23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, there are unauthorized inquiries on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that all the following inquiries be immediately blocked and deleted from my credit report. 
Unauthorized Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I was part of a hijack move and my card was billed fraudulently. All contracts are made in a XXXX XXXX name. I notified PenFed and they disputed the charge twice and did not properly dispute the charge. I provided two police report as well as asked for supporting documents that warranted their pay out and they have nothing been able to secure any documents with the card holders name in it. Just a XXXX XXXX by the name of XXXX XXXX Which backs my claims and does not support grounds for they to process payment. They are still processing payments for amount of {$830.00} and {$1700.00}. Totaling {$2500.00} and holding me responsible by placing in my credit card and credit file.
Product: Credit reporting or other personal consumer reports

These XXXX illegal collections are fraudulent and they need to be removed off my report. These XXXX accounts are illegal and I've finally hired a credit XXXX to remove these fraudulent items. Please remove these items off my credit report! 

XXXX XXXX {$140.00} Date Opened XX/XX/XXXX First XXXX XXXX {$13.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit XXXX. Please remove all these illegal/fraudulent inquiries off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to Chase Bank at   XXXX   XXXX   XXXX   Branch  XXXX  on  XXXX / XXXX /2017 I deposited a Cashier 's check in the amount of {$6000.00} and my receipt had a " hold '' for that amount till  XXXX / XXXX /2017.
I spoke with the teller and then the supervisor, explaining to them that they can not put a hold on a cashier 's check because it is the equivalent of cash. This was from   XXXX   XXXX   XXXX  , not some obscure bank in  XXXX . Both said they could n't do anything about it.
I think they did n't care to do anything because it was a Saturday and I had about {$54.00} in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( TRANS UNION, XXXX, XXXX ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate account appearing on my credit report the account. The account is past the date of first delinquency and needs to be removed. Account is a XXXX  acoount # XXXX.
Product: Mortgage

In XXXX I went online to pay my mortgage and saw an offer from Wells Fargo to allow me to apply for relief. First I clicked on it to see what the offer was and it automatically put me in the Covid 19 relief program with no way to say NO! I tried to call but was on hold for 2 hours each time and for several days and finally just decided to ride it out. However, it really worried me as I began to see this is in fact a deferment and not a forgiveness because I thought how the heck if you can't pay would you have all that money in 3 months so I called numerous times and was told by XXXX, XXXX, XXXX & XXXX that the FHA had already approved any amount accumulated to be moved to the back of my loan because my loan payment status was excellent. So, that helped but still I know that means next XX/XX/XXXX I'd owe a ton of escrow! Given that knowledge, and after receiving my stimulus check of {$1200.00}, I called on XX/XX/XXXX and spoke to XXXX. I paid my escrow overage of XXXX and 3 months of escrow for a total of {$1400.00}. Since that time the payment has not been applied properly and they still have me listed as participating in the program, even though I've clearly stated I no longer want to be in the Covid relief program in XXXX, when I was forced to call and pay my loan over the phone, due to them not correcting my info, and also in XXXX, when I again had to pay over the phone! 
I should only owe them $ {$1400.00} and they say on my new statement I have an unpaid balance of $ {$4800.00}!! 
XXXX mortgage amount due was {$970.00}, XXXX was XXXX due to paying overage on escrow, and XXXX was {$950.00} which = {$2800.00} minus the {$1400.00} paid = {$1400.00} not $ {$4800.00}! It doesn't even match what I'd actually owe if I did have to pay all three months!! How does {$2800.00} turn into {$4800.00}? I've paid my XXXX and XXXX mortgage payments and they show that amount of {$1900.00} as unapplied funds balance!!!!!! That is the XXXX payments I made for XXXX and XXXX of {$950.00}!! 
They are trying to defraud the government is what I believe and keep me in the Covid 19 status to gain funding!! I want my account taken out of this status, the unpaid amount of {$1400.00} moved to the back of my loan as they stated was approved, and everything corrected to show I owe them nothing but my monthly mortgage payment due in XXXX of {$950.00}.
Product: Mortgage

I closed on my loan on XXXX XXXX, XXXX, and I have been trying to resolve this with the servicing company for over 3yrs. This loan is considered Predatory based on the several things, one is my property taxes, that was put on my HUD 1 as {$100.00} a month for 6 months totals {$600.00} in XXXX, then the next year XXXX went to {$4700.00}, which raised my payments from {$1300.00} to over {$2100.00} the next year. The mortgage broker did not give me a proper estimate of my taxes, now putting me in an predatory situation, my broker did not seem to have my best interest in mind, by not giving me an option of taking an higher payment or walking away from the deal due to such a high payment increase, my broker did not advised me properly, because there were several other homes in the community that was exactly the same model as my home that was built and sold before my home was even built, the broker is responsible for giving me an estimate of what I should be expecting for my taxes, I had no idea that my taxes would increase over {$4100.00} the next year. 

My Private mortgage insurance was not calculated properly, I was charged too much a month, I was given quotes by three different loan officers and the cost was very different, was well below what I was given. 

Before falling behind on my mortgage my mortgage service did not do a face to face interview which is required.
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. 

XXXX XXXX # XXXX, XXXX XXXX XXXX : # 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, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed out the letter to XXXX  to dispute the XXXX  XXXX bankruptcy off my credit report that was put on in correctly. I wrote a letter to the XXXX XXXX Bankruptcy court XXXX XXXX of XXXX asking how the court provides information to 3rd part agencies regarding credit reports. They sent a letter back stating they do not send any information regarding my bankruptcy. I also have placed a XXXX XXXX freeze on my credit file I received an email on XX/XX/2019 that it would take place in 3 days. I also received a letter stating that the freeze was on my file. I will include all these letter in this as well. I have mailed all this to XXXX and to TransUnion. 
XXXX came back that they have verified with a third party reporting agency XXXX XXXX that the Bankruptcy was correct. There is no way they could have done that when there is a freeze on my account. Also TransUnion has come back that the bankruptcy is a true account. I have include the letters that have sent back to me as well. I have done this same process with XXXX and they have deleted it from my credit file.
Product: Debt collection

This company has reinserTed this debt on my credit file after it was previously deleted which is illegal. This account was removed from my credit file with XXXX in 2015 and they have turned around and out it back on my XXXX file without properly notifying me.
Product: Debt collection

They called my father 's telephone number asking for me. My father told them that it was not my phone number. The gentleman on the other line asked for my new phone number ( which I've had for over ten years ) and my father said no. When I called to find out what was going on, the " Portfolio Recovery, LLC '' was asking for my social and other personal information. They looked up my father 's phone number and mine and were unable to find a reason for why they called originally. They'll called repeatedly and when I've called back to find out what they want, they are rude, demanding, and just overall nasty. They need to stop harassing my father and me for whatever they want. I don't owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Help me! 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have repeatedly requested a correct accounting of all payments and interest on my loan. Recently I received a statement from Navient that incorrectly accounts for principal and interest paid on this account. As a result I can not determine the accuracy of their numbers. I have been making payments that are larger than the requested payments. An example of this is the period from XXXX toXXXX ( the last they listed on the statement they sent me in XX/XX/2020 ). During this period I paid {$10000.00}. During this period there is no change in the principle balance. I have calculated my interest rate and more than half the payment should have been applied to principle. 

I am requesting an accurate accounting for this loan that shows Payment made and date Interest charges Any other charges When I received this statement I called them and they assured me this statement was correct. I can not see how this is possible because I have made payments that are larger than the payment indicated on my statement every month. 

It is a shame that I have to make this complaint but I feel that my requests for an accurate accounting for this loan have been ignored and that the documents they have provided demonstrate fraud on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1.  XXXX XXXX Account # XXXXXXXX ( XXXX {$1000.00} ) 2. XXXX XXXX Account # XXXX ( XXXX {$970.00} ) 3. XXXX XXXX Account # XXXX ( XXXX {$970.00} )
Product: Debt collection

Senex has 4 or 5 claims on my credit report for services due, but has never sent any letters or returned any of my emails. It was resolved in my bankruptcy or has been paid off and they are still on my report. They purposefully block outside emails!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report which also prompted me to contact the police and ftc. These items need to be deleted from 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
Product: Credit reporting or other personal consumer reports

Was alerted to an account in collections on my credit report. 
I had cancelled our service with XXXX XXXX XXXX, but they sent email confirmation to my husband 's email address instead of mine - My husband was never the responsible party on this service, so why they were emailing him, XXXX has not been able to explain. 
XXXX never cancelled service as they never received a response to an email sent to the wrong address .... 
I changed my credit card that was associated with the monthly auto-draft. 
Since I was not being billed, I believed that the service had been cancelled as I had requested. 
XXXX let the account accrue for 8 months before charging it off and turning it over to collections with XXXX XXXX XXXX. 

Once I was made aware, XXXX was contacted, and the bill was paid in full on XX/XX/XXXX. 
XXXX provided me with a Settlement statement ( enclosed ) that in part indicated that ALL DEROGATORY COMMENTS WOULD BE DELETED FROM MY CREDIT REPORTS. 

The negative comments remain on my Trans Union report however - I have disputed the negative item with Trans Union on XX/XX/XXXX and received the results today. 

The comments are : We investigated the information you disputed and updated : Date Updated; Remarks ; Maximum Delinquency ; Rating ; Payment Received Trans Union has not abided by the settlement agreement sent to them by XXXX on XX/XX/XXXX regarding this matter. 

I would respectfully ask that this negative comment be removed completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit card

This late payment is not indicative of my usual payment reliability. I kindly request that you remove it and update my account right away. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

{$100.00} dollars was sent to send wave for remittance to my account, the money was delivered on XX/XX/XXXX to my XXXX account in XXXX, but again today XX/XX/XXXX the local bank that Sendwave used for the transaction ( XXXX XXXX ) recalled back the money from my XXXX account without explanation. 
So now the money is not paid into my account. 

{$100.00} Sent XXXX XXXX XXXX  Through Sendwave company
Product: Mortgage

I have repeatedly called the servicer to make a payment or make payment arrangements. 
Selene Finance. 
Typical call Please hold, representative not available please schedule call back in two minutes never get a call back. 
Promised to call XX/XX/XXXX for payment they never called. 
Get random calls from agent completely clueless as to any previous conversation. 
offer to have someone call and discuss options. never got a call back. 
sent paperwork in 2020 Tax return missing sent all other paperwork. 
their denial say 's nothing received. 
agent made work out plan. Plan denied by higher ups. 
loan {$95000.00} equity {$150000.00} Plus
Product: Credit card

I have a really bad experience with discover I have issues with XXXX things XXXX I received a request from discover to send my irs XXXX returns through XXXX XXXX I told them I dont have them. Because in the email it said to call them if I havent filed taxes. I was told to submit the form anyway. I kept on calling them to see if the restriction has been lifted. They proceeded to cancel my account without reaching out to me and told me to just open a new account and go through the whole process again. They refused to tell me the reason why they canceled my account I had to call them 7 times just to get the reason. It was cause i had not filed taxes. 

XXXX I asked them to refund my security deposit of XXXX dollars they told me I have to wait 3 months to get my money back. I told them I couldnt wait that long and it would financially constraint me as Im currently unemployed. They said they are going expedite it through ach and Ill see my money in my account in 14 days. I called them a couple of days back for a status update they said they dont know and they cant tell me and I should see my money in a couple of days. 
I called them again today now they are telling me I have to wait 3 months to get my money.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts and inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$370.00} Date Opened : XXXX XXXX XXXX XXXX Balance {$320.00} Date Opened : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On my credit report it is showing that I owe a debt to XXXX XXXX, I reached out to them trying to pay the debt and they sold my debt to a third party first financial that company is not reporting on my credit report only XXXX XXXX is I have received a letter in the mail from first financial stating I have an account with them, So my account is not through First souce so I do not accept this debt nor have I signed an agreement with First Source. And as stated by 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. So I would like this completely removed from my credit thank you. 
With this being said I have also contacted the XXXX  without a response from first financial but honestly I think XXXX XXXX needs to be involved since they are still reporting on my credit and not XXXX XXXX and its inaccurately reporting I would like the debt to be completely removed from my credit report thank you.