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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX RESOURCES I Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX I Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, CREDCO/NEWREZ LLC Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681 this company is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and I did not give XXXX permission to furnish these accounts at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXXXXXX XXXX XXXXXXXX {$110.00} XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$5100.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXXXXXX {$210.00}
Product: Student loan

I did not notice that anything was wrong with my student loans until this morning. I have paid my loan payment through auto-payment for years with the exact same checking account. No information for my checking account has changed. I never received statements from Campus Partners, who was previously my loan servicer until XXXX/XXXX/19. The only info I have received in years, other than tax forms, was notice recently that my servicer was changing. I have gotten no emails, phone calls, or paper bills. 

This morning, I happened to get a notice from one of my credit card accounts that my credit score had changed. I pulled my credit report and discovered my score has dropped from an XXXX to a XXXX! I looked into the details and noticed my student loan payments through Campus Partners were marked as delinquent. This is the first and only time I was made aware of this, and only because I pulled my credit. {$140.00} has been debited from my account automatically on the 15th of every month for years. I tried to access my account on the Campus Partners website to see what was going on, but I no longer show as having an account with them. I also can not access my account through the new servicer. 

I called my bank XXXX XXXX XXXX XXXX XXXX to see if they could help me figure out what happened. They said that they show zero efforts from Campus Partners to draft my account since XXXX of this year. There were no NSFs on my account. Ive had plenty of funds to make the payments every month. Campus Partners simply didnt do what I asked them to do and auto-draft the payment, nor did they tell me it was no longer set to autopay or that payments were late. They simply waited nearly 5 months and then reported me delinquent. Had my credit card not told me my credit score changed, I would still not know. The last draft on my checking account was on XXXX/XXXX/19 for {$140.00}. My bank said theyd be happy to provide info showing that no attempt was made to draft the funds and that no payments had ever been denied. 

Im happy to pay every penny I owe, and I would have already done so, if Campus Partners had told me there was an issue with my payments. Ive never been delinquent on any debt in my life. Ive responsibly paid on this student loan for over 10 years, and I feel it is wrong for them to treat me this way. Ive spent years building my credit score of over an 800. This is simply unethical, and I ask for your help in resolving the issue and getting my credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the dismissed bankruptcies on my credit three or four times now and all I get is the same old response that everyone gets and nothing happens. If the CFPD is just going to except the companies response and close the case then what's the point of this? Those bankruptcies were scams done to me by online companies promising to stop XXXX XXXX  from foreclosing on my home of 23 years in XXXX  when I became XXXX from work injuries. They scammed me for nearly {$3000.00} and I lost the house anyway along with {$40000.00} over the amount I owed on the Mortgae that was kept by XXXX a.k.a. XXXX XXXX XXXX. So thanks a lot CFPD  and I hope everyone who reads this understands that this is all XXXX and nothing will be done you are wasting your time because whatever response these companies throw out there the CFPD will accept it and close your complaint. Here 's my number if anyone needs me to repeat what I just said XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive submitted multiple disputes to Equifax regarding accounts/collections on my credit report being reported incorrectly and with errors, but after their so called investigation the accounts still remain on my credit report after multiple disputes being told that theyve investigated and everything will remain. Ive complained and submitted the same exact disputes with XXXX and they were immediately removed in a matter of less than 24 hours. The accounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Both of these accounts are reporting incorrect account open/closing dates, discrepancies in the payment history and reporting blank payments for months within certain years across the board causing my score to decrease and its not fair.
Product: Debt collection

First my wife attempted to clear the final incorrect billing by dealing with my insurance company and the XXXX  XXXX  Hospital.XX/XX/XXXX XXXX Spoke to XXXX  at XXXX-XXXX-XXXX.  Emailed and faxed to her the EOB.  She said she will have a supervisor call us back.  The email she had me send the EOB to is XXXX, XXXX – floor supervisorNotation on EOB:  NHB -PAID IN ACCORDANCE WITH XXXX  XXXX   CONTRACTNotation at bottom of EOB:  Payment is being made in accordance with NEVADA PREFERRED discount agreement. Please call XXXX  for inquiries.Based on this info and XXXX  XXXX refusal to communicate and accept the insurance ruling, they filed the claim with a claims agency which I succesfully disputed.  Then a few months later, they re-assigned to another claims agency and this time I was not able to dispute the claim successfully.   I have the financial means to pay this and that is not the problem.  It is the principal that they are ignoring agreements made with the medical insurance companies and groups.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$5700.00} XXXX XXXX US DEPT ED XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} XXXX XXXXXXXX XXXX XXXX DP OF EDUC XXXX {$6200.00} DP OF EDUC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have another complaint that 's related, # XXXX. I tried to get my XXXX free credit reports because my FICO scores with XXXX of them were XXXX points different. But I was not able to get my FICO score from Experion without paying {$1.00} for it. At no time did the representative tell me that I was signing up for a credit checking service and she told me what to click and where. She never explained I 'd have to cancel the " free '' service within 7 days, nor where I could do so. They charged me {$21.00} for this service that I did not want, did not order, did not ask for, was never told about, and they would not refund the charges. This is the biggest scam going and these credit bureaus are what all the rest of the good people of this country are being held hostage by and being scammed on a daily basis. It 's no wonder the financial systems in this country are in major trouble. 
It 's shameful that people are being ripped off every minute by the XXXX credit reporting agencies that we 're all dependent on for obtaining credit and that this continues daily with no recourse.
Product: Mortgage

in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the ongoing issue concerning the late open accounts incorrectly listed on my credit report. This marks the multiple attempt to rectify this matter, which continues to significantly impact my creditworthiness and financial stability. Since I have provided all necessary documentation and followed all procedures to dispute the inaccuracies. Despite assurances from XXXX Credit Bureuas that the matter would be resolved, the late open accoun ( XXXX remain incorrectly reported as late but open on my credit file. The persistence of these errors is unacceptable and reflects poorly on your organization 's commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. 

Please help me consider appropriate compensation for the undue stress, time, and potential financial impact I have endured due to these persistent inaccuracies. If this issue got failed, I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. Please help me correct these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Us bank, XXXX XXXX XXXX XXXX  have multiple accounts that have been opened in my name I want this information removed from all database and reporting agencies this is having a negative impact on my financial situation I was the victim of multiple data breaches including the SSA, XXXX
Product: Mortgage

On or about XX/XX/2020, I was approved and received documents for a loan modification with Freedom Mortgage. These papers were signed and returned to Freedom Mortgage on XX/XX/2020. The loan is now current and the next payment is due on XX/XX/2020. 

On XX/XX/2020, I requested an escrow analysis for my account. The mortgage company had a property tax payment amount of {$6100.00}. The correct amount was {$1400.00}, a difference of {$4600.00}. This difference should have resulted in a refund due back to me in the amount of {$2800.00}. Freedom Mortgage provided me with a statement agreeing to this. In that statement, Freedom Mortgage indicates that according to Federal Law, any excess over {$50.00} must be refunded back to me. On At the time the money was applied to the principal of the loan, the loan was current. On XX/XX/2020, I requested the amount be refunded back to me in the form of a check. The representative put in a request to have that done. 

On or about XX/XX/2020, instead of refunding this balance back to me, they applied the balance to my loan in the form of a principal reduction payment. I did not agree to this. Freedom Mortgage needs to refund this money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent letters regarding inaccurate information being reported on my credit report and I have yet to receive a response. I am highly upset and I feel as if no one cares. Section 611 ( a ) states that a failure to investigate items within a 30 day period provides a reason to immediately remove those items from my credit report. It has been about 45 days and they should be deleted at this point. This situation has been really stressful and I do plan on filing for litigation if these items will not be removed. My information was also impacted by the XXXX  data breach and I know that it has got into the hands of the wrong person.
Product: Mortgage

I received a letter from Pennymac on XX/XX/XXXX stating that XXXX YOU RECEIVED THIS NOTICE '' Because HO insurance is required on your property, we plan to buy insurance for your property ... .. ( i will attached a copy for the full language.

I signing into my loan portal with Pennymac and can see that they disbursed the insurance premium from my escrow account on XX/XX/XXXX. I can also see that they reflect a policy expiration of XXXX. 

I then send them a message ( in loan portal ) asking why they would send me this letter with this language when they pay my insurance. They indicated that they need to update their records. Which I can understand but the language is not appropriate for what is actually needed. 

I am reaching out to CFPB because I believe there language is very threatening when I did nothing wrong. I work in this industry so I know better, but other Veteran would not and this caused UNNECESSARY STRESS.
Product: Credit reporting or other personal consumer reports

My data was breached Id like to have it all removed Code:15USC1681
Product: Vehicle loan or lease

Wells Fargo charged me higher fees and interest for my XXXX series XXXX XXXX. The payment didnt apply to the balance and it leased to higher fees and interest. At the end, the repossessed my car wrongfully. 
It was a $ XXXX car that I lost due to their incorrect charges.
Product: Credit reporting or other personal consumer reports

According to my understanding, FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you verify the documents? Some accounts listed have inaccurate reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the dispute results of report XXXX-XXXX-XXXX for XX/XX/18, you stated in writing that you stated in writing that the following collection item was verified : XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MS. XXXX ( XXXX ) XXXX-XXXX for the amount of {$1000.00}. The license of the aforementioned collection agency is expired ( see attachments ). Debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( https : //www.experian.comXXXX  ) during the initial dispute process Experian should have contacted XXXX XXXX  XXXX about the information disputed, instructed XXXX XXXX XXXX to review my dispute, to verify all information reported, provide Experian a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Experian by XXXX XXXX XXXX is INVALID. Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXX  The Lender/Entity Known As JPMorgan Chase Bank took it upon themselves to close my Business Checking Banking Account without Any Notice or Explanation I have had funds lost over this matter in the amount of XXXX, XXXX held in a account that was supposed to be closed and mailed out in a check in the amount of XXXX several months ago! I have called the company repeatedly month after month and been lied to by managers and representatives transferring me between different Representatives and branches of the company telling me my final check for XXXX would be mailed out at the end of XXXX After the review of my account was completed the review has been made and the account has still been in a suspension status past the time they told me the investigation would've completed and check be mailed out!
Product: Credit card

Capitol One credit cards and bank accounts amounts unknown at this point XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX {$330.00} and {$330.00} XXXX XXXX XXXX {$36000.00} XXXX XXXX {$530.00} All are pending upon XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I have several unknown addresses and inaccurate fileinformation thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete all other unknown addressesthey are not correct. XXXX following addresses are not mines : XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX,, XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please remove the extra name from mycredit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer thathas integrity. Furnishinformation about accounts or other relationships with aconsumer that is accurate. C- Conduct reasonable investigations of consumerdisputes According to CRRG, inorder to make a lawful report, you must follow theXXXX XXXX compliance standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX me and my father 's identity were stole by my ex boyfriend he XXXX XXXX and took 2 of my phone 's at the moment and till this day I don't have a phone and my father is in XXXX well my ex boyfriend XXXX XXXX XXXX TOOK ME TOO A HOUSE WERE HE BEAT ME AND TOLD ME THAT HIS FRIEND WAS GON NA KEEP TRACK OF WERE I WAS AT ALL TIMES AND WELL NOW I RECEIVED MY FATHERS MAIL AND LOAN AUTO LOANS AMD WELL MY FATHER ISNT HERE I NEED TOO SPEAK TOO SOMEBODY ASAP PLEASE BEST CONTACT NUMBER IS XXXX XXXX PLEASE I NEED HELP TOMMOROW I WILL BE FREEZING MY FATHERS CREDIT WITH ALL XXXX CREDIT BUREAUS
Product: Checking or savings account

My daughter purchased a pool back in XX/XX/2020. The purchase price was {$150.00} from a company in XXXX. It was suppose to come with a pool, pool cover, and pool pump. What they sent was just a pool and a vacuum pump. I tried filing a dispute with Paypal on XX/XX/XXXX and today, XX/XX/XXXX they told me that the seller is willing to send me a full refund, but I have to mail the pool back to XXXX and pay for shipping. The shipping cost is around {$110.00}, which means that I'm only getting a refund of {$41.00}. Paypal said there is nothing they can do about the cost of the shipping. How is that right? I have no problem sending back the pool, but to pay for the cost of shipping, that is ridiculous! 

Transaction ID # XXXX Invoice ID # XXXX Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX limited Merchant email : XXXX Case ID : XXXX Transaction amount {$150.00}
Product: Credit card or prepaid card

This complaint is against Discover card, I was with this company for 24 yrs until this year when I closed my account due to them insisting that I pay for unauthorized charges that were made on my account. Back in XXXX, I added my son as an authorized user on my Discover card. In XX/XX/XXXX I noticed that there were several charges that were on the account that I didn't recognize asked my authorized user they stated that they didn't make the charges. I called Discover and filed a dispute claim around XX/XX/XXXX. The billing dept. issued credit and then the case was turned over to the fraud dept and they added the charges back on the account. They refused to investigate the seven charges that I asked them to investigate. This problem went on for ten months until I called the merchants myself and investigated the charges and found out that someone else had stolen my account number and made the charges. In XX/XX/XXXX, I sent Discover a letter stating what I owed them and I paid them in full and they agreed and sent me a refund check for {$170.00}. I froze my account in XX/XX/XXXX and removed the authorized user. Discover continued to let charges post to my account after freezing the account and removing the authorized user they let this go on all the way up to XX/XX/XXXX. They informed me back in XXXX that it was because of recurring merchants I asked to please remove all recurring merchants until I can get the matter resolved with the fraud charges. They dropped the ball and continue to let fraud charges be charged to my account. I am XXXX and XXXX XXXX with XXXX XXXX XXXX and Discover has caused my XXXX XXXX XXXX XXXX in the XXXX 's. I paid them and a year later they have come back and added all of the fraud charges and want me to pay them {$720.00} I do not owe discover anything. They owe me {$240.00} from XXXX XXXX a charge that they let post to my account while it was frozen no one else could make charges to my account. I need a lawyer to sue Discover because I've filed complaints with the XXXX and the Consumer Financial Protection Bureau and Discover is determined that I'm going to pay them for something that I didn't buy or receive. I had two accounts with them one account that I had for 24yrs and the other one for about 10yrs I closed both of them and never want to hear of Discover. I am XXXX  and I can no longer continue to deal with this company. I want my {$240.00} and to never hear from them again..