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

I am a victim of identity Theft. Someone got hold to my person information and Social security number. I believe it happened during the Equifax data breach or the XXXX  data Breach i am not sure. I sent XXXX  and Equifax a FTC report, report number XXXX regrading a fraudulent XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX reporting on my XXXX  and Equifax consumer report. I have no knowledge of this account. I did not open up this account. XXXX  and Equifax refused to block the account as stated under the FCRA section 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX  and Equifax stated the account was verified, and declined to block this account. I am the consumer and i am the only person that can verify an account. No one else can verify an account that's in my name. So I need this account removed immediately. If XXXX  and Equifax refuses to block this account, I want to know how this fraudulent account was verified, what method of verification was use, who verified that this information was accurate. XXXX  and Equifax has not sent me any of that information as they should under 609 of the FCRA, but yet they are furnishing and reporting a fraudulent account to third parties. Also, as a consumer I have a right to privacy under the FCRA. Section 602 " Congressional findings and statement of purpose '' [ 15 U.S.C. 1681 ] ( 4 ) states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  and Equifax is violating my right to privacy plus they are furnishing an inaccurate consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.
Product: Mortgage

MY CURRENT MORTGAGE IS FINE! You did not give me an 'other ' option on the previous page. The problem is I am being harassed by phone, email, text message and mail by the company JFQ Lending Inc in AZ. I have never heard of them or have done any business with them but they found my name, address, and mortgage company. 
They sent me an official looking letter with the name of my current lender. How they got this information is a mystery to me. The letter was so specific to my mortgage that it seemed like it was from my own credit union, or at least in partnership with it. The letter starts with " Your current loan with _____ Federal Union has been identified as benefitting from the aggressive enhancements made to XXXX XXXX eligibility. These changes will generate economic benefits to those, like you, who have a conventional mortgage '' .... 
I mistakenly answered them online with my email and phone number but after researching this letter online I now realize this company is trying to scam me and try to aggressively get me to refinance my mortgage with them. So now they are harassing me daily in some form as stated above. I want them to stop and be stopped from doing this to anyone else.
Product: Credit reporting or other personal consumer reports

Im writing to dispute an unauthorized credit inquiry listed on my report. I never gave permission to this company to pull my credit, and this inquiry is both unauthorized and fraudulent.
Product: Debt collection

XXXX XXXX XXXX XXXX of XXXX XXXX send a letter on XX/XX/XXXX to me and my employer. The letter said they want to collect the amount of {$2900.00} from my salary. The credit card with this bank was close in XXXX. I believe this is an unfair action and I am very disappoint because I never receive any letter prior from XXXX or the court letting know about any issues.
Product: Mortgage

I have repeatedly asked for the identity, phone #, address of the investor of the alleged mortgage loan ( originated by XXXX XXXX ) which allegedly became securitized with over XXXX other mortgage loans in XXXX. 
This is reported under a different servicing number by Chase of XXXX. 
I am entitled under the new Dodd-Frank laws and TILA laws to know who my creditor ( s ) is so that I can negotiate directly with the creditor. 
Chase has sent a letter dated XXXX XXXX, 2015 stating that the investor which they service for is : XXXX as Trustee for XXXX and then they list the Mortgage Research ( XXXX ) in XXXX XXXX, MN XXXX and the phone XXXX. 

This is NOT the investor and Chase continues to confuse and obfuscate the truth. This is not supposed to be the Trustee for the securitized trust ... .it is NOT the investor. 
Furthermore, when I call that number -- -they will not talk to me and tell me to talk to Chase. 
They said they are indemnified ... .meaning protected by insurance from Chase. 
I need to talk to the investor. I need to be able to negotiate directly with the investor. 
Chase is not complying with Dodd-Frank, nor TILA. They are stone-walling me. 
It is not longer 'proprietary ' who the investor is. I will not tolerate Chase 's stone-walling. 
Chase is now breaking the laws once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection from credit collection serv is fraudulent and dose not belong to me please remove from my credit report account # XXXX
Product: Debt collection

My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with XXXX after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!
Product: Bank account or service

I opened an account with citi called citi gold with the option to earn a promotion of XXXX XXXX miles. I emailed their customer service to verify I met the qualifications of the award and received 2 email stating that I did and when I should expect the award. That day has came and went and still no points.
Product: Credit reporting or other personal consumer reports

The constant mistakes on my report are creating serious problems for me. Its frustrating to know my score is suffering because of errors I didnt cause. Its not right that these inaccuracies are costing me better opportunities.
Product: Mortgage

My loan was transferred and serviced by Freedom Mortgage as of XX/XX/XXXX. After my income was delayed, I opted to do the XXXX deferment to avoid late fees and credit report impact but resumed making payments. Since they acquired my loan, I have been having issues with them making multiple adjustments to escrows to increase payments based on whatever documentation they get from 3rd parties, without verifying I initiated a change ( XX/XX/XXXX the insurance agent changed my carrier without permission XXXX nor allowing me to pay shortage ( escrow account is usually adjusted once a year by lenders but Freedom do it each time documents go to them from a 3rd party ). XX/XX/XXXX, they increased the percentage amount they wanted overall in the escrow, and I paid the difference XX/XX/XXXX. In XX/XX/XXXX, I was threatened with policy cancellation due to Freedom paying the unauthorized insurance carrier and ultimately, they disbursed two payments to two carriers causing an escrow shortage by XX/XX/XXXX. After I complained, I was sent a bill to pay the escrow shortage, of which I paid. They turned around and applied the escrow payment I sent directly to the escrow dept. to the loan principal and interest, even though I had already paid XXXX mortgage payment. I called and complained again, and they claimed they reversed the misapplied payment. Because I am still on the deferment, they sent me a notice and advised I would be responsible for paying homeowners insurance moving forward. Due to recent insurance hikes, XX/XX/XXXX, I initiated a new carrier, even though the existing policy was effective until XX/XX/XXXX. I paid the homeowners policy in full on XX/XX/XXXX. I receive a letter dated XX/XX/XXXX from Freedom stating they paid an insurance bill out of my escrows in the amount of {$1700.00}. I immediately called to complain, they claimed to put a stop payment on the check, yet XX/XX/XXXX statement, my escrow shows the money missing. I called Freedom again to speak to a supervisor and she claimed the escrow department was closed and she will escalate to find out where my money is and call me back XX/XX/XXXX. To this day, no call with resolution. I believe Freedom mortgage is stealing my escrows, misapplying payments, and engaging in unethical practices such as what I described and need to be investigated. Please see their latest statement and my evidence of payments.
Product: Checking or savings account

TD Bank decided to update their banking online software and it has been 4 days so far & I still cant see my accounts. I have called their customer service phone number & each time I am told its a 20 minute wait or a 40 minute wait. When I call my local bank office the girl there tells me she can read me anything I want to know or I can come in & she can tell me what I want to know. I asked them to e-mail me my accounts & that is even a problem. 
I want to see my accounts!!!!!!!! I have a right to see my accounts!!!!!! This is crazy I feel as if I have been robbed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession. 
Amount the Car was auctioned off at. 

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XX/XX/XXXX - XXXX, XXXX three unknown inquiries were made on my XXXX credit report. These inquiries included XXXX XXXX XXXX, Corelogic Credco, and XXXX XXXX. From this time through XX/XX/XXXX and again in XX/XX/XXXX Ive made several attempts to reach out to each company, each noting that they are unable to locate accounts in my name or social security number with their company or related services. I was told to reach out to XXXX to have the inquiries removed. Several calls were made to XXXX who explained that the companies must provide notice of no accounts. Calls were made to the companies. One of which, XXXX XXXX XXXX, who recently provided documentation stating no present accounts or contact with the company therefore recommending XXXX to remove the reporting. One company Corelogic has failed to respond to attempts for assistance. XXXX explained that XXXX   must initiate this fraud inquiry. XXXX  says XXXX must do so in order to investigate. XXXX says the concern must go through the fraud dept. but can not be investigated as fraud if no account has been identified. In this time I learned that disputes can be filed with XXXX online. This was done in XX/XX/XXXX but again they were unable to resolve the issue. I learned that XXXX actually makes no calls to the companies, rather they just look at the reporting and deem it factual. They again asked for notice from the companies. 
As aforementioned I was able to get a notice from XXXX XXXX XXXX, clearly stating the inaccuracies and need to remove the inquiry. This was faxed ( as their website did not allow uploads despite what it says ) to XXXX in early XX/XX/XXXX but they again rejected the dispute and deemed the reporting factual despite the company providing the notice that they stated was required. These three false and inaccurate inquiries remain on my credit report going on 2 years and no one seems able to help.
Product: Money transfer, virtual currency, or money service

lam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violatethe Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Unable to get the title or a lien Release for my XXXX  XXXX from Kia Finance in XXXX XXXX CA. This car has been paid for since XX/XX/2020. ( I started the process with this company in XX/XX/2020 to perform the buy out ) I received a letter XX/XX/2020 that my leased vehicle has been purchased by XXXX XXXX XXXX, but the title/lien release was never sent. ( Still do not understand why since the money was sent to Kia in XXXX with the paperwork which we have had to supply 3 times on why it took until XXXX to get this letter ) I have contacted Kia multiple times but they have not provided the required information to the credit- union. XXXX XXXX XXXX has contacted this company multiple times with no success as well. They currently use number XXXX which funnels all calls to a customer service desk and they are unable to assist you. I have asked to speak to a manager on several occasions about this issue, they too where unable and did not want to help. I have contacted the dealership where I had purchased the call but they are not affiliated with this leasing company and could not help me. I have contacted Kia Motors directly and they said that since the leasing company was separate they could not help me either. I am currently paying for a car ( I have been making payments since XXXX to XXXX XXXX that I can not drive since the plates expired in XXXX.
Product: Money transfer, virtual currency, or money service

I made a purchase through the CapitalOneXXXX shopping portal on XX/XX/2023. This purchase promoted 30 % cash back for the purchase of a XXXX XXXX XXXX XXXX XXXX Upon completing the purchase in the amount of XXXX pre-tax, or XXXX post tax, I was not given credit within the promised 90 days post purchase. I made this purchase and was given a shopping trip number of XXXX XXXX XXXX  After multiple attempts to contact CapitalOneXXXX I have received no response back from their support email that is suggested as their only method to contacting their customer service. No phone number is given for this site which is operated by Capital One, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, i was a victim of identity theft. I never authorized the following inquires on my report. Sync XX/XX/XXXX, Sync XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, sync XX/XX/XXXX, sync XXXX XXXX. I recently changed all my passwords and stuff online to avoid this from ever happening again. I was told by a friend to come to you guys since i was getting the run around. When this first happened back in XXXX sync bank had agreed to remove the inquiries. I will show a picture of my XXXX  report which is showing all this and my XXXX which removed all of it since it is inaccurate and was never authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

This is fraud, I have been complaining about incompetents and now these people have wipe out my entire checking and saving account and Dovenmuehle Mortgage XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XX/XX/XXXXXXXX XXXX XXXX : {$3700.00} XX/XX/XXXXXXXX Balance : {$5300.00} XX/XX/XXXX XXXX XXXX Balance : {$3700.00} XX/XX/XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXXXXXX ( Original Creditor : XXXXXX/XX/XXXX) XXXX Balance : {$1700.00} XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a patient at XXXX XXXX ( hospitsl medical ) in XXXX XXXX, Ohio.The First Federal Credit Control put 8 seperate reports on my credit report. They itemized the indivual daily charges. There 5 at XXXX.. XXXX.. XXXX.. {$61.00}. 
This has affected my credit report as well as my score. If they add all charges into one derogatory credit, it will improve my report and score tremendously. I was under the impression that medical bills not supposed to be on reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraudulently inquired regarding my credit for a fraudulent mortgage lender " XXXX ''. The company did not receive my permission to run my credit in the span of the 10 months that they attempted to provide me with a fraudulent and predatory loan.
Product: Checking or savings account

A Citibank ATM destroyed a check I attempted to deposit it in. Call center workers would not assist me. They told me to speak with someone in the branch, even though all branches are closed at XXXX, when the problem happened
Product: Credit reporting or other personal consumer reports

Follow upThe negitive iitem XXXXXXXX XXXX  supposed to be removed off my experian report social is XXXX the account is XXXX their a federal trade commision report on file
Product: Mortgage

I had a covid-related mortgage forbearance, approved by my lender ( Navy Fed Credit Union ), for the past year. They modified my loan at the end of the forbearance, and XX/XX/2021 is my first payment after the end of forbearance and modification. On XX/XX/XXXX i got a notification from a credit monitoring service that a negative item had appeared on my credit report. I logged in to check, and the negative item is from Navy Fed, stating that my mortgage account is more than 120 days late. I called Navy Federal about this, and they gave me the runaround, telling me " there is no one to talk go about this, we don't do anything with credit reporting, it is all automatic. '' She also told me that it is my job to dispute it with the credit bureau. I want a guarantee that if i go through the time and effort of disputing this one time, it will stick, and it won't keep getting reported incorrectly as delinquent every month. Navy Federal made the mistake, and I think they should be held accountable for fixing it, not me, but they were unwilling to help when I called so I am reporting it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.