23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nations lending called multiple times to try and refinance my house when I was working with another lender in XXXX. I told them multiple times not to call again. Finally they stopped after I told them if they ever called again I would file a complaint. Today ( after starting refinance with a different lender because it did not work out last time ), they called again on XX/XX/XXXX at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, an identity thief attempted to open a credit card with XXXX XXXX XXXX using my information except the correct middle name. The card issuer requested additional information and sent a letter requesting more background data. The letter was sent to the home address at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Upon discovery of the attempted fraud, XXXX XXXX XXXXXXXX was notified and asked to remove the credit inquiry from my credit report XX/XX/2024. The representative I spoke with gave his first name as XXXX.
Product: Debt collection

The debt was not discharged in bankruptcy. It was forced off by personnel from the Illinois Attorney General 's office. The agency ( former ) of XXXX XXXX XXXX XXXX XXXX, of the XXXX XXXX XXXX XXXX instituted theft of alleged account base that I had developed in Statutory employment XXXX IXXXX  XXXX which had some start up costs to develop account base ( s ) for commission earning purposes. After some deception of broker of record letter solicitation there persisted an agreement unsigned by the general agent factor and following termination in writing, the agency evidently hired a XXXX XXXX of XXXX, Arizona to persist in collection harassment of a contractually unsupported debt that persisted on the credit report of my own during which my Mother XXXX and during quite the estate challenge, from an impounded resource after three correspondences occurred from an attorney. The attorney whom had reviewed the contract of my own had corresponded three times in writing, which have, about removing the debt from said credit report in time for a family gather and in time for return to licensure employ which eschews any debt type of the agency owner for future employ and thus ruins licensure. Although the first attorney dropped matter as it coincided with important planning, it has been so hard to obtain an attorney qualified to speak about unlawful debt reporting, yet I 've observed in the law library which laws were broken and attempted partship myself, yet there was no accounting and no explanation of what the amount consisted of and why they persisted so long after the XXXXXXXX XXXX had been told three times in writing that the debt was n't contractually supported. This has caused a lot of uphold on my part, and it has imploded resources, not wanted. There are so many letters inquiring of what a full contract dispute looks like adept to the US DOJ, and something must be done my angle. It 's a long time to be on my credit report without contractual support and being a financial services company, commission related ailments should be documented over and not credit report harassment alleged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Equifax and XXXX This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX  from XXXX XXXX XXXX  ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from credit karma saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of XXXX XXXX XXXX from equifax, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that credit karma sold my information and thats how XXXX XXXX XXXX  accessed my credit information. Im attaching a copy of the police report of identity theft, Please, as a credit company they have to protect us/ but I feel unprotected, I am already having serious problems because my identity was stolen, I have a fraud alert in the three credit companies/ but I feel that this does not stop the criminals who want to continue robbing me blood, this whole identity theft case has me completely unprotected.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/2022 XXXX XXXX / {$0.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

I didn't authorize application for credit card. I want the unauthorized inquires removed from my credit report.
Product: Credit reporting or other personal consumer reports

I reached out to all 3 credit reporting companies and no one has sent any correspondences in regards to my request in the past XXXX  months after several attempts. I need this data removed off of my files immediately.
Product: Debt collection

I received a phone call from XXXX XXXX calling about I debt I do not owe. I explained to him that i have health insurance and that the bill was never presented to my insurance carrier after calling XXXX medical and telling them that I had insurance and that I gave it to them during my emergency room visit and I gave them the information again. It's a violation of law to bill a consumer because the hospital didn't bill my medical insurance. After I spoke with XXXX XXXX explaining that I never received any information from his company he explained that they had an incorrect address on file. He corrected the address and started that they would send the information again. He also stated that its scheduled to go on my credit report even though I disputed it with him.
Product: Payday loan, title loan, or personal loan

XXXX XXXX, is filing a complaint against Auto Money in XXXX, SC for harassment, a member of our family applied for a loan with this company in XX/XX/2020 to maintain some bills because she has been out of work due to problems from Mold infestation of her home in which the Landlord failed to comply with Landlord/Tenants Rule. According to the LAW, a company do not suppose to call consumer daily. According to the COVID-19 VIRUS, many are not on their jobs in contact with many people, also colleges are closing down and people jobs ... She was told by them that did not matter to them, Our family and many others has contact Governors, Mayor, Attorney General of what to do and are abiding by Medical Rules, and Government rule applied about what we ALL are facing. It is not that no one DO NOT want to pay their debts, but if OUR JOBS are selective of whom can or can not come in, consumers has rights. She has XXXX, and this company harassment has cause her to become with more stress because of AUTO MONEY contacting her EVERYDAY. She has been sick over a month and has only worked 1 week in XXXX, and she has explained that to AUTO MONEY and has basically been trying to gain other loans to get this Loan paid off. They claim she threatened their business, NO!! she explained to them what we and many others has been told by the Government of what is best to do. We as family has been shut down with our jobs as well, but we are trying to maintain bills as well. If they understand this, therefore they should not harass consumers. We are trying our best to keep her with her medications that her insurance DO NOT PAY for, and Co-Payments with her Doctors and Specialists. We are asking that they DO NOT as the LAW states to harass consumers and that we are working on ALL bills to keep our homes and help her get this paid off. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Texas, XXXX Texas, XXXX Dear, XXXX XXXX XXXX Attn ; Legal recourse I am writing to dispute the accuracy of the information in my credit report that is currently being maintained by your agency. I have reviewed my credit report and have identified several inaccuracies that I would like to bring to your attention. 
Specifically, the following items on my credit report are incorrect : Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under metro 2 guidelines I dont recognize these accounts as correct I request that you conduct a reinvestigation into these inaccuracies as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of my credit report and any supporting documentation that I believe will assist you in your investigation. 
CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX I have also attached a copy of the letter that I sent to the original creditor requesting a correction of these inaccuracies, as well as their response. This correspondence satisfies the requirement under Section 611 ( a ) ( 2 ) of the FCRA for me to notify the creditor of the inaccuracies before disputing with the credit reporting agency. 
I would appreciate it if you could keep me informed of the progress of your investigation and provide me with a written copy of your findings. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX.
Product: Mortgage

In XXXX of 2006 I contacted my mortgage company which at the time was XXXX XXXX and ask if my mortgage could be changed from the XXXX to the XXXX. I was told that in order to do that I would have to refinance the mortgage or pay an early payment. I paid the early payment XXXX XXXX of 2006. However the XXXX XXXX payment which was made from my bank, according to XXXX XXXX was not received. The early payment that I made in XXXX on the XXXX was considered by XXXX XXXX to be my XXXX payment and was considered to be late. I have documentation from my bank and from the electronic fund transfer company stating that the mortgage payment in XXXX was deducted from my account and sent to XXXX XXXX. This payment was sent back to my bank but my bank sent it back to XXXX XXXX within 2 weeks and XXXX XXXX received the payment. Though they received the payment XXXX XXXX never documented the payment as being processed so my mortgage continued to appeared to be late. A letter as well as documentation showing that the mortgage was deducted from my bank account and received by XXXX XXXX was sent to Ocwen explaining everything that had happened. Ocwen refused to converse with me so I had a lawyer contact them. My lawyer stated that she was never able to speak with anyone in their law department in attempt to correct this mistake. She felt that my only recourse was to sue them. I am currently in the process of attempting to refinance my mortgage at a lower rate but Ocwen is giving a pay off amount that includes {$6200.00} in late fees which I do not owe. This entire fiasco has affected my credit score and is now going to cause me to lose my locked in rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a notice for a collection of debt from the Law offices of XXXX XXXX XXXX on XX/XX/XXXX, I called them directly disputing the charges in the amount of {$1900.00} and requested to receive an itemized list of the charges to compare to my inspection that I received from XXXX XXXX Housing Authority. At the time I was on housing and its required in order to leave a property the complex has to sign off on a intent to move notice, which I received on XX/XX/XXXX and told them i was planning to move by XX/XX/XXXX because of the 30 day notice rule there, and the housing authority has to complete a full inspection of the unit to ensure the property was not damaged from the tenant on XX/XX/XXXX, which in this case is myself. I was told by XXXX on XX/XX/XXXX who answered my call to the law office that she was going to mail out my documents requested and that I should receive them in 7-10 bs days at the most. On XX/XX/XXXX I only received a copy of my old lease from XXXX XXXX XXXX verifying that I paid a {$300.00} deposit, that's it! NOTHING VALIDATING THE CHARGES AGAINST ME as proof. Till this day I never received the charges I asked for, so I contacted the bureaus to initiate the dispute process because the debt was reported 6 times, 2 times with each reporting agency. I received notification from XXXX of the removal and with Experian they removed the debt from {$1900.00} to {$1700.00} and at that point XXXX and Experian requested my inspection proof and all supporting documents which I provided XX/XX/XXXX. I never once received written notification from these 2 agencies of a reinsertion even though they discovered initial inaccuracies to update the debt to {$1700.00} in XX/XX/XXXX. I am currently in the process of paying off alot of stuff so my credit monitor company questioned me about the change because no notification otherwise had ever been received. This is clearly fraud reporting one debt amount twice on each trade line, then to report the wrong amount without a response from the debt collector from XX/XX/XXXX, then to decrease the debt voluntarily, then to just not send me reinsertion notifications at all? How is this legal, I dont feel this is right to me to wait 6 months where I am only obligated by law to wait for the proof within a 30 day time period with written notice that of course I never recieved. Now when I call Experian they auto decline my calls so I have to call using a random social that I just type in and have also blocked me from using any online method of use through their website.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries XXXX XXXX XXXX XXXX, XXXX {$3500.00} XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXX/XX/year> -- {$150.00}
Product: Checking or savings account

My name is XXXX XXXX and I'm a XXXX XXXX  currently studying in the XXXX. I am writing to formally lodge a complaint regarding my savings account with Marcus by Goldman Sachs, which has been frozen for an extended period. As a foreign student studying in the United States, I rely heavily on the funds in this account to pay my tuition fees and cover living expenses. My Social Security XXXX ( XXXX ) ends with XXXX, and I have approximately {$16000.00} deposited in this account. Recently, when attempting to pay my tuition fees, the transaction failed, and subsequently, my account was frozen. Upon contacting customer service, I was informed that identity verification was required. Specifically, I was asked to provide a driver 's license, which I do not possess as a foreign student. Instead, it was agreed that a case would be set up to verify my phone number ( XXXX ). I have patiently waited for over seven business days, only to receive the same response from customer service stating that they are unable to verify that the phone number is under my name. Now I come back to XXXX and called them to verify my phone number again. However, they still said my phone can not be verified and gave me no reason for that. 
This has resulted in a frustrating and seemingly endless loop with no resolution in sight. Given the urgent nature of my financial needs and the lack of progress in resolving this matter, I am requesting the immediate unfreezing and closure of my account. I expect the full balance to be returned to me promptly. The bank must give me a way to verify the account or my money can never be retrieved. 
Please consider this matter with the utmost urgency and provide a resolution at your earliest convenience. If further verification is required, I am willing to provide alternative forms of identification or documentation that are acceptable within your verification policies.
Product: Credit card or prepaid card

I did not apply for credit from ELAN FINANCIAL SERVICE
Product: Debt collection

XX/XX/year> Subject : Formal Complaint Against Portfolio Recovery Associates for Incorrect Credit Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Portfolio Recovery Associates for incorrect credit reporting on my credit report. Despite my previous disputes, this collections agency has failed to properly investigate and correct inaccurate information that they have reported.

This inaccurate reporting has had a negative impact on my credit score and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, Portfolio Recovery Associates is liable for : Actual damages caused by their failure to report accurate information.

Attorneys fees and court costs, should I need to pursue legal action.

I request that the CFPB immediately intervene to enforce compliance with federal law and ensure that this inaccurate information is corrected. Please confirm receipt of this complaint and provide updates on any actions taken against Portfolio Recovery Associates regarding this matter.

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ( 3 ) three credit Breaus are reporting inaccurate inquiries and debts on my credit report 1. XXXXXXXX XXXX  2. XXXXXXXX XXXX XXXX 3 XXXX Bank 4.XXXX XXXX 5.XXXX XXXX Bank 6XXXX 7XXXX XXXX I've filed several disputes and nothing has been changed and I've also did my share of investigating and found that they have mixed my credit file up with someone's social ending with XXXX please.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent in a goodwill request for an adjustment on 1 late payment from XXXX of XXXX. Wells Fargo did not honor my request which is fine however they then falsely added on another late payment stating it was from XXXX of XXXX. I believe they did this out of spite because I have been requesting a goodwill adjustment for months. This is inaccurate and I have the credit reports to prove this was not on my report 1 month ago.
Product: Mortgage

We have applied for loss mitigation through our mortgage servicer, XXXX, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXX and have been trying to get help since XX/XX/XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and XXXX want to ignore the federal laws and illegally take our home from us. Please help!
Product: Student loan

I recently reviewed my credit report and found a discrepancy with the reporting of my student loan on my credit report. XXXX was showing that XXXX XXXX was reporting that I was 90 days past due on my student loan back in XXXX of XXXX, however I could not have been 90 days past due because I entered into deferment on XXXX XXXX XXXX due to me being on XXXX XXXX with the XXXX XXXX. I entered service on XXXX XXXX XXXX. I completed an online dispute through XXXX and the results came back on XXXX/XXXX/XXXX showing that I was responsible for the late payments. The reporting of me being late with my student loan payments has aided in me not being able to obtain a VA home mortgage loan. I feel like even though I am serving my country, it is not right for XXXX XXXX to report incorrect information that is stopping me from obtaining my American Dream. I would like it if XXXX XXXX ( now Navient ) would remove the 90 day late payment from all XXXX of my credit reports from XXXX. I would also like it if they would do this in a timely manner. According to the Fair Credit Report Act, the Credit Agencies are to ensure that they report the correct information, reporting that I was 90 days late in XXXX while in deferment since XXXX is not right and should be corrected.
Product: Checking or savings account

Today, XX/XX/year> I attempted to make rent payment and make a purchase in store however transactions were declined. Within the last hour of these attempted transactions, i received an email from my bank informing me of " irregular activity on your SoFI bank account ''. I was instructed to contact as soon as possible to review your account. Once i made the contact, i was told that the account was under review by the internal investigations team and there is no timeframe. This has been completely unprofessional. The representatives know NOTHING. When i ask to escalate they give pushback or will say that the manager will only tell you the same thing. I have no access to MY funds. I do not have access to another other funds. This has been an embarrassment to me. There should be NO reason as to why i can not speak to someone immediately to clarify and remove this unnecessary restriction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that EXPERIAN send me a copy of my credit report by mail and they refuse to do so. I also requested that they stop reporting inaccurate information on my consumer report of two XXXX  XXXX ACCOUNTS that are inaccurate and are reporting without my written consent. This is a violation of my consumer rights and the Fair Credit Reporting Act. I demand that these accounts are removed just as XXXX removed inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit history with an advisor and seem to have a hard inquiry from a company that i've never heard of or been affiliated with. The company pulled my information on XX/XX/2017. The company is XXXX  in XXXX, FL XXXX. Phone line is ( XXXX ) XXXX-XXXX. Upon further investigation in my records, this is fraudulent activity.