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

I am writing to file a formal complaint regarding an unauthorized inquiry made to my credit report on XX/XX/XXXX by XXXX XXXX. I would like to assert that I did not initiate this inquiry, nor did I authorize anyone else to make any application on my behalf. 

I contacted XXXX XXXX on XX/XX/XXXX and they have determined that the inquiry was not authorized and has agreed to delete it. The inquiry has been deleted from the other two credit bureaus weeks ago, however, TransUnion has failed to remove the inquiry, leaving me with no means to dispute or resolve this matter directly. 

Given the gravity of this situation and the potential damage to my creditworthiness, I am turning to the Consumer Financial Protection Bureau to seek immediate assistance. I ask that you take swift action to investigate this unauthorized inquiry and ensure its immediate removal from my credit report. I understand that the Consumer Financial Protection Bureau has the authority to address and rectify such violations under the Fair Credit Reporting Act ( FCRA ). 

I expect that you will exercise your power to protect consumers like myself and hold the responsible party accountable. I demand a thorough investigation into this matter and immediate action to delete the unauthorized inquiry from my credit report. Additionally, I request that you provide me with regular updates on the progress of this investigation. I trust that you will handle this complaint with the urgency and seriousness it deserves. 

Thank you for your attention to this matter. I expect a prompt response and resolution to this issue.
Product: Debt collection

Demanding that these fraudulent accounts to be remove immediately. This is violation of my consumer rights, and defamation of my character. I did do any busy with this company and I didn't give prior consent to contact me and I am requesting for Portfolio recovery associates to cease and desist. Attached is the ftc report Portfolio recovery associates.
Product: Debt or credit management

Transunion is a massive multi-billion-dollar company without competition and has almost no competition. My needs have not been addressed the company has nearly total beaurecratic power and no competition as the business is presently structured. They need to have the manpower to justify this and attend to the needs of tens of millions of customers and which they at least have not done with me. I need the damaging false credit information removed from my credit report immediately and the creditor blocked.
Product: Mortgage

I have a mortgage account with Wells Fargo Home Mortgage. Since I have paid the property tax, flood insurance and homeowners insurance by myself, I have never set up an escrow account. During this summer, I noticed an escrow account with my mortgage. I called the customer service and sent the copy of my insurance policies. They acknowledged that they had received my insurance policies. Still they refuse to credit me the escrow they charged on me. Right now I am paying double for the insurance. Is it legal for a financial company to charge an escrow even on the account with paid insurance and paid tax? I am the one who paid the insurance premium and Well Fargo is trying to scam me by taking money from me.
Product: Debt collection

On XXXX XXXX, XXXX I recieved a call from XXXX with portfolio recovery regards to a repossession. I explained that I didnt have a car repossessed I proceeded to write them a letter requesting verification of said debt on the following dates ( XXXX/XXXX/XXXX, XXXX ) neither time was i furnished information regarding this debt. This Debt was due to be removed from my credit report on XXXX XXXX. This company reported false payment history on my credit stating I made payments to the XXXX ( this is continued false information ) .I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of payments made, never providing information that i owe said debt according to the FDCPA the amount is more than the previous reported items. ( A ) the legal status of the alleged debt stating that it is with attorneys via my credit report.
Product: Credit reporting or other personal consumer reports

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 XX/XX/XXXX I would like for these Inquiries to be deleted from my credit report with Experian, XXXX and XXXX. I did not authorize these companies to run my credit. This is fraudulent.
Product: Credit card

I hired mover in XXXX of 2023 to load items from my apartment into a XXXX storage unit. The XXXX came with XXXX furniture pads for protection of the customer 's items. I hired XXXX XXXX  in Arizona which I found through XXXX recommended moving labor services. When the items arrived to my new home in Arizona most of my items were damaged because they had been piled on top of each other without pads placed in between. Only XXXX of the XXXX furniture pads were used and some of the plastic bundles of pads had not even been opened by the mover. I reached out to the mover and he did not respond. I have filed a claim for the damaged items. I contacted Capital One and provided them all of the documentation I am providing to you. They gave me a temporary credit of the XXXX. A few days ago they reversed the credit and told me that the vendor had responded and I was to provide proof of my communications with him to resolve the matter. I have already done this! I have been a customer of Capital One for XXXX years and this is perhaps only my second dispute. I have already filed a claim for the damaged items but I want credit for the moving services that were not provided as advertised.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXXhree written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Product: Mortgage

Home mortgage loan was transferred to another provider without notification. The loan had been on automatic payment with the original provider. The original provider was aware that I did not reside at the property address ( it is a rental ). The new provider failed to extract my mailing address from the old provider 's contact information however it did have my phone number. No one contacted me to inform me that : 1. The loan provider had changed. 2. My account was in default due to non payment ( 90 days ). 3. My credit history is now severely affected. I am looking to restore my credit history to the state prior to this incident. We have paid all past due balances.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent a dispute letter to Experian along with my ID I received an email on XX/XX/ that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time Experian has done this to me. These are the dates that I sent the dispute letters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX and then on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no relation to this fraudulent account titled XXXX/DEPT OF ED ( Missouri Higher Education Loan Authority ) on my credit report. I have not received any service or product from XXXXDEPT OF ED ( Missouri Higher Education Loan Authority XXXX XXXX XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) is a fraudulent account and is inaccurately reporting on my credit report. I can not assume an account I know nothing of to be mine. Due to XXXX/DEPT OF ED ( Missouri Higher Education Loan Authority ) inaccurate reporting I am a victim of identity theft as someone in that organization is using my information without my authorization. XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, and I don't know who they are. After way too many attempts to contact them, they failed to disclose an agreement or reply. I addressed this matter to them in writing XX/XX/XXXX and sent a follow-up notice XX/XX/XXXX and another XXXX XX/XX/XXXX and still have not received a response. Within Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act and also My privacy and confidentiality is at stake because of this false reporting. IN REGARD TO XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. according to the section my rights of privacy are recognized. under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX/DEPT OF ED never had any instructions from me. 15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. I never authorized XXXX/DEPT OF ED to make such reports. 15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. ( a ) duty of furnishers of information to provide accurate information. inaccurate information is being reported by XXXXDEPT OF ED. I NEED THIS ACCOUNT DELETED. 


I NEED THIS ACCOUNT DELETED FROM MY CREDIT REPORT
Product: Payday loan, title loan, or personal loan

Loan from Barclays Personal Loan XX/XX/XXXX Paid the loan off in advance of schedule Final payment was made, however Barclay still took auto-payment from my bank in the amount of {$900.00}, leaving me with a credit balance on XX/XX/XXXX I have called at a minimum of 2X per month in resolving my refund check. Have been told multiply times this has been escalated to the refund department with a manager call back. Today almost a year later, no refund or call back from manager.
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 ta timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proceas was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company several times along with disputed with all XXXX bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this XXXX and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against XXXX and the collection agencies they employ for repeatedly reporting a debt that I do not owe. This ongoing issue has caused significant damage to my credit score and financial stability. Despite my efforts to resolve the matter, XXXX and their associated collection agencies have failed to provide any proof of the alleged debt and continue to report inaccurate information to the credit bureaus. 

Background of the Issue In XX/XX/XXXX, a collection account tied to XXXX first appeared on my Equifax credit report. After disputing the entry, it was removed. However, in XX/XX/XXXX, similar collection accounts began reappearing on my credit report, now reported by different collection agencies acting on behalf of XXXX XXXX These repeated entries have drastically lowered my credit score and have caused unnecessary financial stress. 

My Efforts to Resolve the Issue Contacting XXXX : I reached out to XXXX to request details about the alleged account, including proof that it was created by me. Despite my requests, they have failed to provide any documentation or evidence linking me to this account. 

Dealing with Collection Agencies : Each time a collection entry appears, I dispute it with the credit bureaus. While the entries are temporarily removed, they resurface after several months, reported by a different agency. This cyclical process is unjust and harmful to my credit health. 

Inaccurate Reporting : I have never had an account with XXXX, nor have I used their services. The repeated reporting of this debt is not only inaccurate but also a violation of my consumer rights. 

Impact on My Life These unfounded collection entries have : Significantly lowered my credit score, affecting my ability to secure loans and financial products. 

Caused emotional distress due to the repeated need to dispute and monitor my credit report. 

Created undue financial pressure, as I am being held responsible for a debt I did not create. 

Request for Resolution I respectfully request the CFPBs assistance in the following : Investigate XXXX and Their Collection Agencies : Ensure they provide proof of the alleged debt or cease reporting it. 

Permanently Remove Inaccurate Entries : Require all credit bureaus to permanently remove any entries related to this unfounded debt from my credit report. 

Prevent Future Occurrences : Mandate XXXX and their collection agencies to stop assigning or reporting this alleged debt to any collection agency or credit bureau in the future. 

I have attached all relevant documentation, including copies of my credit reports, prior dispute letters, and correspondence with XXXX and the collection agencies. 

Thank you for your attention to this matter. I trust in the CFPBs commitment to protecting consumers from unfair and deceptive practices. Please let me know if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past XXXX years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' account XXXX XXXX XXXX account # XXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX XXXX XXXX account # XXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX XXXX XXXX account # XXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. 
According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of XXXX COMPLIANCE! 
Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to XXXX standards and regulations.
Product: Mortgage

Hi, B.O.A. has not resolved the recurring issue of taking mtg money and using it to pay down principal.They have not returned any money to my checking account and as a result I am havin difficulty paying my mtg.Also my mtg payment keeps going up.They keep sending me a package of statements which are not explained to me.

Why am I being ignored by CFPB? Pls dont btell me it is a recurrin issue. It is because you asnd BOA are not correcting it!!!!
Product: Mortgage

Good Afternoon! In 2009 Pres. Obama gave the banks money and bailed them out ; many claimed loses on mortgages. My mortgage had been securitized several times I learned about securitization from the XXXX XXXX XXXX Ocwen now is " servicing '' the loan, which is now approx. {$40000.00} under water/upside down. Ocwen has never reduced my mortgage by that amount ; they were not the servicer at the time ; it was XXXX XXXX. That company only would offer a " modification '' I contacted the att'y general in my state of New York . I was told that they would rectify the situation. After investigationg, I was told that the modification would be a first step to hopefully reducing the principle to get it back above water/rightside up. I did take the modification, however the mortgage wasn't reduced it now had a Ballon Payment at the end of the loan term of some approx. {$30000.00}. 

I need help getting this principle reduced so that I'm no longer under water/upside down in this mortgage. Also, if XXXX XXXX did take money from the gov't. to be bailed out I want MY BAILOUT
Product: Credit reporting, credit repair services, or other personal consumer reports

My first contact with the XXXX XXXX XXXX was XXXX to dispute the late payments. I contacted the XXXX XXXX XXXX again by fax in XXXX to dispute the inaccuracies once again. My student loans date back to XXXX. The agency is reporting the accounts as being 90/120 days late in XXXX. I advised the agent when she contacted me by phone about the deferment being approved during that time period as she agreed, but not backdated to the date in which was requested as the reported delinquent timeframe, as stated in the agreed contract. She stated it may be an error, but because it was awhile back it can not be rectified. This was not a satisfying resolution for the fact it is showing inaccurate, due to staff error and causing me to reflect a low credit score. Later in XXXX, I submitted another complaint through XXXX and received a " verified and confirmed '' status without investigation. Recently, my student loans were consolidated and are in good standings. The issue of the late payments are not my error and the agency has refused to cooperate with resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied to a new apartment complex and they pulled my credit. It is showing an eviction against my name. Under the collections section in all 3 credit reports. 

It is imperative that this gets removed and cleared immediately, I never lived at the address associated with that account. 

This collection, specifically is preventing me to be able to move. I was living with family at the time frame this was listed on my credit file. 

Collection Company : XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX YOU ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT CAPITAL ONE AUTO FINANCE ACCOUNT # XXXX HAS VIOLATED SERVAL OF MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A CLARLY STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15. U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT OPEN- END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

REMOVE THE LATE PAYMENT AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

On XXXX, services were rendered to me for preventive care and screenings. During that time I had healthcare coverage through XXXX XXXX and the visit was free because they were covered under the Affordable Care Act. I do not recall receiving a bill from XXXX XXXX. In XXXX of 2021, I saw a negative report on my credit from a company called Radius Global Solutions in regards to a collections account in the amount of {$630.00}. I disputed it because I thought it was a result of identity theft, because I was unaware I owed any medical debts. They reported back to the credit bureaus that the debt was accurate. I disputed the report two more times after that and they continued to report the debt was accurate. After the 3rd dispute, Radius Global Solutions mailed me a letter on XXXX XXXX from the original company ( XXXX XXXX ) stating it was the final notice and the amount owed was {$630.00}. I found paperwork from my insurance company stating that the claim for those services were paid and that I did not owe anything to XXXX XXXX. On XXXX XXXX I replied by mailing them a letter stating that the debt they were reporting was false information and asked them discontinue reporting the false information to the credit bureaus. I also included proof of my insurance stating they already paid for the services due to it being free because of the Affordable Care Act. As of today XX/XX/2021, I received a notification from XXXX  stating that Radius Global Solutions has once again reported the debt as valid and has decided not to remove the collections account from my credit report despite the evidence that was provided that the debt was not owed.