23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX XXXX money was withdrawn from a XX/XX/11 on XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX a total of XXXX $ were taken without me being there or my permission. 

I called that same day to file a dispute. They cancelled my credit card that was used. I still had this card in my possession so I know they copied my card and used it at the atm. 

They sent me an email on Sunday XX/XX/XXXX saying that they closed the investigation and no credit or money would be refunded back to me, if I had anymore information they would gladly reopen the case. 

I called them today XX/XX/XXXX, and asked to reopen the investigation. I sent them an email and they got to be back shortly after saying the same thing that they couldnt refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. I called CFPB and you called me back apologizing saying you will update it to paid on time for month of XXXX because it was reporting error and that error is showing up on XXXX information. 
The FTC report ID number is XXXX.
Product: Mortgage

I have a mortgage with Quicken Loans and I am having an issue with them. I live in a townhouse XXXX and a portion on the monthly payments to the HOA is to pay a master policy that covers the units. I have lived there for 15 years and have refinanced the property XXXX times. I have always been told by previous lender and even a member of Quicken Loans implied that the master policy provided by the HOA is sufficient to meet the insurance requirements by the mortgage. I have always have an additional policy which I pay for, it is not part of the escrow payment, to provide personal liability coverage as well as coverage for my personal property, my property which I own is not being financed by Quicken Loans. On XXXX XXXX, 2015 I had a water leak in my kitchen that caused damage to the kitchen cabinets. I called XXXX XXXX, the company that I pay for my personal protection and an adjuster was sent and the claim was approved. On XXXX XXXX, 2015 a check was sent out to me. When I received the check I went to deposit it, I was not able to do so because Quicken Loan was also a payee. I called quicken loan I was told to sign the check over to them and that a check would be issued to me within 72 hours from the time they receive it. I paid {$27.00} to have the check sent overnight. They received the check XXXX XXXX and I tried to contact them on the telephone several times to get an estimated date for the return check and the calls were not answered until I sent an email days later asking for a return call. The check was not returned to me until XXXX XXXX. Now my bank, XXXX XXXX XXXX is putting a hold on the check that is payable by XXXX XXXX XXXX until XXXX XXXX because they say that XXXX can not guaranteed that the check will be honored. What does that mean to me? Here we are almost 1 1/2 months later and I have not been able to fix the kitchen. I pay the mortgage, I pay the HOA dues that cover insurance on the building, I pay for my personal protection and Quicken Loans has created the chain of events that are completely unnecessary. The check has " For Payment of Restricted Escrow '' .... What does that mean? I am not required to have that policy, I pay for it out of my pocket, it does not go through escrow, my mortgage payments are up to date. What right does Quicken Loan have over those funds to put a restriction on the check. 
Quicken Loan sent my insurance a condo unit owner 's insurance request they say I authorize them. I have issues with the signing of the agreement. It was not for my policy it was for the HOA policy and that is what I was told.
Product: Credit reporting or other personal consumer reports

I have a loan open with Chase auto and they are not reporting my account to the credit agencies after my XXXX XXXXXXXX XXXX. There was a reaffirmation with this company and I am still paying on time for this loan. As well for XXXX XXXX I paid the loan in full and that was not reported to the agencies. I have tried to reach out to XXXX with no luck. Chase auto has not helped me at all to report my on time payments.
Product: Credit reporting or other personal consumer reports

I recently started getting a lot of robo calls, for accounts/collections that I have no knowledge of, I was shocked when I checked my credit report and saw 4 accounts and dozens of inquiries that I have no knowledge of.. I wrote all 3 credit bureaus to dispute these items on my consumer report via certified mail and filed a report with the ftc.. however the items are still on my report. I fill like XXXX, Experian, and XXXX have just ignored my disputes and I fill that they are in violation of : Act 15 usc 1681 I am a single mother trying to buy my first home for my family so naturally I need these items removed, although I haven't tried for home funding yet as I'm still saving I feel like these negative items will hurt my chances for funding or make my home loan more expensive than if my consumer report were correct and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A freeze is supposed to remain in place until you ask the credit bureau to temporarily lift it or remove it altogether. If the request is made online or by phone, a credit bureau must lift a freeze within one hour. On XX/XX/XXXX, I made an online request to Equifax to temporarily lift my credit freeze for XX/XX/XXXX. Equifax utterly failed to do so even though it repeatedly confirmed orally and online that the freeze was lifted because my prospective lender ( XXXX XXXX ) tried repeatedly to see my credit file but said she could not do so. In disgust, I made an online request mid-day on XX/XX/XXXX to permanently lift the credit freeze. However despite repeated assurances online and over the phone, my lender could not read my credit file either on the afternoon of XX/XX/XXXX or all day today XX/XX/XXXX. 
Equifax says it lifts a credit freeze within one hour and on my online Equifax account MyEquifax it appears to do so. But practically the freeze stays on longer than that because my lender can not read it. A few minutes ago I made my sixth call to Equifax asking why the credit freeze has not been lifted. Now Equifax is requiring me to complain to them in writing and to send them my social security card and my drivers license because I supposedly can not confirm information in my credit report -- a credit report I reviewed in detail yesterday and this morning and even disputed some outdated employment information in the file today. What is wrong with Equifax?
Product: Credit reporting, credit repair services, or other personal consumer reports

i've tried to have my credit report fixed through disputes, to no avail with all three major credit bureas. They are infringing on my common law copyright without authorization, they have caused me tremendous damage and suffering. I can not get approved for credit cards because they're willfully and knowingly violating their role in doing proper investigations. I've sent proof of XXXX XXXX credit cards paid in full with a XXXX balance and they are still reporting that i owe a debt when in fact I do not. Furthermore, I never authorized these agencies/creditor ( XXXX ) to furnish my non public information. They're not able to produce evidence of this, so now I've sent in my XXXX XXXX XXXX, Notice of demand, XXXX financing statement, and my legal/lawful notice of demand to which i'm demanding my credit file be updated with demands requested. I will continue business only if demands are met. I've been denied credit on numerous occasions due to the improper use of my credit report by these companies. They continue to ask for the same information when I was clear on the accounts in dispute, I also spoke with these agencies wherein experian was very disrespectful and threatening with abusive speech. They're assuming a vital role in furnishing information without authorization and will/shall be held liable if credit report demands aren't met. I urge them to aquire my written authorization from these so called creditors verifying that I authorized them to report anything on my behalf, which I never done. If these reporting agencies can not verify I want demands met effective immediately. This is the correct thing to do. My notice of demand must be adhered to. They're not authorized to furnish
Product: Debt collection

I contacted Credence Resource Management on XXXX. I spoke with XXXX and Supervisor XXXX XXXX about an XXXX collection that was reported by them on my credit report. I asked for proof of the alleged debt specifically the original application bearing my signature. I was told by XXXX that they would not be able to provide such proof to me. Under the XXXXair Reporting Act this item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. CREDIT COLLECTION SERVICES has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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. States a consumer reporting agency can not furnish an account without my written consent instructions. 15 U.S.C 1681 ( a ) SECTION 5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Equifax by mail and over the internet on multiple occasions to request they address my concern that they have placed two accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the Department of Veterans Affairs ( VA ) believed it had overpaid. Both of these accounts were paid but then both amounts were later refunded after a Congressional enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Equifax, and they both appear as consumer credit entries on my Equifax credit report, despite not being consumer credit accounts. I believe that Equifax has violated the terms of the XXXX XXXX consumer credit agreement with the Attorney General of the State of Alabama that Equifax signed in XXXX XXXX which stated they would not post non-consumer credit accounts into credit reports. I received my most recent response from Equifax today ( XXXX/XXXX/XXXX ) and the continue to ignore my complaint that the VA overpayments are not consumer credit accounts and only state that the " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. If you have additional questions about this item please contact : VeteranXXXX 's XXXX, XXXX XXXX XXXX, XXXX XXXX MN XXXX > ''. I do not believe that under the terms of the 31 state agreement that these accounts are authorized to be entered into my credit report per para 3C of 31 state agreement XXXX attached ) which states " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). '' The VA accounts were for overpayments and not consumer credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request to block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the XXXX and Equifax are obliged to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my previous letter & I am including it again. Also, the data you provided on these inquiries are UNKNOWN to me and were REMOVED from other bureaus and so I have doubt about the accuracy of these inquiries still reporting in my credit reports : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This is to inform you if you do not BLOCK and REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX mailed Experian a notorized affidavit along with my dispute. I sent it to them via certified maid by the us postal service. It has been more than 30 days and no response. By law they need to remove all the negative items i listed im the dispute. I will not keep allowing Experian to violate my consumer rights. They are ignoring me and wilfully and knowingly violating my rights as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

I was told what the interest rate was and that was included in total payment.no one ever told me about daily interest rates that is double interest any way you look at it.They charge about XXXX dollars each week until payment is due.It should be criminal for a company to charge twice for the same loan.Citi loan must be investigated of their practice of the charges accessed unknowing to a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB XXXX XXXX XXXX XXXX XXXX Draper, UT XXXX United States XX/XX/2022 To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/2022 by SYNCB. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Credit reporting or other personal consumer reports

This version is slightly more formal and structured for clarity. I am writing to formally dispute several inaccuracies on my credit report that persist despite prior verification efforts, which indicated the information was accurate and verified report # XXXX. 

These discrepancies pertain specifically to my XXXX XXXX account ( # XXXX ). 
1. **Past Due Balance on Charge-Off : ** The report shows a past due balance of {$3700.00} on an account that was charged off. It is unclear how this balance remains after the charge-off occurred. I request clarification on this issue? 
2. **Inconsistent Charge-off : ** The account was originally flagged for charge-off by XXXX XXXX on XX/XX/XXXX showing on your report, under the payment summary it shows a charge-off starting XXXXXXXX XXXX XXXXXXXX. I request clarification on this issue? However, this account is listed as a charge-off under your Grid Code : L. According to XXXX glossary ( BCI ), a charge-off does not have a recurring charge off code in the payment status of your glossary, yet my report shows recurring charge-offs each month. This does not align with XXXX guidelines and must be addressed. Given these inconsistencies, I request a full validation of this account, including a copy of the originally signed contract bearing my signature. Additionally, I would like to remind you that, as of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) amended the Fair Credit Reporting Act ( FCRA ) Summary of Consumer Rights. Consumer reporting agencies are now required to provide consumers with this updated summary whenever there is a request for disclosure of their consumer file. Please ensure this is included in your response. Thank you for your prompt attention to this matter. I expect a thorough investigation and the deletion of these inaccuracies. 

Proof of documentation is uploaded.
Product: Mortgage

I have had multiple hardships including the death of my husband I submitted a completed application for loss mitigation in hope of got ta modification when i came out of forbearance in XX/XX/2021. I was sent an acknowledgment letter from XXXX XXXX XXXX they assured me they sent my file to underwriting but they never answered the application the next thing that happened was they sold the servicing rights to Rushmore loan management company and they wont even talk to me they have been seeking aggressively to take my home, I was approved XXXX from HAF but they wont discuss a settlement with me. They motioned for summery judgement and I am still awaiting an answer on the modification I am a two hurricane survivor i experienced job loss due to Covid 19 right after my husband and co borrower died. I am receiving XXXX XXXX XXXX XXXX and could afford the payment now but they dont want the money. They mis placed funds i paid in lost my escrow a lot of violations have occurred please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my Transunion,  XXXX  and   XXXX   credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections  for about seven days and then automatic report the incorrect information agin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to my XXXX XXXX/XXXX  account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX ( XXXX ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at express that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by 39 points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

All I am asking is that Equifax kindly have my new address ( not new anymore ) inputted into the system and continue my security freeze which I am entitled to according to OR laws surrounding this issue. My complaint is I have not been able to lift this freeze on my own. The automated system will NOT allow me to do it. I have been denied credit because I can not lift the freeze. Equifax has told me in the past they will remove the security freeze, but that 's not what I 'm asking for. I 'm asking for 1. your records to match my actual address 2. I have a password that will work when I call to lift the freeze on my own and 3. that the security freeze REMAIN on my file.
Eqifax responded to my most recent complaint by merely removing my security freeze. This brings me back to step one ;  something I completed with all XXXX reporting agencies two years ago ; Equifax is the only one I 'm still fighting with. I  am protected by Oregon law. I had a security breach in XXXX, NV dated XX/XX/XXXX. I merely MOVED to OR, and have not been able to access Equifax credit after sending in a copy of this police report, my OR DL, a billing statement to prove my address in to Equifax. Since then I have attempted to write, call, include other agencies, all but taking legal action which is the next step as Eq has given me no other choice ; for whatever reasons my issue is still NOT resolved. Equifax, is this truly how difficult it is to have something so very simple taken care of? I am baffled. Like I said, you sent the attached letter to me over a year ago, verbatim. I have n't lived at that address since XX/XX/XXXX. I do n't understand why it 's taken so much time and energy, and it is still not fixed. Can someone with actual authority tell me? Furthermore you informed CFPB in response to my last complaint that you mailed a complimentary credit report. I never received it ; just the attached letter stating you have finally updated my records. PLEASE fix this problem.
Product: Debt collection

I had an account with XXXX XXXX XXXX and I tried repeatedly to get them to discontinue the service, I told them I no longer wanted it. I returned the equipment and I continued to get billed. I called to dispute the charges and I was told that there was nothing I could do because it had be referred to collection so just wait for them to contact you. When they finally did contact me they referred me back to XXXX XXXX who is now XXXX. When talking to XXXX  I explained the issue it was they investigated it and found that I was correct that I didnt owe the {$320.00} in which they had reported to collections and had been disputing, it was corrected to the amount of {$48.00} that I had been disputing. I made the payment for the {$48.00} that I did owe once they had it correct in the system. I am disputing this collection beginning added to my credit report and not being removed once the creditor and collection agency saw that it was incorrect which is a misrepresentation of facts as well as slander.
Product: Checking or savings account

I have recently paid Bank of America XXXX for a closed acct and XXXX XXXX XXXX for a closed acct documented and XXXX XXXX.. but bofa has place me in ews and I am unable to open any acct .. 
says account closed due to attempt to extract from acct in 2013 ( 2 ) .. I just want this removed so I. An move on with my life
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX for the amount of XXXX $ that was establish on XX/XX/2020 as mention before I'm a victim of identity theft and around COVID-19 some one took over my bank information and identity from the XXXX market, and lost all access to my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My XXXX child  was born in XX/XX/XXXXand prior to that I was XXXX. 

1 ) New York State Department  of Social Services ( XXXX XXXX ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. Thank you.