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

On X/XX/2017 I accessed Experian to obtain a free credit report in light of the XXXX data breach as my data was included in the hack. After providing the requested personal information and follwing the instructions to create an ID/password, I revieved my report and logged off. 

I then received an email welcoming me to the XXXX XXXX account. Nowhere was I presented with any information stating that I was signing up for a paying membership account. I have attempted to cancel the membership, but the language is so complicated that I have no idea what I canceled. All I know is that I can no longer pull current credit reports! 

This is a problem with all 3 credit monitoring services and should be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried on multiple dates and time from XX/XX/XXXX through XX/XX/XXXX to fix these fraudulent issues regarding this account. Ive disputed and exercised my rights with the use of legitimate sources and instruments to obtain titles from this car loan that was not legitimate and fraudulent in many ways. They are reporting on my credit reports til this day. I have police reports and also have filed reports with the FTC on this company multiple times.
Product: Debt collection

I sent a cease and desist letter to XXXX XXXX XXXX on XX/XX/2020 regarding multiple accounts but they continue to call even after receiving the cease and desist letter which was returned to me signed by XXXX XXXX and dated XX/XX/2020. The calls initially stopped but then started again with one being received on Monday, XX/XX/2020, at XXXX XXXX and then on Tuesday, XX/XX/2020 at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed on my credit report as having late payments..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim. It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX XXXX,
Product: Debt collection

Within the past week, I have received multiple calls from Portfolio Recovery & Associates. I have advised that they are contacting me on a cell phone and I advised that they send  correspondence by mail. They give the last four numbers of social security and date of birth and address, so basically giving out my personal information to verify. They have been advised now to stop calling, today was the 5th call from this collection agency. One representative advised me that the company would continue to call because without me verifying personal information they can not code the account for calls to cease. I advised that I would file this complaint with CFPB if it continued and now that I received the 5th call- this is now considered harassment and a violation of the FDCPA and TCPA. Also, when I  requested to speak to a supervisor I was placed on a silent hold for several minutes to no avail. Also, no mini Miranda was read to me. I was finally able to speak to a manager who stated that they will continue to contact my cell phone until I verify all of my personal information. The manager would not stop the harassment either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My mortgage was due on XX/XX/XXXX but money I transferred to the account that this payment is pulled from was not received until XX/XX/XXXX. I called and was told to make the payment online which I dd, yet I have received several notices in the mail indicating that I still owe XXXXXXXX XXXX payment. 
I called and asked why the web site indicates that I have paid the money but the money is still in my checking account and under the " Next Payment Due '' section it still shows XX/XX/XXXX. Received a new statement in the mail two days ago showing the next payment is due on XX/XX/XXXX and the correct mortgage amount BUT noticed that they added the same fee which I already paid to the total amount due. 
Tried calling customer service, spoke to another supervisor who was no help today. Spoke to a manager and customer service rep on XX/XX/XXXX. No one is listening or helping. Could it be a glitch on the app or website? No one will acknowledge this possibility yet they want to take more fees from me. No way to send a message to Mortgage Support even though you can type in a box like this ... do they really want to hear from customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several reccuring inquiries for XXXX on my TransUnion report that I have not done and do not recognize. 

3 inquiries from XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from XXXX on : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This student loan was in a repayment plan up until XX/XX/XXXX when I was told that the remaining debt was considered satisfied for less than the full balance following the plan completion. My parents received collection letters beginning in XXXX for an outstanding balance but I was never directly contacted. When I contacted XXXX XXXX XXXX about an outstanding balance of over {$1100.00} spanning 3 accounts in XX/XX/XXXX, I spoke with a representative and informed them that I had already paid off the balance following a repayment plan ending in XX/XX/XXXX. At that time, XXXX informed me that their legal team would investigate the account. Upon completion of the investigation, they informed me they would cease collection activities. I did not pay this account off in XX/XX/XXXX since it was already paid off as of XX/XX/XXXX, so the credit reporting incorrectly reflects the account as in a collection status from XX/XX/XXXX through XX/XX/XXXX.
Product: Mortgage

I contacted HSBC concerning payments not being applied to my account. The three payments were {$10000.00} paid XX/XX/XXXX, {$710.00} paid XX/XX/XXXX, and {$710.00} paid XX/XX/XXXX. All three payments were received by HSBC and I have an attachment to prove that they received the payments but did not apply them to my account. Each payments has a label suspense / unapplied. I spoke to a HSBC Supervisor and asked could she explain why my payments were not applied to my account. I informed the HSBC Supervisor why and where this money is being held and if she or someone else could explain. I informed the HSBC Supervisor that I sent a letter to the research dept and have not gotten a response. I asked her to get someone else to explain where my money is located and why it is not applied to my account. I informed the HSBC Representative that I was given a deferment in XXXX XXXX and it is not listed on the paperwork and the previous representative from HSBC asked me if I could prove that I made the {$10000.00} payments and the other two payments. I informed the HSBC Rep. that is the reason I paid you with a papercheck and sent it by certified mail. I wanted to find out why you were reporting to the credit bureau that I was two payments behind and owe {$55000.00}. I informed the HSBC Representative that when we started out the principal balance was a total of XXXX. The {$29000.00} amount included lawyers fees, insurance, and taxes that you paid. I wanted to find out why and how the amount get {$55000.00} and two payments behind. I called today XX/XX/XXXX and spoke to customer service and she gave me three balances : Principal balance XXXX Deferment balance XXXX, Escrow balance negative XXXX, and Corporate advances of XXXX. The total of everything added together is {$38000.00}. Im trying to find out how and why is the figure higher than what we started and where is my three payments that are in suspense.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several incorrect items on my credit report. I have also sent numerous of letters to all three credit bureaus and they still have incorrect address that never belong to me at all on my credit report misspelled names and also inaccurate information on my report as well. They are not taking off my hard inquires that don't belong to me and are not updating my report at all. I sent a dispute letter last time I filed a complaint with CFPB and XXXX, Experian sent a letter to me stating that information was verified which I know it wasn't because I have a freeze on my accounts and they said the verified it with XXXX XXXX which I know is not true because its been a freeze on my account for over 4-5 months now so they lied. XXXX never even responded to me at all and everything is still on my credit report that i asked to be removed. I have sent letters to all 3 with correct name, address, phone numbers and employers all 3 still have it wrong. I have also sent verification that they didn't verify any of my information and they still didn't remove hard inquires or other information such as Bankruptcies and things on my report that is hindering to my report because of this issue I am unable to move forward with buying a home/car a lot of things I need for this to be fixed asap Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry, fraudulent/identity theft!
Product: Credit reporting or other personal consumer reports

Dear Factor Trust XXXX XXXX Support Team, I am writing to request an update to the information in my public records maintained by your organization. Specifically, I ask that my current phone number be added or updated to ensure my profile reflects the most accurate information. 

Phone Number to Update : XXXX I have attached documents verifying my identity and confirming my current phone number for your review. Should you require any additional information or documentation to proceed, please let me know, and I will promptly provide it. 

I kindly request that this update be processed as soon as possible, and I would appreciate receiving confirmation once the changes have been made. 

Thank you for your attention to this matter. If you need to reach me for further details or clarification, please contact me at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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
Product: Credit card

I have actively attempted to activate my credit protection with XXXX since XXXX 2015 and have yet to receive neccassary paperwork. I have spoken with several agents and been promised over 4 call backs, to which I am still awawaiting. The calls have gotten to 6 per day and I tell every agent the same thing only to be told they will make a note and meanwhile my balance has gone from XXXX to over XXXX while I have consistently reached out to get this solved.
Product: Checking or savings account

Hi- I could truly appreciate any assistance in regard to this matter. I have opened an account with Citibank on XXXX XXXX- as I tried to access my account yesterday, XX/XX/year>, I quickly found out that my account was inaccessible. I could not withdraw any funds from the ATM or access my online banking. I then contacted Citibanks security department and the representative that I spoke with had advised me that the reason for the block was because Citibank is closing my account down. I have deposited over {$2000.00} into that bank only to find out that it was going to be closed only a few days later. The representative also advised me that the reason for the closure is that Citibank reserves the right to decline a consumer and that all the funds that I have deposited into the account is not promised to be returned to me. But, was also told that I should be receiving a check from Citibank after the review process which could take up to 24-48 hours. 

I am honestly requesting for any assistance to my claim. I dont have enough money to feed my XXXX kids at this point and I am going through some family emergency. Please help me resolve this, I am honestly begging for assistance. 

Thank you so kindly.
Product: Mortgage

This process began the second week of XX/XX/XXXX when my CURRENT mortgage holder contacted me and asked me if I would like to re-finance my loan. I spoke with XXXX XXXX at Caliber Home Loans and he can be reached at XXXX or XXXXXXXXXXXX XXXX turned me over to the loan processor below. 
Loan processor name : XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX and she can be reached at XXXX or XXXXXXXXXXXX XXXX XXXX has sent me letter asking me to get statements from my pension plans stating that they are guaranteed for the next 36 months. Apparently the underwriters were unable to understand the language of letter from my first pension plan ( XXXX XXXX XXXX XXXX ) so she contacted them and they sent me a new letter stating that I will receive this pension until myXX/XX/XXXX and I forwarded a copy to XXXX XXXX on XXXX/XXXX/XXXX. However, my second pension, XXXX is a XXXX pension and XXXX XXXX is asking for the same type of letter. XXXX can not guarantee that I will not break their compliance regulations and therefore can not send a letter guaranteeing that I will receive this pension continuously for the next 36 months. XXXX XXXX stated in her letter today that I could get a new letter from XXXX, so I did get that letter but it is the exact same language of a letter that she and the underwriters already have. She also stated that I could forward a copy of the XXXX handbook for the underwriters to read and then they would decide if this is sufficient for my re-finance. Again, this is my CURRENT MORTGAGE holder that I have been making timely payments to since they became my mortgage holder. I ca n't even believe that if I were a working individual ( not retired or XXXX ) that a mortgage company would require that my employer submit a guarantee letter stating that I have guaranteed employment for the next 36 months. No employer would put themselves in a position of guaranteeing employment for anyone for a future period of time. I believe that I was only asked to obtain these letters because I am over the age of XXXX and that I am XXXX. Please help me understand that this is a perfectly legal process for underwriters.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> {$28000.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Submitted check for auto payments XX/XX/2017 for over three years of payments XXXX XXXX claims I was late the next three months I have copy of canceled check cash by them for over XXXX XXXX dollars?
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago and to no prevail we have sent FTC report and affidavit as well as police report to capital one, the bureaus, XXXX, and XXXX the credit reporting agencies to ask for this incorrect information to be removed and blocked which appears to be a closed account. The account was removed but the creditors continues to re report it to the credit reporting agencies monthly. The account was taken over fraudulently during the ownership of the account and was not able to be recovered by the consumer.
Product: Checking or savings account

Dear Sir/Madam, I received your email regarding my complaint against JPMorgan Chase & Co. as the beneficiary institution. Unfortunately, you are still ignoring the fact that this complaint is not about the same issue as the previous one. 

The main reason why I keep contacting you is not the fact that my funds were sent via this bank but that the scammers are clients of Chase Bank and registered as XXXX XXXX and " XXXX XXXX ''. JPMorgan Chase allowed these criminals not only to create an account but also to receive money stolen from innocent victims like me.The financial institution shall seek further information or/and documentation from the client in order to help create a proper KYC profile, and when the movement of large sums of money is concerned, to verify the legality and legitimacy of its sources. Their organization, by its conduct, has evidently failed to perform adequate Anti-Money Laundering and Know Your Client ( combined as XXXX procedures ), as those procedures are commonly known under the applicable guidelines and enforcement rules. The financial institutions should battle, Fraud, Money Laundering and XXXX Financing, these guidelines list specific Low and Higher-risk factors that firms should have regard to. 

Such neglection of all of the security measures from the side of Chase Bank as the regulated financial institution is totally unacceptable. Moreover, as they are registered in the XXXX which as a country is a member of the XXXX XXXX XXXX XXXX ( XXXX ) they should have paid an additional attention to such situations. However, they have chosen to ignore it and pretend that nothing is going on and there are no fraudsters who use their services. 

According to all above, I am again asking you to proceed with your own investigation on that matter. 

If you need anything from my side please let me know, I will be glad to do my best in order to make the process as fast as possible. 

Kind regards, XXXX XXXX.
Product: Debt collection

On XX/XX/year>, I sent a validation letter to the address provided to me by FCR Services. I sent this letter via certified mail no. XXXX. They received this letter on XX/XX/year>. As of XX/XX/year>, over 30 days later, they have not responded to my request for validation and have continued to attempt collection.