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

Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( XXXX, Experian, and XXXX ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX  and XXXX XXXX ). I've contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed. 

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I looked in my account and only had XXXX in my account. I had {$1000.00} in my account someone hacked my XXXX. I called chase as soon as I noticed and they helped me file a claim and told me it would take XXXX business days to get my money back. The XXXX day comes and I dont have anything. They told me after going under investigation they didnt see anyone logged into my account and that it was authorized. I was highly upset they denied it because I worked hard for that money and thats supposed to go to my car as a down payment. I went to chase bank yesterday to talk to them to get to the bottom of the situation and they called the supervisor of claims so I can talk to him. He went in my account and told me the same thing they told me but he gave me more information. I asked who is the person he said he didnt know because they bank with XXXX XXXX XXXX and he couldnt look into the account. He also mentioned they sent the money as XXXX mortgage loan payment so they wouldnt see the payment as a red flag. Mind you my mother doesnt have a mortgage period. Also XXXX sent me a text message at XXXX a.m asking if I added this person as a recipient and if not to call them. Which I did. He also noted his area code of his number wasnt anything like mine. I told him see u see all the red flags I see so why cant I get my money back? Also I read online that a lot of scammers are scamming through XXXX XXXX XXXX so theres another red flag. I went to XXXX XXXX to the XXXX XXXX to see if they can see if my phone been hacked they told me they couldnt help. The police station told me the same thing. Now I went online looking for other possibilities and seen this website. I just need help getting to the bottom of this situation.
Product: Mortgage

Dear Sirs : We have an FHA Mortgage through Quicken Loans. We have had this property as owner occupied since XX/XX/XXXX with a flawless payment record until Covid-19. Currently, we are under a Forbearance program since XX/XX/XXXX and approved up to XX/XX/XXXX, due to the impact of Covid-19 at our workplaces. We have continued to make partial payments every month as financially possible. Currently, we are in arrears between XXXX and XXXX. 
Unfortunately, we are not yet at the level of income as we were before Covid-19, although we continue to search for work interviews and opportunities and meanwhile would need to lower our principal and interest in order to continue with regular payments after XX/XX/XXXX. 
I contacted FHA to learn about any options available ( XXXX ) via phone call and also received information via email. 
I then contacted Quicken Loans and spoke with XXXX at their Account Resolution Dept. 
I inquired about options including the " Covid-19 Advance Loan Modification '' which must be reviewed no later than XX/XX/XXXX as stated, but XXXX was not aware of this option, that the options I was mentioning do not exist, ( even though I mentioned I was reading directly from the email received from FHA and he simply said our only options were to either accept a Standalone Partial Claim and continue to pay without change to the monthly amount or eventually face foreclosure. 
I offered to send him a copy of the information I received from FHA, but he had no interest. They claim their calls are recorded so this can be confirmed. I later spoke with XXXX from the same department and almost had the same outcome. She proceeded to request a review and I will attach copy of the option they forwarded that was a Partial Claim only. No mention of the Covid-19 ALM. that ends XX/XX/XXXX. 
We greatly appreciate any advice or resource! 

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

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY  DISMISSED  XXXX {$0.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$460.00} XXXX XXXX $ XXXX XXXX  XXXX {$590.00} XXXX  XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

CHILD SUPPORT XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This auto loan was charged off in XXXX and written off as a profit loss which I should have received the 1099C which eradicates the debt however they refuse to send me a 1099 form even though they have this as a written off account since XXXX this account was reporting to the credit bureaus since XXXX as a closed charged off account on XX/XX/XXXX Trans Union XXXX me that XXXX XXXXXXXX removed the remark from closed and moved it to an open account which is not legal, this account is scheduled to fall off of my credit on XX/XX/XXXX. This account has been closed for XXXX years. This account is reporting as a closed account to all other credit bureaus however, Trans Union is reporting it as an open account with XXXX missed payments impacting my credit score severely. Attached are pphotos of my credit report showing the inaccurate reporting of the same account/creditor. XXXX has this under a closed account and Transunion says its open and its suppose to be charged-off since XXXX. Please remove this account from my credit file
Product: Debt collection

I received a notice form XXXX indicating they issued a recall in cooperation with the XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXXt I owned. Additionally, I was told I would receive a replacement device free of charge. XXXX issues the replacement device but it was defective. I notified XXXX and was told I had to pay {$170.00} to receive another XXXX XXXX XXXX XXXX but would receive a full reimbursement credit to my XXXX account once I mailed the defective replacement device back to the XXXX XXXX in XXXX XXXXXXXX XXXX. I did this and never received the {$170.00} credit to my account. I made a {$79.00} ( confirmation # XXXX ) payment to XXXX for my bill and was told I did not owe XXXX anything by XXXX, customer service representative on XX/XX/2022. Additionally, I closed my account in XXXX 2022. I have been receiving bills that indicate that I owe {$200.00}. 26. After going to the XXXX XXXX XXXX  store to inquire about receiving a bill, I discovered my account had been sent to a third party collector, XXXX  Receivables Performance. I have not received any notice in writing that my account had been forwarded to a third part collector. Moreover, I spoke with XXXX XXXX who asked for my SSN. I am very unhappy with this situation. I do not want XXXX XXXX or anyone to have my XXXX. My account should not have been forwarded to XXXX Receivables Performance and should not have been sent as a collection to the 3 credit bureaus. I am not sure if XXXX Receivables Performance is licensed to do collections in XXXX XXXX XXXX
Product: Mortgage

My mortgage loan was recently transferred to Nerwrez in XX/XX/year>. Previous to that, I was working with my previous loan servicer to have PMI removed. They confirmed that once I had 80 % LTV ratio, that the PMI could be removed. I paid for the BPO ( brokers price opinion ) and submitted the itemized list of home improvements that were completed, and all other documents that were required. The appraisal came back verifying that we do have the 80 % needed in order to cancel the PMI. They, then forwarded this information on to Newrez. Newrez denied removing my PMI stating that 70 % was required to remove PMI. I asked where they got that figure from, and wanted to see that requirement in writing, however, they have not been able to provide anything. I have my original loan documents stating that only 80 % is required to remove PMI. I also have the information from XXXX XXXX website that states that 80 % LTV is required for a home that is the primary residence. The call center refuses to help stating that there is nothing they can do. I asked for a different phone number that can help, and conveniently this department doesnt take phone calls. I have filled out an online dispute form, with no response. I have also sent a separate email to the loan servicing department. No one has done anything. They can not legally change the terms of my loan.
Product: Debt collection

On XXXX XXXXXX/XX/year>, I received a letter in an attempt to collect a debt. This company is unknown to me and I belive it to be a scam. I am request validation of alleged debt.
Product: Credit reporting or other personal consumer reports

There are many flaws with the reporting of this agency ( equifax ). The information on all three ( 3 ) credit reports show different reporting. Please have this removed because under the fair credit act, the bureaus are suppose to report accurate and true information.
Product: Credit reporting or other personal consumer reports

THIS INFORMATION DOES NOT BELONG TO ME. IT AHOULD BE REMOVED IMMEDIATELY. 

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

Every complaint I have sent to TransUnion comes back with no results plus TransUnion is the only one that doesnt fix issues and doesnt allow credit score to raise eg. The score hoes up today 33 points and in 2 to 3 weeks with the same report no changes on account status or anything suddenly my score goes down 58 points. This is and has been happening non stop with TransUnion and it shows no progress on my part no matter how hard I try. It seems like a SCAM from TransUnion so that banks charge us higher interest rates and they get a commission.
Product: Checking or savings account

I am reporting an incident where my bank declined my fraud case and refused to refund me back the {$850.00} that was stolen from me. It started by my wife finding a Boston terrier pup on XXXX. We just put down our Boston terrier and my wife wanted to get a Boston terrier puppy for our kids to grow.up with. After talking to them on the phone. She picked out a.puppy, signed an agreement, .and paid {$850.00} through XXXX . Emails enclosed. Afterward they had a currier contact is to deliver the puppy. Then they asked for additional {$950.00} in money orders for a special delivery crate. We instantly suspected fraud and asked for our money back. They kept giving us bs response, stopped answering their phone and eventually it was disconnected. We then filed a police report with the XXXX police department ( XXXX ). Then reported the transaction as fraud with our bank Bank of America. I never received a confirmation and could not find it online. So, I called them back, and they transferred me to the XXXX department who advised the case is still pending. They never requested to provide any documentation. After several follow ups. After 6 weeks we received a denial letter that explained the funds could not be retrieved. I called back and was told several times they could not approve my case.
Product: Credit reporting or other personal consumer reports

Good Evening, My name is XXXX XXXX, I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed a XXXX XXXX account and multiple collections from companies I do not recognize, and I have not authorized any of these accounts. 

As these accounts do not belong to me, I am concerned that my personal information has been compromised. I take this matter very seriously and would like to ensure that my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife earlier this year after the birth of our XXXX XXXX  and things have been really tough for me and my XXXX  and to find out I have this now on my list is really heart breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Default and Opportunity to Cure To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the XXXX XXXX XXXXXXXX XXXX I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 

I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that financial institutions like Atlanticus Services Corporation, and ThXXXX XXXX XXXX XXXX  ( ASPIRE CREDIT CARD ) use against Consumers like myself. 

According to the information added to the account, I noticed that your financial institution added the comment Dispute resolved - consumer disagrees. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby grant Atlanticus Services Corporation, The XXXX XXXX XXXXi ( ASPIRE CREDIT CARD ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution Atlanticus Services Corporation, The XXXX XXXX XXXX  ( ASPIRE CREDIT CARD ), failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions Atlanticus Services Corporation, and The XXXX XXXX XXXX XXXX ASPIRE CREDIT CARD ) decide to ignore my request.
Product: Credit reporting or other personal consumer reports

I just received a copy of my updated consumer report and I am shocked to still see the inaccurate information still being furnished on my report. This account is duplicated on my report and neither account should be on my report NCB MANAGEMENT SERVICE and XXXX XXXX XXXX Both have the same account number these items need to be removed. I have filed a compliant with the CFPB regarding these accounts and XXXX has determined it does not meet FCRA requirements therefore it has been deleted however XXXX and XXXX continue to report this inaccurate information even though they are all govern by the FCRA. 15 USSC 1681s clearly states that it is the duty of the consumer reporting agencies to ensure maximum accuracy when furnishing information.
Product: Mortgage

Dear Sir/Madame : I'm writing to request that you look into the operations at US Bank. US Bank is the mortgage servicer on a home I own. Please review the following : 1. I believe, based on several personal experiences, that the bank 's processing center is intentionally holding over-payments ( payments with additional principal ) to artificially inflate the interest earnings of the company. 

This month, I sent a check on XX/XX/XXXX, including a {$1000.00} check from my XXXX XXXX  account as well as an endorsed check for {$2300.00}. On XX/XX/XXXX, I called to begin an inquiry into my lost checks, as the XXXX check had not been cashed. I called again on XX/XX/XXXX to follow up on my XX/XX/XXXX call, since I hadn't received information from the bank on the whereabouts of this mortgage payment. Still, the bank had no answer. I requested that a supervisor return my call with more information, but the bank stated they couldn't call guarantee a call in less than 48hours. During my conversation with the supervisor, I was restrained and extremely angry at the Bank 's inability to a ) find my money, b ) follow up with my request to find this money c ) inability to escalate this issue to sufficiently address my issues. 

As of XX/XX/XXXX, I noticed that my XXXX check had cleared. I called the Bank to find out why they hadn't let me know about the receipt of said money ( which had been allegedly ( per the date stamp on the cleared check of XX/XX/ ) on the day of the call. 

I am concerned that the bank is intentionally withholding overpayments. I also believe that the bank 's communication system is woefully inadequate. 

Finally, since this is not the first time that the bank has held checks for extraordinary periods of time, I am concerned about the application of principal. I have requested the math from the bank to ensure that the bank is not acting inappropriately, but I believe thay they are ... the last time that the bank had problems depositing my money, the bank claimed that the receipt date of mortgage payments does not have a material impact on principal and interest. This doesn't accord with how principal and interest works in my own financial analysis, and I am suspect.
Product: Money transfer, virtual currency, or money service

I used the number provided and was unable to get someone on the phone... .phone kept ringing, and then shutting off, sometimes music with what seemed like an automated voice.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an 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 any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXX XXXX XXXX reported unrecognized hard inquiry on my XXXX   credit report
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 their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 redressfor these violations.
Product: Credit reporting or other personal consumer reports

I've received 3 credit inquiries from capital one that i did not authorize
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN XXXX i never open XXXXXXXX XXXX or XXXX. 

XXXX XXXX {$2200.00} XX/XX/2021 Account Number : XXXX XXXX {$10000.00} XX/XX/2021 Account Number : XXXX address i never lived in XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX