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

On XX/XX/2020 XXXX XXXX XXXX Main office pulled my credit report without my consent. I called XXXX XXXX that day multiple times and eventually spoke with XXXX XXXX who works in the mortgage department. His boss is XXXX XXXX. I spoke with him at XXXX. They advised they were working with another borrower with the same name, when trying to get her pre-approved for a mortgage they pulled my SSN which was in their system from an old application instead of hers. This resulted in multiple credit inquiries from XXXX XXXX and Advantage credit inc ( a company they use for credit review ). I was advised they would fix this and remove the inquiries but nothing has happened. I also have concerns that they breached my security and discussed my credit score and credit information with the applicant. I want to know exactly what information of mine was disclosed to her and I want the unauthorized inquiries removed as they lowered my credit score and caused me to have a higher apr on a refinance offer.
Product: Credit reporting or other personal consumer reports

i disputed an item on my credit report that was supposed to be removed and Experian said it was deleted but it was never removed and remains on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for immediate and urgent removal of the following unauthorized/unrecognized/unwarranted inquiries from my XXXX, XXXX and transunion credit reports. 

XXXX ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX Dealer ... ... XXXX XX/XX/XXXX XXXX XXXX ... XXXX XXXX XX/XX/XXXX XXXX  XXXX  co XXXX XXXX XXXX XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX  ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX  ... ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  mortgage Serv ... XXXX XX/XX/XXXX XXXX Auto finance ... ... ... XXXX XX/XX/XXXX Action taken by me : All accounts are in dispute. Thanks for your prompt assistance.
Product: Mortgage

Our home flooded during the XXXX floods in Louisiana. Because we have a mortgage our insurance settlement money is being managed by Chase, our mortgage holder. They require a signed contract with a general contractor to release funds. We have already had work done to our home due to the delays in getting our settlement. Just like thousands of others we are displaced. If we did not have flood insurance Chase would not be involved so why do they have to be involved when it is OUR insurance money?
Product: Bank account or service

THE CITIZENS BANK ON XXXX XXXX AND XXXX XXXX WHICH IS LOCATED AT XXXX XXXX XXXX XXXX. THE MANAGER XXXX IS VERY DISRESPECT TOWARD ME THIS IS NOT THE FIRST TIME. I CAN NOT CONTINUE WITH THIS BANK WHICH IS CLOSE TO MY HOME AND I DO NOT LIKE GOING IN THERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
Product: Checking or savings account

I opened my account w citizens in XXXX online through the link that promised me XXXX if I met all the requirements which I did and another XXXX dollars for every debt card transaction for the first 60 days up to XXXX dollars. Amount was supposed to be paid to me XX/XX/30, still have not gotten my bonus, customer support is awful.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns and frustrations regarding the disputes I have filed with Experian. Despite my efforts, I have been unable to resolve several longstanding issues on my credit report, with some items remaining unresolved for approximately 7 to 8 years. 

Each time I have disputed these items, I have not received a satisfactory resolution or a reasonable agreement on how to clear them. As a result, I have become increasingly disappointed in the accuracy of Experian 's reporting, which I had previously relied upon. 

As someone without extensive experience in credit disputes, I am unsure of how to effectively navigate the process and negotiate with companies to remove these disputed items from my record. I hope that Experian will take my concerns seriously and assist me in resolving these longstanding issues. ''
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

XXXX XXXX XXXX
Product: Consumer Loan

My due date for the loan is the XXXX of every month but I do n't get my retirement check till the XXXX which I fall in the category of making the payment before the 10 day Grace period. The problem is that every time I make my payment, all of the payment is going towards interest and none to principal. Plus the loan balance is increasing. I have complained and question why all of the payment is going to the interest and none to principal and they says that everyday my payment is late causes more interest. I will think this company is taking advantage of poor people and something needs to be done.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$790.00} ; XXXX XXXX XXXX XXXX  : {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

i submitted a complain 2 days ago about this company and it lies they are depositing check in my account allthough we were promised and told that they dont have those payment my last complain is XXXX they have since withdrawn another XXXX from my account this manager which here phone number is XXXX XXXX XXXX she promised that they have no payments and she will reimburse me any fees or payments
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX  you furnished alleged transaction ( s ) on my XXXX and TransUnion that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 

You have XXXX Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX XXXX  # XXXX Without Recourse UCC 1-308
Product: Mortgage

By mistake, I paid property taxes. Mortgage company paid them as well out of escrow. The contact numbers I used are : XXXX or XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against cash app ( Block , Inc ). Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and adress 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 under the requirements under the electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$620000.00} XXXX XXXX XXXXXXXX CU XXXX Balance {$11000.00}
Product: Student loan

I had to file bankruptcy due to high student loans and unable to find a job to pay loans with high interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act this creditor ( ALLY FINANCIAL ) has violated my rights under 15 U.S Code 1681 section 602 states I have the right to privacy. 15 U.S Code 1681 section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S code under section 166-B a creditor my not treat a payment on credit card account under a consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, XXXX XXXX XXXX HAS REPORTED A LATE PAYMENT TO THE CREDIT BUREAUS WHICH IS INACCURATE AND INCORRECT INFORMATION ON MY CREDIT REPORT. THE MONTHLY PAYMENT FOR THIS AUTO LOAN IS THE XXXX OF THE MONTH, WHICH I HAVE PAID THE AMOUNT ON THE XXXX. XXXX XXXX XXXX HAS REPORTED THIS FALSE INFORMATION ON MY CREDIT REPORT AND IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS AND ATTACHED THE PROOF OF PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Auto Financing XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Auto DealersXXXX New XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fil ed two disp utes to update the following informati on one  on  X/X/17    and one on  X/XX/17    - nothing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :  XXXX  Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting  an Open statu s, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and ne eds to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is reporting no term which should reflect 360 months. The payment status is incorrect on Experian and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wednesday, XX/XX/2019 I attempted numerous times to open a dispute on Experian web-portal about 4 inquiries on my current credit report. After several seconds, an error message displayed " due to technical difficulties we are unable to process your request '. 'Please try again later ''. This number was listed to call - XXXX however ; there was no option to speak with an representative and the call automatically disconnected me. I called all of the numbers associated with Experian, including the number your representative provided - XXXX, and the same problem existed. I directly contacted the companies listed on my report as the ones who made the inquiries and their representatives had no record of these inquiries or any financial dealings with me. 

I had my data exposed under the XXXX, XXXX XXXX and XXXX  breaches therefore ; I am highly concerned about the fraudulent inquiries reported on my Experian credit report. ( I ordered my XXXX  credit report and these inquiries were not present. Additionally, I ordered my XXXX credit report however ; it must be mailed. ) Please help me contact Experian to dispute the inquiries in question on my credit report. 

Kind regards
Product: Debt collection

Repeated phone calls from numerous numbers, even spoofing their number with a local area code number so I would answer. Left threatening messages ( I could not download to my XXXX  to save ). Started to call my family members and children and told them if i dont pay the debt, ill be sent to jail. I asked for debt validation and they said i need to setup a payment account first.
Product: Mortgage

On XX/XX/2021 and XX/XX/2021 payments from my Escrow account were payed to the wrong parcel number. The amounts were XXXX and XXXX respectively. My mortgage company is Freedom Mortgage and they didn't even know a mistake was being made until I received a past due notice from XXXX XXXXXXXX Real Estate Tax Office. Freedom mortgage then payed the correct parcel number from my escrow account which caused my escrow account to be lower than it should. To remedy this they are charging me a higher monthly payment to catch up my escrow balance to where it should have been. When I asked Freedom Mortgage to contact XXXX XXXXXXXX Real Estate Tax office they did, however they followed up with me to let me know they couldn't fix their mistake and that I needed to call and ask for a refund. It was only when I reached out to the tax office that they informed me that there wasn't just one incorrect payment but two, costing me more than XXXX XXXX dollars which was pulled from my escrow account and paid to the wrong person 's account. Not only did Freedom mortgage make a mistake, but they weren't able to fix their mistake. Therefore I had to handle their mistake with the tax office and in the interim I would be charged a higher monthly payment until I fixed their mistake.
Product: Credit reporting or other personal consumer reports

I am attempting to secure a car loan but there is a fraudulent collections account on my report. It shows Transworld added this to my credit report on XX/XX/XXXX for an account with XXXX opened on XX/XX/XXXX. This is a Maryland based company and I moved to PA in XXXX. This is not a real account. I called the XXXX # provided by Transworld on the credit report XXXX and it goes to a gift card scam. I explained why I was calling and they hung up on me. This has been reported at fraud with XXXX as well. 
There was not account # given for reference
Product: Debt collection

In XXXX or XXXX, I co-signed a vehicle loan for my son through XXXX XXXX XXXX, with an outstanding balance of {$7100.00}. Recently, I have been contacted by Investment Retrievers Inc., which claims that this debt is now theirs and that I opened a new loan with them on XX/XX/XXXX. This assertion is not only inaccurate but also indicative of predatory practices within the debt collection industry ( Ok ). As someone who has relied solely on XXXX XXXX XXXX during the pandemic, I did not open any new loans during this period ; therefore, the allegations made by Investment Retrievers Inc. are unfounded and fraudulent.

The implications of such erroneous reporting extend beyond mere inconvenience ; they have significantly impacted my credit score. The Fair Credit Reporting Act ( 15 USC 1681 ) mandates accurate reporting of consumer information by credit agencies and creditors ( Ok ). The burden lies with Investment Retrievers Inc. to provide verifiable documentation proving that I indeed entered into a loan agreement with thema task they have failed to accomplish thus far. Their actions not only violate federal law but also contribute to a broader pattern of deceptive practices in the financial sector. 

Given these circumstances, I formally request the removal of this inaccurate information from my credit report to restore my name and mitigate further damage to my financial standing. It is essential for consumers like me to be protected against fraudulent claims that can tarnish their reputations and hinder their ability to secure future loans or credit ( XXXX XXXX XXXX ). My case underscores the necessity for stringent enforcement of consumer protection laws in order to preserve integrity within financial transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct XXXX I called and spoke with Ms.XXXX and she indicated that if I paid my debt that they would delete the collection report. I ask them to provide documentation to the fact and she indicated that is not something we do. As a consumer who has a debt on her credit report that she is willing to pay based on what was indicated how can a reputable company make an offer but then not summit it in writing. I then ask to speak with a manger and she indicated her manger was busy and couldnt talk to me. Then she proceeded to say that I could either pay it or not. She didnt indicate the managers name is Ms.XXXX. My concern is now is if this is a reputable company and if so how/why make an offer and not be able to provide it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXX Date Opened XX/XX/2016 Balance {$0.00}