at XXXX XXXX ( commenity bank ) on XX/XX/XXXX account # XXXX amount is {$710.00}. these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 inquries, as reported. the aforementioned accounts, collections, and hard inquries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquries are the result of identity theft and fraud. i have attached a copy of FTC identity theft criminal complaint for proof that from the US FEDERAL TRADE COMMISSION that the aforementioned accounts were not made by me and are the result of fraud.
Product: Credit reporting or other personal consumer reports

In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as gap insurance, the car dealer did not submit the gap insurance paperwork or the extended warranty paperwork. I contacted XXXX XXXX and advise that I had paid for the gap insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted XXXX XXXX. They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the gap paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted XXXX XXXX and they refuse to listen or understand what I'm saying. I have disputed this multiple times with Trans Union, XXXX and XXXX the last time that I disputed it XXXX XXXX updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX XXXX and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX XXXX XXXXXXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is two XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show LoJack insurance I don't know what that is but it shows that I have the extended service plan, gap insurance, and low Jack, and according to my documentation, I have submitted this, and they refuse to accept it.
Product: Debt collection

The calls are coming from a company called MRS Associates. I have been telling them to stop calling me, as the amount owed is WRONG
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
How can this account be closed and yet it states that I am still paying on it in the monthly payment section Once an account is closed there should be no monthly payment unless the status says " now paying was charged-off '' 15USC 1692e. False or misleading representations XXXX XXXX XXXX Account Number : XXXX Inaccurate. invalidated account prove it 1. You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I XXXX XXXX  XXXX Account Number : XXXX Please remove accounts and DO NOT PERMIT to be re-inserted or reported under another name alias etc. immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Payday loan, title loan, or personal loan

I received a short-term loan via XXXX for {$1100.00} on or about XX/XX/2020. 
I have paid two installments on the loan for {$390.00} each, so total paid is {$790.00}. 
On XX/XX/2020, I called and emailed ( 6 times ) to change my payment method to a different bank. 
I sent a copy of " old '' payment method blank check and a copy of my " new '' payment method bank statement per XXXX  's request. They replied that they could not read the bank statement, and even though I had stated multiple times that the " old '' account had been closed, they attempted to withdraw the payment from closed account on XX/XX/XXXX. 
When their debit was returned " closed account '' they automatically charged me an exorbitant amount and now say I owe them {$3900.00}!!! 

Please intervene as soon as possible. All customer service representatives ignore ( d ) my requests to change payment method.
Product: Credit reporting or other personal consumer reports

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19 I was unable to make payments. The {$40.00} that was due has been paid in full. That information is no longer delinquent.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX american profit recovery {$490.00} XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX XXXX XXXX XXXX XX/XX/XXXX charge off/closed XXXX  XXXX {$600.00} closed and report negative after reviewing my credit profile today .i identified a discrepancy with these accounts listed under XXXX XXXX and validation was requested as this was an account i didn't recognize, i reviewed my credit report and its still reflecting on my credit report. I have not received my correspondence from creditor to validate these accounts as correctly belonging to me. nor has my credit report been updated to reflect that this account is disputed. this account is negatively affecting me.im not able to get loan to try to get house for me and my family. Under fair debit collection practice act ( FRCA ) ( 15USC 1692g ) stating my claim is disputed and validation is requested.
Product: Bank account or service

My small business account at Chase was compromised. XXXX ACH debits came out of my account. They all went to the same bank account number with different names. After a month or so working with chase fraud department and local representatives I was assured this would be handled. Finally I received a letter stating that they determined there was nothing they could do. I have copied and pasted the contents of the letter below. I reached out to the other bank and they told me I needed to work with Chase. 

XX/XX/2015Please contact the business that initiated the transaction ( s ) you reported to usClaim number : XXXX XXXX XXXX XXXX XXXX, We 've completed our research on the transaction ( s ) you reported to us on XXXX/XXXX/2015 and determined that it 's abusiness-to-business electronic payment. As a result, we ca n't remove the transaction ( s ) from your account*. 
Please contact the business that initiated the transaction ( s ) to resolve this matter.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I am sending this complaint in order that I can get a straight answer from Ally so that we may close this matter. I leased a truck from XXXX XXXX XXXX, in XXXX MI the lease ended in XXXX 2014 when I took the truck back at the end of the lease which was XXXX XXXX, 2014 it was inspected and pictured was taken but when we got the report back from Ally it stated that there were holes in the rear bumper which was not true, we have been desputing this sence then now they tell that they have review our dispute and it was denied on XX/XX/XXXX but we never got notification of that, several customer service reps have told us that they do not notify you of denial in writing we should have gotten a call from the customer service rep that took the complaint but we did not and I keep telling them that I never got a call, then they said I should have called them. The dealership said that the truck never went back to Ally, the used car sales manager purchased the truck and sold it two days later, and we should not be responsible for any repairs, because Ally did not do any repairs never put their hands on the truck. Every time I speak to an Ally customer service rep I get a different response, I feel that Ally is trying to squeeze money out of every customer they had, because they are mad that XXXX has their own finance company now and will not be dealing with them anymore, I also know that Ally is a part of General Moters ( part of my tax dollars bailed them out ) thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to the fact that I have been a victim of fraud and identity theft. I just discovered going on to my credit reports and really looking at what credit means, figuring out that someone had my information. On my credit report there is 2 hard inquires that I never authorized or had knowledge of. The 2 hard inquires are XXXX and XXXX XXXX. I knew that I never gave these creditors my information so I went ahead and disputed them off all 3 of my credit bureaus. Only one credit bureaus have been successful. Now that I have been struggling to get these off my report I contacted the original creditors stating the same thing and they validated that these were not mine and stated that they would contact all three bureaus stating these were identity theft, fraud, and to have them removed immediately. Now here I am still contacting the bureaus wondering as to why these inquires are still on there. I am filing this asking what XXXX stated I needed after all these steps. I need a identity theft report sent to them and Equifax credit bureau about the XXXX XXXX inquiry. I need 2 identity theft reports. OnXXXX for Equifax and one for XXXX. Please and thank you. I attached both credit reports.