23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I had to file Bankrupcy and though the XXXX Ally Finical continued collection ativity. After my discharge and having reaffirmed the debt I arranged a payment arrangement to catch up on my past due and remain current. I received a " final demand ; letter '' despite my payment arrangement and I am being threatened with repossession despite thAlly agreeing to the payment arrangement being made and the Bankrupcy and collectiions person telling me that as long as I held to the arrangement this would not happen.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report that violate 15 USC 1681c-2. Please remove these inaccuracies promptly to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous requests to Transunion, XXXX, and XXXX to remove the Collections account XXXXXXXX XXXX XXXXXXXX XXXX for {$4600.00}. I have also contacted the predatory collection company of XXXXXXXX XXXX XXXXXXXX to let them know that this is not my account and explained to them why and then never responded. This is not my account and is a fraudulent account. In XXXX my Mail Box was broken into many times and sensitive information was stolen. When XXXXXXXX XXXX XXXXXXXX sent me the validation of ownership the information was not mine. The physical address was not mine, the email address was not mine, the phone number is not mine, and the bank account where the money was deposited was not mine. I have attached the paperwork that they sent me that contains information that is not mine. This proves that it is a fraudulent account and needs to be removed from Transunion, XXXX and XXXX Credit Report ASAP as it is stopping me from refinancing my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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. 

XXXX XXXX XXXX  # XXXX and Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX  # XXXX and Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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. 

XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the ongoing presence of a fraudulent accounts on my credit report. Upon reporting the incident of identity theft, I promptly contacted the company associated with these fraudulent accounts. While they acknowledged the validity of the report, they stated their inability to provide records. However, they assured me that upon submission of the necessary FTC report, the fraudulent accounts would be promptly removed. 


It is important to mention that both XXXX and XXXX have already removed these accounts from their records after discovering and correcting an error. I am puzzled by the fact that your agency continues to verify these accounts despite its removal by other agencies. I urge you to delete these accounts from my record as it is inaccurate and has already been acknowledged as such by other companies. I demand immediate action to remove these fraudulent accounts from my credit report, especially considering its fraudulent nature has been recognized and agreed upon by the companies involved. Please promptly remove thirse fraudulent accounts due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, Hopefully you've heard of the Walmart/Capital One disaster. Cap1 took over Walmart 's Credit account 's, the switch was in XXXX. I attempted three times to login to Cap1 to set up the new account and pay my bill, and set up autopay in XXXX, before the switch and after the switch. 

This has happened to ten 's of thousands of people from what I'm seeing online. There was barely any notice then we could not log in. Late payments have been reported on us that have always had perfect payment history. I had two late payments reported, which subsequently led XXXX XXXX  to close my {$4000.00} XXXX XXXX account. 

The two late payments and Closing of a {$4000.00} account has caused my score to drop almost 200 points! 

I had ZERO late payments ever until this Cap1 takeover. I made the attempts to pay my bill. Now my credit is scarred for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I noticed 3 fraudulent charges on my account : for merchant XXXX on XX/XX/XXXX, in the amounts of XXXX and XXXX, and for merchant XXXX XXXX, on XX/XX/XXXX, for XXXX. I called many times trying to flag these fraudulent charges. When I first started calling it was impossible to get through at all -- there was a message just saying something like, " we are very busy during this transition from XXXX to Barclay 's, and just can't talk to you right now. '' Then I made many more calls. After getting disconnected many times, and getting transferred all over the world, I got charge from XXXX XXXX taken off, but not the others. But please note that they never gave me any provisional credit while there investigations were underway. Over the rest of the summer I made numerous calls, got disconnected and transferred countless times, was told the complaint had been investigated numerous times, and was never issued a provisional credit. At no time did they ever send me an email acknowledging any of this, not even when I filled out the fraud form on their websited ( screencap attached ). Finally, around XX/XX/XXXX, they removed the remaining fraudulent charges. Then, after I called again, got disconnected, transferred, etc., they removed the late charges they had spuriously charged to my account. But AT THE SAME TIME, they reported my account as delinquent to one or more credit bureaus. I just called and spent hours trying to get them to do something about this. The answer was, you guessed it, no dice, we are doing nothing. 

This is the worst credit card I have ever used, in 27 years of using credit cards. It's both XXXX and Barclay 's that are at fault, though Barclay 's had the temerity to tell me that it was all XXXX 's fault. The only other time I had similar trouble in getting fraud prosecuted was when I was living in XXXX XXXX around XXXX, using the debit card for a XXXX bank. So the fraud protection this card offers seems to be comparable to the standards of the developing world around the turn of the century.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with Discover for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then Discover certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.
Product: Credit reporting or other personal consumer reports

Experian XX/XX/2023 Friday, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Experian 's XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

Dear Experian, I received a copy of my credit report and am writing to dispute the following information that appears on my Experian report. I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/2023, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611. 15 U.S. code 5 1681b- Permissible purpose of consumer reports. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. These inquiries were not authorized by me and I would a full investigation and documentation of who may have requested these credit pulls. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to METRO-2 compliance between your firm and your contracted reporting Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. 
Please verify or remove immediately the following : XXXX XXXX Acct # XXXX XXXXXXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete these accounts. 

Also the account : XXXX XXXX- Acct # : XXXX IS NOT LATE AND HAS NEVER BEEN LATE. PLEASE CORRECT AND UPDATE ANY LATE OR MISSED PAYMENTS ASSOCIATED WITH THIS ACCOUNT IMMEDIATELY. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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. 

Thank you for your time and help in this matter. 

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

I went to apply for a checking account at US Bank in XX/XX/XXXX. When I applied I I was told by Assistant Manager XXXX XXXX that I will pre approved for a line of credit. I asked him several times if I decided to proceed, would this be a hard inquiry on my credit report. He ensured me that it would not be a hard inquiry it is a soft inquiry. I then decided to proceed. He also stated that I would have 30 days to apply for a credit card using this soft inquiry. The next day decided to try to apply for a credit card after knowing this. That same day I got a credit monitoring alert from XXXX and XXXX which showed a hard inquiry on my credit reports. I called and spoke with XXXX about this the next day and he stated that " he never said it would n't be a hard inquiry. '' He is then told me that I would have to send in a claim to there claims department. I called their claims/fraud department and started a dispute with them. A few weeks later I received a letter stating these inquiries we 're verified. I decided to call the branch back and I spoke with the branch manager XXXX XXXX. XXXX stated that there is some information on his end that needs to be submitted and offered to call me back. He called me almost a week later and said that he submitted the necessary information so that these can be taken off. It has been nearly two months since he told me this and the inquiries are still showing on my XXXX and XXXX credit report. I have not contacted them back since because at this point I 've lost faith that they did their beat to rectify the situation.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of imitations. You failed to investigate this account properly and your neglect has violated my nights. I gave you guys two chances to investigate this account and it still has factual errors. I am now demanding a deletion to, the following account : XXXX XXXX XXXX XXXX - XXXX.
Product: Mortgage

I am compelled to escalate my complaint regarding the persistently unresolved loss mitigation application with First Home Mortgage, serviced by XXXX, initiated on XX/XX/2023. Despite submitting three complaints to the Consumer Financial Protection Bureau ( CFPB ) in an attempt to address the issue, the lender 's responses have been characterized by misinformation, evasion, and a disturbing lack of accountability. 

A particularly egregious aspect of this ordeal is the lender 's frivolous claim regarding the reopening of the Maryland Housing Assistance Fund ( MHAF ), which was unequivocally closed due to the lender 's negligence in XX/XX/2023. Contrary to their assertions, my diligent follow-up with the MHAF, including a recorded conversation with a representative in XX/XX/2023, confirms that no such communication or reopening has occurred. This misinformation not only misleads but also unjustly raises false hope of potential relief. 

Moreover, it has become evident that First Home MortgageXXXX has engaged in deliberate stalling tactics concerning the processing of my application. This calculated delay appears designed to exacerbate the financial burden on my account, thereby increasing the balance owed. Such practices are indicative of a broader predatory approach, especially towards veterans, exploiting their circumstances for profit. This assertion is substantiated by numerous complaints lodged against the lender, pointing to a pattern of unlawful and unethical conduct. 

The lender 's continued disregard for the Department of Veterans Affairs ' moratorium on VA-backed delinquent loans, their inaccurate reporting to credit bureaus, and their overall opaque and obstructive handling of my case, are matters of serious concern. These actions not only contravene ethical lending practices but also inflict undue stress and financial harm on those they purport to serve. 

Given these circumstances, I urge the CFPB to take immediate action to address these grave issues. It is imperative that First Home Mortgage/XXXX be held accountable for their actions, provide a transparent and expedient resolution to my loss mitigation application, correct any misreporting to credit bureaus, and ensure compliance with all relevant directives and ethical standards. 

I am fully prepared to furnish any additional documentation or evidence that may be required to support this complaint and facilitate your investigation into these matters. 

I trust in the CFPB 's commitment to protecting consumers from predatory lending practices and look forward to your prompt and decisive intervention.
Product: Debt collection

I received all the loan information from an attorney ; my sale, the sale Exeter Financial made when they sold my car, the addition funds from XXXX XXXX used to pay for the vehicle, and the amount XXXX XXXX XXXX XXXX I owe fails to leave out what Gap Insurance paid. They added the amount prior to what was owed, and I will be submitting all of the paperwork, Installment Sale Agreement ( with XXXX Provisions ). It is clearly written out in the contract, itemized ; detail by detail.
Product: Credit card or prepaid card

I filed an {$1800.00} claim for a manufacturing defect in a TV purchased at XXXX on XX/XX/XXXX with Chase Card Benefit Services under their advertised Extended Warranty coverage benefit as a Chase Sapphire Reserve credit card holder. 

I provided all requested information including copies of purchase receipts, credit card statement, copy of manufacturer warranty, 3rd party repair estimate and diagnostic fee as requested. 

Chase denied the claim on XX/XX/XXXX as it was covered by an extended warranty from the merchant
Product: Debt collection

EQUIFAX has been made aware i have been a victim of identity theft and refuses to remove accounts that i have no knowledge of both Accounts - XXXX
Product: Credit card or prepaid card

Accordance with the Fair credit reporting act this creditor Capital One has violated my rights under 15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 Ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment
Product: Payday loan, title loan, or personal loan

Car loan via Hyaundai Motor Finance was paid in full on XX/XX/XXXX. It was then processed and a lein release was mailed XX/XX/XXXX and received by XX/XX/XXXX. However a title was never mailed to my residence. I have contacted Hyaundai motor finance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. The original title to my vehicle has no been mailed and is preventing my car from having current registration which can result in legal action.
Product: Checking or savings account

XX/XX/2022 I initiated an ACH transfer to XXXX of XXXX. I received email from bank notifying me of ACH transfer. XX/XX/2022 I had a starting balance of XXXX. I noticed after a few transactions that day that XXXX was missing from account but there was no transaction history. I assumed the XXXX that was missing was dispersed to XXXX but XX/XX/2022 the payment was returned as in sufficient funds. I contacted the bank and they are telling me my account was negative at time of deposit but that is not true. I am only given a XXXX limit to overdraft but they are saying my account was negative XXXX My account never showed a negative balance on the app. The bank statement I was sent did not match the information I have available to me on the app. After speaking to XXXX in customer whom refused to give me a supervisor I believe I am being defrauded by current bank. I then spoke to a supervisor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and faxed Experian, XXXX, and XXXX   on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.
Product: Credit reporting or other personal consumer reports

As you are aware, as stated in XXXX ID : XXXX, I am a victim of the XXXX XXXX with Equifax. I have notified Equifax of this matter and sent required statements, identification, and documentation for their Agency to remedy this issue. The allotted XXXX XXXX  they had to block and delete this information has surpassed. I received notice from CFPB that the company received necessary documents on XX/XX/24 ; it is now XX/XX/24 and I have not received equitable relief as the identified fraudulent items are still being reported against my person. Please assist me in following up on this issue by enforcing the consumer reporting agency to block and DELETE these items from my consumer report. Once Equifax takes proper equitable action by completing my request, I would like an updated copy of my credit report sent to me via mail. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear Sirs and Madams : Hope this finds you well. I am completely distressed because my mortgage service provider, Specialized Loan Servicing LLC ( SLS ), refused to honor on the credit reporting the fact that I was unable to pay my mortgage during the heightened months of the Covid-19 pandemic. I was greatly affected by the pandemic during the months of XXXX, XXXX, XXXX and XX/XX/2020 and didn't even have the wherewithal to find out about the easy steps of putting a forbearance into place, and was certainly not in a position to engage in the forbearance process. However, unfortunately, I have since found out, that even for individuals who tried to put a forbearance in place, SLS still often did not honor these forbearances on the credit reporting. After the above aforementioned covid months, I completely caught up on my mortgage payments, including anything owed during those months ; my mortgage is currently perfectly up to date in payment, yet, my credit is ruined by SLS because of their reporting late remarks for the covid months of XXXX, XXXX, XXXX and XX/XX/2020. I have begged SLS to remove the credit report late remarks of those four months. Can you help me?
Product: Debt collection

Premium Assets has called our # numerous times over the past few months. We usually are not home to get a call and most times they do not leave a message. Several times they left a message and it may be for an estranged relative. Two weeks ago i was home and answered the call and told the woman, who would not give her name, that they needed to stop calling our #. She said they would remove our #. Today at XXXX a woman called again. I told her again to quit calling our #. She asked why we never answer the calls. I told her it was none of her business and that the person they are calling can not be reached at this #. She became snippy and finally said she would remove our # from their list. I told her i requested that before ... she said again it would be removed. at XXXX she called again. and before she could continue harassing me I told her that I had just talked to her and since she did not take me seriously I was filing a complaint with the ftc. She disconnected the call. I am not happy being hounded for a debt that is not ours. Please review this claim and if possible please advise this company that if they continue to harass us I will be filing more complaints. On several messages they have left they have advised that we are going to be served with legal papers if we did not respond by XXXX that day. Well many of those days have gone by and no one has shown up at our door with papers. I am tired of them continuing to contact us. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This business, who advertises their false services through social media such as XXXX, is nothing more than a scam, deliberately keeping peoples money who need help and not providing the service they promise upon receipt of payment. 
When you first call for a consultation, they are very quick to ask for their upfront fee of {$270.00}, and then they ask you to schedule a call to go over your credit issues, but you cant schedule a call until 2-3 months later. 
I did just that, expect that when they decided to call me back over 2 months later, I had already solved my credit issue on my own. 
I filed a lawsuit against the credit bureaus in which I prevailed and got the fraudulent items removed from my reports. 
This company did absolutely nothing more than lie and steal my money, as they have done with every other innocent potential client they have ever tried to have. Their reviews under the XXXX speak for themselves. They scam people and get away with it. 
I filed a charge back with my credit card company and this ridiculous company argued that they provided a service which they most definitely did not. Therefore my credit card company inadvertently sided with them, not knowing what the scam they are dealing with. 
Their owner, XXXX XXXX XXXX, constantly uploads videos on XXXX bragging about all the money he has deliberately taken from people. This scam of a business must be stopped.