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

From about XXXX to XXXX I was the victim of XXXX XXXX  and my XXXX stole my identity and used my name for several years and things I was to afraid to tell him I knew what he was doing and didnt approve. He opened bank accounts in my name, had a couple leased houses in my name, some credit cards and was always trying to get loans. His name was XXXX XXXX he was finally caught and me and 5 other women were rescued. I went through a court diversion program called XXXX XXXX which provides victims with assistance and counseling, intended trauma treatment and even counseling services. I graduated from the program after a year on XX/XX/XXXX. My XXXX got XXXX XXXX XXXX XXXX for what hes done to me and the others but this has severely affected everything. My credit, my background, and many other things. I just want my life back to normal the way it was before I was XXXX XXXX XXXX and XXXX XXXX XXXX among many other things. So I would like this on record as to why I am struggling so hard with credit and banks and dealerships and I cant even rent my own apartment because he has 2 evictions in my name. I wanted a chance to tell my side of the story now that Im no longer his victim. I also have all kinds of hard inquiries on my credit that I need to get removed
Product: Money transfer, virtual currency, or money service

I am a current victim of identity theft and fraudulent transactions that have resulted in loans from 3 different companies ; Upstart, XXXX, and XXXX totaling the amounts all together of about {$45000.00} estimated. I have been hacked and scammed by international individuals and they some how have all of my information and payment account 's ; XXXX, XXXX, XXXX, XXXX and my XXXX banking info and social media accounts. Please see the attached documents below for more information and details.
Product: Credit card

Unauthorized Hard Inquiries on Credit Report Dear CFPB, I am writing to bring to your attention an issue I have identified on my credit report. Upon recent review, I have noticed several hard inquiries that I did not authorize, all of which occurred on the same dayXXXX XXXX, XXXX. Specifically, these inquiries include AMERICREDIT, XXXX XXXX, and XXXX XXXX XXXX. Additionally, I have observed a hard inquiry from XXXX XXXX dated XX/XX/XXXX, which I did not initiate and appears to be fraudulent.

I also wish to highlight a concerning practice by XXXX XXXX. When I applied for a credit card through them, they conducted a hard inquiry, which was reported twice on different days, even though it was for the same application. This has negatively impacted my credit score, and I am seeking clarification on how such a discrepancy could occur.

I kindly request your assistance in investigating these matters to ensure that my credit report accurately reflects only those inquiries that I have authorized. I appreciate your attention to this issue and look forward to your guidance on how to resolve these discrepancies.

Thank you for your prompt attention to this matter.
Product: Mortgage

We sold our primary residence XXXX 2010. At the time of that sale, we executed a Restated Note for {$35000.00} in order to facilitate a short sale since that was required by Bayview Loan Servicing in order to sell our the home - they gave us no other choice. The sale of our primary residence was due to my relocation from XXXX to XXXX for work. 

Payments were to commence XXXX XXXX, 2010 for {$190.00} pursuant to the Note. 

I have an email dated XXXX XXXX, 2010 from XXXX XXXX, Residential Asset Manager for Bayview Loan Servicing- she directed us to send our payments to her attention at the address below:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXFor six months ( from XXXX 2010 through XXXX 2010 ) - we made the payment of {$190.00} and mailed it to the above address to her attention. NOT XXXX CHECK WAS EVER CASHED BY BAYVIEW LOAN SERVICING. Since I use online banking - my bank make all payments, they can verify that they cut the checks, mailed them to the address above and not XXXX check cleared. 

Due to the checks not clearing, I left several voice messages for XXXX XXXX in 2010 at the number she provided on her email signature - all with no response. 

In addition to no check ever being cashed and no response from the only Bayview Loan Servicing contact we had - we have NEVER received any correspondence whatsoever from Bayview Loan Servicing since XXXX XXXX 's email response to my inquiry as to where to send the payments - dated XXXX XXXX, 2010. 

There has NOT been XXXX letter, XXXX email, or XXXX phone call from Bayview Loan Servicing in over 5 years. No payment was ever cashed and there was no response to all the inquires we made to the Bayview Loan Servicing representative we were given. We did not know what to do - or where to send payments. 

Last week ... FIVE years after absolutely NO communication from Bayview Loan Servicing - I pulled my credit report only to find that Bayview Loan Servicing decided to start reporting this obligation last month and is showing it as delinquent. Five years - no communication from Bayview Loan Servicing - but arbitrarily decided to start negative reporting to the bureaus last month. 

In summary, we attempted to honor the obligation we made five years ago - but Bayview Loan Servicing did not. This obligation was completely ignored by Bayview Loan Servicing for almost five years ... payments never cashed, phone calls never returned and no communication in any manner from Bayview Loan Servicing was made to collect on this debt. 

Now Bayview Loan Servicing, in an attempt to collect on a debt that we attempted to pay over five years ago is using abusive tactics by reporting negative information to the credit bureaus. 

I have called Bayview several times and am getting nowhere - nobody can help me and they insist all they can do is review my " claim '' via fax or email. I have sent several letters. My credit is ruined now and I can not get anyone to discuss this matter with me.
Product: Checking or savings account

Last year I was with Chase Bank and my account got closed and my account was negative because I wasnt gettin mf direct deposit. I ended up going to a XXXX branch they denied me and told me to get in contact with early warning services. So I went back to chase to pay my debt. And it was confirmed that I had a charge off the account & we tried to go ahead and open up an account and it still wouldnt allow me. I just want to fix everything so that I can be able to open up a account with a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to dispute 3 accounts with no creditors listed that were reporting on my credit file with Equifax. They were informed about the missing information on several occasions beginning in XX/XX/XXXX/XX/XX/XXXX & again from XX/XX/XXXX to XX/XX/XXXX. 

The accounts are as listed : XXXX for {$220.00} XXXX for {$240.00} XXXX for {$120.00} After disputing these accounts with Equifax they sent a report that stated all the accounts were verified but haven't stated who the credit is supposed to be not even a Name or Address of the creditor 's who I supposed to be in debt with. 

All accounts that are listed are violations for that reason so I would like for those accounts to be immediately removed from my credit file and to receive an updated credit reflecting those changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  of XXXX GA is fraudulently reporting that I have a credit card with them that has gone into settlement as of XX/XX/XXXX. They reported that I've been late since XX/XX/XXXX. I opened a XXXX credit card in XX/XX/XXXXwhich was closed and went in settlement and was legally settled over 10 years ago. They have now just put it back on my credit file as if I just settled the account. I've called and spoken with the credit department and they admitted fault but will not respond back any longer to my calls nor will they remove. There are several recorded calls of me talking with them and their admitting to get the matter resolved. It is my suspecting there is someone in the company fraudently hiding or stealing money and looking to see who has old settled accounts and filing that as renewed bad debt with the IRS. I disputed the errors to experian and called and spoken with one of their supervisors who also recognizes XXXX error. They have the phone calls recorded too but no one has taken action to remove fraudulent reporting. Both parties are responsible for poor consumer practices and have total disregard for one 's credit well-being.
Product: Checking or savings account

I am filing a complaint with the cfbc because capital ones failure to deposit my direct deposit from my employer. Capital one has cited technical issues which may violate the electronic transfer funds act ( etfa ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

For security reasons my credit report should not include my full account number. These companies has violated my privacy rights under the FCRA. 

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

I've checked my credit and seen this company reporting on my report I have no knowledge of this account and it is a result of fraud.
Product: Credit card

I received my latest PNC credit card statement on XX/XX/year> which showed purchases of {$3200.00}, this is {$3000.00} more than what should be. Where the charges are listed there is a XXXX " adjustment - payments '' listed for {$3000.00} & {$36.00} listed for finance charge for previous cycle purchases. This the entirety of explanation for adding these charges to my credit card. Yesterday I paid off the legitimate amount of charges @ {$1200.00} and cut up the credit card as this will certainly end this relationship. 
There is no point calling credit card services as this support is in some 3rd world country that provide scripted general answers. Also, this is a pretty blatant fraud attempt. I have my receipts for my payments made previously.
Product: Mortgage

Wells Fargo has put hundreds of thousands of people on auto forebearance without consent and we were one of the accounts this happened to. We have excellent credit and have never been late with a payment. They stopped taking auto payments in XXXX due to Corona Virus. They put our account in forebearance and thus it reflected on our credit report. We are looking to get a home improvement loan and are unable to do so with our credit report claiming forebearance. 

We also received paperwork in the mail indicating we would be put on a loan status for the amount of money they didn't take from our account and it would be put on the back of the loan. 

Finally, we received paperwork via XXXX XXXX containing another person 's mortgage from PA with personal financial information. It was sent to our home and it was a complete breach of personal information! Not ours, but mailed with all their private information exposed. 

We have contacted the company and they are working to remove us from the forbearance and fix our credit score but this is unexceptable. We will be moving our loan to a local bank ASAP.
Product: Consumer Loan

The company I work for purchased several radio stations from a company selling off all it 's inventory. Included with that sale was a XXXX pickup truck. During closing, the main focus was on all the regulatory paperwork with the FCC, XXXX and other companies regarding the radio stations and transmitters, and the XXXX was over looked until it was time to re-register and re-title the truck in the new companies name. At that time, it was noticed that we only had a copy of the title, and not the original. We worked with a previous XXXX of the company to get the required title paperwork willed out and notarized. However, the truck was originally financed through World Omni Finical Corp., and was paid off XX/XX/2008. I have tried over a dozen times to contact World Omni Finical to get a letter stating that the truck is paid for and they have no further interest in it. All I get for the several hours on hold is the run-around, with out anything ever happening. We currently have a bill of sale, a copy of the title showing it was paid off in XX/XX/2008, current insurance in our name, and a partially filled out and notarized replacement title request. The only thing holding us up in getting the title transferred is a letter from the previous lien holder ( World Omni Finical Corp ), releasing all claim to the truck. 

I am asking for help in getting World Omni Finicial Corp to produce this letter, so they are not longer preventing us from using our own truck!
Product: Mortgage

Original Owner ( OO ) bought townhome in XXXX, naming XXXX as XXXX mortgagee. Loan was taken over by XXXX in XXXX. Owner of XXXX mortgage since XXXX XXXX = Bank of NY Mellon ( BANK ), Trustee under a XXXX XXXX XXXX. BANK first filed notice to foreclose on home ( on which no mortgage payments had been made since XXXX ) in XXXX XXXX. OO ( who also became delinquent on her association dues in XXXX XXXX ) vacated home in XXXX XXXX. BANK filed a second notice to foreclose in XXXX XXXX, but again it never completed its foreclosure on this zombie home, delaying the sale date 8 times into XXXX. Our Homeowners Association ( HOA ) has records of notifying the bank at least ten times that this home had been vacated, and later that OO had won personal bankruptcy protection in XXXX. XXXX begged BANK many times to winterize home, but it refused, since squatters had moved into home in XXXX XXXX. Because of BANK 's failure to act, HOA foreclosed on this home in XXXX XXXX and paid to have squatters evicted later that year. HOA then fixed up the home that had become literally a " bunny '' sty. In XXXX XXXX agents of BANK broke into the home that HOA then owned without any warning to HOA. Severe damage was done to locks and doors by BANK 's agents. HOA then leased this home in XXXX XXXX for 18 months. BANK finally decided to foreclose on HOA 's home in XXXX XXXX. BANK sent notice to only HOA 's lessees, but never to HOA, despite the fact that HOA had been clearly recorded as the home 's owner. Throughout XXXX BANK ( through its third XXXX ' attorney ) willfully and in utmost bad faith ignored multiple requests from HOA 's attorney to negotiate a settlement with HOA. Without advising HOA, BANK auctioned off this home online in Fall XXXX. Successful bidder was a Flipping Company ( FC ). FC refused to pay HOA all that the BANK had cost HOA. Attorney for HOA tried again to negotiate with attorney for BANK ; but BANK refused to acknowledge any responsibility, claiming that the FC should be responsible. HOA 's attorney asked to see purchase agreement between BANK and FC, but BANK refused. In XXXX of XXXX, HOA reached modest settlement with FC, and later in the quarter released its association lien on the home. FC now owns the home, but HOA never reached any agreement with BANK. Since the BANK first refused to foreclose on this home in XXXX, the total NET losses ( after deducting lease income and amounts recovered under settlement agreement with FC ) that have been incurred by the members of our tiny, XXXX, townhouse community, solely because of the negligence of the BANK = {$21000.00}. These are only the special damages ; they include no general damages ( pain & suffering of volunteer HOA directors... who devoted more than XXXX unpaid hours to this problem ), nor any punitive damages, for the egregious and willful negligence of the BANK since XXXX.
Product: Credit reporting or other personal consumer reports

Credit companies, XXXX, Experian and XXXX are using my personal information and making it public without my written consent.
Product: Credit reporting or other personal consumer reports

I have been Battling XXXX for the past 10 years and I have recently discovered that my XXXX XXXX XXXX has been using my personal information to take out 3 credit cards in my name fraudulently without my consent XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX opened in XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX opened in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX
Product: Debt collection

I have asked for proof of this debt twice and have been ignored by : Merchants Association Collection Division, INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Amount of debt : {$520.00} Date of Service : XXXX/XXXX/XXXX Provider of Service : XXXX XXXX XXXX To Whom It May Concern, I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XX/XX/XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

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

My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX   XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence of furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX 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

ON XX/XX/2021, I received a notification from my credit monitoring service the XXXX inserted an negative account in the amount of {$4200.00}, on my Equifax credit report without any prior notification. 

I immediately reached out to XXXX for assistance and explanation who hung up the telephone several times and then told me to writing a letter. 

I do not owe XXXX, my account is and has always in good standing never late, never missed any payments. 

I believe this is retaliation based on my race, color, sex and for numerous complaints file with CFPB XXXX intentionally set-out to lower the credit score of XXXX Americans This is a clear violation for FCRA, I want this act investigated and XXXX held accountable for the aggress act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

Huntington Account for my conventional RE mortgage is shown as Included in Bankruptcy with no balance shown, but it should be reporting as good payments because I reaffirmed the debt.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, XXXX XXXX XXXX account shows on my report that it is late while I have been making all the payment onetime. 

On XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX show that I have a late payment. this account has been closed and should not have any late payment
Product: Credit card

I have attached my email communications with BofA with all of the dates and details associated with my problem. I am alleging that at least one of their associates of knowingly and maliciously committing fraud against me. I am also accusing XXXX XXXX XXXX, XXXX, XXXX XXXX, head of community banking and XXXX XXXX, head of Business banking of being AT LEAST complicit to this fraud for not responding to it. 

Please see the email attachments included and part of this complaint. They can be shared with whomever you see fit. If I get no resolution they will be shared with the State of Delaware'a Attorney General 's office and then the Department of Justice.