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

To whom this may concern. I need the assistance of your department. Im having issues with either US BANK or the credit reporting agencies. It has gotten to the point of just down dirty disrespect!! 
Whats going on is, this is the third time my score has been abusively pushed back to the mid XXXX. During the past 2.5 yrs. of building my credit, It has had various highs and lows of which I thought nothing of until just recently! 
I was using XXXX XXXX as a method to monitor my credit. After achieving a XXXX score the next reporting cycle my score dropped to XXXX?!! Which was the score I had when I first started building my credit. I contacted XXXX XXXX and was told that I have a thin file ( meaning I have no history ) and I need to contact the USBANK. Before I contacted US BNK I received an email from XXXX urging me to check out my credit score thru their credit view. When I clicked on the link I was directed to USBNK  login. I logged in and found out that my credit history was available I click on the latest history and saw that my score was reduced to XXXX! Then the following report it was increased to the mid XXXX again. So approximately XXXX points vanished from my credit score. 
When I saw that I felt cheated and disrespected. I started to wonder is this the reason Im having a hard time breaking XXXX? 
This is my third complaint about inaccurate reporting of my credit history. Ive reported the first two inaccuracies to the, Consumer Recovery Department. I dont think me writing to them again is going to stop this foolishness and unfairness! 
I feel that Im personally being held back for reasons I have yet to discover. These feelings may not be reality but looking at where my score is and comparing it to my history seems to be really hopeless, daunting, discouraging and a attack on my finances which are real feelings. 
I want a investigation started to solve this problem and I want my score adjusted back to XXXX plus the points I earned while Im waiting for this to be resolved. 
Ive included pics of my credit history thru XXXX ( credit view ) via USBANK or visa versa. I notice that when my score was deducted points, there were a lot of points taken. But when I gained/earned points the amount was minimum in comparison. 
If you need to contact me, I can be reached at XXXX or XXXX XXXX XXXX Thank you
Product: Credit card or prepaid card

I recently  received a letter from Citi bank that states that their " records reflect that you previously enrolled in Credit Protector, an optional debt protection program offered by Citibank N.A for witch you were charged a monthly fee. '' The go on to say that " if you believe that you were enrolled without your consent or knowledge of the program or costs ore benefits, you may go to www.citi.com/refundinquiry and submit a claim ... '' My concern is that I received this notice with no knowledge of what was happening so I called them. The people I got that I talked to m ade it sound like I have the opportunity to re-enroll into their program and that it is a service that they provide. They are so facetious about it that it sounds like a scam and I was n't going to do anything. I looked your article up on the internet and see now what is going on. Should n't they be more upfront about this? It is very concerning to get such a letter in these times when there are so many scams out there and they give little to no information about what is going on and make it sound like I have the " opportunity '' to re-enroll in their credit protection program.
Product: Credit card or prepaid card

To whom it may concern, I have a Macy 's Credit Card that was current and paid in full and in good standing. In XXXX and XXXX of 2017 I missed two consecutive payments to my Macy 's Credit Card. I made my payment in full, and to my understanding when I made my full payment, Macy 's charged me prorated interests after my payment was made. So my two consecutive late payments where due to interest that was left over in the account. I was unaware of this, but when I became unaware, I quickly brought my account current.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I initiated contact with TransUnion regarding inaccurate information present on my credit report. Despite the passage of time, I have yet to receive a response from them. The discrepancies I wish to address are outlined below, alongside the necessary corrections : Account Details : Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account was never overdue. 
Request : Kindly rectify this erroneous data in my credit report. 
Account Details : Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account was never overdue. 
Request : I respectfully ask for the correction of this inaccurate information on my credit report.
Product: Debt collection

XXXX  continues to tell me that I owe. Several times I had told XXXX that account had been satisfied. I sent an email telling XXXX account was satisfied. I have forwarded XXXX a copy of receipt that account was satisfied.
Product: Vehicle loan or lease

In XX/XX/XXXX I went into US auto sales in XXXX Georgia they were trying to sell me the cheapest car on the lot I settled for a XXXX XXXXXXXX XXXX  for $ XXXX the finance charge was $ XXXX plus and I dont understand why however they said I would be able to make the payments and technically gave me the car Ive been paying every two weeks and the balance does not seem to be going down
Product: Credit reporting

I have contacted Equifax and provided them my police report, my drivers license, copy of a bill, and social security card and made them aware that multiple inquiries appeared on my credit report as a result of identity theft. I have asked them to investigate the matter in accordance with the FRCA, but they have refused to do so. I have asked multiple times in writing that the fraudulent inquires be removed from my credit report, and Equifax refuses to do so. The following inquiries are fraudulent. 

XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) These are not my inquiries and were initiated as a result of identity theft and should be blocked from my credit file since they are not mine and therefor not a true and accurate record of my credit history.
Product: Money transfer, virtual currency, or money service

An identity thief set up the account and I want to close it. He used an email from XXXX say I was being charged {$290.00} if I did not order call XXXX then he switched the call to XXXX said he would stop further charges and refund my money which has not been taken out yet. 
He called himself XXXX XXXX. XXXX This happened XXXX When I refused to give him my new debt card no. He got angry.
Product: Checking or savings account

Fraudulent account had money deposited into it. Im guessing false checks and more things of that nature, the bank has since sent collection notices to my home and has negatively affected my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX XXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX XXXX breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account
Product: Debt collection

there was a debt collection on my credit report so I started contacting rash Curtis and Associates in XXXX California over 6 months ago after not being able to reach a settlement with them to get this removed from my report I then did a fraudulent report online through the government website for identity theft at that point I sent them letters and emails with both those documents including documents were sent to the hospital where the original debt was from and now I keep sending them emails every week and they still will not remove this from my debt collection report this is a fraudulent debt from XXXX hospital California
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax 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, Equifax '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 against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that i've marked as inaccurate XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Theres also address not associated with me : XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX
Product: Mortgage

I am trying to purchase a second home through quicken loans. They are requiring a relocation letter from my employer even though it is a second home purchase and I am not relocating. Because of this they have decided to deny my loan. I have tried numerous times to get in touch with my loan officer, and his team lead, and they have been suspiciously unresponsive. I have tried as best as I can to reason with them and come up with a solution but they have been unresponsive and unwilling to work with me. They chose to tell me this 14 days before the closing date of my purchase agreement not leaving me enough time to go through another lender. They have been extremely unprofessional and have not communicated well throughout this entire process. I have spoken with other loan officers with other lenders and no one can see why a relocation letter would be required for a second home. It was also never once mentioned as a possible need before the loan application was submitted to underwriting that a relocation letter would be needed.
Product: Debt collection

The account in question was opened without my knowledge or permission and I request this debt to be removed. XXXX XXXX is attempting to collect a debt that was open fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and used it to open bank accounts and credit cards this is so frustrating please help me
Product: Mortgage

On XX/XX/XXXX, I noticed that XXXX XXXX XXXX Loancare '' had debited my escrow account {$2900.00}. They claimed the amount was sent for my taxes to XXXX. The problem is that I no longer owe taxes on my home due to laws in Texas for vets, XXXX and elderly. When I called and told them that I owed no taxes and asked them for a bill, they could not provide one. They admitted that they had never been billed by my tax authority and had no idea where the amount came from. They " started '' a process to fix it. I waited two weeks. I contacted them again. They had done nothing on the account. This time the customer service rep was rude, she screamed at me. She claimed that I was at fault for them sending the amount because " you have only been with us two years and you must not know how much your taxes are and if you don't owe taxes it is up to you to stop us from sending money each year. '' When I said that was bogus, she blamed the postal service. When I wouldn't accept that, she left me on hold for an hour and hung up. I made a complaint to the XXXX  They restarted the 30 day period but still did nothing. I had to call XXXX, the tax authority when they got the check from the escrow on XX/XX/XXXX. I had to ask them to refund it and resent it to the escrow. That has been done. Loancare has still not credited the account. I sent Loancare, on XX/XX/XXXX, the copy of the tax bill showing that I don't owe taxes last year and won't owe them this year. My escrow review is this month and they have had more than two months two fix this. They have done nothing. They are intentionally trying to triple my escrow payments to make money on my escrow. They have not fixed my 2021 estimated taxes. They have not fixed the issue with them sending ( with no tax bill ) all of my escrow account to an entity that did not even have money owed. They continue to make promises over many, many phone calls but do not make a single change to the account. They have far surpassed the 30 days they have by law to fix and reply.
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four XXXX {$1300.00} XXXX Acct. # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. On the XXXX account, the address is completely off. No wonder, I did not receive the document. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to XXXX XXXX  and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Product: Mortgage

This complaint is to inform CFPB of the unfair and cruel way that my mortgage company have been treating me since the year XXXX when I started to have problems paying my mortgage due to hardship. At the end of XXXX, my husband divorced me which change the household income from around {$85000.00} a year to around {$20000.00} a year making it very difficult for me to make ends meet considering that I was a single mother of XXXX children with no help what so ever. This is when I reached out to my mortgage company asking for help with my mortgage. I placed numerous calls to them and I even applied XXXX times for a mortgage modification in which I was declined both times. Since then I have continued to ask for their help only to have them decline me of any available services and/or any assistance that they could have provided me with. Instead of helping me, they wanted to foreclose on my home. Then I managed to bring my mortgage payments up to date, however, they refuse to send me monthly statements since XXXX of XXXX leaving me with not knowing how my payments are being applied to my account, what are the extra charges that they are applying to my account, what my mortgage balance is and what are my official monthly payments. This has caused extreme stress on me!
Product: Debt collection

First Financial Investment has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account.
Product: Debt collection

I was contacted this morning around XXXX by the XXXX XXXX XXXX # XXXX. The caller poorly informed me/refused to tell me who they were or why they were calling until I confirmed who I was. After I did, they went straight to telling me about a debt they were trying to collect, of which is a credit card debt that can only be from more than 6 years ago. My credit report doesn't even show it anymore, it has been written off completely ( I verified this with two companies ) In others words XXXX is still trying to collect old debt that isn't even legally due anymore. I also found it incredibly rude that they refused to they me who they were before I " verified '' who I was. I didn't want information other than who they were.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me as 120 days past due on the XXXX XXXX XXXX and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting or other personal consumer reports

Experian has failed it's legal obligation within fair credit reporting act to conduct a reasonable re investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnisher accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. these failures align with my experience where Experian has neither corrected nor removed disputed items dispite the evidence provided causing a ongoing harm to my credit standing, I am requesting immediate corrective actions to remove or amend the disputed accounts as Experian inaction violations federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Cash App failed to protect my account from hackers, resulting in {$24000.00} unauthorized transactions for illegal gambling. 
My Cash App account was compromised for 5 months without my knowledge. Despite reporting the issue, Cash App denied my claim ( XXXX XXXX reimbursement ) stating transactions were " authorized by me or someone I authorized. '' Their investigation ignored evident hacking and blamed me instead. 
Investigate Cash App 's security breach and claim denial. Seek reimbursement for {$24000.00} unauthorized transactions.
Product: Student loan

I have two FFELP loans serviced through Navient. Both have been enrolled I. IDR/IBR since entering repayment in XXXX. My annual recertification was due in XXXX, with my current plan expiring on XX/XX/XXXX. 

I followed the instructions to submit my recertification application on studentaid.gov on XX/XX/XXXX. This is the same process I do every year. My application was processed on XX/XX/XXXX. The IRS sent a notification of access to the IRS data retrieval tool dated XXXX. 

On XX/XX/XXXX I contacted Navient because my account had not updated. I was told that I did not submit my recertification documents. My IDR plan was not approved and my payment would be increasing on XX/XX/XXXX. 

After explaining that I did submit these documents, I was told that they did not receive them. Navient can not access information from studentaid.gov or request information from them. I would need to upload a recalculation request directly to the Navient website. I asked that my account be put on hold while the issue was straightened out so that my XXXX payment would not increase. I was told that because I was already in forbarence or had used that time, that was not possible. 

I confirmed with the representative that a recalculation would cause my interest to capitalize ; adding an additional almost {$2000.00} to my loans and extending my loan term. I also asked why I couldnt apply for forbarence or deferment when I have never used either option! I was told that because I did not submit my information I had effectively forfeited my income-based plan options. The representative emailed me the steps to submit a recalculation. I refused to do either! 

I became very frustrated and asked that my call be escalated. I was given this information twice! Finally I was passed to XXXX XXXX. She explained that it was studentaid.gov who was experiencing technical issues. She COULD request my documents be resent. And could expedite my recertification. I was told this process would likely take until XX/XX/XXXX. I received an email stating my plan was approved later that day. 

Had I not argued, in tears, with this company for two hours, I would owe them another {$2000.00}! I only knew to fight it because I had this happen before and had almost {$30000.00} added to my balance several years ago!!! I will never get out from under these loans because they provide false information and trick borrowers out if repayment plans and benefits!
Product: Debt collection

I am somewhat a local celebrity down here in XXXX Florida and I have lost my wallet and has fraudulently opened accounts under my information.