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

I have unrecognized inquires on my credit report, I would like the following inquiries to be removed. 


XXXX XXXX XXXXXXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - non specific XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and public record XX/XX/XXXX XXXX
Product: Debt collection

They sent me a letting stating that I need to come to court, XX/XX/year> at XXXX XXXX  the amount is {$10000.00}. I sent them a letter asking for verification that I owe them. They have the right to get the money from me and a breakdown of whats been paid.
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things that were reporting incorrectly. I sent multiple letters to Experian, XXXX, and XXXX asking them to validate the Bankruptcy Account and investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters to the bureaus asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). The response I received was it was verified through XXXX XXXX. After this, I requested a copy of my consumer report from XXXX XXXX and verified if this account was actually on the report and it wasn't. I also called XXXX XXXX to confirm this information and I was told that there was no Bankruptcy showing on my consumer report and that they did not receive any request from the credit bureau requesting for verification of this account. I am beyond upset and frustrated, that a company that is supposed to report complete and accurate information on my customer report, can flat-out tell me false information and then verify the validity of this account. I also sent a letter to the XXXX XXXX XXXX XXXXor XXXX XXXX ( county appearing on customer report that is reporting ), who states that they do not furnish debt collectors or credit bureaus any information. This is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ), just to name a few!

As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!
Product: Mortgage

I took a XXXX loan from USBank and feel like I am getting seriously jacked around. I have tried to be reasonable with USBank but they think they don't even need to communicate with me. I have to talk with XXXX XXXX from USBank to get my money back from XXXX XXXX and XXXX which totaled around XXXX dollars. I thought we were getting on track but apparently not. XXXX months later my balance was at XXXX. XXXX charged XXXX interest, XXXX charged XXXX in interest, XXXX charged XXXX in interest. I have already sent XXXX payment and can imagine will be along same line. Balance has been the same at XXXX the whole time. My payments are XXXX every month. I feel like I am not dealing with a national bank but rather a high interest loan shark with the XXXX. I know this is not correct but USBank won't even talk with me about. Can I get some help?
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and permanently removed from my credit report due to my status as a victim of identity theft. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information blocked from my credit report, and I request the removal of these items without delay. 
The fraudulent accounts I am disputing are as follows : XXXX. XXXXXXXX XXXX XXXX XXXXccount XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Account Name : COMPLETE CREDIT SOLUTI ( Original Creditor : XXXX  ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX my mortgage was transferred from XXXX XXXX to Roundpoint Mortgage Servicing, my final payment was misapplied showing me as more than 31 days late. In XXXX of XXXX  this was rectified by XXXX XXXX and Roundpoint. During this time my credit was affected and Roundpoint has charged me late fees. My account still shows over 31 days late for each month.
Product: Debt collection

On XX/XX/XXXX I received a notice from Portfolio Recovery Associates , LLC stating that they were trying to collect debt owed to XXXX XXXX. My wife contacted them trying to get this resolved. The amount of debt was {$1600.00}. After my wife had been on the phone for over XXXX hours she finally found out that the account number on statement was not mine. The address they had for statement had been going to an address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The account ending XXXX was not my credit card number. I closed my account ending XXXX in XXXX. I filled out forms that was sent to me with the information requested to prove that this was fraud. I just received notice dated XX/XX/XXXX that after they had reviewed the documents related to the account and establish its validity. My wife called them again and they suggested to fill out this form and go from there. I don't know how else to prove that this is fraud other than I have lived in XXXX XXXX XXXX for over XXXX years.
Product: Debt collection

They call my phone at least  13 ti mes a day but they always call from different numbers. They will call 5 times from  one phone number and then use other numbers throughout the day. My phone rings every hour, sometimes within 30 minutes of the last call. This has been going on everyday since   XXXX  .
Product: Mortgage

Equiant  ( XXXX XXXX ) haven't respond to none of my letters to get out of the time share when I was only 2 weeks in the time share from XXXX  XXXX  I never received a responds and been trying to go so many ways to get out of XXXX XXXX time share, do to lost of my home because of lies of the XXXX XXXX, I have talk to multiply people at XXXX XXXX said they received the letters and would get back to me by letter or call they also lied about that as well, now I'm really in debt do to covid-19 struggling with XXXX kids. please i just want this account completely deleted off my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX was never late XXXX I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Student loan

I submitted my documents ( application and Hours ) for XXXX XXXX XXXX XXXX in XXXX within the time that was allowed for the waiver to include aditional advantages due to covid. 

My information was received by XXXX XXXX and I received a letter on XX/XX/XXXX stating They needed to to confirm information on my application. I called them back and they stated they need to clarify the XXXX numbers of my employers. I gave them the XXXX numbers again and I was told that I would receive notification within the next 2 weeks. I never received any communication from them after that. 

I followed up a few months later and was told by XXXX XXXX that they were in the process of transferring to Mohela and that they could not locate my account. I was told to wait 90 days since I submitted a new application and that my account had been transferred to Mohela. They gave me the number to mohela to follow up with them. I contacted mohela several months after to confirm my application. The stated that they could not locate my account and to call back in about a month as it was likely in the process of being transferred. 

Now it is XX/XX/XXXX, almost a year later. I have spoken with Mohela and my account information submitted to XXXX XXXX is no nowhere on file. They tried several ways to locate it but still have no record of my application I am now being directed to fill out another application and am being told that the deadline for the limited waiver has passed. Somehow my application was lost in the transfer process and Mohela is telling me that there is nothing they can do, regardless of the documents I have from XXXX XXXX stating that they received my information. 
I was told that I was being transferred to a manager to discuss further and after an hour and a half on hold, a customer advocate answered. She told me the same information and directed me to reapply. she also told me that since the deadline was past, I would likely not be granted the waiver.
Product: Credit card or prepaid card

Fraudulent American Express Account Dark Web alert distribution : XXXX  XXXX with Impersonating representatives Unable to contact American Express No access to account or card ; unaware Possible mail theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 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 a 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 to any 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 following ( XXXX, Experian, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( AES/PNC XXXX XXXX opened XX/XX/2005 XXXX {$0.00} )
Product: Mortgage

On XX/XX/2020, RP Funding made an insurance payment to my hazard insurance company in error. RP Funding acknowledged the erroneous payment in a letter dated to me on XX/XX/2020. RP Funding indicated that they were waiting for my hazard insurance company to refund the money. The amount RP Funding paid, without my consent or permission via the mortgage agreement to the hazard policy was {$440.00}. RP Funding subsequently went through and attempted to correct their payment and accounting error by making approximately seventeen ( 17 ) different entries into my mortgage account. 

My mortgage documentation will reflect that the only permitted and authorized insurance payment that is being accrued is for flood insurance, not hazard insurance. 

On XX/XX/2020, RP Funding unilaterally and without any notice of Escrow Account review, unilaterally changed the agreed to escrow contribution from my mortgage payment from {$25.00}, to {$38.00}. The net result of this was an unexpected increase in my principal balance, as well as an increase in my interest payments. 

On XX/XX/2020, I received a notice from RP Funding that they were unilaterally increasing my escrow payment by {$41.00} per month to cover their error in paying the hazard insurance. 

RP Funding took MY escrow and made a payment error. It is my expectation that RP Funding replenishes the payment they made in error, {$440.00} from their own funds to restore my escrow balance to where it should be for my upcoming flood insurance policy payment, the ONLY insurance payment agreed to be made by RP Funding in my mortgage documentation.
Product: Credit card

The credit card company has reduced my credit line for the XXXX time in the last 4 months. 
The XXXX time happened on XXXX, with the explanation that it was based on information from XXXX. I called their customer service to find out the reason for this, and they submitted my request to reinstate my credit line, which was denied on XXXX by email. 
I have checked my credit information from XXXX, and my report shows my credit scores have increased more than XXXX points in the last XXXX days, and my credit card usage has dropped more than 10 %. I have nothing but positive progress shown on my credit reports. 
I have not been late on any payments to anyone, and due to a change of employers, with a substantial increase in income, I have been paying even larger payments on all my credit cards to eliminate my debt. 
These reduced credit lines from Citi is creating negative impacts to my credit scores for no reason. The first time they lowered my credit limit I was given the explanation that my XXXX was too high, which only worsened the issue. 
With Citi, they have penalized me for using their cards, and now are penalizing me for not using their cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXccount number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app parentheses ( Block, INC. ) due to an adequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and Unprotected furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electric fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience in financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with LVNV FUNDING LLC, but there is a collection on my credit report claiming that I owe a debt to your company for the amount of {$500.00}, but I am confused where this misinformation is coming from. I was never informed that this debt was sold to you therefore I am a bit skeptical making a payment to an unverified company. Also, my balance with the original creditor is not the same as the balance that you are reporting on my credit report. Please explain how this meets FCRA requirements. Lastly, I have not received any proof that this account is mine especially since the balance is not correct. My personal information was involved in a data breach, so it is quite possible that my information was compromised. Please provide the original contract with my signature, correspondence that was sent to me to inform me that the account was sold, a copy of my photo id and social security card, the amount in which you purchased the debt, and a license to collect debt in the state of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Sect 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Product: Debt collection

After watching an infomercial on TV about credit and how it is important to check it regularly, I decided to check mine even though I rarely use it. I discovered an unknown account on my credit from a company called Enhanced RecoveryXXXX it says its for XXXX. I have had XXXX XXXX XXXX for the past 10 years and I have never had an account with XXXX. I don't know where they- Enhanced Recovery get their data from but this is far from the truth!! I have also loved at my address for 10 years and I have never received a notice or call from them. I feel like my rights have been violated. I have sent them a dispute notice and I have yet to hear back. I know the pandemic has slowed things down a bit- I get it- but the account should have never been placed on my credit in the first place. 

ENHANCE RECOVERY ACCOUNT XXXX
Product: Credit reporting

There is grave discrepancy on my Experian credit report that urgently need correction. I have copies of my current credit reports through third-party services like XXXX XXXX and XXXX XXXX, which clearly show the matter in dispute. This issue is depressing my Experian credit score by around XXXX points, when compared to my XXXX report, which correctly does not list the issue as a derogatory. All other information listed on my XXXX credit reports is essentially identical. 

In order to file the dispute with Experian, I need a " credit report number '' from them. However, each attempt to access it through Experian or XXXX fails to produce the necessary report with its " credit report number. '' I always receive an error " We are unable to honor your request, '' even though I have submitted the correct personal identification information multiple times, even from different web browsers. 

If third-party services can pull the current report on demand from Experian, there is no reason Experian itself should not be able to produce the report ( with the " credit report number '' required to submit the dispute ) with the identical personal information. 

This feels like a scam to get me to purchase some reporting service from Experian, which I do not need, except to report the mistake in their records. 

Please advise a path forward for either receiving the required " credit report number '' or to submit a dispute to Experian without it. 

Thank you.
Product: Payday loan, title loan, or personal loan

There's 2 issues, Privacy and Interest/fees. 

I took out a loan for {$1500.00} ( possibly went up to {$1800.00} ), and I somehow now owe collections ( on my credit report ) {$2300.00} for Speedycash. They started taking out {$500.00} payments every two weeks, and I'm sure I paid over {$4000.00} in payments to them over the course of months, maybe even more. How can I owe {$4000.00} + {$2300.00} for a {$1800.00} loan?! I guess I didn't understand the paperwork but this ruined months of my life and forced me to take out another payday/installment loan with someone else to pay my rent. And of course that snowballed into a disaster. 
One point it got so bad I had to put a stop payment on an autopayment from them to pay my rent and they somehow got my debit card number ( I never gave it to them ) and made a payment to them on that. I think you can see in my emails attached I filed a Fraud report. I definitely filed one with XXXX XXXX. Now all of that was sent off to collections and I still owe them money somehow. So depressing. 

Now I can't get apartment because my credit score is too low and this is the only bad thing on there except for {$270.00} for my old cable box I think? 

Please help me figure out how to settle with them without paying them even more money. I feel so taken advantage of.