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

Since XXXX, XXXX. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX XXXX breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me XXXX, XXXX  XXXX  and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX dollars, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Product: Checking or savings account

PayPal Bank allowed our CHARITY 'S Merchant Account ( XXXX ) with a balance of {$74.00} to be hacked and stolen. Law Enforcement has been notified. After MULTIPLE ATTEMPTS to reach out to the bank to close our account and mail us the entire balance that we are LEGALLY ENTITLED TO to our registered business address at : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX, XXXX, AR XXXX, they have illegally seized our CHARITY 'S donations and broken federal laws. 

We want the entire balance of {$74.00} mailed to us via Certified Cashier 's Check to the registered business addressed listed above within 14 business days or we will seek Federal Investigations, as well of dozens of consumer complaints publicly displayed, and notifying national television networks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter asking for verification of compliance to accurate reporting of information on my credit report. There are items being reported inaccurate and I wanted verification of the process and reporting. I asked that the following inquiries be verified : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX be check for compliance with reporting. I did not authorize either of these inquiries and they did not have permissible reason to access my file. I received the results stating the " inquires are a factual record " and that was the results of the investigation. Not providing what I asked for in my letter. 
I also asked for compliance proof for the following items being reported inaccurately on my credit report : XXXX # XXXX reporting 2 ( 30 days late ) also no closed date. XXXX XXXX XXXX # XXXX reporting a charge off XX/XX/XXXX after reporting included in bankruptcy the previous results from investigations. BANKRUPTCY CHAPTER XXXX # XXXX XXXX XXXX XXXX XXXX. I forwarded a copy of a screenshot of an eoscar for the account with no results. Also they state the information was received from XXXX XXXX which verified no record and the access to my record has been a freeze since XX/XX/XXXX.
Product: Debt collection

Items of complaint : I have had a XXXX home security monitoring system since XX/XX/XXXX. I have been paying a monthly payment of XXXX ( XXXX basic monitoring fee + XXXX equipment fee ). In XX/XX/XXXX, I chose to install the XXXX video camera. The video camera plus installation was XXXX per contract and monthly monitoring fee will increase from basic monitoring XXXX to smart monitoring XXXX per contract. I paid off the XXXX upfront on XX/XX/XXXX. Per the salesman, the door I chose was connected to my house 's electricity so no battery was involved and no need to recharge. 

However, XXXX installed a more expensive doorbell without telling me. XXXX installed a battery driven doorbell and it needed to be recharged. They also charged me a total of XXXX and took from my credit card XXXX on XX/XX/XXXX in addition to the XXXX I paid. I had NO knowledge of any of these. In XXXX, all of sudden, my doorbell stopped working due to the battery needing recharge. I was very puzzled since I thought my doorbell did not have a battery and did not need to recharge. I phoned XXXX. XXXX wanted me to recharge my doorbell myself. I tried but was unable to remove the screws they put in. I phoned them again to ask them to send someone to help. They said in order for them to send someone, I need to pay the balance on my account. 

I was so confused since I paid off the doorbell. I took a look at the bill and was furious. For the month of XXXX, I got charged XXXX. XXXX for the more expensive doorbell in addition to the XXXX I paid. 
XXXX. XXXX = XXXX ( my usual monthly basic home monitoring fee + equipment fee ) XXXX. XXXX the prorated the smart home monitoring fee ( XXXX ) for this month. 

I already paid the basic monitoring XXXX. WHY do I have to pay a prorated fee of XXXX for the same month?? I should just get charged XXXX = XXXX for the entire month. 

For the month of XXXX, I got charged XXXX. XXXX = XXXX ( my usual monthly basic home monitoring fee + equipment fee ) XXXX. XXXX smart home monitoring fee. They charged me both smart home monitoring fee and basic home monitoring fee for the same month?? 


I escalated this to the department of insurance of California and sent in all my evidence documents. 

However, on XX/XX/XXXX, I received a debt collection letter from XXXX XXXX stating that I have owed XXXX XXXX home XXXX on XX/XX/XXXX. I don't know why I owe them XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to XXXX XXXX to begin service but refused to consent any credit inquiry in order to gain service, only to find not one but two credit inquiries on my Transunion credit report from them between XX/XX/XXXX and XXXX. It lowered my credit score almost 30 points. I disputed it through XXXX and Transunion immediately in XX/XX/XXXXupon learning of the unauthorized inquiry. Transunion responded back with a vaguely worded letter advising that whatever the furnisher decided to do has been done. The results of the dispute were unclear. Now, a year later as I'm applying for a mortgage, I've learned that the two unauthorized inquiries are still on my credit report. Please remove them asap. Thanks.
Product: Credit reporting, credit repair services, 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. 

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, and the XXXX XXXX  # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting, credit repair services, or other personal consumer reports

I want to make another complain on this collection. This debt was claimed by another collection agency XXXX in the amount of {$900.00} in XXXX and then they closed it because this is not my account. Then Ability Recovery took over the debt again and reopened it in XX/XX/XXXX for the amount of {$1500.00}. This LLC is a scammer and I won't stand for them tarnishing my name and credit. I need something to be done about this because this is against the law to report false information like this. I need this bad debt out of my life from all three credit Bureau 's. This is not my debt as I explained. If you have a paper with a digital signature that doesn't mean it's me until I see proof with my real signature this is a scam. Remove this immediately from my credit reports.1510.This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. Please REMOVE this from my credit report IMMEDIATLEY.
Product: Credit reporting or other personal consumer reports

I have mortgage with the company PennyMac Loan Services. I have been paying on time as shown in the attached files and they still reported a late payment in XXXX which they have not corrected yet.
Product: Checking or savings account

My debit card was stolen and used at multiple locations. I disputed the transactions and Navy Federal credit union denied my dispute. I provided details and proof that it wasn't me. This incident happened in XXXX of last year. I had to appeal the decision and provided a police report. My money has still not been returned.
Product: Mortgage

I was sent a Delinquent Real Estate Taxes letter from XXXX  County XXXX for unpaid real estate taxes for my property. I have called the mortgage servicer immediately upon receiving the notice. I have been asked repeatedly what the problem is and have repeatedly given all the information to them with each phone call and have been given the very same response every time that they will investigate and promptly pay the taxes. My bill was to be paid in XX/XX/XXXX and I am writing to you today on XX/XX/XXXX.

The Loan Servicer is Loancare, XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX.

After repeated phone calls for two months with assurances that I would be contacted as well as the delinquent taxes to be paid, nothing has been done. I am very frustrated and do not know what to do to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a federally protected consumer. I sent letters excising my rights on XX/XX/2021 and is now over 30days with no response. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX and XXXX ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT AND THIS IS A DIRECT VIOLATION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

Rash Curtis & Associates account # XXXX account has shown up on my credit report.. 
That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. 

This account should be deleted based on the California law alone, however it is also in violation of the following federal laws. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 602 A ( 2 ) It also states a consumer reporting agency can not furnish an 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 ) ( XXXX ) 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. Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. XXXX was the first month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws are attached below. I have mailed dispute letters to company and disputed through all three main credit bureau 's and they are unable to remove an address which does not even exist- yet, Rash and Associates are reporting it on XXXX XXXXI am asking to delete this account and remove off my credit repor due to furnishing inaccurate information.
Product: Mortgage

XXXX, was placed on my property after all structures had been completely destroyed by a XXXX fire. From XXXX approximately XXXX dollars was added plus interest to my mortgage to cover a HOUSE that had been destroyed. The primary reason the home was not rebuilt was the failure of Wells Fargo to file a timely claim against an insurer who's policy was indeed in effect at the time of the disaster. XXXX XXXX XXXX policy was never contacted by Wells Fargo and my policy was reduced to just enough to clean up and continue to pay on the vacant land. Approximately XXXX dollars was added to the payoff due to interest and XXXX additions from XXXX. Despite having coverage I was still being charged for Lender Placed insurance. When the property was destroyed, my statement clearly show XX/XX/XXXX Hazard insurance XXXX $ XXXX XXXX  XXXX XXXX XXXX continued payments. The Wells Fargo Policies did not cover LAND. Wells Fargo was keenly aware there were no structures on the land from XX/XX/XXXX XXXX to payoff of the mortgage in XXXX yet added nearly XXXX in forced placed insurance. The land was not COVERED. All that existed was land. Wells Fargo made mistake after mistake after mistake in an effort to generate max profits. The CFBP penalties clearly address both of the actions present in my dealings with the WFB. I have received a mere XXXX for improper foreclosure vs. the XXXX in loses due to the lack of customer care by this bank. My complaints in this matter have been virtually dismissed and certainly not handled in a fair and just way. Please look at the record of LPI and refund those amounts as they should never of been placed on vacant land with no remaining structures.
Product: Credit reporting or other personal consumer reports

This afternoon, I was incredibly disappointed to find inaccurate accounts on my credit report that I had no idea about! I check my report regularly, and this time there were shocking discrepancies that just appeared out of nowhere. I tried refreshing my browser, hoping it was just a temporary issue, but no luckthe accounts remained! Im urging you to thoroughly check the documents Ive sent so that I can finally stop stressing over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I, XXXX XXXX pulled my credit report thru XXXX and after I went over I found out XXXX accounts on it that I did not recognize. I started to do my own research with a friend of mine that I know he went into a similar situation and on XX/XX/2020, I went to filed an Identity Theft Police Report, on XX/XX/2020, I started my first dispute, after the second dispute, the other accounts were removed from my report ; as of todays date I have submitted my documents to the Credit Bureaus XXXX times ; so, I am now taking an extra step to remove an alleged account with XXXX that is repeating TWICE on my EXPERIAN and XXXX credit report. For reference, I am attaching a copy of my last dispute. This account is not mine and it is affecting me very much, I really hope that this time this account will be off from my report.
Product: Vehicle loan or lease

On XXXX XXXX I called Exeter finance about my past due balance. I explained I was still out of work on an unpaid medical leave. I asked the agent if I could cancel my cars extended warranty and use that money towards my past due balance? The agent replied with yes you could do that. I told her thank you so much I will call and get that money forwarded to you all. On XX/XX/2022 Exeter received the money and stated it could not be used towards the past due balance. I spoke with a manager and she told me she would give me a call back once she found the call to come up with a solution. On XX/XX/XXXX the manager called back and confirmed she found the call and I was indeed told those funds could be applied to my past due balance. But the manager said she apologized even though I was told that those funds couldnt be applied to the balance. I asked to speak to another supervisor who also said the same yes I was promised this but again I can not do it and they could help with setting up a payment arrangement. I advised Id be reaching out for legal advice.
Product: Debt collection

Credit collection services services listed a collection on my credit report stating they are collecting for XXXX over three months ago stating they open the account and just put it on my credit report no verification of debt I requested it. They refused to supply it threatened my safety and Im gon na let you know. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they decided to threaten friends and family however, I do not owe any debt. I canceled XXXX  switched to a cheaper insurance policy with another company. They refused to verify me the credit reporting agencies dont want to do XXXX and they want to sit there and make threats to me. they are required by law under the fair credit reporting act and the third debt collecting practices to notify of debt 30 days prior to listing on a credit report instead, they listed it on my report stated it was open three months ago thats 90 days if not longer, they refuse to verify and throw it on my credit report I consider that a personal attack as well as a violation of my civil and consumer rights. If the account is not removed from my report due to the fact, I canceled XXXX and apparently they decided to keep trying to charge me when I switch XXXX providers. I will XXXX sue them back iXXXX XXXX XXXX. They came out of and see to it. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was a victim of fraudulent charges from XX/XX/year> to the latest pending charge on my XXXX a count. When I discovered XXXX charges, I called XXXX to dispute for fraud. the chart es have continued despite XXXX investigative that has not been investigated properly or a curately or thoroughly, I am making these same complaints against Chase Credit card Services. Where is there due process with transparency? WHO, WHAT, WHERE, HOW?? andWhy I am being a tually a fused of falsifying as to receiving no benefits besides no knowledge of o Or Authorization!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

I am writing to formally dispute the reporting of a collection account on my credit report. This account is being reported by multiple creditors for the same debt, which constitutes a violation of XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to ensure the accuracy of information in consumer credit reports. Additionally, under 16 U.S. Code 1692, it is prohibited for a debt to be reported more than once for the same obligation. The reporting of this debt by multiple creditors is clearly inaccurate and violates these provisions. 

I request the immediate removal of this collection account from my credit report as it is a clear case of double reporting, causing damage to my credit profile. 

Please investigate this matter promptly and remove the erroneous account from my records. I also request written confirmation of the removal
Product: Mortgage

FHA XXXX I need to understand if there was an FHA HUD claim filed. I'm showing a claim date in this document of XX/XX/XXXX a sale date of XX/XX/XXXX and a transfer servicing date of XX/XX/XXXX the sales price reflects {$49000.00} while the claim amount shows {$150000.00}. so was the mortgage insurance insurance premium paid to the investor which was HUD? If so and they sold this note to the current investor for {$49000.00} how is the new servicer roundpoint mortgage now seeking over {$260000.00} for this note? A XXXX XXXX has been filed. If a mortgage claim was filed in HUD US Department of Housing and Urban Development and FHA received the mortgage claim funds and the servicer bid on the Note how do I owe them this money? I want an investigation open so that I can clearly understand if I've been violated as a homeowner and a note holder of an FHA loan. This loan has been in default or in trouble since XX/XX/XXXX which was just a year after the note was purchased I've gone back and forth with US Department of Housing and Urban Development FHA the Consumer Protection Finance Bureau in any other government regulatory department to get help. I'm exhausted at this process I have over a hundred emails to State local and government agencies trying to get this issue resolved and now I would like to file suit with the US Department of Justice. I'm wondering how many homeowners in an urban demographic has been treated this way and if there is a double standard with HUD US Department of Housing and Urban Development and FHA. Are they selling the note making a profit as well as receiving claim money for the mortgage insurance? How many FHA loans are orginated to prodominely XXXX, XXXX Borrowers that end up in default and purchased by Private Investors. MERS information is inconsistent as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 - I was alerted to a hard credit pull from " OPORTUN/XXXX  '' ( Oportun, Inc. ) on my XXXX  credit report. I have never done business with Oportun or XXXX  and certainly did not authorize a hard pull or apply for a loan with them - so I immediately suspected fraud. Calling and emailing the company has been a dead end, and no one could explain to me why the hard pull happened and if someone successfully opened an account in my name. Additionally, they refused to remove the fraudulent hard pull from my credit report at XXXX
Product: Credit card

re ; complaint # XXXX ... ypu have recieved..i forgot to give you their phone # XXXX and address no physical e-mail Discover.com/XXXX invitation code : XXXX ( really )
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was shared without my permission. Equifax was hacked and my information was stolen. They are completely responsible for keeping my information private and safe. Credit bureaus force me to be responsible daily, and I feel they should be held to the same regard.