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

Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

An identify thief stole my information because my husband was hacked because he has a XXXX XXXX XXXX - along with about XXXX other families. XXXX incompetently ran my credit report for the thief. Thankfully, they did n't issue a card, but the inquiry hurt my credit score. I have asked EQUIFAX over a dozen times to remove the inquiry. They have also been asked by XXXX to do so numerous times. Equifax does n't answer the phone and their emails are spam, and they obviously do n't read their mail. They have made no attempt to help whatsoever. 

What is the fine for ruining my credit? My credit score was impacted, and this could potentially have created a higher rate on a car loan or other forms of credit. 

What are my rights and what can you do to make sure this does n't happen to others. Equifax should be fined at a minimum, but those fines should go to the people being impacted and ignored ... ..not to more government incompetence. This would n't have happened in the first place if people like XXXX would secure their servers .... 

Additionally, XXXX says it is their policy to run the credit report BEFORE verifying identity. This seems to be backwards. If this is an allowed policy, it should be changed immediately given that it is nearly impossible to get the inquiry, which negatively impacts your score, removed. 

After weekly calls to XXXX for over 2 months, they are saying that they ca n't find the proof that they sent the request without going to their archives for the fraudulent application. A person named XXXX is supposed to call back within 24 hours to get me their proof that they followed through ( like the other XXXX people who never called back before her ). 

I am copying my Congressman. Let 's see how this new XXXX works - I 'm interested as a tax payer to see this in action - and if it does n't work, it is a huge agency and we should shut it down. It certainly has been a disaster for the mortgage and title industries - let 's see how you do with credit reporting agencies. 

XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I've consistently maintained on-time payments for these accounts. Requesting a prompt update to accurately reflect this practice.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Days late?

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  a servicer for us department of education, completely screwed up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiry, XXXX  up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX  veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX  XXXX i intend to sue XXXX  for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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/block 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX XXXX and debt bondage. 
I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage. The circumstances surrounding this debt raise serious ethical and legal concerns, as it may involve fraudulent or coercive practices that have led to an unjust and burdensome financial obligation.
Product: Debt collection

Rausch, Strum, Israel, Enerson and Hornik, LLC did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.
Product: Checking or savings account

I was given a transaction number from social security when they deposited money to my account today. The deposit never showed in my account I believe the money got sent back to the treasury or deposit in another account. I would like Bank of America to give me my money back or deposit it into my account.
Product: Credit reporting or other personal consumer reports

Hard Inquiries in which I did not inquire. My ssn has been misused in multiple occasions and my credit has suffered because of it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reviewed my credit file and have been turn down for credit due to XXXX XXXX listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at XXXX XXXX who researched and stated that this item should have been deleted back in XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX card and was given to XXXX XXXX to act as their collection agency. When XXXX gave my information over to XXXX XXXX I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please.
Product: Credit card or prepaid card

Merchant lied and said the merchandise was picked up by me and I never did the merchant never got CDL or signature on who picked it up. They only got initials for {$1500.00} worth of stereo equipment. I asked them to provide video to show me on who picked it up and they refused. I explained to them I never received anything and it was not right for them to release the {$1500.00} worth of merchandise without proper identification. I have disputed this many times to the finance company also filed a complaint with the XXXX XXXX XXXX but they always sided with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters via priority mail and fax. I have filed a police report with the XXXX XXXX Police Department via submission number XXXX and an identity theft report with identitytheft.gov via reference number XXXX. I have included this information in each letter which I have sent over 10 times to each credit bureau including the following accounts that are results of identity theft. 

XXXX : Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX XXXX : Account : XXXX XXXX XXXX Account # : XXXX Equifax : Account : XXXX XXXX Account # : XXXX
Product: Mortgage

Please review the following information in reference to dispute of my delinquency on my mortgage. On XX/XX/XXXX we processed a payment with XXXX XXXX  ( XXXX ). This payment was apparently never processed despite them sending us an email that it was processed. Please see attachment .XXXX  XXXX then sold my mortgage to Flagstar XXXX XXXX ) I just recently learned since XX/XX/XXXX my mortgage has been late, it was not reported to the credit reporting because it never reached more than thirty days past due. Flagstar has not made any attempt to advise us of this delinquency via email or via phone. Their statement reflects a fee but does not provide an explanation of what the fee is. Please see attachment Flagstar bank continued. charging late fees until XX/XX/XXXX XXXXThey made no attempt to advise us of the delinquency from XX/XX/XXXX until XX/XX/XXXX XXXXThey have refused to provide proof of any attempts. In XX/XX/XXXX again my mortgage was sold to XXXX XXXX ( XXXX ). I still had no knowledge that my mortgage was late at this point. We received an email from XXXX XXXX stating that we are no longer to make a payment to Flagstar and XXXX XXXX  will begin accepting payments XX/XX/XXXX because of the sale. Please see attachment. My account then hit thirty days past due because of this, even though I had no way to make a payment prior .This is a violation of RESPA This 30 day should not be valid and I want my thirty day delinquency removed off of my credit report .This mortgage delinquency is the fault of 3 mortgage companies Wholesale Mortgage for failing to process the payment .Flagstar for failing to attempt any collection efforts and XXXX  for failing to be available to process payments in a timely manner. I believe all of them are committing a UDAAP violations as result. I am asking for all credit reporting to be updated as well as all fees reversed and applied to the mortgage due to this gross negligence. In addition I want Flagstar to be required to notify of mortgage delinquency by mail for all customers.
Product: Credit reporting or other personal consumer reports

This company has made it its business to report inaccurate information to the credit bureaus. I see so many that I'm curious as to why they are damaging my reputation in this way.
Product: Debt collection

Last week I received an alert that I had some new collection activity from XXXX XXXX. There is an account from XXXX in the amount of XXXX. I do not know nor have opened an account with this company. I would really like some type of proof provided to me such as a signed contract that I opened this account. If that can not be provided to me please cease activity and remove from my credit asap. I was not notified of any sort of the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

I had to put my home on short sale because Wells Fargo did not want to modify my loan and insisted that I need to refinance instead which would have incur another set of closing fees running in the thousands. They 've given me a Pic A Payment loan and because of this, I was able to pay what I can afford each month and the balance of the interest will go right back into an owed to the mortgage. Needless to say my husband passed away and I was left with XXXX income and my daughter was receiving SSI. I 've sent numerous of papers and statements to them and each time I was told they did not receive it and I have a certain date that my application will expire. They 've given me the run around and put me in foreclosure that I had no choice but to sell it at $ XXXX instead of reorganizing my loan to fit this criteria. My daughter and I had to move with family and put my belongings in storage. I did contact the OCC and they were in touch with them to stop foreclosure, but that was all that came out of it. I will have to find my paper works because I have a feeling my income was inflated to get the original refinance for pic a payment. If this was the case, then I guess I can go ahead with a lawsuit as well and recover my losses.
Product: Credit card or prepaid card

XXXX XXXX a car keeps charging my credit card without my consent and chase bank keeps telling me it's not fraudulent. This car was returned back on XXXX on XXXX and my card is still being charged. A charge of almost XXXX was charged to my card on XXXX. I disputed with chase and they said it was not fraud and was charged back to my card in XXXX of XXXX. A new charge has also appeared of {$2100.00} and chase let that go through as well. A representative told me it was not fraud as well. I'll talked with another representative from recoveries department and they disputed it. But my concern is that it will come back again like the charge of almost {$500.00}. I've never seen anything like this in my life. Im never using a credit card or rental company again.
Product: Credit reporting

I disputed to XXXX, Transunion and XXXX the deletion of a paid tax lien ( per the Consumer Assistance Plan whereby the XXXX credit bureaus agreed to a settlement with the XXXX state attorneys generals to delete all judgments and liens. In addition, the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011. 
XXXX has quickly deleted the lien from my report but Transunion and XXXX continue to not delete the item from my credit report.
Product: Debt collection

I have been paying XXXX XXXX, XXXX on a Home Equity Line of Credit ( HELOC ), loan # XXXX. TD Bank continues to incorrectly switch payments I designate as interest to principal and then show interest as unpaid. This has happened nearly every month for almost 6 months and I need to spend over a week every month going to a branch bank and requesting they correct the problem. 

Most recently, I made an interest only payment of {$230.00} to TD Bank on XX/XX/XXXX. Then, on XX/XX/XXXX, I made a {$750.00} principal payment. When I saw the XX/XX/XXXX payment online that same afternoon, it was posted correctly. After overnight processing, when I viewed the account online on XX/XX/XXXX, the payment was flipped out of interest paid to principal paid. Unless I hound the bank to correct this problem, TD Bank can report the unpaid interest for the month to all credit reporting bureaus as negative credit information that hurts my credit rating, which is in the mid XXXX. 

The XX/XX/XXXX principal payment first appeared as a split between interest and principal when viewed online the same afternoon as when the payment was made. Then overnight, the payment flips into all principal. About 6 months ago this problem started. It started around the same time as a former branch manager, XXXX XXXX, in the XXXX XXXX, FL XXXX XXXX office left the branch. She told me that she had spoken to the back office and told them to fix the problem. I think she may have told them to create the problem. 

TD Bank 's XXXX Florida branches and their staff all seem to be wholly incompetent. I 've dealt with TD Bank branches in the states of NJ, VT, PA and FL at various times and only the FL branches have continued problems.
Product: Student loan

I've had nothing but bad experiences with Navient regarding my student loan. I am currently behind in my payments because of an emergency move. I can not make any payments until the XXXX of XXXX. However, when I have tried discussing anything with the Navient workers, they've been anything but helpful. I previously had two payment arrangements made but the money was unable to be taken from my account. I have paid {$6000.00} in order to move into my new rental home. I also just started a new job. Navient calls my parents five to ten times per day asking about the loan. They told my father that my loan would soon be going to a third party if I don't pay soon. Yet, when I tell them I can pay on the XXXX, that's not good enough. I literally do NOT have the money until the XXXX. I can pay it at that time. When I contact my federal loan people, they are more than accommodating because they understand that life happens. Everyone I talk to about Navient says the same thing ... that they're horrible and rude. Please, just help me out here. I have every intention of paying this off, but life happened and all my money literally went to moving into a new place. I've even thought about going to the local media to explain my situation ( not that it would do anything ) but I'm so frustrated. AND STOP CALLING MY PARENTS TEN TIMES PER DAY!
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0400.00} Date Opened XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Tuesday XXXX XXXX I was able to receive a credit report because I kept falling my identity test. While reviewing my credit report I noticed that I had two social security numbers that was attached to accounts on my credit report. I also had an account with wrong information. So, the account with wrong information was " XXXX XXXX ''. This account was from XXXX XXXX XXXX XX/XX/XXXX. I gave them a call because I have XXXX and I didn't understand why my insurance wasn't billed. After speaking with them I found out the information that was on that account was not the same as my information so I'm requesting a dispute. Next was National Recovery Agency XX/XX/XXXX this account was for " XXXX XXXX XXXX ''. This account made me very upset because I have never had my own place and there billing information isnt consistent with mines. Also, I live in Virginia, and I can provide receipts for the last 8 years. Then the last one was National credit adjusters XX/XX/XXXX. This account is from Ohio as well, but the account was attached to a another social on my report and it was around the time I was giving birth to my daughter at XXXX. I believe someone may have had access to my information because I did lose my I.D . While riding home from work on the bus, I was so tired I left my purse and didn't realize it until I got home. 
.
Product: Debt collection

I am a XXXX citizen out of work and living alone. Harris and Harris keep robo calling me asking that I call them about a debt - each time I call they say they are trying to reach a XXXX XXXX ' - I 've lived at this address for 16 years and had the phone number for the same length of time and no XXXX ' has ever lived here over that time period - each time I call them I tell them as much but the keep robo calling - the last robo call I received was on XXXX/XXXX/2016 and I called them back on XXXX/XXXX/2016, explained the above and asked them not to call again - however that 's never stopped them in the past and I expect they will robo call me again. I filed a complaint with the XXXX today, so I 've taken not other action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM TRYING TO BUY A HOUSE AND ITS DEFAMATION TO MY CHARACTER AND LIVELIHOOD. I HAVE ALREADY CONTACTED THE COMPANIES TO WHERE THE ACCOUNT WAS MADE, SENT LETTERS TO DISPUTE IN 2022. I HAVE REPORTED IDENTITY THEFT AS WELL AS REPORTED DATA BREACH.
Product: Credit card

On XX/XX/XXXX I visit a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX first requested my insurance information which I provided. Once they confirmed insurance would cover the services, they proceeded to schedule the appointment. After the appointment ended, XXXX XXXX charged me an amount of {$50.00}. The XXXX never provided further explanation on what this charge was for. This charge was never mentioned to me by the XXXX before the appointment. Instead they decided to charge me after all services were rendered. I then decided to contact chase and open a dispute. Chase never contacted the merchant once to at least ask them about the charge. Chase informed me their reason for not doing a charge back and contacting the merchant is due to " pay by other means ''.
Product: Credit reporting or other personal consumer reports

The Company that placed me under collections does not have any form of forward flow agreement and chain of assignment towards me. While at the same time this company was placed under ban law by the federal government.