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

On XX/XX/XXXX I mailed a letter to XXXX and Equifax disputing inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even though I included a copy of my Social Security Card, my State ID, and physically signed the letter. XXXX still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from XXXX past that point. It has been well over 30 days. 

I mailed the same letter to Equifax, on the same date. Equifax NEVER responded regarding the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and actively seeking a mortgage to buy a house to lower my living expenses dramatically.
I recently discovered that I was being billed for credit monitoring with Trans Union and have paid for it at least twice but have never received any information as to what it is and how to access it. In fact I am unable to log into any kind of account with Trans Union and have attempted to call them but have gotten no response or help and it seems like they make it hard to get in touch with them to cancel. 
I am also upset because they are reporting an account incorrectly and are harming my credit scores greatly by erroneously reporting a current and active account as closed by the grantor ( XXXX ) This account is open with a zero balance and have verified that information several times and they have no idea why its being reported as such. My scores have dropped 50 points and am both angry and confused as to why they victimize consumers like me who are trying to survive by paying bills on time and expect it to be reported as such.
Product: Credit card or prepaid card

Prior CFPB complaint XXXX prematurely closed by Citi Credit Cards.
Exact problem remains as first reported. Secure Messages are not delivered to customers Inbox. Company denies Data Breach yet can not explain or provide evidence showing that missing data has not been mishandled or delivered.
Product: Debt collection

XXXX and XXXX XXXX were the original creditors the debt was then sold to XXXX who uses Love, Beal & Nixon to collect their debts. The documentation and validation of the debts provided are redacted and do not include that amount that the alleged debt was purchased for by XXXX XXXX Love , Beal & Nixon. I have requested that unredacted documentation and have not received it. Collection efforts have not stopped and Love, Beal & Nixon is attempting to strong arm me into paying the full amount of the alleged debt by not providing that information and by not discussing a potential settlement. They have also filed a small claims suit and have attempted to serve my XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ) multiple times while I am at work causing distress for him. I am requesting all unredacted documents related to this alleged debt, all statements of payments on the account, all interest and late fees accrued, all unredacted documents related to the purchase and exchange of this debt from XXXX and XXXX XXXX to XXXX and Love, Beal & Nixon.
Product: Credit reporting or other personal consumer reports

I'm reporting a fraudulent account opened in my name. The auto loan comes up in my credit scores but I never opened a account with that company. They opened it in XX/XX/year>. 

These are the addresses of the person who stole my identity. It comes up on my credit score and they are not mine. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXXXXXX AV XXXX XXXX, NY XXXX. 

This is the company the person took my identity from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX according to my credit report from XXXX who stated they get the reports from all XXXX  credit bureaus from a third party. Experian has stayed the same, XXXX and XXXX both dropped significantly from Almost Perfect to Fair with no explanation. The only derogatory marks have since dropped off a long time ago, there are XXXX Excellent high impact, XXXX of XXXX hard inquiries dropped off low impact, my payments 100 % excellent high impact, credit age XXXX XXXX Excellent Medium impact, Total accounts XXXX needs work low impact. So why does XXXX show a XXXX point drop on XX/XX/XXXX and then it stayed the same since? This is the same day I did my XXXX XXXX XXXX XXXX XXXXXXXX Abuse of Power, Sabotage, Financial Entrapment, Abuse of a XXXX XXXX  and his XXXX  Owned And Operated Business. 

WHO FROM THE VA, IRS etc was involved? 

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

There is a hard inquiry from XXXX XXXX for Utilities/Fuel and Telephone Companies on my XXXX and Equifax credit reports. First, I have zero affiliation with XXXX XXXX in any capacity ; second, they are a telephone services company and NOT a utilities/fuel company. Both initiated an immediate red flag for me. The hard inquiry is negatively effecting my credit score. The inquiry was made on XX/XX/2018. This is all appearing on both my XXXX and Equifax credit reports shown through the XXXX XXXX website. I have spoken with a representative at XXXX XXXX in the fraud department and confirmed the hard inquiry.
Product: Mortgage

Experian is reporting that I had a foreclosure, however we have sent them several letters from   XXXX   XXXX   XXXX    stating that the 2nd mortgage ( what I 'm having an issue with ) was forgiven and was paid. They refuse to change their raw data, so that when my new lender tries to run automated underwriting (   XXXX  ) I get a decline. My lo an officer called   XXXX   XXXX  and they are saying the raw data from Experian is still showing Foreclosure.
Product: Checking or savings account

Capital One did not release our direct deposit as required. The deposit was supposed to be made available in our account on Thursday XX/XX/XXXX in the morning. The amount was around {$3000.00}. Thursday night Capital One said the issue would be resolved Friday morning. We did not receive our direct deposit on Friday. As of Saturday, XXXX, we still have no received our direct deposit. Capital One has been unable to verify when we will receive our money as of Saturday, XX/XX/XXXX.
Product: Mortgage

Over half a year ago I finally was able to end the PMI I had on my mortgage, currently the home insurance and the taxes are the only items still being paid through the escrow account. Unfortunately the bank is only rewarding me with 0.5 % of interest on the balance which is only a tenth of a what I can get in the short term money market currently. Obviously I want to put my money to work for me, not for US Bank. Unfortunately US Bank is categorically refusing to cease the escrow requirement, when asked why, they refer to a signed 5 year agreement. They fail to produce a copy of said agreement when I requested it, I do not have it in my possession nor do I recall signing anything like this. The request has been made several times by phone, chat and certified mail. It seems to me that US bank is deliberately taking no action to benefit from this interest gap.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV LLC is reporting a late on my credit report. LVNV purchased this debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX charged off this debt and sold it to LVNV. LVNV did not and provide proof of ownership of this debt, when reported to the CRA. A receipt, an assignment, .a contract is needed as proof of ownership.This must be produced as per FDCPA, without it they are unable to report a debt not proven as owned unless proof of ownership is provided. They claim that a validation letter is proof, wrong, it must be it must in a form sale receipt, contract, or assignment. This is a violation, please delete
Product: Credit card or prepaid card

I was added to an account without my knowledge, consent or permission. My husband added me as a user on his account. US Bank added me as a co-owner. I had no knowledge of this and have been trying to have my name removed from the line of secured credit as it adversely affects my credit.
Product: Debt collection

My Name is XXXX XXXX, I would like to file a lawsuit against Portfolio Recovery. 
I was just denied for an apartment for me and my XXXX daughter. I asked the management office the reason for the Denial she told me a new collection from portfolio recovery. I told her that it is not new and it was getting ready to fall off. 
When I checked my report I saw that Portfolio is reporting the collection as new XX/XX/XXXX. I went ahead and check a few old reports and I see that Portfolio has erase each Month and would only report the current month as if it was a new collection. I spoke with XXXX and the representative told me that the collection is new. I told him that it is not possible he then replied by saying that is what the collection agency is reporting and asked for me to contact Portfolio Recovery. 
Portfolio continues to violated all laws of the FCRA and insist on reporting incorrect and inaccurate information with is a violation of my rights. This has caused me financial harm as I had to pay for the application that is refundable. I can provide proof of many credit report where they report XX/XX/XXXX, then delete XX/XX/XXXX, then delete XX/XX/XXXX report XX/XX/XXXX. The pattern is they delete every prior month so that it appears that the collection is new, causing my credit score to decrease. 
My next step is to file a class Action law suit. I am also part of a law suit filed in California where they repeated called my telephone.
Product: Checking or savings account

I was appointed PR of my late brother 's estate in XX/XX/XXXX. I opened bank account for the estate with Wells Fargo Bank, NA on XX/XX/XXXX and deposited over {$50000.00} into estate cking account. The estate ran it's course and over the course of the following months I issued checks to people owed from the estate and once the court approved the final closing documents they instructed me to disburse the money in accordance to my brother 's Will to the various beneficiaires which I did. This XXXX  out the bank account leaving a XXXX balance. In XX/XX/XXXX I received an email from Wells Fargo Bank advising me that they had closed the account due to no activity for 60 days. I was never notified by the bank PRIOR to them closing the account only after it was closed. My brother 's Oregon tax returned was recently received and the ck was issued to the Estate of XXXX XXXX XXXX Since the ck issued to estate Wells Fargo refusing to allow me to deposit it in my personal bank account and to issue payment to the various beneficiaire in accordance to the Will. They said the only option would be for all beneficiairies to present at the bank with me to deposit the ck in my account as this is impossible as the beneficiaires are spread all across the USA. I have been working with the bank manage regarding this problem but her hands are tied. Legal refusing to all me to deposit ck even if I provide bank with signed receipts for each and every one of the beneficiaires stating they received their portion of the tax return. Only option is to return ck to Oregon Dept of Revenue and we lose out by receiving the money. Wells Fargo should have never closed acct without first cking with me as the PR of estate by call or letter. They closed acct without even talking to me and if they would have talked to me first this would all be a moot issue Estate of XXXX XXXX XXXX cking account no. XXXX XXXX Wells Fargo Bank XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX, Oregon I do not have access to the text message they sent me in XX/XX/XXXXXXXX XXXX  and the other information you will need is noted above. Let me know if you have questions regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Company : TransUnion Issue Credit score drop of 36 points as of XX/XX/XXXX Reviewed TransUnion Credit Report, purchased credit score. 

Contacted TransUnion by phone, they were not able to explain why my credit score dropped 36 points. There has been absolutely NO change in any of my accounts. 
Tried to reach a supervisor, was disconnected. They said a Supervisor would call me back. No call back. I called again, this time person would not connect me to a supervisor. Their attempt to answer why my score dropped does not make sense. 

They tried to day it was because some of the companies have not reported. I have no control over when a company like my mortgage service company reports. 
I explained over and over that there has been NO change to my payment history, amount of outstanding debt, or anything that would affect a 36 point drop in my credit score. 
There has been XXXX change in my Mortgage Servicer. XXXX sold their contract to XXXX XXXX   XXXX. So beginning XX/XX/XXXX my I will be making my mortgage payment to them. That change should not affect my credit score. The service reps at TransUnion have no idea what they are talking about and refused to connect me with a Supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to the 3 major credit bureaus ( Experian, XXXX, and XXXX ), as  well as the secondary company XXXX. I know that under the FCRA, they are to properly and thoroughly investigate any and all disputes. I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX records on XX/XX/2019. 

Experian has sent me a letter marked XX/XX/2019, AFTER XXXX ' letter, stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I was again informed on XX/XX/XXXX, after another dispute, that they have verified this erroneous bankruptcy. 

I currently have a CFPB dispute against XXXX and XXXX for the same reason. Experian clearly states on their website that they use XXXX to verify public records. So if XXXX did not and could not verify this account, how did Experian verify it if they use XXXX? This is a clear and present violation of my FCRA rights, and this shows that Experian did not properly and thoroughly investigate and verify the disputed account in question.
Product: Debt collection

This company calls at least 3 times a day, once at XXXX ( almost XXXX! ) to collect a payment and when we try to call them at the number they provided in the voicemails, they do not answer. We do n't know how else to tell them to stop sending so many calls a day and how to tell them when their payment will be received.
Product: Debt collection

The Debt Collector that I am filing this complaint is against Commercial Acceptance Co in the amount of {$290.00} I am writing this complaint because I am XXXX years old and I was a pedestrian in a hit and run. During this incident, I was rushed by ambulance to the hospital by the XXXX XXXX XXXX XXXX XXXX. When I spoke to the hospital as well as speaking to my attorney they said NJ XXXX is responsible for this not me and that all bills should be submitted to them. I saw this debt along with a hospital bill from another debt collector on my credit report from this incident that occurred on XX/XX/2017. The debt collector for the hospital bill handled the situation immediately. I explained it to them telling them that I was not responsible and they wiped off the debt no problem. This debt collection agency for the ambulance is horrible. I even said that I would have my attorney speak to them yet they refuse to give any information whatsoever to me or my attorney. They did say that it could possibly be written off but when I asked how they shut up immediately. The second time I asked them for the information as well as asking if they spoke to my attorney again they would not give me any information about the bill and they refused to talk to my attorney. They were rude and practically hung up on me when I was telling them that NJ XXXX was entirely responsible since they are the insurance that pays the bills for pedestrians involved in these situations who do not have auto insurance. My credit report is being ruined because of this debt due to me being a victim of a hit and run. I am XXXX years old, I broke my pelvis from this hit and run and my only source of income is Social Security. I shouldnt have to pay for this that the NJ XXXX insurance was supposed to cover. I even spoke to XXXX and XXXX even agreed with me. I also have tried to contact the XXXX XXXX XXXX XXXX XXXX and they never answer their phone so XXXX and I have no way to contact them to have them write the claim off directly. I have filed disputes on XXXX   and XXXX. I have also put in a dispute to the XXXX. Commercial Acceptance Co. is a money hungry and greedy company that is disgusting to go after a XXXX year old man who was hit by a car for {$290.00}. They said it could be written off but they just wont do it. They ruined my credit report and they are rude to me on the phone when I have tried to speak to them over a debt I am not responsible for and they refuse to let it go. My attorney, XXXX, and I all agree that I should not be held responsible for this charge! I want this written off and taken off my credit report because I need to take out a loan for medical expenses.
Product: Credit reporting or other personal consumer reports

I found late payments on my credit report that seem inaccurate. Kindly correct these discrepancies.
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. 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 and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/2020 I received a response ( see " CFPB Response XXXX '' attached ) from New Rez LLC detailing the closing disbursements of my mortgage on XXXX. Noticeably, however, is the fact that New Rez " Intentionally '' did not include pages 2 and 3 of the Closing Disclosure ( CD ) which shows " Other Costs ''. Included in Other Costs were disbursements made for tax and insurance escrows that were also paid at the time of closing. So not only did the lender pay current taxes and insurance that were due, but they also dispersed escrows for future taxes ( {$3200.00} ) and insurance ( {$1700.00} ) that were also deducted from loan proceeds. The tax escrows represented 2 months worth, while the insurance escrow represented 6 months worth of future payments. I have included all 3 pages of the CD for confirmation ( see " Closing Disclosure_XXXX XXXX XXXX XXXX '' attached ) to document these facts. 

Since my first payment, which was due XXXX I have made every monthly payment which includes the mortgage of {$6700.00} and escrows for taxes and insurance of {$1900.00} as required in the CD. Given these facts, it is impossible that New Rez should have ever claimed that I was behind in escrow payments. Secondly, as stated in an earlier complaint, there is no projections for tax increases as the City of XXXX only reassess or increase taxes upon changes in use or improvements ; this is confirmed by the City of XXXX. I invite anyone who reads this to please call the City of XXXX to verify ( XXXX ). It should also be noted that New Rez also made payments to the wrong city ( XXXX XXXX ) for {$4800.00} that also had to be recovered. 

Ignoring the facts, New Rez has increased my taxes without authority or proper rationale to do so. Based on the facts, I have requested that New Rez change my monthly total payments for tax and insurance to {$1900.00} as per my loan agreement. Moreover, I have requested to pay my tax and insurance payments to the city and insurance carrier directly. What New Rez has done shows that they are a fraud, not trustworthy and that they are conducting business in an unethical way. 

cc : NJ Consumer Affairs Attorney General Office of NJ Department of Banking & Insurance of NJ
Product: Debt collection

I am a victim of Identity theft. I have a certified police report on file with all the credit bureaus. I have a collection account on my credit from Creditors Bureau USA. I never received a notice in the mail about the alleged account ; it just appeared on my credit. I have reached out to them several times via certified mail, I have not received a response and the fraudulent data remains on my credit. I am requesting the fraudulent account be removed. I was never afforded the opportunity to dispute the debt .... if I had been I would have advised them the account was not manufactured by me and furnished them a copy of my police report or any other information they may need. Additionally, I also have medical insurance- this is apparently a medical bill reporting on my credit. I have also reached out to the FTC .... they had me upload a copy of my police report to their portal.

Account Number XXXX in the amount of {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a new inquiry from XXXX XXXX on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. 

XXXXXXXX XXXX  Location XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX