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

I value the efforts already made to address some inaccuracies in my file resulting from incorrect reporting on my credit report. However, there remain several inquiries and an inaccurate address that require removal. After reviewing my credit report, I noticed persistent inaccuracies that I find problematic. Upon contacting the companies listed below, I requested the removal of these inquiries from their records and the deletion of any associated records with credit reporting agencies. They have assured compliance with my request and the necessary steps for resolution. Nonetheless, I am reaching out to ensure these corrections are fully implemented. The list below details the outstanding inquiries and the inaccurate address that need to be excised from my credit reports : EXPERIAN : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX As a forthcoming mortgage applicant, I am keen to ensure my credit score accurately reflects my creditworthiness. Enclosed with this communication is my updated FTC report, numbered XXXX. I request a comprehensive report on your findings within the next 30 days, anticipating prompt resolution to this matter.
Product: Student loan

I'm waiting om a refund from them XX/XX/25 I had called and I see people getting refunds who requested after me. I've been waiting about XXXX days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

i do no know where this account came from. it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that does not belong to me. I have contacted the credit reporting agencies multiple times via certified mail, online dispute, & dispute with a live agent. The account in question is for {$1500.00} from XXXX XXXX. All I keep getting back is verified account by all 3 credit bureaus without any proper documentation of verification. I have called the reporting company in question and they promise to show me proof that the account belongs to me but have not done so in the last year. XXXX XXXX even told me the system they use verifies my data and that's how the account is verified with no actual work done or paperwork show to prove that it belongs to me. I have even been ignored and hung up on my credit reporting agencies employees.
Product: Credit reporting

I called Transunion and customer service would not help and take care of the negative inquiries reporting to my credit report after I informed them that I am a VICTIM of their " inquiry glitch issue '' and now these inquiries have greatly impacted my credit score in the worst way. 
1 ) Inquiry Date XX/XX/XXXX- XXXX 2 ) Inquiry Date XX/XX/XXXX- XXXX XXXX ) Inquiry Date XX/XX/XXXX- XXXX 4 ) Inquiry Date XX/XX/XXXX- XXXX 5 ) Inquiry Date XX/XX/XXXX- XXXX XXXX 6 ) Inquiry Date XX/XX/XXXX- XXXX XXXX XXXX XXXX ) Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ditech Financial is trying to collect a debt ( {$8800.00} ) from a mortgage that was a part of a bankruptcy in 1996. The manufactured home was taken back by the mortgage company which was XXXX. They have repeatedly tried to collect a debt that was not owed and now it is affecting my credit. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute letter XX/XX/2020 with no response yet
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was surprised to see on my and my husband 's credit reports that there's a hard inquiry from Factual Data. I called Factual Data to find out who ordered the hard inquiry. It turned out to be XXXX.

We applied for a refinancing loan from XXXX back in XX/XX/XXXX. The loan was approved, and we closed on XX/XX/2019.

I don't see a legitimate reason for XXXX to pull our credit without our consent almost two months after the loan closed.

These hard inquiries hurt our credit scores and make it look like we're seeking credit when we're not. I don't think it's right for XXXX  to do this without our permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the item removed and or the Late payments removed if they can not prove where i was late and that they must comply with consumer law concerning reporting practices
Product: Credit card

I have several credit care accounts managed by Chase. I had taken a balance transfer offer from Chase upon opening XXXX of the cards. The balance transfer came with a 0 % finance rate for about 9 months. I made payments on time and before the promo rate expired, I paid off the remaining balance. Within 1 week of paying it off, Chase reduced the credit limit of all of my accounts with them. I went from a combined limit of about XXXX down to about XXXX. 

I believe Chase arbitrarily reduced my credit limits as 'punishment ' for paying off the balance and avoiding finance fees. 

This action by Chase severely degraded my credit limit to balance ratio and resulted in a very negative impact on my credit rating.
Product: Money transfer, virtual currency, or money service

I transferred {$1300.00} to XXXX on XX/XX/year>, but I did not get it.
Product: Mortgage

My loan was transferred to Essex Mortgage shortly after we closed on our home. I have been trying to contact XXXX to get information on my mortgage loan and their phone number is a joke. Every time I call, their auto receptionist asks me of I want to wait on hold or request a callback. Neither option yields any results. When I select the option to wait on hold, I am transferred to a survey to asks about my experience with the rep I just spoke with. The only issue is I never get a chance to speak to a rep. When I select the option to get a callback, the callback never comes. I need answers on my mortage loan and the servicer is no where to be found. This is extremely unprofessional and I don't like having my home in their hands.
Product: Debt collection

XXXX XXXX and XXXX which is now known as Tromberg , Morris & Poulin , PLLC engages in predatory debt collection. 
The law firm initiates motions in court which drags me to court. Upon arriving at the courthouse, the security officers are at times aggressive and engage in unnecessary search procedures just to make sure that individuals like me are not a threat. 
After passing through the metal detectors and thoroughly being searched, the clerk and the attorney for the debt-collection agency work in tandem. For the past two instances that I have been in court, I was specifically profiled so that I was the last individual to be seen in the court conference room. This means that for the last two sessions in the civil court, I have waited at least three hours to be seen. 
To make things worse, the clerk was disrespectful and the court sessions were exhaustive due to the numerous number of people who showed up at the last two sessions. 
I have no idea what XXXX XXXX XXXX does but in this regard in conjunction with XXXX XXXX and XXXX, they create misery and havoc in consumers ' lives. 
These practices must come to an end.
Product: Credit reporting

XXXX did not send me a copy of the original signed contract which proved when i opened the account and i did not receive the full payment history as in statements. i see no proof that my last payment was made on XXXX/XXXX/2012.
Product: Vehicle loan or lease

I defaulted on a title loan in the beginning of XXXX they repossessed my car. I owed {$1700.00} at the time of repossession. They informed me that to get my car back I have 7 days to pay {$3400.00}. They were charging me {$1700.00} for repossession fees, storage fees for 7 days and towing fees. Which seems excessive. Well on the 8th day they auctioned my car. They sold it for roughly {$6900.00}. I received a letter from the company stating the overage. Letting me know I was owed {$3500.00}. I called the company to receive my money I was told a check would be issued in 30 days. Its been almost 120 days and no payment from them. Every time I call the tell me there is no updates or scheduled date for my payment to be mailed. Ive been calling for over 90 days. They gave me 7 days to pay them but they can not give me a check for what Im owed almost 120 days later. I should not have to wait any longer to be paid whats mine.
Product: Debt collection

I was working with a credit repair company. They obtained my personal information under the false pretense of helping me repair my credit. They moved on to open several credit cards and max them out as well as take out loans from banks. Once I became aware of this I filed a police report this was in XXXX. Even with that these XXXX were still using my information and going into my bank account taking out money all the way up until XXXX. I was not sure how to deal with reporting this outside of filing a police report. I did close the bank account. There was credit card maxed out and a loan taken out in my name which I found out was done online for XXXX. These XXXX accounts are now in collections and I have tried contacting them via certified Mail letting them know this is not my debt. As well as letting them know they are in violation of my consumer rights.
Product: Debt collection

I have recently obtained a copy of my credit report and noticed inaccurate accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information NAME Wrong names associated with my credit report ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX GENERATIONAL IDENTIFIER Address never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Never XXXX at XXXX XXXX CENTS ONLY
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Bureaus are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My refi funded to payoff my current mortgage loan with Pacific Union Financial and I have an escrow and over-payment refund around {$9000.00} dollars. When I call Pacific Union today, they said it will take about 30 days before I will receive my funds. I asked why, and was told this is their policy
Product: Credit reporting or other personal consumer reports

My student loan balance and payment history is incorrect as my balance has been at XXXX since XXXX of 2023
Product: Credit card or prepaid card

On XX/XX/2021 at XXXX pm an unauthorized transaction of {$1200.00} was made through my CashApp account, leaving my account {$0.00}. This was my entire VA Disability Benefits check. I immediately reported this to CashApp through their chatbot customer service in the app. I received a response from CashApp customer service on XX/XX/2021 but wasn't aware of the email until XX/XX/2021 because I was still communicating through the chatbot and was informed that an email had been sent to me. After checking my email, I realized that the questions were the same that I had already answered in the chatbot but I answered them again anyway. From that day XX/XX/2021 up until XX/XX/2021 I've received the very same email from CashApp with the same questions just from a different representative. I have been given the run around and CashApp hasn't taken any action what so ever to investigate my case or recover my money. I feel completely disrespected and ripped off by this financial institution and totally ignored as a consumer that trusted them with handling my money. They should definitely be held accountable for consumers money and replace those funds after looking into the unauthorized transaction. They didn't even look into it. This transaction could have been reversed or stopped. They are very aware of where they sent the funds to. This shouldn't have ever gotten this far. I have been evicted from my apartment and now am facing homelessness. I am a single XXXX veteran with no family or friends that I can depend on.
Product: Checking or savings account

On XX/XX/2023, I mistakenly gave my debit card number to a spammer. I had called the XXXX # on the back of an XXXXXXXX XXXX card that was a few years old. I reported to XXXX that the number now goes to a spammer and they told me that I should have used the new card that came in the mail. They should make sure the old toll free number is not available for use by another entity. I reported it, but they did nothing to close down that number. As soon as I hung up the phone, I realized that the person was a scammer. I called Citibank and cancelled the debit card number and they sent me a new card. 
Same day as I gave out the original debit card number to a scammer, XX/XX/2023, and I reported it to the bank,, they paid the {$3.00} to the scammer, they claim using the new debit card number. It's not possible that the scammer had the new debit card number as I gave it to no one and I cancelled my old debit card as soon as I hung up from the call with the scammer. When I was still able to access my checking account via the Citibank XXXX, it showed the charge of {$3.00} as pending. The telephone agent said it was paid using the new debit card number. 

Now Citibank has cancelled my new debit card and claims to be sending me a XXXX  new one. 
I am trying to log on to my online account through the Citibank XXXX  and it shows an error when I enter my password. I am sure the password is correct. 
I am reporting XXXX for leaving an old toll free number available to others. 
I am also reporting that CITIBANK has frozen my online banking and they paid {$3.00} to a spammer using my new debit card number on the same day that I cancelled my old debit card.
Product: Mortgage

I have been trying to sell my home for XXXX years after being turned down by Chase Bank to help with our monthly payment. After XXXX years of waiting for a buyer we finally have someone that wants to submit a fair offer on the home but Chase 's refusal to provide a copy of the new appraisal is holding up the file. That 's all we need to proceed with the buyer 's offer to Chase Bank. Can you please help with this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?
Product: Debt collection

I have been contacted twice within a year by Alpha Recovery Corp for a sum of money Scram of California says I owe. I made timely payments while subscribed to the device and never heard anything more until years later when i got a call from Alpha Recovery. I 've never missed a payment on anything in my life. I did n't want to hassle with it last time so I just paid it in full ( {$130.00} ). Now, they are saying I owe that same amount again. I wish to dispute these charges as I do n't even understand where they are coming from and if there will be more another year from now. But the guy from Alpha just screamed at me and told me I had to pay it. He would n't tel me what my options were if I disputed the amount or requested more information on what this was in regard to. I do n't know how debt collectors work but this seems ridiculous. I do n't feel comfortable just handing over my credit card for some amount of money I have no idea how I owe. The threat of ruining my credit made me pay it last time but I ca n't just keep paying this amount every year not even knowing why and Alpha wo n't give me any information other than to yell at me and then hang up on me.
Product: Debt collection

The following accounts have violated my consumer rights : PORTFOLIO RECOV ASSOC : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. Immediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings. 

Prompt attention and resolution expected.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Va, XXXX, XXXX XXXX had a open vendetta against me and my roommate. I contacted the rental office XX/XX/XXXX, I moved out onXXXX and turned key 's in. The secretary said that she could not find a key sheet. I was with three people. She has fined me numerous times after having a small meeting and making agreements. I paid all the fines. I was unable to locate Ms. XXXX, it appeared we were being avoided. Me and two other people were there when I turned the key 's in because of the problems the rental office was having with being negative to me and other residents.. I took pictures of everything and how I left the apartment. I received and bill for this situation in XXXX. I contacted the rental office, they continue to dodge me. I saw her and I showed my pictures and told her there must be a mistake. She showed me pictures and said that was not my apartment. I had 3 people witness this. She will not accept proof. I did not own that stuff, and I had over 4 people with me during the process. I speaking XXXX XXXX, she was the debt collector for the case. I disputed the collections and showed them the pictures. She contacted me back told me that the rental office was not going to accept, they had there own pictures. That is not my apartment nor my belonging I had numerous people with me at the time I took the pictures as I was moving out. I sent pictures more than once. They refuse to accept my proof of the fact that is not my apartment in the pictures. I have shown pictures of problems with is apartment. They would not fix it or painted over top of the problem. I stayed on communication with them to the point I had no other recourse. I have to pay something because of a landlord who dis like me. They are making hard inquiry 's on my credit report causing problems, I can not moving in to anywhere because this marking on my credit. 

Account XXXX XXXX Move in XX/XX/XXXX - Move out XX/XX/XXXX. 
XXXX XXXX XXXX XXXX FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ( toll free ) XXXX ( fax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Va, XXXX, Phone # not available. Office have multiple changes often.
Product: Money transfer, virtual currency, or money service

XXXX writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reappears as new Everytime my credit score goes up Took my score from XXXX to XXXX TransUnion stated it has insufficient information on these credit account And kept it as new and open ..since 2022 When these accounts are closed... 
Or paid off already Reoccurring Student Loan account For Approximately XXXX dollars That is paid for by the government Joe Biden