23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I froze my credit report on XX/XX/2023 and the XXXX through the XXXX of XXXX XXXX XXXX  did XXXX hard inquiries, Again I have tried to convey just how I am having serious issue with the credit agencies and banks, etc... 18 U.S.C-894, Obviously XXXX really didn't have it froze or just has a deal worked out with XXXX 's XXXX Trustee, US BANK NA and they must prove that I gave consent to unfreeze it temporarily, You see I did this as a test because I know the Banks and these private llc which are not government agencies are directly conspiring to deceive and my belief is a criminal syndication, part of the XXXX to which is why the world is so poor while less than 15 % has all the wealth.
Product: Debt collection

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance details 0 % of this account is paid off Balance on XX/XX/2022 {$210.00} Original balance {$210.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary 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

XXXX and XX/XX/2020 The Hone Depot store and XXXX XXXX is reporting to my credit report and I called them explaining it wasn't me and why is it on my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX Collection Service Account Number - XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Mortgage

Hi I have tried for 3 months now to get a modification and I feel like they are giving me the run around and have no intention to actually help me or even look if I qualify. I have sent every paper they asked for, I have called numerous times and been told they have all they need and will contact me and then I look on their website and see they have me down for missing papework and not being approved. I would really like one person to contact instead of random customer service people who do n't know what they are doing, this is important to me it is my home for my family and I am out of work on workers comp. I just need help with what is past due and I can resume payments. I just fell behind because of the injury and loss of pay for a while then I got hit with having to may my own healthy coverage and the home has a pool and trees that I then had to have winterized to avoid any damage and with all those things and limited income way lower then my usual pay I just could not do both. I can resume payments now but I am behind and need to work that out first. I just want someone to work with me rather then write me off.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear I C SYSTEM, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for I C SYSTEM to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that I C SYSTEM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I C SYSTEM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Checking or savings account

On XX/XX/XXXX my USAA checking and savings account was hacked and {$400.00} was taken out via a XXXX transaction. The individual also attempted to open a credit card in our name but was denied. We discovered the issue within hours and called USAA to report it. The next day I was sent a message saying that no fraudulent activity was discovered and my claim was denied. I called back and asked for more information but was told I would have to have the fraud analyst call me within 3-5 business days. I never received a call and everytime I call USAA back they cant explain why no one has called me back and they tell they will resubmit the request and to wait another 3-5 business days. We have never used XXXX with USAA and did not authorize the transfer or attempt to open a credit card. 

As of XX/XX/XXXX we have no explanation of why the claim was denied and no recourse to take with USAA. The electronic fund transfer act clearly states that we are not liable for the loss of these funds. USAA will not explain their decision to us so far.
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/2023 Dear Sir/ Madam ; I am XXXX XXXX XXXX like to seek to resolve a fraudulent loan thru your office. 

As the matter of fact, on XX/XX/2023 person name XXXX ( ( XXXX ) called and asked if I interested about the Free Solar Installation by state of Texas and if I did there was a man name XXXX ( XXXX ) would see me within 1hr at my house. After we met and exchanged some necessary information XXXX he said in order to fulfill the application he needs my fully personal information for verification of my background, credibility, income... .etc. and if the application got approved then the employee of city of XXXX would come for checking whether or not my property meet standard code of conduct safety and the processing would take up to a week. 

However, on the date of XX/XX/2023 I got a text message from XXXX Credit Bureau for Alert Enquiry ( as Exh # 1 ) and I was told by XXXX 's represent to call XXXX XXXX to find out the new inquiry and I had tried to contact XXXX XXXX ( as Exh # 2 ) from time to time I finally spoke with XXXX XXXX XXXX, manager of the underwrite department, then find out that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX had fraudulently created a fraud email as XXXX and phone number as XXXX ( as Exh # 4a+b ) along with my personal information to applying for a loan of {$93000.00} with 8.49 % interest for 25 years and that amount of such loan had already issued to the XXXX and she told me to find out the physical address of the applicant on website as I requested her meanwhile the investigation will be on her behalf and we should keep in touch with her personal cell phone and her email as XXXX for further information. And on XX/XX/2023 I drove to the office of Secretary of State of Taxes to get help with dispute and was told by XXXX XXXX XXXX as Exh # 3 ), personnel of the office that I would submit as much as information about the Scam and mail to SOS of Texas including the money order of {$30.00} for the fee and my complaint would be sent to Federal Trade Commision ( as Exh # 5 ), since that issue came out I have tried to contact XXXX by call and text thru his cell phone number to express my anger over the dishonest business and demanded that fraudulent loan must have been resolved and returned to XXXX in the soonest time and XXXX assured that he would submit to his company ( as Exh # 7a ... .7j ) but my demand to no avail till XX/XX/2023 I received a mail indicating my first payment ( as Exh # 4a+b ) will begin on XX/XX/2023. As of this issue, I seek help through Consumer Financial Protection Bureau ( as Exh # 6 ) in hope to clear off the loan that i did not apply for. 

I am enclosing all information as a proof to you for consideration. 

Very Sincerely. 

XXXX XXXX
Product: Credit card

See attached. Please contact the companies directly XXXX XXXX on XXXX  behalf and XXXX XXXX via their contact seen below. I provided all you asked and you guys closed the cases/reversed the balance or something to make me double my limit with 0 regard to the companies agreeing with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On both XX/XX/2018 and XX/XX/2018 there appeared two hard credit inquiries on my Equifax credit report from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Upon being notified of the first hard inquiry from above company ( on XX/XX/2018 ), I put a temporary freeze on my XXXX, XXXX, Equifax, and XXXX reports. Additionally, I reported this to Equifax through their online dispute center. 

Then, as stated above, on XX/XX/2018 another hard inquiry from the above company appeared on my Equifax report, again. Upon seeing this, I placed a total 1 year fraud alert through Equifax which should trigger a notification to the other credit agencies automatically. Additionally, I disputed this second hard inquiry through the Equifax online dispute center, again. 

I do not currently use XXXX XXXX XXXX as a provider, nor have I applied for any of their services. 

Through a quick XXXX search, I have found many people claiming, on the XXXX XXXX XXXX forums, that they have experienced something similar in the past few months. People have described this exact issue, and have stated that the credit agencies have sent them to XXXX XXXX XXXX to resolve it, and XXXX XXXX XXXX sent them back to the credit agencies. 

This seems to be a cycle, that neither party, the credit agency nor the telephone company, want to take responsibility for. I really hope that through reaching out to you, swift action can be taken to have both of these hard inquiries, removed from my credit report. 

Thank You!
Product: Checking or savings account

Account was closed on XXXX reached out to Chime regarding my remaining balance.I did receive 1check from them but I have not yet received another check that they claim they mailed out on XXXX and to give it 30 days and nothing.I 'm so tired of this XXXX company which I've been dealing with since like XXXXI need my money because of the fact that I'm purchasing a home and they are delaying the process
Product: Mortgage

Selene Finance refused to give me a loan modification, stating that, they would not because of an upcoming sale of my home, which then violated my homeowners bill of rights. 
I then called XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. 
They tried to speak to Selene Finance on my behalf. When applying for a loan modification through XXXX XXXX XXXX Selene Finance came back with a payment of {$4000.00} a month as a new mortgage payment when they know that is entirely out of my reach. 
XXXX XXXX XXXX XXXX XXXX XXXX then directed me to speak with an attorney at XXXX XXXX XXXX XXXX which is a part of XXXX XXXX XXXX XXXX XXXX XXXX  a XXXX stating that they are a faith based organization, which they are not. 
I have been dealing with the Law group since XXXX. I have not once been contacted by my attorney and have spent {$7000.00} to date. 
The Attorneys name is XXXX XXXX. 
He is currently out of the country and I have an upcoming auction date on XX/XX/2023. 
Nobody will return my calls from the XXXX XXXX. 
I feel as though they are trying to help me go into foreclosure rather then helping me try to get out of it. And have paid them money, that can not be accounted for. 
Ive asked for a complete accounting as well as all documentation related to my case over a month ago, and still have not received anything. 
Im constantly getting the run around from all 3 of the entities. But right now, Selene Finance and XXXX XXXX XXXX XXXX are not cooperating with each other and or me. 
I have been left in the dark since XX/XX/2023!
Product: Credit reporting or other personal consumer reports

I checked credit karma and I see this hard inquiry on my account I don't recognize it so I call the number they provided and I talk to XXXX different people and they all said they can't find anything open or any transaction history or applications in my name or my social security number or by my email so I call, XXXX XXXX credit bureau and they said they don't see anything as well so I call back to the XXXX and told them what XXXX XXXX said and they went through the same thing again and said they can't find anything still so I called back to XXXX XXXX and they told me to file for a report fraud.
Product: Vehicle loan or lease

My car was repossessed despite payment being issued. My vehicle was never returned to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted you to request an investigation into items that I suspected were fraudulent, erroneous, and falsely reported. I have only gotten a computer-generated letter claiming that the review of my credit reports has been stopped because you suspect I have engaged a third-party credit repair firm. I think this is a deliberate delay tactic on your behalf to give you an extra 30 days to fulfill my initial request, and I consider it a clear breach of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that aren't reporting correctly. 
These following laws prove that these accounts have to be removed : - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

- 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions - 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Money transfer, virtual currency, or money service

I sent several international wire transfers to a bank that was involved with bitcoin trading. I was not warned that there could be scam potential. The total as well over {$70000.00} and I would like to get Chase Bank to return me my money
Product: Credit reporting or other personal consumer reports

Documents showing inconsistencies on all XXXX credit bureaus. I have no late payments can you please remove showing late on XX/XX/year>
Product: Debt collection

On my credit report it says debt owed XXXX dollars open XX/XX/2019. I have contacted the Midwest Recovery Systems several times. It is a robotic answering service. They have not issued me any notices in my mailbox with an account number. There for it could be possible fraud. Anyway my goal is to just get it taken care of. I want to reach a customer service person to verify it my bill. I researched the company I found Accreditation Revocation : On XX/XX/2019 this business 's accreditation in the XXXX was revoked by the XXXX 's Board of Directors due to its failure to adhere to the XXXX requirement that Accredited Businesses meet and abide by the following standards : 6D. Cooperate with XXXX in efforts to eliminate the underlying cause of patterns of customer complaints that are identified by XXXX. XXXX consumer complaints in three years I am not the only one. Thanks for your help.
Product: Mortgage

Nationstar Mortgage purchased additional flood insurance for me, when they should n't have, this created an escrow account with a negative balance. I filed a complaint ( with you ) several months ago, and that It thought was resolved. I have received a letter from them that it was, however, I log on today to pay my account and it still says I owe {$34.00} in my escrow account. I spent 43 minutes on the phone with them being transferred 4 times, to be told by each person. " I no longer have an escrow account but I do owe the negative balance '' .... the last person I spoke with.. XXXX badge # XXXX said it was to have the escrow account opened and closed. I am shocked!!!! I told her " they opened the account and closed the account, why do I have to pay for that? '' She could n't answer me, she was going to transfer me again. I am exhausted with the amount of time i have spent on the phone with this company. Please HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXX BalanceOwed : {$980.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX Balance Owed : {$6700.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As i look through my consumer profile I see that this company XXXX XXXX XXXX, account # XXXX is reporting a collection on my account. With a balance of {$1400.00}, balance updated XX/XX/. I have never did any business with this company and I have previously filed a CFPB complaint to have this removed off my consumer profile. I have now filed and identity theft report because this is fraud.
Product: Payday loan, title loan, or personal loan

The amount of the loan was over  XXXX . According to my credit report, the payments were inconsistent over the last year and then the payments stopped. I called the company to file the report of theft and the information they have on their file is accurate.     However, they were claiming that i file a report against the BBB and did other actions. They told me they were going to send me some documents to fill out and send to them to claim the fraud and they never did.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TRANSUNION : XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX
Product: Debt collection

I called to settle a debit with Chevron credit card co and a man answered wanting all my personal information upfront before he could assist me. After I gave him my social security number he then told me he was a different credit card company however, needed my address as well. I recited the phone number listed to call XXXX he acted confused about my call, but continued to press for more information about me knowing he was not a representative for the company. When he asked for me to repeat my full social security number again l hung up the phone.
Product: Credit card

The companies is reporting profit and loss on my credit report. I would like a copy of the 1099c to write-off on my taxes. I still haven't received it.