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

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 This INQUIRY was unauthorized and done fraudulently without consent!
Product: Debt collection

I filed a complaint against XXXX XXXX and XXXX XXXX a few months ago regarding this same debt. I even explained the damages that Apartment caused me and my daughter. XXXX XXXX lied to the collection agency, stating they made repairs prior to me moving out. They did not. I shouldve taken the XXXX to court instead of taking their word. We had a mutual agreement that if I moved out I didnt have to pay anything and they were not going to report it. I moved back to XXXX and applied for and apartment and was turned down. If I wouldve know they reported me, I wouldve applied for an apt . Not only I cant find a place to live, I cant pursue my career as a XXXX XXXXXXXX. These people lied to me. I have no where to go and I cant pursue my career. I called the XXXX yo see why would they lie to the collection agency, they hung up on me and now they not taking my calls. I called the collection agency but they wanted me to pay them to each month to remove all my debt. What kind of collection agency Id that? I only wanted to discuss the apartment debt but they wanted money each month for other debt. If they think this funny, its not. Its not a game. They are literally ruining my life because they lied and now they just hang up on me and dont take my calls.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, this statement is being generated on my own behalf. Per the FCRA, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681 Section 602, Section 1681c-2, and 1681 B. These companies are in violation of these laws. US DEPARTMENT OF EDUCATION, XXXX XXXX, XXXX XXXX XXXX XXXX Furthermore, I am also a victim of identify theft. Per 15 U.S. code Section1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identify theft : XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My social security number was stolen from me to open fraudulent accounts under my name while I was in the Military. I lost my wallet with my social security number and do not know who open the fraudulent account in my name.
Product: Debt collection

I am disputing a {$100.00} debt from XXXX XXXX that was passed to IC Systems for collection. This debt is not mine, and there is no way I could be responsible for it. I received no prior contact or notice about this matter until I saw it on my credit report on XX/XX/XXXX. 

I request that this debt be removed from my credit report immediately, as it is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting your company because XXXX XXXX and XXXX Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   Portfolio Recovery Opened XX/XX/2015 + {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both XXXX XXXX and XXXX  about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.
Product: Debt collection

This is one of many issues I have been having. I have made Ocwen aware they have been charging me {$12.00} each month when we paid our mortgage over the phone. We did not make payments with a live person. I called Ocwen as I believe in Maryland this was not allowed. 
Ocwen said they could only see two phone payments we made but did not do a complete audit. Well we have found 18 months of fees so far. I have reached out to Ocwen and their Ombudsman and no return call.
Product: Student loan

Navient. Has contacted me four times outside of normal operating hours, on XXXX XX/XX/XXXX, at XXXX, once on XXXX  XX/XX/XXXX, and twice on XXXXXXXX  XX/XX/XXXX. I have never agreed to them being able to contact me during these periods. This is in violation of FTC guidelines. 

Furthermore, they were notified on XX/XX/XXXX that I would be stopping payments due to being affected by the Coronavirus pandemic. While private lenders are not required to stop loan payments, Navient has put a program in place to address this. They have, instead, opted to harass me by phone and add late fees.
Product: Credit reporting or other personal consumer reports

On XXXX 2023 I disputed this incorrect inaccurate information. According to 15 USC 15 USC 1681 eb / E ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates consumer reporting agency. I have attached documents as proof of Equifax, XXXX and XXXX XXXX violation of FCRA.
Product: Mortgage

We are in foreclosure due to some extreme financial hardship and have been attempting to take advantage of a loan modification program offered by our mortgage servicer Ocwen Loan Servicing. Over the past two months we have attempted to submit the required paperwork multiple times. They have rejected various pieces of the paperwork several times and it is difficult to get a clear answer as to why the documents were not sufficient. The main issue now is that they have not postponed the sale date and we now have to get a lawyer and file for a postponement ourselves. If they had started the loan mod process they would have postponed the sale, but as I say they have repeatedly found fault with the documents we submitted and the mod process has n't officially begun. The company is very difficult to reach with representatives clearly not in the US, often making it difficult to comprehend what they are saying. All we need is to modify the loan in some way, whether that be a refinance or even shifting the past due amount to the end of the loan term, so we can begin making payments again. It is clear to me that these delays are an intentional tactic, as some cursory research has shown Ocwen to be a very difficult company with many thousands of consumer complaints against them. Both the lawyer and an advocate we contacted knew of Ocwen 's dismal reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX XXXX XXXX that they are inaccurately reporting that I was late from XXXX XXXX - XXXX XXXX. I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XXXX XXXX - XXXX XXXX. Please assist me in getting these late reportings removed from my credit file.
Product: Money transfer, virtual currency, or money service

Date : XXXX Amount : {$9500.00} Wire Transfer Reference # : XXXX I sent a wire transfer from TD Bank to a recipient bank in XXXX. The money never arrived. TD Bank was unable to provide evidence of the following : * that they sent the money * that the intermediary bank received the money * that the intermediary bank forwarded the money * that TD Bank made good-faith attempts to investigate the problem TD Bank claims that the intermediary bank is XXXX XXXXXXXX in XXXX, but TD Bank is unable to provide any proof that XXXX XXXX received the money. 

I have contacted TD Bank multiple times, both in-person and over the phone. I asked managers in TD Bank to escalate the problem multiple times. TD Bank managers refused to escalate the problem, and were unable to suggest ways to resolve the problem. 

To resolve this problem, TD Bank should return my money. I am complaining to the CFPB as a last report in an attempt to resolve this problem.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and have tried to contact Equifax countless times and they violated the credit law and refused the resolve this matter! Fraudulent inquiries were made to my credit which should be removed immediately, these inquiries are listed below with the dates made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please see complaint XXXX. 

As part of the above complaint - providing private information to an unknown requestor, Mr. Cooper charged me XXXX to provide this information to whoever this was requesting my mortgage payoff. 

This fee needs to come off of my account ~
Product: Credit reporting, credit repair services, or other personal consumer reports

when i seen the report on my experian report around XX/XX/2022 i noticed the tremendous amount of inquiries i had ive tried to dispute the inquires with them and also remove the information that wasnt mine as far as personal and accounts. i ask for a supervisor and they hang up in my face its ridiculous. and i cant even get the report for the other bureaus so i could only use XXXX XXXX  and i couldnt just call them and ask them whats on there so i can dispute it they keep tell telling me to do my research and come back ignoring the fact that i cant get a updated report
Product: Credit card or prepaid card

On XX/XX/2018 I paid off the balance of my credit card XXXX. There was a XXXX   balance at that point. 3 weeks later I am informed they are closing my credit card due to my credit score. My credit has been going up monthly and my payment had been made on the card. They refuse to open the card back up. However they should not be able to just close the card. I have been a good customer for over 3 years with this card. They also did not send over a cleared balance statement.
Product: Payday loan, title loan, or personal loan

After checking my credit report Covington Credit has a negative entry on my credit report. After researching the cause apparently they sent a pre- approved check to my former address that I was renting to my son, who shares the same name ( XXXX ). Apparently without permission he intercepted the check and cashed it. I have since cleared the home and pressed charges. I have a fraud alert on my account prior to them sending the check and I was opted out of pre-screened approvals.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THE ( XXXX XXXX ) LISTED WAS OPEN FRAUDULENTLY SOMEONE USE MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IIN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I have contacted reliacard several times ... I am awaiting financial help from XXXX  ... a card was sent out a month ago but not to my address on file with the Dept of Labor and they will not send me another one because I don't know the address they sent it to ... I've spent hours on hold waiting to discuss this and 4 people have not helped yet they say they can not do anything ... I say how could they send it to some other address it should be one on file  from the XXXX  not what they previously may have had ... I really need help ... I've had no money at all and am only staying alive due to help from food bank ... please help me
Product: Mortgage

Many years ago we entered into a revolving equity loan/, mortgage with XXXX Bank XXXX which became XXXX Bank and finally Bank of America XXXX The loan was upgraded several times. However, we learned in XXXX or XXXX of this year while attempting to move to a credit union - that XXXX of the prior equity, line of credit loans had not been extended but a new mortgage issued - without the old mortgage being discharged of record. The Title search XXXX and other necessary information was sent to BOA at least 2 times - and by me at least XXXX more. We have lost the good deal offered XXXX - as the application expired & there was the outstanding lien. 

As my attached records show which has not been disputed by BoA ; the unsatisfied mortgage was fully paid upon the extension of the line of credit equity loan at that time 2001- and this has not been disputed. 

I will attach the information for your consideration and action. Our request for satisfaction was acknowledged twice by BoA- I will attach. When we followed up at the time frame BoA gave itself - the person called ( number given to call XXXX had no records nor interest in looking for them. We were again requested to fax all the documents again. 

We request help in getting a lien which has been paid - discharged of record and other just relief - as we lost a good deal XXXX - and are forced to continue with the BoA deal. 

Under the choices below, it does not easily fit but is " loan servicing '' as refusing to discharge of record a paid equity loan line of credit. Also we request only written responses or email responses from Boa. Please BoA - DO NOT CALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 months ago I wrote to XXXX XXXX XXXX, after it came to my attention theyve been furnishing data to you thats put on my credit reports, stating Im responsible for two collection accounts with them, which at that time, was the first I had heard of this company. I sent them certified mail ( see letters, receipts attached ), Directly Disputing these accounts, and furthermore requested they provide verification and validation proving I was legally responsible for these accounts theyre fraudulently reporting. They received my initial request and still to this day have not responded to that initial certified letter. After 30 Days I wrote them, giving them notice that by failing to respond, the law required they stop and remove credit reporting for those accounts. Their continued reporting of the two accounts is a violation of federal law, and as a natural person and consumer, everyday they continue credit reporting- they slander and defame my name and reputation, dragging it through the mud, and directly hurt my family and Is financial well being.

I am making you aware of their dishonorable actions and continued violation, so you can correct this issue. If the issue is not handled and the two accounts removed after seeing this formal complaint- you could be held liable for non compliance - by continuing to furnish credit reports with these accounts on them. Please and thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX 6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account XXXX : XXXX Delete this account. 


7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


11. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 


12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 




16.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


19.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Hello, Im writing you today because your organization is reporting XXXX incorrect addresses on the XXXX Report. Please look into removing these incorrect addresses because it makes me look unstable. I should only have XXXX address and that address is on my attached XXXX XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and the other incorrect address is below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Bank account or service

I am submitting a complaint about Wells Fargo holding funds from a check I deposited into my business checking account. The check was from a client and written to myself, the business owner, and my employee. I deposited the check in the ATM and was told funds would be available the following day. The funds showed up the following day on my account, but when I attempted to make a business purchase my card was declined. I immediately went into the branch and was told by a banker that there was a hard hold on the account even though the check funds had cleared due to the third party name on the account. They called loss prevention who advised me to simply bring in the third party and have her sign a hold harmless agreement and that the funds would be released or if I did nothing the funds would go back to the original account after ten business days. I took my employee out of the office to go to the branch and sign the agreement. After signing the paperwork, they then told me that they needed a proof of payment letter from the issuer of the check, XXXX. They told me to go to XXXX to obtain this letter. In an attempt to get this taken care of I went to XXXX personally to ask for this letter. XXXX advised me that it was ILLEGAL for them to give me a proof of payment and funds from the issuers account. I went back to Wells Fargo to inform them of the illegal action they sent me to do. The loss prevention team then told me to bring in my client who wrote me the check to verify the check and the funds. My client, myself, and my employee came into the branch and verified the check, showed the online banking for the account indicating the check was good and had processed. He also had XXXX verify over the phone the proof of funds to the personal banker and branch manager. They told us that the release would be completed within 24 to 48 hours. It has now been 19 business days, over three weeks and no funds have been released to myself or back to my client. I have been called a liar, given the run around, yelled at, hung up on, and treated like a criminal by Wells Fargo loss prevention. They have frozen my account and all my funds, in addition to the check funds. They have ruined a business transaction for over {$21000.00}. I have spent hours trying to speak with them and explain the FCPB regulations just to be hung up on. They are unreasonably holding my funds and not releasing them to myself or back to my client. This is the most ridiculous thing I have ever had to deal with. They keep telling me to do one thing, I do it, and then they say no do another thing. After all the running around I 'm doing I still have no account access, no funds, and no explanation. I have never been treated like this by anyone, no less a bank I have been loyal to for years with my business. This situation needs to be resolved right away, this is beyond out of hand. I have continued to reach out to managers and was told Id receive a call back and still never was called.