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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear Experian, After recently reviewing my credit report, I noticed unauthorized credit inquires that were not disclosed to myself while I was recently auto shopping. I gave permission for XXXX XXXX XXXX to prepare my vehicle purchase application and pull my credit report for nancing but I DID NOT provide consent to sharing my credit report or consumer report information with various nancial institutions. This type of action is considered unethical and violation of my consumer rights being as though I had no communication nor did I provide authorization allowing these additional nancial institutions access to my consumer report. Under law ; 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 the written instructions of the consumer to whom it relates. 

I did NOT authorize the following inquiry listed below. This inquiry was not obtained with my consent and appear to be a violation of my FCRA rights under law 15 U.S. Code 1681b-Permissible purposes of consumer reports. 


Below are the results of inaccurate reporting of my information. Please delete immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised under consumer law 1681n. Civil liability for willful noncompliance 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 


Please remove these erroneous inquiries IMMEDIATELY and send me an updated copy of my credit report. 


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

I paid my outstanding balance in full as of XX/XX/18 and contacted Rise XX/XX/XXXX after viewing my credit report. The XXXX report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via XXXX. On XX/XX/XXXX I received notice from XXXX the dispute was complete and reviewed my credit report. The update submitted by Rise indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted Rise on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.
Product: Credit reporting or other personal consumer reports

When I went to the car dealership, I was informed that they would only run my credit once to assess my eligibility for a car loan. However, to my dismay, it became evident that they had run my credit multiple times without my consent. This action by the dealership raises concerns about their compliance with the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. It requires businesses to obtain consent before accessing an individual 's credit report and limits the number of times a credit inquiry can be made without permission. By running my credit multiple times without my consent, the dealership violated the FCRA 's provisions, which aim to protect consumers ' privacy and creditworthiness. 

Credit Inquiries 31 ( 1 ) EXPERIAN XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX ( 4 ) XXXX ( 5 ) XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX XXXX ( 9 ) XXXX XXXX XXXX ( 10 ) XXXX XXXX , XXXX ( 11 ) XXXX XXXX XXXX XXXX ( 12 ) XXXX  ( 13 ) XXXX XXXX XXXX ( 14 ) XXXX XXXX XXXX XXXX ( 15 ) XXXX XXXX ( 16 ) XXXX XXXX XXXX ( 17 ) XXXX XXXX XXXX ( 18 ) XXXX XXXX ( 19 ) XXXX XXXX ( 20 ) XXXX XXXX XXXX XXXX ( 21 ) XXXX XXXX XXXX ( 22 ) XXXX XXXX ( 23 ) XXXX XXXX  XXXX ( 24 ) XXXX XXXX  ( 25 ) XXXX XXXX ( 26 ) XXXX XXXX XXXX ( 27 ) XXXX XXXX ( 28 ) XXXX XXXX XXXX ( 29 ) XXXX XXXX XXXX XXXX ( 30 ) XXXX XXXX ( 31 ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I need to be able to have my account open for online transfers to receive money
Product: Credit reporting, credit repair services, or other personal consumer reports

Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX Capital One XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX These are all companies that should not be on my hard inquiry XXXX account because I did not consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS. WHY DO I STILL SEE IT ON MY CREDIT REPORT?? 

ACCT # XXXX XXXX XXXX SS # XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Account opened XX/XX/XXXX Last Payment XX/XX/XXXX Last Date XXXX XXXX XXXX XXXX, XXXX, XXXX per XXXX XXXX XXXX. 
Phone : XXXX On XX/XX/XXXX @ XXXX XXXX  I was contacted by a young lady @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX aged debit from XXXX. I advised that I had been contacted by Midland Credit Management Inc.XXXX XXXX and Midland Funding LLC regarding the same debit. The young lady advised that XXXX XXXX owns this debit and asked if I had paid them. I advised NO and she said I should not pay them as they own the debit and they are unable to report this anymore due to reporting age of debit XXXX XXXX, XXXX. 

I advised the young lady that I had disputed the items with Midland 3 different times and each time I dispute the items Midland go out and update the Date Reported date with the current date. 
Example : I just open a dispute on XX/XX/XXXX with XXXX. 
XXXX XXXX updated date reported to reflect XX/XX/XXXX amt. XXXX as Charge off status. Acct # XXXX Midland Funding acct XXXX shows date reported XX/XX/XXXX amt. XXXX as Charge off. Acct # XXXX Midland Funding XXXX XXXX XXXX updated date to reflect XX/XX/XXXX amt XXXX as Charge off. Acct # XXXX I am not understanding how this company is able to keep updating the report date nor am I understanding how they are able to report on this if XXXX XXXX owns this file. Also for the original debit Last Date of Delinquency shows XX/XX/XXXX how every for each one of Midland shows XX/XX/XXXX. 
I am trying to understand how is it that one company can report an items 3 different times by only changing account numbers and rounding up balance amount. 
I have tried to work with this company and they want the money and then advise they will not move dispute. I would like to ask to have this business reviewed as this is not fair for the consumers as I understand I owed the debit but to reproduce a debit from XXXX ( 3 times ) in one month is over the top. 

Thank you in advance for your time in reviewing my letter and hopefully assist me with this matter.
Product: Debt collection

My mortgage was serviced by XXXX XXXX XXXX XXXX when foreclosure was initiated on XX/XX/XXXX. XXXX XXXX XXXXXXXX, XXXX was assigned the mortgage in XX/XX/XXXX. The mortgage was later foreclosed, following a foreclosure sale of the property, on XX/XX/XXXX, according to court records. The fair market value at the time of the sale was approximately XXXX and the property sold for XXXX. The property was sold to XXXX XXXX  XXXX ( the previous beneficiary ) as trustee of XXXX XXXX XXXX XXXX on that date. 

XXXX reported the foreclosure on my credit report and noted that the account had been transferred/redeemed/foreclosed on XX/XX/XXXX. This is where I believed the foreclosure saga had ended, factually and legally. In contrast, records sent to me from XXXX in late XXXX indicate that XXXX maintained an account in my name on behalf of XXXX XXXX XXXX and charged in excess of {$50000.00} for various home improvement, cash keys bonus, trash pickup, and other charges between XX/XX/XXXX and XX/XX/XXXX. 

Apparently, Nationstar bought all of XXXX 's debt or loans sometime in XX/XX/XXXX. Nationstar sent a welcome letter to me demanding payment for {$62000.00} on XX/XX/XXXX. The welcome letter also stated that the loan was being serviced on behalf of XXXX XXXX XXXX. I did not timely receive the letter owing to my own fluctuating living circumstances. 

In XX/XX/XXXX, I received two XXXX for the property ( XXXX XXXX XXXX ) : a XXXX from XXXX discharging {$200000.00} and a XXXX from Nationstar canceling debt in the amount of {$94000.00}. ( See Attachment A. ) When I first reached out to Nationstar inquiring about the XXXX and why they were reporting discharged debt, I received a letter stating that the XX/XX/XXXX letter demanding payment was sent to me in error and no amount was owed to Nationastar. ( See Attachment B. ) I  followed up with the customer relations official named and certified on the letter, but she offered me no help or guidance on the XXXX itself. 

A year has passed and I am still attempting to get a corrected XXXX from Nationstar. I called customer relations on XX/XX/XXXX asking for a corrected XXXX. I sent the letter to another official in customer relations, as she demanded proof for the fact that Nationstar had previously informed me that no amounts were due to the company. In response to my XX/XX/XXXX dispute and request, Nationstar ( D/B/A Mr. Cooper ) sent a letter indicating that it would not issue a corrected XXXX and that records indicate that a remaining balance due on a loan in the amount of {$210000.00} was cancelled on XX/XX/XXXX. That remaining balance is allegedly {$94000.00}, which is reflected on the XXXX. 

As a result of two mortgage lenders claiming that they discharged debt on one mortgage for one property ( a property that sold to a third-party for {$240000.00} on XX/XX/XXXX ), I am facing a tax liability of nearly {$25000.00}. I am going to pursue insolvency for tax purposes, but I am in no way accepting liability for Nationstar 's alleged debt discharge. And, I am submitting this complaint today to shed light on these practices.
Product: Student loan

I have been trying to change my loan repayment plan since XX/XX/XXXX. I initially applied for the XXXX plan and did not receive any updates from Ed Financial regarding this application. In XXXX when PAYE became available I submitted another application for this program. I did not hear anything from Ed Financial until I called XX/XX/XXXX and was told the application was on hold because of missing financial information. I had not been notified there was missing information until I called. I submitted the requested information that same day. I called on XX/XX/XXXX to see if I had been placed in processing forbearance and the representative told me that I was getting PSLF credit for all of this time. After looking further into the matter I determined that this was likely not true and called back today ( XX/XX/XXXX ) and was told that I remain in general forbearance and that Ed Financial has 66 days to process my application and will not be changing me from general to processing forbearance. I don't understand how I don't qualify for processing forbearance that will count towards PSLF as I have been waiting for 4 months. 

I have been trying to restart payments since XX/XX/XXXX, all I am asking to do is give them money and get PSLF credit and I am not making any headway. I also should be in a processing forbearance as I have been applying for repayment for 4 months. Please help me get into processing forbearance and back on a qualifying repayment plan
Product: Credit reporting

I had my report pulled XXXX XXXX, 2015 and discovered some items that were either not mine own personal debt or unverified information. XXXX Acc # XXXX I have been in contact with XXXX XXXX XXXX and I was told that this account was not found in their records.
Product: Credit reporting or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

There 's a problem with my loan. I am not behind in my payments but I may have to rescind the loan. I acquired the property in XXXX with an FHA mortgage. XXXX XXXX XXXX was then the lender. In XXXX I did a refinance and Citimortgage became my new loan servicer. 
In XXXX I applied to Citimortgage for a Home Affordable Modification Plan. When the bank did not respond to my request, I filed an application with the XXXX for help in getting a mortgage modification. At this point, Citimortgage responded and agreed to work with me on a modification program. Although I was current in my payments, they set up a Forbearance Agreement that relieved me from making the regular monthly payments for three months. I realized that they were putting me in danger of foreclosure but I went along with the program since I was on a fixed, low income and needed to reduce my monthly expenses. 
During the forbearance period, I applied to XXXX for a mortgage forensic audit to be done through the Consumer Mortgage XXXX XXXX. The auditor found XXXX serious violations in the loan documents. I called several real estate lawyers hoping to find someone who could help me investigate the errors, but none of the lawyers wanted to address my inquiries regarding the violations. 
Citimortgage did follow through with the loan modification and my monthly payments were lowered. However, I was upset that they put me back to a 30 year mortgage knowing that I was age XXXX at the time. Now I 'm looking to put my estate in order and I 'm concerned that my heirs may have problems taking over the property when I pass on. So I logged on to the XXXX web site to see what I could find. I entered my FHA Case Number as listed on the copy of the Security Deed from my current lender. When I clicked Submit, the following message came up : " No MINs can be located that match the search criteria entered. Verify the search criteria and resubmit. If you need assistance to make sure your search criteria are valid, use the link to see Help. " Under the Help link I entered my home address. Then an MIN number came up that was XXXX digit off from the number on my copy of the Security Deed, so that the MIN number on the document is incorrect. With all these violations and discrepancies, I 'm very concerned that my property may not pass on to my heirs after I die. 
I 'd like to know : Who owns the title to my home? 
Into whose account are my monthly payments going? 
What do the violations mean that were found on the forensic audit and how do they affect my loan? 
Will I get clear title when the loan is paid? 
I did not contact Citimortgage regarding these matters because I doubt that they would act fairly on my behalf. I would like someone from the CFPB to investigate and find out what my options are at this point. 

Thank you. 
I look forward to hearing from you.
Product: Money transfer, virtual currency, or money service

I had {$900.00} dollars in my Cash App account that I did a transfer for on XXXX at XXXX to my bank account. I did not do the transfer immediateIy since that was going to cost extra. I thought once I did the transfer the money would be safe. I have the face ID as well as the pin number confirmation on my account for transfers. I got a notification from my bank that someone was trying to cash app themself money and I declined the transaction. I went on my account and someone had changed the name, the email, removed my phone number and did an instant transfer from my account to the MasterCard for the money that was pending deposit. this occurred on XXXX at XXXXThey did an investigation and on XXXXdetermined there was fraud on my account and asked that I make a new account, send them the information and I would be reimbursed. I have emailed them multiple times and have not gotten a response since that email asking for my new info. The only was to contact them is through the app via email
Product: Checking or savings account

on XX/XX/2022 I made a dispute for some unauthorized transactions for approx $ XXXX On my credit karma money spend account. 
on XX/XX/2022 I received a letter from credit karma stating that per Regulation E guidelines we have issued you a provisional credit to your account for $ XXXX and you now have full access to these funds while we finish investigating your current dispute. 
That letter obviously was just to make it look like they are in compliance with Regulation E when really they are not. 
I didn't receive any provisnal credit on XX/XX/XXXX nor do I have access to any of those funds. 
They are clearly in violation of the federal guidelines, all while attempting to act like they are in compliance. 

They shouldn't be able to get away with this without penalty Guidelines are in place to protect the consumer and this company is clearly doing it how they want to do it. 
This company is obviously trying to buy more time and avoid issuing the appropriate provisnal credit.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX 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 Balance XXXX {XXXX} ; XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXXXXXX Balance : {XXXX} ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX XXXX Balance : {XXXXXXXX} ; XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX XXXXXXXX Balance : {XXXX} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {XXXX} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX} ; XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send me XXXX XXXX XXXX including : 1.balance sheet, 2.XXXX XXXX, 3.XXXX XXXX XXXX XXXX XXXX  ), 4.XXXX  XXXX Balance Sheet, 5XXXX, 6.XXXX registration statement, 7. XXXX XXXX 8. XXXX XXXX XXXX call schedules. 
9. 1099-C Your failure to send these documents within 3 days you agree to pay Me {$3000.00} in the form of a check.
Product: Vehicle loan or lease

I purchased an a new 2015 KIA XXXX XXXX. I had FULL COVERAGE AUTO INSURANCE thru XXXX. The financing company isKMFUSA.On XXXX XXXX i had an accident. XXXX deemed my car a total loss. a couple of days later. 
KFUSA sent XXXX a letter of guarantee with incorrect amounts. XXXX contacted KMFUSA for a corrected ltr of. guarantee KIA FINAN CIAL KMFUSA has not followed through on MULTIPLE OCCASIONS.

The total loss dept at KMFUSAis a highly protected dept where I can not contact them directly. I have emailed them and have had NO SUCCESS.
Product: Debt collection

Hi, I just got reported a collection for {$2000.00} on my credit profile in XX/XX/XXXX that it was filed from Jefferson Capitol system ( case XXXX  JCS Reference Number XXXX ). 
I would like to confirm with them that I have already paid off in full in XX/XX/XXXX with another collection company named XXXX ( agency file no. XXXX XXXXXXXX ). Could you please help communicate with them to remove this debt ( XXXX  account noXXXX  ) from my credit profile. I also have an evidence that related to this debt and last payment I made with the previous collector. 

Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my son 's social on my credit file I have provided Experian now twice a copy of my social security card and the issue is still not fixed. Please help My social is  XXXX  and my son 's is  XXXX  I want his social off of my credit file and anything else belonging to him