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

There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

XXXX  is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX Tidewater Motor Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a case number from a former complaint case # XXXX On XX/XX/XXXX I received a loan modification from Nationstar Mortgage ( my former mortgage company was XXXX ) when Nationstar took my loan over my loan increased almost XXXX, which I questioned several times but no one at Nationstar could tell me. That 's when I sent you the complaint and then the XXXX was taken off my loan. One of the many times I called and questioned was on XXXX/XXXX/XXXX I called Nationstar and asked why my loan went from XXXX to XXXX ref # XXXX also another ref # XXXX for property inspection fees and legal fees. For XX/XX/XXXX until I sent you the original complaint I never missed a payment. When I talked with XXXX XXXX employee # XXXX today, XX/XX/XXXX she stated this had been one of the complicated cases she had ever seen. I then call XXXX @ XXXX which was the one that was suppose to send me papers which I never received. One of my problems is they have NEVER sent me mod. Papers to sign like XXXX told me and several other Nationstar employees have told me. Another problem is why should I have to do a whole other modification when it was Nationstar 's error? Nationstar said today that they denied the modification from XX/XX/XXXX because I never sent the signed papers back. I never received the modification papers. Please help me this has gone on way to long. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

X/X/17 Experian experienced a cyber security failure exposing my personal information to unauthorized use and potential identity theft. 

I have verified through Experian 's website that my personal information was indeed accessed. I did NOT sign up for their free services. 

I intend to place a fraud alert on all of my accounts. This will cause a significant issue accessing needed funds. 

I believe a I am entitled to fair restitution and believe CFPB should persue a case against Experian for these failures to secure our personal information.
Product: Debt collection

True Accord has contacted me via email asking me to pay an unvalidated and unverified debt. True Accord 's emails are false and misleading. I did not give True Accord permission to contact me.
Product: Debt collection

Noticed on credit report XX/XX/2021 disputed with the company and resolved but still reporting {$190.00}
Product: Debt collection

On XX/XX/XXXX I got an email from XXXX XXXX alerting me that a collection had been placed on my account for XXXX XXXX XXXX  on behalf of XXXX XXXX in the amount of {$120.00}. I never knew any thing about this balance spoke to XXXX XXXX XXXX on why they didn't call me they stated that they don't know why, but they mailed out a letter but I have moved from that address since then. I went on and paid the balance in full on XX/XX/XXXX and ask for them to give me a paid in full letter and to have it removed from my credit report, they stated that they would but it is still on there and they didn't provide me with any documentation. I'm asking that this be removed from my report. I'm in the middle of closing on a home, and have no collection on my report besides this one, I'm asking that this be removed from all agency as soon as possible thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and XXXX  stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this collection company called me during a covered pandemic hardship that my son and I were facing as me being a XXXX XXXX raising him alone and it seem to be a problem with insurance company not processing their in of the payment to the hospital but I also explain to them that we were going through this and then today they decided to go ahead and report this to the credit bureaus when they know that were going through a pandemic crisis theyve been informed by phone when they called me and the situation that were facing as I have notified all of the other companies that we have accounts with as well including all of our credit cards and all of our loan company and the loan companies all of which I have unemployment insurance with that still have not reported that properly to the bureaus all the way because they were notified on XX/XX/XXXX at the start of this situation and there should be reporting no late payments or miss payments. As I got all of them three loan companies the proper and appropriate paperwork right away as of XX/XX/XXXX of 2021.
Product: Credit card

Hello, you wonderful folks -- you helped me with a problem I had with XXXX a couple years ago. Right now I have a query about an XXXX card I stupidly took out to buy XXXX item, which cost maybe {$30.00}. The card is issued by Synchrony Bank. Well, I forgot to pay it off right away, got behind, and now I have late fees on top of late fees. I have already paid more than {$200.00} to XXXX, but because of the late fees I still owe {$260.00}! XXXX has now referred the account to XXXX for collection. I do n't dispute that I bear some responsibility in this, but is there a limit to how many late fees they can pile on? I would be happy to settle the bill for a portion of the {$260.00}, if they would agree to that. I also need to know if I should pay Synchrony or XXXX, because I 'm still getting bills from both. The only payment records I could find are from my attached bank statements -- XXXX is under XXXX, the other under Draft XXXX. But I believe I have made other payments.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XX/XX/2024
Product: Mortgage

What happened is that I submitted a loan modification to my lender Crown Mortgage Company my account # is XXXX there phone number XXXX back on XXXX/XXXX/2015 I provided all the documents necessary that Crown asked for a proper review. Last document that the lender asked for was a water bill that I faxed over on XXXX/XXXX/2015 for them to have a complete package to submit to underwriting to review. I then receive a denial letter on XXXX/XXXX/2015 that was dated XXXX/XXXX/2015. From what I was told from numerous attorneys is that when the lender has your file complete it takes a minimum of a week to properly review a file check with FHA guidelines escrow analysis and what not. There was no way that Crown could decision my loan modification in 1 day. Crown said that the loan modification was rendered unaffordable do to my finances which as they have calculated is a lot less then what I submitted to Crown mortgage.
Product: Debt collection

I mailed West Asset Managment a validation of debt request letter on XX/XX/2015. 

Pursuant to the Fair Debt Collection Practices Act, I requested the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. 

I requested the information be furnished to me within 30 days or all collection activity cease and negative accounts be removed from my credit reportsWest Asett Management failed to respond to my validation request within 30 days from the date of their receipt. 

I received a letter dated XXXX/XXXX/2015 from West Asset Management stating that " pursuant to the enclosed debt verification, West Asset Management , Inc. and it 's client ( XXXX XXXX XXXX XXXX ) have concluded that the information on my credit report is accurate ''. However, there was no enclosed debt verification attached to the letter they sent me. 

West Asset Managment does not have a license to collect in the state I reside in ( Missouri ). 

I believe West Asset Management is unethical and nlawful debt practices.
Product: Credit card or prepaid card

I made a payment to my account that did not reflect on my credit. I called the credit card company ( Citi Bank ) and they told me my bank has not processed they payment. I contacted the bank and they said they did process it. In order to expedite to the situation and have access to my funds to make a medical payment I decided to make a manual payment via debit card. Once I made the payment my account was closed and I was told my bank put a stop payment on my account which I was not aware of. Now I am in debt of the account that is now closed, this account is also a secured account.
Product: Money transfer, virtual currency, or money service

I received a call stating that someone had used my XXXX account to purchase a new Cell Phone. 
XXXX XXXX  XXXX  was to be my source bank to process the cancellation of this charge. 
The got as far as trying to get XXXX to send {$300.00} to their email to deposit that money to recover the the theft of the charge to my XXXX account. 
XXXX correctly placed a hold on this payment. 
When the criminals called again to verify the transfer I explained that I had reported them to The FBI! I also told them some very caustic statements for my pleasure. 
Another bad guy from XXXX XXXX XXXX stifled at his own game.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Cash app allowed someone to hack into my cash profile that I have had since XXXX. Once in there they were able to change my personal phone number and name. Which prevent me from logging into my very own cash app account. I called cash app to report this activity and was able to log in through my email to retrieve my hacked account. Once I was able to get back into the account, I had discover that all of my funds was taken from cash app and also my banking account and payments was made over to XXXX XXXXXXXX XXXX someone I have no clue of. I spoke to cash app about this and was advised an investigation would be done. Going forward I tried to log into my account on XX/XX/XXXX and realized once again my account was stolen by the same person XXXX XXXX. I was to retrieve the account back by verification of the cash app card that I was provided with through cash app. Once again I spoke to cash app about these attacks and also ask about my XXXX dollars that was taken from me on XX/XX/XXXX. They proceeded to tell me my account my compromised and they were not able to give my money back due to it was authorized. Im filling this complaint because, Ive showed Cash App all of the documents and bank statements that my whole profile was hacked and all my money was cleared out of my bank. They are no longer trying to help me with the underlying of this issues and I feel this is an inside cash app employee thats able to change these profiles to steal from the users.
Product: Checking or savings account

I have checking account with overdraft protection with PNC bank.On Wednesday XX/XX/2019 my checking account balance has negative $ XXXX in checking and positive balance on reserve a/c has {$480.00}. I knew and that night I deposit CASH through ATM in amount of {$1000.00} and came home check balance again and it was balance was positive {$110.00} and reserve has same as before {$480.00}. so there is no need to transfer money from reserve account. everything good, but i woke up in the morning and check balance again it was negative $ XXXX and I CASH deposit again {$200.00}. Also I requested from XXXX XXXX online casino ACH deposit total 12 ACH transaction on tuesday XX/XX/2019 so there is more money come into my checking account. I called XXXX XXXX and their third party money transection provider XXXX XXXX  they told me they sent fund to your bank but they don't know when they release fund to your account.
Product: Credit card or prepaid card

XXXX discriminated against me when applying for the Sony Rewards Visa card & is attempting to cover up that they discriminated against someone who has/had their income derived from XXXX ( which is illegal to be taxed )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXXebt bondage, which falls under XXXX  according to XXXX-XXXX  Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX reaching out because I found multiple inquiries from your company on my credit report that I did not approve. I have not applied for any services that would warrant these inquiries, and I am deeply concerned about how they got there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

After resetting my password, temporary passcodes take 8+ hours to arrive. So when I attempt to login to my computer I have to plan my life a day ahead of time. XXXX   XXXX Back refuses to send me these passcodes
Product: Credit card or prepaid card

I was offered a promotion from Capital One bank to add a credit card to XXXX XXXX whereby I would receive a {$25.00} statement credit within 1-2 statement cycles. The dates of the promotion was XXXX. I added my capital one credit card ending in XXXX on XX/XX/XXXX. I received a confirmation email from Capital One on XX/XX/XXXX stating that they had successfully added my credit card ending in XXXX to XXXX XXXX. 

I waited 4 statement cycles and have not received the credit. I contacted customer service at Capital One on XX/XX/XXXX and spoke with a front end operator and a supervisor named XXXX ( Operator # XXXX ). He refused to honor the promotion, claiming he had no record of it, he was too lazy to bother looking it up online despite me giving him information on where to find it, and would not forward my request to the marketing department to research further. Also he would not provide me with an email address to forward a screen shot of the promotion and of my confirmation email. The supervisor was quite inept. 

The promotion in question can be viewed at the following weblink that is on Capital One Bank 's company website : https : //www.capitalone.comXXXX   Here is the info copied from the promo : " Timing The Offer begins on XX/XX/XXXX, at XXXX XXXX Eastern Time ( EST ) and ends XX/XX/XXXX at XXXX XXXX. ( EST ) ( the " Offer Period '' ). Offer is subject to cancellation at an any time ( including when the promotional funds are exhausted ). Our server is the official time-keeping device. 

The Reward The reward is a {$25.00} Capital One statement credit. Once earned, the statement credit will be automatically applied to the account associated with the Qualifying Card within one ( 1 ) to two ( 2 ) billing cycles. 

Note that statement credits lower account balance but do not count toward monthly minimum payment obligation. 

How to Earn the Reward During the Offer Period, Participants must enroll in XXXX XXXX using a Qualifying Card on a Qualified Device. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2016, I received an hard inquiry on my credit report from this agency. To my knowledge I DID NOT give this company a written or electronic consent to pull my credit report. I will like to see validation with my signature giving them consent to make a hard pull on my credit.
Product: Debt collection

Last year I got a letter detailing that I owed {$120.00} to XXXX XXXX Ive never signed or opened an account with XXXX XXXX I called XXXX XXXX  directly and provided the account # on the debt collection XXXX and they said it did not exist. I assumed it was a scam letter. Now its on my credit report.
Product: Credit reporting or other personal consumer reports

Please remove those inquiries from my credit report since it affects my score. I have not consulted anything. I owe you any information. Call me first. My name is XXXX XXXX. My phone number is already XXXX  I denounce that they are making inquiries with my document. I have a police report. I lost some documents and I think they are trying to get credit with my information.
Product: Credit reporting or other personal consumer reports

they pretty much told me in the end that they can not verify my membership even though my bank said that I did pay for it and the money was given to them so therefore I think they are being fraudulent toward me and I have evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past two weeks I have contacted : XXXX XXXX ( a XXXX XXXX service ), XXXX XXXX, and Transunion ( who provides the service information to XXXX XXXX ). This complaint concerns XXXX XXXX reporting, the failure of XXXX XXXX to address the complaints, and Transunion for failing to provide the correct information in a timely and reasonable manner. I have eight reported accounts : XXXX XXXX - balance is XXXX but record shows {$290.00} - INCORRECT XXXX XXXX - balance is XXXX but report shows {$8.00} - INCORRECT XXXX - account amount is incorrectly reported ( too high ) - INCORRECT XXXX ( XXXX ) - account amount incorrectly reported ( too high ) - INCORRECT XXXX XXXX - two accounts with XXXX balance reported correctly XXXX - XXXX balance reported correctly Student loan account - XXXX student loan account balance off by several hundred dollars - INCORRECT Additionally I have 12 Alerts showing from an XXXX account which should not be reported as they are deleted accounts! XXXX provided the information dutifully and TU fails to act on the deletion. I am aware accounts may have a delayed reporting in the industry. I am aware of the date when each of my accounts report. I contacted each creditor to affirm when they reported account information. HOWEVER the incorrect totals have been consistently reported as incorrect, as noted above, for a number of months. In another CFPB complaint I have addressed the payment history as incorrect. It should be 99 % instead of 89 %. I believe this is may be a generalized problem as it appears to be a code issue. I could be wrong about this however. These problems began a few months back. None of the three businesses had an interest in notifying their IT folk about a possible glitch, or, it just might be a really sloppy service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed inaccurate information in my Public section. I have I asked Lexis Nexis how the account was verified as accurate, They responded and said the courthouse provided the information. I contacted the courthouse to inform the of the inaccurate information. The courthouse sent a letter stating they do not report to any credit bureaus or third party site. I am not sure how this inaccurate and untrue information was added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I usually pull my reports on a daily basis using XXXX XXXX and on XX/XX/2022 I noticed a hard inquiry on my TransUnion report from a XXXX XXXX. I immediately contacted TransUnion and was told that they were aware of this problem and that it would be corrected and removed by XXXX XXXX, which it was. In the process my credit score was dropped by XXXX points because of inquiry and as of today, XXXX XXXX, TransUnion has refused to correct my score. I have contacted XXXX and am just given the run around. 

FYI : during my initial conversation with XXXX I was told that this error happened to many more people other than myself.