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

XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX  Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry I did NOT inquire about any of this!
Product: Credit reporting or other personal consumer reports

Please remove fraudulent and hard inquiries off my credit file from XXXX, Trans Union and XXXX immediately. 

XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/2021 and XX/XX/2021 but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an unrequested credit card, and I tried to place a freeze on my credit information with the XXXX credit bureaus - while I could easily freeze my credit and place a fraude alert on XXXX and XXXX, the same is not true for Experian. I am not able to place a freeze, neither a fraud alert, their numbers all have automated service and do not allow me to talk to a representative, and I will need to do the process by mail, and thus, extend the time my identity might be used fraudulently. The ONLY way to have any control of my credit report online in Experian is by paying for their services- which is illegal. The service can be offered free and efficiently by the other XXXX credit bureaus, in compliance with the law.
Product: Credit card

Attention Discover Bank Reference to XXXX May be the Representatives did NOT make it clear. 

I dont know what you mean by verified but I was out of the United States for over 2 years and it has been verified by the exit and entry stamp on my passport. 

I left fall XXXX  and I provided your company representatives with my overseas address several times before leaving the country because I was unable to add an overseas address to my account. 

When I wasnt receiving my mails from your company : I called several times to tried to get my bills sent to me oversea, however, your representatives wanted me to verify my account via my United States phone number which was impossible since I was out of the country. 

Every time I tried to sign on to my account oversea, it asked me to verify my account via United States phone number which why I called your company several times and made certain they have my overseas address before my departure. 

The last representative l spoke with overseas : informed me to wait and get back in United States before I can start making payments on my account. 
Please listen to all phones conversations and notations on my account starting from fall XXXX. 

Therefore, since your representatives failed to provide me with the accurate information before my departure date from United States, I am requesting for your company to remove all late fees, interest, and any other fees and charges accumulated from fall of XXXX  before I will make arrangements for payments. 

Thank you, XXXX XXXX.
Product: Credit card

Took advantage of an interest free offer and the bank charged interest even though I paid off the monthly charges on time.
Product: Mortgage

To whom it may concern I would like to file a complaint regarding A mortgage modification from caliber home loans. I have been trying to get a home modification ever since XX/XX/XXXX when our mortgage was with XXXX. Since then my mortgage was transferred to XXXX then XXXX. In XX/XX/XXXX XXXX granted us a trial modification. We completed the trial modification on time and everything was fine. As we completed the trial modification our mortgage was sold to caliber home loans however they did not grant the modification. They kept telling us that they need more paperwork and more paperwork. However we kept sending them paperwork we then we 're given a date for foreclosure which we had to file for bankruptcy while we continue to wait for a modification. After years of trying to get a modification we seek help for funding from HEAMP and Pennsylvania house in the Authority assistance however we were told that we had an FHA mortgage so they denied us. They were only excepting conventional mortgages at the time. However recently within the past two weeks we found out when the mortgage was sold in the process to one of the different mortgage companies. We were switch from FHA to conventional mortgage. We are still trying to get a modification with caliber and we are now working with a third-party ( XXXX ) because of the back and forth with caliber. We again had to file bankruptcy because they keep asking for the same paper and foreclosed on us again. The third party as well as myself cooperated and sent everything in. They said we only need XXXX more documents. We sent those in. They said the need XXXX more documents those were sent in. We have been going through this too long. We were advised to file a complaint and this is what we are doing. Our hands are tied we have no where to go and we need help and assistance. I have proof of my situation that I will be sending in. The documents attached are recent letters of how they keep asking for the same information that they told me they received. They also let the third party know that they received these items. They were sent by myself and the third party. So they should have duplicate information. Also I will show how I was giving a trial modification from SPS. These will be on the attached documents. I have been going thru this since XXXX. For 2 years I have been trying for a modification and have been giving the run around. I am working with a third party and it 's still the same case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX of XXXX XX/XX/2020 XXXX of XXXX XX/XX/2020
Product: Debt collection

ATTENTION TO LVNV FUNDING LLC ( 12 XXXX  XXXX XXXX XXXX  ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company LVNV FUNDING LLC ( XXXX XXXX  XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

i just recently looked at my credit report and noticed that things were inaccurate with a few of my accounts. i want to make sure that everything is 100 % correct and accurate can you please reinvestigate the accounts listed below
Product: Credit reporting or other personal consumer reports

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 Subject : Request to Block and Delete Fraudulent Accounts under 15 USC 1681c-2 ( a ) Dear XXXX, XXXX am writing to request the blocking and permanent deletion of fraudulent accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ). I have been a victim of identity theft, which I believe occurred as a result of the data breach involving XXXX. 
Below are the accounts that have been fraudulently opened in my name and that I request be immediately blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have enclosed a copy of my identity theft report filed with the appropriate authorities, along with other supporting documentation ( e.g., a police report, FTC Identity Theft Report ) to verify my claim. 
Under the FCRA, XXXX is required to block the reporting of information that resulted from identity theft within four business days of receiving my request and supporting documentation. Therefore, I kindly ask that you : 1. Block the reporting of the above accounts.

2. Delete any references to these fraudulent accounts from my credit file. 3. Send me written confirmation of the actions taken.

If you require additional information or documentation to process this request, please contact me promptly at the details provided above.

Thank you for your attention to this matter. I appreciate your cooperation in protecting my credit file from further harm caused by identity theft. 
Sincerely, XXXX XXXX
Product: Debt collection

I have disputed and have requested to have XXXX XXXX XXXX XXXX  removed from my consumer reports with Exquifax, XXXX, and XXXX multiple times. I do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with 15 USC 1681 stating I never gave written content to furnish my information or obtain my information.

Furthermore, the reporting is reflects inaccurate reporting on account balances stating XXXX, XXXX, XXXX, and XXXX. 

Lastly, the account numbers do not match XXXX This is preventing my family and I from securing a residence. As a XXXX  year retired XXXX XXXX and a Service XXXX XXXX, inaccurate reporting of debt to consumer reporting agencies impacts credit worthiness and negative reports may cause financial distress for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I hav the right to privacy.

USC 1681 Section 604A, Section 2 It is also States, a consumer credit reporting agency cant furnish an account without my without my written authorization and instructions.
Product: Mortgage

I recently paid off my home in North Carolina. Well that is what I thought I did. 
Today, I received a letter stating that I was to pay XXXX At the same time Bank of America has not since refunded my Escrow Money. Why is it that Bank of America can not simply deduct the {$13.00} from my Escrow Account. The XXXX is late charge. I do not see why a bank this size can not just wave the fee. I am attempting to have my credit reports showing the account is paid. Bank America continues to report that my mortgage is not paid. Am I upset with Bank of America? Yes, would I have a mortgage with Bank America again I am not sure. 
Anyone with similar issues can call me at XXXX. I am not an attorney. 
I can not and will not give legal advice. However, if you are looking for moral support a friend I am here for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an update to an unresolved issue!!! I just received my reinvestigation back from LVNV FUNDING. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. Account # LVNV FUNDING LLC XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g ( b ) whereas they did not provide me with validation of debt. Only an online " contract '' in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b ( 2 ) because I did not provide them in writing to furnish this info onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed Equifax on 4 different occasions in regards to an account with XXXX that reflects negatively on my credit report. I have elaborated with the company I have been a victim of identity theft and requested that Equifax investigate the following matter and remove the account. I have never received any rebuttal from the company which leaves me with no option but to reach the CFPB. 



XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$250.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$930.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 ) ( 1 ) A person shall not furnish any information relating to a 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

The list of accounts below is reported inaccurate on my Equifax consumer report. 
As mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This account never authorized by me and is a fraudulent account : XXXX. XXXX XXXXXXXX XX/XX/2015 Amounts of : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I have no idea how it got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the issue remained. This is extremely frustrating, and I need this matter resolved immediately. Please review the documents Ive sent thoroughly so I never have to deal with this stress again.
Product: Bank account or service

Good day and a happy XXXX holiday to all of you ... 
I am being defrauded by my bank-Bank of America via a direct deposited check paid monthly by one of my renters-directly to me. He lives in XXXX, XXXX and uses the XXXX in XXXX. My B of A banks are down here in the XXXX XXXX XXXX. They have cheated me before. But this time, on XXXX XXXX, the XXXX had sent an electronic check to the B of A and it was endorsed and stamped as received and a copy sent back to said bank and to my renter. I never saw that money. I got into it with B of A reps. yesterday and they promised to credit said amount that apparently went through their " bill pay '' system and they did n't know what happened thereafter? That evening the amount of {$500.00} was credited to my account. And here we are a day or two later and the money has disappeared once again from my account. B of A is trying to cheat me out of money they received/took/deposited somewhere and credited to the other bank? 
Please help as this is totally overwhelming and my account can not handle this missing rent check. Same said property needs a well repaired & I can not do it without said money. The renter is elderly and can not understand what is going on? 
many thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I filed a claim with Chase bank on XX/XX/2018 because I made a purchase to a company called XXXX XXXX on XX/XX/2018. Since the company did not deliver all of my product, I filed a claim with my bank informing them that I have not received my product. On XX/XX/2018, Chase reversed the claim stating that they received information from the merchant stating that the provided the product, however I provided proof that the merchant agreed to refund the money, and they still will not refund my money. Chase claims team is incompetent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is saying I owe monet but never received no credit limit from them never received no money that was my own money in that account that they were generating a bill on
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting a auto loan on my transunion credit report this acount was charge off in 2018 .they are still reported this acount like a miss payment. this not fair. by the fair credit act .15usc or 1681. I have ask for documents that i have sing. no repond. please can u help me resolve this problem thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting of hard inquiries on my credit. Equifax wont tell me who is asking about my credit. It has been reported that Equifax has had a security breach. I am concerned. I have notified them that I have had no application for credit to anyone in the past 6 months. They try to verify who I am by asking questions from many years past that I can not answer. The customer service employees seem to be in a foreign country and do not speak understandable English. What to do now? I have spent many years getting my credit back inline from the XX/XX/2008 disaster only to be subject to fraudulent practices.
Product: Mortgage

My Loan # ending in XXXX was acquired from XXXX. I am XXXX XXXX XXXX struggling to keep up with my payments and insurance and property taxes. I asked for an Escrow account to be set up in XXXX to assist me with paying my property taxes. In XXXX the company stated they could help me setup and escrow account and that I needed to make my monthly payment prior to them starting the process. My payment date was in the middle of the month and they started the process on the XXXX of the month I had to borrow money from a 3rd party XXXX XXXX and I borrowed {$100000.00} but had to pay back {$2000.00}. This caused me to fall behind on my mortgage because I am on Social Security and have to pay all of my other expenses and my home insurance and property taxes. My home owners insurance went up {$120.00} because I filed a claim for roof repairs. After filling out the required documents for the escrow account to be setup they told me that they could not set one up for me. I had to go to another company in XXXX to borrow money once again to pay my taxes. Since then I am now getting a discount for my taxes for being a XXXX. SPS is now going up {$160.00} on my monthly payment because in the past they paid my taxes and divided the payments over a period of time now they state they can no longer stretch the payments out over an extended period, They sent a letter out in XXXX stating they are going up in XXXX this was not enough time for a person to make any prior arrangements or decisions. I can afford to pay {$60.00} more but now {$160.00} extra I need to pay my utilities, buy food. I just sent them information showing that I paid the taxes a month ago. I really need some one to show compassion and consideration their number is XXXX and their address is XXXX. XXXX XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Thank you for your assistance Regards XXXX XXXX