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

I have been dealing with issues with Equifax credit reporting agency for almost 1 year now. I have been attempting to get a construction loan to build my house and 4 different lenders have been unable to pull mine and my husbands Equifax report. They have consistently gotten XXXX and XXXX with no problems. I filed a complaint after hours on the phone with no resolution on XX/XX/2022 with CFPB. The result of this complaint was stated to be resolved by Equifax however their answer was the same I had gotten every time I called. It was in essence not resolved. Now almost one year later I am attempting my construction loan and again the bank can not retrieve my credit report from Equifax. XXXX and XXXX are fine. My husband and I have been on the phone 3 more times in the last week trying to get to the bottom of it with no avail. Every person we speak to states there are no freezes, no fraud alerts the company should be able to pull the report. We have done authentication verification with Equifax as supposedly this would clear it up and today, the bank still could not pull the report. We have been going through this for a year now. Its absolutely ridiculous that no one can figure out why this is happening and only with Equifax. I am emotionally spent and so disappointed that I can not move forward with my home because they cant manage to fix whatever this problem is. Something is wrong and they need to figure it out. I have tried absolutely everything I can at this point. We need some help. I have attached a screenshot of what the lender received and this is after 3 phone calls over the last 3 days and everyone stating there shouldnt be a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that SANTANDER CONSUMER USA # XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Product: Mortgage

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding LoanCares Mortgage Adjustment and Escrow Mismanagement Dear CFPB, I am writing to file a formal complaint against LoanCare regarding their improper adjustment of my mortgage, which has caused significant financial hardship. The root of the issue lies in an escrow modification made by LoanCare without proper documentation, resulting in a negative escrow balance when it came time to pay my property taxes. LoanCare is now attempting to collect the overage under terms that I can not afford. 

Since this began, I have attempted to communicate with LoanCare multiple times via emails and phone calls, but the representatives I spoke to either provided inconsistent information or admitted they did not have the correct answers. Furthermore, LoanCare stated that my modification application was denied, but I never received any formal notification, despite their claims of having sent it. 

One of my main concerns is the companys delay in responding when all required documents are submitted correctly. On the other hand, they respond immediately if something is missing. I have documented call times, messages, and all the communications and documents Ive sent to them. 

I originally applied for the mortgage modification on XX/XX/year>, and filed a complaint with the Better Business Bureau in XXXX of this year. My ultimate goal is to resolve this situation, keep the property in good standing, and bring my mortgage payment down to an affordable level, ideally less than {$2000.00} per month, or no longer have to deal with the ongoing issues caused by LoanCare. 

I respectfully request that the CFPB investigate this matter to ensure that LoanCares handling of my mortgage is in line with the proper regulatory standards and to help me reach a resolution. 

Thank you for your attention to this issue. I look forward to your response. 

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

This is in reference of a XXXX XXXXXXXX account I've writing the credit bureau XXXX Equifax XXXX about this account for the past month regarding the the wrong information that's in there for them to remove but its there effecting my credit, if after any reinvesigation under paragraph 1 of any information disputed by a consumer an item of the information in found to be inaccurate or incomplete or can not be verified the consumer agent shall promptly delete that item of information from the file of the consumer or modify that item information as appropriate base on the result of the reinvestigation Also take into consideration this account dated since 2006
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on my credit report is incorrect starting with my name, address. Experian showing my personal information misspelled names and my current address showing old addresses listed below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NAME ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Product: Student loan

I was contacted by a company last year. The company was called XXXX they said if I pay a consolidation fee that after a few years my loans would be forgiven. They said they would walk me through everything and keep me updated. After a few months I talked to my actual student loan provided and said I was not in such a program and that was not true. I tried to get a hold of the XXXX company and it seems like they changed names a few times. Now they are called https : //www.simplerepayment.com/ Simple repayment. When I traced who was taking the money out of the account I called the bank to stop it and the company put a collection notice out and said I had to pay or else I would be taken to court. At this point I had no contact with anyone from the student loan group or the collection agency taking the monthly deposit out. I have tried to cancel but can not and they keep taking a monthly fee out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2019 ..I been fight with this company call XXXX XXXX about these late dates they are reporting on my credit reports after return the car into them and they are just keep reporting wrong info Evey month on all 3 credit bureaus k check my credit this morning my score drop 23 points because of them Equifax it's says charge off XXXX it says repo XXXX it says repo so it's not reporting right and I want them to remove it from all 3 credit bureaus asap they messing my whole life up with this ...
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there 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, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Ive contacted credit bureaus on hard inquiries on and stated that I dont recognize who companies are on my credit report Ive filed identity theft report and I disputed I didnt give anyone my information or authorization to run my credit I have updated address new phone number 's and have added more security and credit monitoring fraud alerts to try to prevent I also appealed things .Ive stated that I want removed and I explained its hurting my credit score negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX Opened XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX
Product: Checking or savings account

I have reported since XX/XX/XXXX to bank of America fraud and suspicious activity. XXXX  researched my complaints and after her intense research as her XX/XX/XXXX letter states my complaints have grown substantially.

XXXX  states in her letter that she was sending me the original signature cards for all 3 accounts XXXX XXXX XXXX XXXX was not original from XXXX I and XXXX  that is stated on her letter sent to cfpb says she included the XXXX. Original signature card. False.

I still am requesting all original signature cards for court. It is going to prove my complaints.

XXXX  letter also states falsely that I notified boa on XX/XX/XXXX of my new XXXX XXXX address XXXX XXXX nc XXXX   when she stated I opened the account solely in my name. False.

I did not open a boa account in XX/XX/XXXX. I did not report my address change on that date either BECAUSE THE UNITED STATES POST OFFICE OF XXXX XXXX NC XXXX RECORDS SHOW I did not have XXXX XXXX   XXXX XXXX nc XXXX  ON XX/XX/XXXX. I HAVE THE RECORD showing a date of XX/XX/XXXX as per attached application I am hereby again requesting boa to produce all original signature cards and documents from my XXXX  account as per boa and the XXXX XXXX. I NEED THESE FOR COURT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

I had an agreement with this company to be on a hardship program. Part of this program I was allowed to make smaller payments for a certain amount of time. This company took money from my checking. This was to help me to get me back on my feet and not to damage or impact my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX pulled my credit due to being denied a loan Sears cbna listed on credit report It says closed XXXX Date reported to who # # # # # # Va unclaimed?? 
But THE PAYMENT HISTORY on my credit report shows some persons used. My SEARS CBNA CARD in XXXX. I was homeless and had no credit cards on my person only my debit bank card from XXXX thru XXXX # # # # # And I had no phone until XXXX approx XXXX # # # # # # # # : : XXXX XXXX DOLLAR limit It says payroll deducted I HAVE NEVER AUTHORIZED AN ACCOUNT TO BE PAYROLL DEDUCTED I have asked cbna for the info on file for my sears gon na card NO RESPONSE SINCE XXXX I NEED where the card has last been sent to when the card was documented used Address Phone The payroll deducted account info that sears cans bas for my card And the name of company it was being payroll deducted from and their info and BANK ACCOUNT # used to pay for the charges I need this ASAP SO I. Can catch the persons who stole my identity. Since XXXX I have over one million dollars plus missing Unaccounted for Identity theft registered with FTC and confirmed by the office of comptroller for Currency USA I want the credit info as per I have requested numerous times to reciver my identity asap sent to me at only XXXX XXXX XXXX nc XXXX Only XXXX Only My birth XXXX XXXX
Product: Debt collection

Hunter Warfield company been contacted me and my family several time to collect the pending due for balance submitted by home leasing company ( XXXX XXXX  ) we were staying there. 
I told them that the home rental property is charging us unnecessary money and we did pay the one month penalty while leaving the apartment. But Hunter Warfield collecting company continusaly harrased us and troubled us in this kind of COVID-19 situation where people are struggling to live for life. I explained them my situation but they did kept calling without understanding our job, family and financial situation. Now they have reported to credit companies which cause damage to our credit history. I want them to remove negative mark to our credit report, this will struggle us a lot. We hope you make them to track back negative reporting to credit companies. 

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

I have made the same disputes with all three credit bureaus for months. Just recently XXXX  rectified the situation by removing all the incorrect information from my report. After that was completed, I reached out to XXXX   and experian to see what was necessary to remove the same items. I was told to dispute it. I explained I disputed multiple times and it was returned as correct info. They said since XXXX  removes the items its likely if I resubmit the dispute the same ones will be removed for their reports as well. So I disputed it again, to my surprise it returned as correct information. So I called again and was told the companies provided evidence it was correct. I asked how could it be correct for this report and not for another? I also asked if I could get this supposed evidence and was told to reach out to the companies. I dont think its fair that I have to keep disputing for months and the two reports still show incorrect/ fraudulent information. I want the items I have disputed numerous times to be removed. I even offered to provide proof XXXX removed the items and was told it wasnt needed. At this point I dont know what to do, but it rectify ASAP so I can repair my credit score.
Product: Credit reporting or other personal consumer reports

In XX/XX/2019 I financed a vehicle with this company and they car was total loss so I work a settlement with them after I pay them they paid off course they still marked my account as late payments and derogatory
Product: Checking or savings account

Cash app was not letting me have access to my funds for numerous amounts of time I called one time and they didnt give me access and also took a long time to receive my password reset. I also had over draft fees charged to my account for numerous amounts. The dates to be exact were from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX Credit Card Account and Card currently listed on my Experian and XXXX credit report is lost/stolen : XXXX. My XXXX XXXX XXXX Credit Card is lost/stolen. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax ordered a hard inquiry WITHOUT my signed authorization! Per the F.C.R.A., either have them provide a signed application document with my signature ( XXXX XXXX ) authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.
Product: Checking or savings account

I have been locked out of my Citibank account for days. I can't log in with my user name and password, although I've logged in before and I'm sure the user name and password are correct. Then it asks me for my debit card number and mother 's maiden name, which I'm sure I entered correctly, and it still won't let me log in. I phoned Citibank two days ago ( Thu XX/XX/2019 ) and the customer service rep said that there was no problem with my account and no block on it. But I still can't log in and today received an email that my account access had been blocked. I suspect they're getting revenge because I filed a separate complaint recently. I tried the online chat with Citibank, but it won't let me chat unless I'm logged in and I can't log in.
Product: Credit card

I have a Capital One credit card and they introduced a new feature- Capital One XXXX- where you can get rewards for shopping at a variety of different stores. I made one purchase and spent extra because there was an opportunity for rewards from Capital One XXXX. This was my first purchase using Capital One XXXX and the transaction was on XX/XX/XXXX. On XX/XX/XXXX I received an email that said that my account was suspended. There was no information as to why, they only linked the terms of service. I read through the terms of service and did not violate any of the terms. I have subsequently tried to re-read the terms of service but the page no longer works. I tried calling and they said I had to email for help because they couldn't accessing anything over the phone. I emailed and the response I got was : " Thanks for contacting Capital One XXXX! 

We regret to inform you that your Capital One XXXX account has been suspended. We reserve the right to suspend your Capital One XXXX account and services at any time for any reason not prohibited by law. Additional information on our policies and practices can be found in our Terms of Service. Please see our instructions for how to uninstall Capital One XXXX on your specific browser type. 

We appreciate your understanding. 

Because my account is suspended I don't have access to the rewards I collected from that purchase, and the subsequent purchases I thought I was making and getting rewards from, didn't count because my account had already been suspended. When I made those secondary purchases, there was no indication that my account had been suspended. It appeared as if I was still getting the rewards. It wasn't until I searched in my email for my rewards that I saw my account was suspended. 

Without them giving me any reason to suspend my account, I believe their business practices are fraudulent. I researched and saw that there are a number of others who have had a similar experience with this service.
Product: Credit reporting or other personal consumer reports

I have requested removal of accounts that do not belong to me. I have sent the credit reporting agency a copy of my driver 's license, social security card, entire police report, identity theft report from the FTC and address. The accounts in question are, XXXX XXXX XXXX filed XX/XX/XXXX, XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have sent certified mail all documents including list, proof of identity, identity theft report from the FTC and police report that was signed for at the company. However, the credit, bureau has not removed the incorrect information related to the identity thest that has occured.
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : LVNV FUNDING LLC Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. I request the immediate blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are fraudulent and must be removed : Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$42000.00} XXXX - XXXX - XX/XX/XXXX - {$32000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$4400.00} XXXX  - XXXX - XX/XX/XXXX - {$90.00} XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX