23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I realized that my renewable insurance premium was not paid by the Cardinal Financial although I had enough money in escrow. I send an email to cardinal to inquire about the issue. 
On XX/XX/XXXX, I was told by the cardinal phone agent that they have already purchased a forced placed policy on my property and paid the premium of {$2200.00}. Their records shows that there is no insurance on the property. 
On the same date XX/XX/XXXX, I found out that the my insurance agent mistakenly had my uncle as primary insured ( previous owner of the house ) instead of me since the date the home was purchased. 
On XX/XX/XXXX, canceled the other policy and asked the agent to issue a new policy under my own name and faxed a declaration copy to cardinal. 
on XX/XX/XXXX : Cardinal sold the loan or transferred it to XXXX. When I called cardinal, I was told the loan was already sold and XXXX is supposed to service the loan. 
Various date : From XX/XX/XXXX onward, I tried to cancel the forced placed policy because I already have the insurance and get the amount paid back to my escrow account. I get many different answer from cardinal. The answers were : A. Please wait for the refund check to arrive on the mail. 
B. We have requested the policy to be cancelled, the refund will be refunded back to XXXX escrow. 
C. You need to contact XXXX instead. 
D. You need to contact XXXX XXXX XXXX Instead. 
E. Please fax us the copy of your current insurance and we will refund you. 
F. Please fax us the proof that you never had any lapse in coverage and then we will refund you. 
I got # F answer today ( XX/XX/XXXX ), and its the second time I got this answer. I had faxed proof of insurance and continuous coverage in the past on XX/XX/XXXX as well. 

When I contact XXXX, I am told that they do not have any evidence or record of forced placed policy being in my account. 

When I contact XXXX XXXX as them to cancel, they do not recognize the policy number provided to me which is XXXX
Product: Payday loan, title loan, or personal loan

Pnc won't allow me to link my bank account to any outside sourse due to security enhancements
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX and Santander Consumer USA. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$500.00}. The Account Opened is Santander Consumer USA Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called transunion Several times to get the issue resolved. The representative was very rude and didnt seem interested in helping me get this resolved. I did not authorize the following creditors to run my credit and I need these removed immediately. I feel so unsafe knowing these companies will allow just about anyone to run your social security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX bank  XXXX XXXX XXXX bank ) XXXX XXXX XXXX XXXX bank XXXX XX/XX/2022 XXXX XXXX bank XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX, XXXX, XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was put into collections by XXXX ( XXXX XXXX XXXX XXXX in Washington State ). 
Paid all arrears in full XX/XX/, no longer delinquent. 
Contacted both XXXX and Trans Union by phone in XXXX to have the collections from my report. 
It has not been removed and is hindering my Credit Score.
Product: Debt collection

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

The Debt Reported from XXXX XXXX is n't the original debt. its not the proper creditor name nor is the dates correct made by enhance recovery and they used a new date to force to collect from me. the debt is paid to date, I want a full removal of this debt because of false reporting of information to attempt to collect a debt. I want it sent to all three bureau for removal ASPAP! they are to provide all Original Documents!!!!!!!!!!! of proof of dates!
Product: Mortgage

The bank prequalified me to loan modification twice, yet they are sending me paperwork telling me I am not qualified and when I call I am told it is a mistake. I am still not getting the paperwork from the bank. I prequalified for the flex modification back in XXXX. It is now XXXX and the bank is trying to get me to sign paperwork without the modification. I am appalled that this is happening. I feel like I have no one to help me and the bank continues to not do their part to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company several times along with Equifax to have this account removed from my credit report. They ask me to contact Equifax to have the notations removed which I did. I have attached the letters provided to me that assured me that this would be removed from my credit report. It is not my responsibility to correct this issue but in still have been given the run around by both XXXX XXXX XXXX and Equifax. It has been over a year going into two years and this is still on my credit report. This should not be a dispute at this point it should be removed.
Product: Credit card or prepaid card

Our business credit card was closed by Bank of America without notice and without a reason being given. Payments on the card were always made on time and we have solid financials. Several days later we received a letter stating that we didn't meet their " risk profile. '' We were later told by a CSR that it was because we didn't answer a " survey ''. We never received a " survey ''. Almost XXXX points were lost as a result. 

We have spent many hours on the phone with different people. We finally gave a telephone application to re-open it several weeks ago and were told the card would be issued in 7-10 days. That time passed long ago. We have tried several of their phone numbers and can not reach a person. We have held for as long as an hour with no one answering. This has become disruptive to our business operations, as we are a small business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, on XX/XX/2018, I presented a dispute to the 3 major credit reporting agencies via mail of accounts on my personal credit that I never benefited from nor authorized, yet after 3 calendar months I have received nothing in resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX Account Number : XXXX Year : XXXX Make : XXXX Model : XXXX XXXX : XXXX To Whom it May Concern : Please be advised that the above-referenced, charged-off account was settled in full for less than the amount owed on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) recognizes that the above-mentioned debt has been settled in full. 
We are in the process of updating our records to reflect the settlement of the above- referenced account. Please allow up to thirty ( 30 ) days for all updates to be reflected with the credit-reporting agencies. Also, please be aware that XXXX is merely a furnisher of credit histories maintained by any credit-reporting agency. XXXX XXXX XXXX can only make requests that changes be made to the credit history and can not guarantee such requests will be honored. 
If you have any questions, please contact XXXX at XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All rights reserved. XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours 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, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( late payment ).
Product: Debt collection

In XXXX, XXXX, I received a notification from a credit monitoring app that a new collections account was listed on my credit report with the name, " ABSOLUTE RESOLUTIONS INV '' collecting the amount of {$19000.00}. This is the only reason I have any awareness the collection agency, as they have made absolutely no attempts to contact me directly. I have been working with XXXX XXXX XXXX XXXX to help me negotiate debt settlements since XX/XX/XXXX and I immediately notified them of this new account. They contacted your ABSOLUTE RESOLUTIONS INV to try to settle this collections account several times. 

On XX/XX/XXXX XXXX failed to deliver a certified letter, that I can only assume was sent from ABSOLUTE RESOLUTIONS INV, because I was traveling to support family members with COVID-19 infections. 

On XX/XX/XXXX, I received a letter from the Superior Court of Arizona regarding case XXXX. The plaintiff ( ABSOLUTE RESOLUTIONS INV ) entered a Ex Parte Motion on XX/XX/XXXX to Allow Service Under Ariz. R. Civ . P. 4.1 ( k ). The motion stated Defendants are evading service of process but the plaintiff provided no evidence to support the allegation. The court denied the motion as the fact the Defendant ( me ) lives in a secure building does not constitute evading service. 

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX has worked on my behalf to make several offers to settle this debt, with no response from ABSOLUTE RESOLUTIONS INV. This collections company has failed to contact me directly about this matter since acquiring the debt, and it has become clear to me that they would prefer to abuse the Arizona courts system, using it to intimidate and harass me and waste taxpayer resources. 

I am trying to arrange funds and have good intentions of paying off as much of my debts as possible. I have emailed them directly, including the attached letter regarding my recent financial hardship for their consideration, assuming it acts as valid proof that I have attempted to settle said debts. ABSOLUTE RESOLUTIONS INV has made no attempt to contact me directly or respond to my numerous attempts to settle this debt without the Arizona Courts. I am submitting this complaint because ABSOLUTE RESOLUTIONS INV is abusing the Arizona Courts to harass and intimidate me. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on two previous occasions requested copies of the information you used to authenticate the claims of debt against me certified received on XX/XX/XXXX, and on XX/XX/XXXX proof is attached. 
Pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681g ( a ), I have a right to copies of all of the documents and information that you have recorded and retained in your file at the time of the original request concerning the accounts that you are reporting in my credit report. If you are unable to provide validation, verifiable proof such as signed contracts or agreements within 30 days of receiving the first certified letter, which was received on XX/XX/XXXX, you must remove the unverifiable and incorrect information. 

To assist you as best I can, I have again enclosed a copy of my drivers license and passport as proof of my identity and a letter from the IRS ( internal revenue service ) below are the accounts in question. Your immediate attention to this matter is greatly appreciated because is well outside of the 30 day investigation period and it's having a negative impact, The accounts in question are listed below. 



Company Account Balance Company Account Balance XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$500.00} XXXX  XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXX {$500.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, A hospital, debt collector and credit agencies ruin my credit record/financial record. I had a deductible health insurance in XXXX. We have XXXX kids and their primary doctors were from XXXX hospital. We never had issues in 9 years with them, all bill were paid and no obligatory record yet. In XX/XX/XXXX, we had couple emergency visits in XXXX XXXX Hospital and a few doctors follow up in XXXX. I had a total of {$2600.00} deductible/year. Out of that I paid {$1300.00} for my portion and {$1300.00} left in total for family. My son was recommended some therapies in XXXX hospital. The XXXX XXXX hospital used wrong medical code for billing and sent me tons of bills. I had contacted XXXX in their billing department several times and other later on. None of their people helped me. Then I reached to my insurance facilitator XXXX XXXX and that was finally resolved. Later on the primary health care unit of XXXX acquired by XXXX XXXX hospital. Then our nightmare starts. Newer management start to send several bills without processing through insurance company. I called several times but never worked to my case. I made some payments worrying about bad. At the end of XX/XX/XXXX, I got mails and calls from another fraudulent debt collector XXXX XXXX XXXX, XXXX, CT to collect a {$750.00} & {$120.00} bills. I told them, the insurance records shows that amounts were paid out and asked them to find the reality and send me the final bill if I still owe. They did not do that. At the same time, I reached XXXX XXXX, a broker agency to XXXX who have similar unprofessional dummies. They changed words and fake report several times. All these agencies put me in trouble and I did not know what was going on. At the begin of XX/XX/XXXX, the  debt collector reported my debt to credit bureaus. Then, I called debt collector, hospital and sterling benefits why they did that. The XXXX XXXX told me they paid bill in my daughter instead of my sons account. I already cleared my daughter bills but, the XXXX hospital, CT took money from me and insurance. The XXXX  XXXX Hospital overpaid {$340.00} for XX/XX/XXXX and still tried to collect from me. I paid out the due in my son 's account per their final work. The hospital assured me to send the overpaid money back and correct the credit report. Both things never happen yet. I filed complain in Better Business Bureau, The Experian & XXXX both show the records deleted from record however, my credit score is veered off and collection record is still there. I never got the money from the XXXX hospital that I overpaid, the XXXX hospital still trying to still me and the hospital along with XXXX XXXX XXXX ( debt collector ) destroys my credit record. It is a big fraud. I am a hardworking of XXXX little children and this fraud destroys family.
Product: Credit reporting or other personal consumer reports

I have had issues with XXXXXXXX XXXX XXXX XXXXXXXX XXXX informaiton being stolen over the years, and have had to change CC numbers at least once a year for the past 4 years because of it. 

Reciently, Transunion states that I have a major credit deliquency. I have had unsecured credit for 40 years without missing a payment on anything, Credit Cards, Mortages, Car payments, nothing. The report says that a company said I owed them ~ {$1900.00} and have not paid. I called XXXX XXXX  and asked why have they filed the dispute when I dont know anything about this. They said an XXXX XXXXXXXX XXXX XXXXXXXX into credit with them, which I disputed and asked for whatever informaition they had to me for review. They did not. I then disputed the charges with my Bank and with Transunion. Transunion investigated and said I did owe it, without giving me any infomation either other then a statement they determined the dispute was not accepted.

Please assist me with this case of misrepresentation and my credit score being negatively affected without proper investigation and proof. I have no idea what this is.
Product: Student loan

Re : XXXX XXXX Student Loan Provider : XXXX XXXX Account # : XXXX On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX at XXXX regarding a Loan Forgiveness Program to inquiry if I meet the qualification for the program and was told that I did. I was told that {$49000.00} of my {$59000.00} student loan would be forgiven and I would only be responsible for repaying {$10000.00}. I was told that I would make 6 payments of {$190.00} and that my payments would decrease to {$40.00} thereafter to satisfy the balance of the {$10000.00}. I was emailed a copy of the Fee and Service Schedule to sign and my first payment was taken. 

From that point on I begin working with XXXX XXXX with XXXX XXXX XXXX at XXXX ( Toll Free XXXX ) who informed me that my Loans had to be consolidated through one of the approved Department of Education programs before it could be forgiven. Although I was skeptical I proceeded with the process because I was told this was standard procedure. I was told that the process would take 3-6 weeks. 

After my loans were paid off through XXXX, I was told that my new loan servicer was XXXX and notice that the total balance of {$59000.00} instead of the {$10000.00} ( I was told I would owe once transferred ). I immediately called XXXX XXXX and was told that in order for my loan to be forgiven I would have to pay 240 payments ( which is 20 years ) before my loan would be forgiven. 

As I expressed to Mr. XXXX, I feel that I was mislead and that details of the program were withheld to get me to change loan servicers. I would have NEVER consolidated my loan to wait 20 years for them to be forgiven. The total amount of my loans {$59000.00} have been placed on my credit. The Fee and Service Agreement I signed only has me repaying $ XXXX- which further supports the deceptive tactics used to get me to change lenders. This program does NOT benefit me and am asking that an investigation be open on XXXX XXXX XXXX XXXX and XXXX for fraud and false advertising.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS IS REPORTING NEGATIVE AND FALSE INFORMATION ON MY CREDIT REPORT! REMOVE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting

XXXX XXXX processed a hard inquiry on my Chexsystems report without my permission then proceeded to add a negative and fraudulent account to them. I disputed XXXX XXXX with Chexsystems.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I discovered inaccurate accounts listed, and I have no clue why. I check my credit report regularly, but this time, I spotted inconsistencies that seemed to appear out of nowhere. Hoping it was a glitch, I refreshed my browser, but the errors persisted. Due to this situation, I ask that the documents I provided be carefully examined to resolve this matter permanently.