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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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. Furthermore, XXXX XXXX XXXX is reporting conflicting information on my report. In the Additional Information Section it states, " Between XXXX XXXX and XXXX XXXX, your credit limit/high balance was {$5500.00} ; '' however, they are reporting an amount due of {$9900.00} as of XXXX XXXX Please review the attachment as confirmation of these facts.

" FURTHERMORE, UPON A FULL INVESTIGATION XXXX AGREED WITH MY COMPLAINT ON XX/XX/XXXX AND PROVIDED THE FOLLOWING RESPONSE ( SEE ATTACHMENT ) : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. 
XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXXXXXX THIS ITEM HAS BEEN UPDATED TO REPORT AS PAID IN FULL. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ADDITIONAL INFORMATION We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXXx, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX  inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called XXXX  multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus. 

The list of inquiries that should be removed from my credit report immediately are as follows : XXXX  : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX XXXXXXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 6 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Experian  : 1 ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A XXXX  : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my right 15 U.S.C 1681 section 602 A States I Have the right to privacy 15 U.S.C 1681 section 604A Section 2 It also states a consumer reporting angency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Disputed with company, ex-spouse vehicle. 

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

XXXXy XXXX XXXXXXXX XXXX eaither went out of business or sold their company to a debt collection agency around XXXX of 2019. I was a client with a current loan that was paid, never late status. I was told that the loan would be serviced through XXXX XXXX, a third party servicing company, which would handle the loan from here on forward. XXXX XXXX  XXXX XXXX closed my account with the credit bereaus as paid in full and gave my information to XXXX XXXX XXXXXXXX XXXX ( a debt collection agency ) without my consent. Later on in XX/XX/2019, XXXX XXXX XXXXXXXX XXXX reported my account as a new account with about XXXX dollars worth of debt, after I had paid over XXXX dollars on a XXXX loan. I called to find out what was going on and that is when the company XXXX XXXX informed me that they were a debt collection agency. They also told me that they were fixing the problems. The next month it showed about XXXX dollars worth of debt which was still incorrect. In XXXX after seeing all the complaints I stopped payment. I can no longer contact the original company. I've disputed the information on my credit report and they tell them that it is valid. They have no contract with my signature, but they still report this as my account. They use bullying tactics and they now reported my balance as a charge off. If they wouldn't have ruined my credit I probably would have continued payment, but I'm not liable for a contract that isn't mine nor I wasn't in default to be sent to a debt collection agency with a current status of payments.
Product: Vehicle loan or lease

I want to check that the daily finance charges that are being applied to my account based on my payment dates are calculated and applied accurately to my owed balanced. I requested the records of how finance charges have been assessed and applied to my account and was told that I could not request this service online. I called the 1-800 number provided to me and was unable to reach an operator three times.
Product: Mortgage

I have been in constant contact with CitiMortgage regarding a short sale of my home and have been working with a company that is assisting me. Following is a summary : We have direct communication with the negotiator and his name is XXXX XXXX. Previous offer was declined because it was only {$200000.00} and the Buyer cant increase the offer. The offer was terminated and we got a new cash offer from a new Buyer with {$220000.00} offer price. 


XXXX XXXX : New offer of {$220000.00} was sent to Citi Mortgage since they required this amount so that they will accept for the short sale. Offer sent together with Closing Disclosure and Buyer 's Proof of Funds. 

XXXX XXXX : He said that he didnt receive the Closing Disclosure so I sent it the same day together with the vacancy letter that he requested. 

XXXX XXXX : He said it was submitted to a closing negotiator and has 5-10 business days to review. 

XXXX XXXX : Email received from XXXX XXXX ( Liquidation Negotiator ). He asked some Buyer info and other documents which was provided the same day. 

The negotiator is out of office and will be back XXXX XXXX. If I call to the Point to Contact named XXXX XXXX, he will always refer me back to the negot ( R ) iator. He said once the file was endorsed to the negotiator he ca n't do something about it because the Negotiator will be the one who will move the file. 


XXXX XXXX : Below is the email from the negotiator : Good day! 
I appreciate your follow-up. This offer is with the investor at this time. No determination or request has been made yet. I will provide the determination to you as promptly as it is returned to me. Thank you for working with CitiMortgage. 
I follow up on this daily but they reply once every week that is why it was very slow. This was also escalated to FHA HUD via XXXX XXXX ( XXXXXXXXXXXX my information : Name : XXXX XXXX XXXX XXXX XXXX # XXXX Type of loan : FHA loan Lender : Citi Mortgage XXXX XXXX XXXX XXXX. XXXX MD XXXX Can you assist me so that the buyer will not get upset and not buy my house?
Product: Credit card or prepaid card

Why do we get cards from credit companys or even applications that can very well create fraud especially for people that have moved. Why isnt our government protecting us more from this fraud and only allow people that want credit cards to apply for them and those that dont need or want one not be sent applications. I dont understand this from our government as they are supposed to be their for the people and not the people for the government. We pay as citizens government employees and this needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i was approved for a used automobile loan with a lender named XXXX XXXX, which is located in XXXX XXXX, XXXX. 
In the contract that i signed at the dealership where i purchased the automobile there was included a powertrain warranty. the powertrain warranty entaled that if the engine or transmission in that automobile i purchased ever failed then the dealer and the lender that i purchased the automobile through had the responsibility of either replacing the failed mechinism in that automobile or the automobile loan would therefore be terminated. 
In early XX/XX/XXXX i noticed on numerous occasions that the automobile was not operating the way it was supposed to, or not the way it was when i puchased it less than two months prior. in the third week of XX/XX/XXXX i tried to contact the dealership where i purchased the automobile. without success i then successfully contacted a loan officer at the XXXX XXXX XXXX XXXX XXXX, located in XXXX XXXX and told them the problem and the contract was voided. but this matter is still showing on my credit report as unresolved please fix this matter for me please asap thank you sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i received alert from XXXX that equifax added a new account on my credit as a repo as if the repo had just happen, the repo was normal done in the later part of XXXX, but Equifax all XXXX XXXX to report a XXXX repo as a freshly repo for XX/XX/XXXX dropping my score 53 points, and this was not a newly repo it was on my credit report before and i got it removed for inaccurate reporting from the company and equifax before, so they added back this time as if it was new not as it was on my report before it was removed, the things i cant understand is that Equifax say they go by policy and procedures but when does it apply when its finacial benfincial to the company and equifax are for the consumer, equifax does not get true and accurate information from the company before reporting they just trust the company to report whatever they want damaging the consumers credit file and not caring, XXXX and XXXX has delete this account per the XXXX XXXX and also as a early exclusion the two companies states that the file will not report on my credit because of the age of account, but equifax allowing the company to report inaccurate information on consumer report dropping my credit 53 points as a new repo when it was once on my credit before and remove for the same reasons
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : On XX/XX/2020 dispute/investigation started for account # XXXX - On XX/XX/2020 Experian deleted/removed account # XXXX from my credit file. XX/XX/2020 Experian opened another dispute/investigation for account # XXXX - Within hours after opening that dispute/investigation. I received a notification that the result of that dispute was available. Dispute Result ( Deleted ) - hours after that - on the same day ( XX/XX/2020 ) I checked my credit report and noticed that the result of that dispute has changed from Deleted to Updated. Experian deleted/removed the account from the XX/XX/2020 dispute/investigation on XX/XX/2020 - On XX/XX/2020 another dispute/investigation opened - within hours on XX/XX/2020 there was a result ( Deleted ) within hours after ... result changed from deleted to updated. All on the same day - within hours. -- -- -- -- -- -- For the record*
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are on my report and I did not authorize them. I tried to get this resolved but Transunion said they can not help me XXXX  XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX 2019
Product: Money transfer, virtual currency, or money service

I'm writing to express my concerns regarding Zelle 's handling of disputes, especially after being made aware of the recent CFPB lawsuit highlighting crucial issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to properly investigate my claims sufficiently. I was a victim of Zelle and lost {$3500.00} to Zelle payments that were not authorized by me.They simply informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. Not only did I not recover my funds back but my accounts had to be frozen and deactivated due further unauthorized activity, and insufficient funds. New cards had to be issued as well as opening a completely new account and it caused me unnecessary turmoil, distress, trauma and a financial setback that was hard to personally recover from. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers fully, but have also allowed repeat offenders to exploit the system, leaving users essentially vulnerable to scams.This lack of accountability and transparency is not only unacceptable, but it raises serious concerns about consumer safety and their rights to protection.
Product: Debt collection

Hello, I received a copy of my credit report and there is an account. I am not familiar with any account with Enhanced Recovery. I have reached out to Enhanced Recovery and have been unsuccessful in communication and verification of any debt with this company. I am requesting Enhanced Recovery remove this account from all XXXX, XXXX and XXXX. Please find the attached letter to Enhanced Recovery. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I financed a vehicle from XXXX XXXX and they charged me additional taxes and fees adding up to {$2300.00} that was supposed to be included in the financed charge which is fraud. On XX/XX/XXXX, I have sent them a letter of Revocation of Power of Attorney and on XXXX XXXX I sent them an Affidavit, and a Rescission of Contract to settle this fraudulent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report an account that balances has been wrongfully reported
Product: Mortgage

Statebridge is violating the law by trying to collect on a debt that they do not have the legal right to collect on. One of my former mortgage servicing companies accelerated my loan more than XXXX years ago when we stopped paying in XXXX. The statute of limitations in Ohio is XXXX years, or in XXXX. Statebridge does not have the legal right to collect on this debt, and they are violating federal law by attempting to do so. 

Even if Statebridge did not know that a prior mortgage company accelerated my loan, they are still violating federal law by attempting to collect on the installment payments charged to me between XX/XX/XXXX, and XX/XX/XXXX. Ohio has an XXXX year statute of limitations. Those payments were due more than XXXX years ago, but Statebridge is still trying to collect on those allegedly missed payments. They are violating federal law. 

Statebridge is also charging me interest and fees that illegal under Ohio law. Ohio Revised Code 1321.51 1321.60. 

Statebridge is also sending me inaccurate billing statements that demonstrate it does not know what the true amount owed on this loan account is, even if they had the right to collect on the debt. In a XX/XX/XXXX, mortgage statement, Statebridge said that I owed {$20000.00}. Then, in a letter Statebridge sent me on XX/XX/XXXX, they said that I owed {$25000.00}. Later, Statebridge sent me a letter on XX/XX/XXXX, that said that I owed {$20000.00}. Finally, more recently, in a mortgage statement dated XX/XX/XXXX, Statebridge said that I owe {$28000.00}. Statebridge does not even know how much money they think I owe them. It is illegal to blindly allege that I owe certain amounts of money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I saw over 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX  dealership. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Product: Student loan

I sent an application for Public Service Loan Forgiveness to the U.S. Department of Education, MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. Mohela received this application well before the XX/XX/2022 deadline. I have proof of delivery via a signed receipt. 

I have provided Mohela with documentation of my eligibility through employment from four different employers. The first employer alone shows I have well over 10 years of qualified employment. The fourth employer, a hospital, stated to me that their policy requires employment verification through a third party. I submitted that documentation along with the application form and a note clearly stating " see attached '' for the fourth employer. 

Mohela sent me a notice threatening to deny my application because the fourth employer did not fill out the form. They completely ignored the proof of employment from three employers. Mohela has these forms, and I know they do because I kept a copy of my application along with proof of delivery. 

Mohela is not acting in good faith. They want to deny my application because of one technicality which is not even reasonable. They are trying to come up with any excuse they can to delay doing what the US Department of Education hired them to do.
Product: Mortgage

Sun west mortgage was very XXXX and did not treat me fair during the loan process. I paid for appraisal {$630.00} and they never gave me a copy of the appraisal and would not tell me the value I want my money back I asked them for 3 weeks about the appraisal, they treated me horrible people of XXXX do not use this mortgage company there XXXX and they treat your horrible .they discriminate against seniors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX/XXXX  Equifax mortgage XXXX XXXX XXXX XXXX Above companies as a result of data breach in 2017 were fraudulent and should be removed from all credit agencies. Thank you for your help. 

XXXX XXXX XXXX and XXXX has 10 late payments that should be removed. Payments were as a result of identity theft issues and fraudulent accounts. The late payments are causing discrimination and we are unable to refinance or get loans, credit cards, credit because of the identity theft and financial ramifications. Our lives have been ruined and we need help with clearing our name and restoring our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

XX/XX/2018 I purchased a home with Shellpoint mortgage service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.