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

Contacted XXXX XXXX XX/XX/XXXX about misinformed information in my file. Sent in my bankruptcy schedules and discharge paperwork. 

Contacted again onXX/XX/XXXX- spoke to XXXX at XXXX XXXX. They said it was fixed and the company needed to repull report. Company repulled my report- the issue wasnt resolved. 

Contacted againXX/XX/XXXX- they said that they needed a release date. Resent the information again asked for a supervisor- none available. 

Contcated again XX/XX/XXXX- confirmed receipt of info. 

Contcated again XX/XX/XXXX- they confirmed that the file had been updated. Advised to pull a new report. New report was not updated. Asked for a supervisor- none available. Left message. 

Contcated again on XX/XX/XXXX- again they confirmed the issue was resolved yet the file still shows the same info. Again asked for a supervisor- none available. Left message. 

XX/XX/XXXX- Mortgage company cancelled my closing date due to information being reported improperly and inability to resolve. 

XX/XX/XXXX- Called the NY office- lady gave me the name of a supervisor at XXXX Contacted XXXX ( Supervisor ) no return call. 

XX/XX/XXXX- reached someone in XXXX- he said he needed to send my inof to a rep in US. He didnt have a supervisor on site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. 

XXXX XXXX {$5900.00} XXXX  XXXX {$840.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$130.00} XXXX XXXX  XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$40000.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX {$410.00} XXXX XXXX {$5500.00}
Product: Credit reporting or other personal consumer reports

On friday XX/XX/2024 i received an inquiry on my XXXX credit report from Navy Federal I strongly believe this is a Mistake because that is my credit union but that inquiry is not attached to an open account.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and permanent deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries were not authorized by me : Fraudulent Accounts : 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion by telephone and by mail on five occasions. I have an active fraud alert and credit freeze on my credit report, however ; inquiries and unsolicited credit offers continue to occur. I was told by Transunion that I must have a police report to remove fraudulent inquiries that I did not authorize. As a credit reporting agency, Transunion should not provide a copy of my credit report without my consent to creditors unless i have an existing relationship with them. The following inquiries were not authorized by my and I demand that they are removed. I believe that Transunion is discriminating against me based on my gender and ethnicity. I provided Transunion with dates and the name of each company. I did not authorize these inquiries. <P/>XXXX XXXX XXXX VIA XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Mortgage

Complaint #  XXXX  - I have not received any documents from my request of  XXXX   XXXX ,    2017  this is an QWR and Debt Validation request sent to  : OCWEN Loan  Servicing, LLc and  XXXX   XXXX   XXXX .     No answers just copies of a appraisal and copy of the canceled Note? This is not the answers asked under the QWR and debt validation letter sent to both companies. This has been ove r one mon th now.     Complaint #  XXXX  - No answer yet to my question. This has been over 1 month now.
Product: Credit reporting or other personal consumer reports

I was a victim of a XXXX XXXX XXXX  or so ago. Unfortunately, when they took my money, phone, and wallet, they decided to take my identity. I've been battling with the Credit reporting agencies for months in an attempt for them to block the information from my consumer report.
Product: Debt collection

I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..
Product: Mortgage

I refinanced my home mortgage last year ( XXXX ). As part of the process, I was told that flood insurance is now required to be collected by the mortgage company in an escrow account. Previously, I had a flood insurance policy and paid for it yearly. The flood policy never lapsed, since I purchased my home in XXXX, but due to this new requirement, I am paying nearly 25 % more to the escrow account for the same flood policy. In addition, I received a letter yesterday stating that they are collecting for my homeowners insurance, and I have a past due amount of {$600.00} owed to the escrow account. I pay my own homeowners insurance, and again, this has never lapsed since I purchased the home. I have not authorized them to pay my insurance, and I do not want them to, because it will likely end up costing me more as with the flood insurance. This is also the second time my mortgage company has attempted to collect money for my homeowners insurance. 
Is there a way to put my flood insurance back in my control? Also, can you please look into why this company continues to attempt to collect money they are not entitled to? This appears to be fraud.
Product: Credit reporting

I recently pulled my credit report and found that Experian reported wrong information into my report. 
I am requesting that these accounts must be assessed for accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE-INSERT ALL ACCOUNTS BACK ONTO MY XXXX OR DISCHARGE ALL DEBT VIA XXXX AND CEASE ALL CREDIT REPORTING OR BE SUED. FURNISH LETTER FROM XXXX, WHY?
Product: Debt collection

Starting a few months ago, I began receiving calls from Spring Oaks Capital. The caller, apparently the same woman each time and calling from XXXX, starts by saying she's calling about a past due account with her organization, and she mentions XXXX or XXXX. 

I respond the same : It's not me. I've never borrowed from those places and never would. 

She then asks me to prove it by giving her my DOB. 

I tell her I'm not going to do that. It's not my responsibility to prove to her that she's looking for the wrong person. 

Each time she calls, we go through the same dance. 

I'm tired of it, and I sure hope you'd slap them with some kind of fine or whatever.
Product: Credit reporting or other personal consumer reports

Please see the attached letter; please note that I am submitting the complaint against ALL three bureaus : XXXX, XXXX and Transunion. 

There are several documents ( verifications ) that will be submitted too. 

If I have to submit for each bureau ; please refer to this original-first submission for ALL the documents/ Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The medical insurance I am covered under was delayed in making a payment to XXXX XXXX XXXX, but eventually paid out. Despite this insurance payout occuring several months ago, I have continued to receive 5-6 calls per day from State Collection Service ( PO Box XXXX, XXXX, WI XXXX ) and have a derogatory mark on my credit report with all three bureaus -- with the exception of XXXX, who reviewed a dispute I opened and removed the collection from my report. XXXX investigated and the debt collector did not agree to remove the collection, so I requested a more thorough investigation. The XXXX investigation is ongoing. My credit has been ruined as a result of this inaccurate collection and the phone calls are bordering on harassment.
Product: Vehicle loan or lease

On XX/XX/2024 I purchase of XXXX XXXX from Camelback finance  dealership is XXXX XXXX XXXX XXXX the miles on the car was XXXX when I got the car. It was no work performed on there no tuneup. It wasnt even an oil change on XX/XX/2024 I had to take the car to XXXX XXXX department because the gas tank of the car was humming when I took the car to XXXX for a diagnostic. They told me the car couldve potentially blew up or catch on fire for the labor and repair parts it would cost me {$670.00} which I called Camelback finance about this matter they gave me the number to the service department which never worked no answer or anything they was more worried about the payment than me being in a car that was life-threatening they repoed the car on XX/XX/2024. I told them that I could not afford both payments to the car and to the service so I chose to pay for the car service from XXXX on XX/XX/2024. I told them that I can make the payment for the car on XX/XX/2024, but they refuse around that time they asked for half of the payment which they never have asked me before and I tried to give them half of the payment before, but that wasnt an option at the time. They sold me a lemon the purge valve was very bad the rotors the spark plugs were awful XXXX quoted me {$2200.00} for all of the cost for the repairs of everything that needed to be done on that car I called and ask if could I pay through that online portal which is cheaper it was never an option every time I asked them about it was some excuse to why the online login did not work so I just kept paying more than what I was supposed to have paid they sold me a Lemon, a bad car and played on my intelligence
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 filed Bankruptcy chapt.7. Items not to be reported and a stay was on the account until XXXXXXXX XXXX Paid as required. Then COVID occurred. Called Capital One Auto Finance, they are still showing in bankruptcy. Told me to call the Bankruptcy Dept. Did call. They told me to not pay during covid and granted a forbearance. I asked for how long, they said till further notice and after out of unemployment due to covid. 
I received notice they're reporting it late on credit. During Covid. I called again, they said again, have to go thru the bankruptcy dept ( BK ). BK said not supposed to be showing on the Credit report due to forbearance AND they still have it in BK status. Not supposed to be reported. 

Still reporting late and overdue. Received 3 verbal confirmations- in forbearance, not supposed to be paying OR reporting during COVID. 

Currently have several reported late pays and affected FICO score greatly. Cost me 1 job, I lost due to deliquency
Product: Credit card or prepaid card

I siggned up for the XXXX XXXX XXXX credit card through XXXX XXXX on XX/XX/XXXX. I called on XX/XX/XXXX when no card arrived. I was told they would ship out another one. I called again on XX/XX/XXXXwhen no card arrived again. I called again on XX/XX/XXXX when no statement or card had arrived. I received the statement on XX/XX/XXXX. They said it was mailed on XX/XX/XXXX. IT does not take 11 days for a statement to arrive. It has a due date of XX/XX/XXXX to which I can not make a payment because there is not enough time ffor it to make it to them and I still have no card to set up online bill payment. I was told sorry we mailed it. out. I received the USPS servcie where they send pictures of your arriving mail. I can show where it was never in any of my incoming mail not that it was lost it was NEVER sent. XXXX was who I spoke to
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash App ( Block Inc. ) Due to inadequate customer service and unfair practices, which violate the Cosumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 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, credit repair services, or other personal consumer reports

( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX681b of this title. 
( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting

a state tax lien is showing up on my credit that does n't belong to me for {$1200.00} and its affecting my credit score.
Product: Student loan

In have a question : My student loan was purchsed by American Education Services recently. They sent me a statement showing XXXX due. I mailed a payment of {$100.00} which should have been applied to the principle, but they applied it to interest. When I called about it, they stated that payments go to interest first. That is fine, when there is a balance due, but there was no balance due when I mailed the payment. Please advise. 
XXXX : XXXX University XXXX XXXX, CA.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department XXXX XXXX XXXX I believe that the Department XXXX XXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. The details of my complaint are as follows : XXXX. Creditor 's Name : Department XXXX XXXX XXXX. Account XXXX : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department XXXX XXXX XXXX XXXX specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., Equifax, XXXX, XXXX ]. Furthermore, I have noticed that the XXXX XXXX XXXXXXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department XXXX XXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. I believe that the Department XXXX XXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department XXXX XXXX XXXX XXXX its reporting obligations and corrects the interest charge. I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the XXXX XXXX XXXXXXXX XXXX XXXX support my complaint. I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint. You can contact me at [ Your Email Address ] or [ Your Phone Number ] if you require any additional information. Thank you for your assistance in addressing these issues.
Product: Debt collection

XXXX is a medical bill that I have no Knowledge of result of Identity theft.
Product: Credit reporting or other personal consumer reports

I wrote a formal dispute letter multitude of time came back verified, I have faxed ID LETTERS EMAILS, XXXX XXXX XXXX deletion of said XXXX they have made my life a homeless one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under 15 U.S.C. 1692 ( c ) Incorrect Reporting of Accounts Dear XXXX, I am writing to formally dispute the inaccurate information listed on my XXXX credit report under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692 ( c ). The following accounts on my credit report are either inaccurately reported or do not belong to me : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX mn XXXX XXXX #. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX Fl XXXX XXXX # XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, SD XXXX XXXX ) XXXX # XXXX. 
XXXX ) XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX #. XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX # XXXX XXXX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX # XXXX As per the FDCPA, I am requesting that you verify the accuracy of these accounts immediately. If any of these accounts can not be verified, I request that they be promptly removed from my credit report. 

Please send me a written statement confirming that these disputed accounts have been removed or corrected on my credit report. I also request that you provide me with a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period as required by law. 

Sincerely, XXXX XXXX XXXX