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

I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize XXXX XXXX XXXX, and capital one auto finance. This showed it was done on XX/XX/2023. 
On my XXXX report, I show the following inquiries ; XXXX XXXX, capital one, XXXX XXXX, XXXX XXXX again, and XXXX XXXX on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : capital one, XXXX XXXX XXXX XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 604A Sec 2 : Also state a consumer reporting agency can not furnish an account without my written instructions. 
15 USC Cose 1681a : Rules of construction XXXX-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences the between the consumer and the person making the report. 
15 USC 1666B A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Product: Mortgage

I submitted a complaint in regards to New Rez with the CFPB in XXXX of 2020 Complaint # XXXX I received a response from the company in regards to the complaint where it stated they would spread the escrow shortage/mandatory XXXX. escrow cushion out 60 months instead of the usual 12 months. They said this would be done once our automatic enrollment in the companies forbearance covid plan was over. This automatic enrollment ended on XX/XX/2020, I expected ( as they said they would do automatically ) to receive a new mortgage statement reflecting the changes they said they would made in order to pay XX/XX/2020 mortgage payment. However, I have yet to receive any new statements and when I call the escalations department on their letter they wrote in response to the CFPB complaint, it asks me to leave a voicemail. I have been leaving voicemails everyday since XX/XX/2020, with no response. When I call the regular phone number for loan servicing, the reps state they can't help me only escalations and that I just have to keep leaving messages. 

Could you please help me get a hold of the correct people to work with in regards to this matter? I just need for them to do their job and respond and fix my mortgage so that I can afford it, the way they said they would in regards to my initial complaint. 

I have even called and asked for XXXX XXXX, the lady from their company that responded to the initial complaint, and the representatives responses are all the same ; they can not contact her. I just need for them to fix my mortgage so I can pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX removed the account and transunion has not yet removed the account as of XXXX XXXX. i will attatch a file stating that XXXX removed from all credit files but transunion has not yet removed the file.
Product: Credit card

I received a security system from XXXX an affiliate of Fortiva retail credit company. The amount that was disguised and agreed to during the time I was very clear that I was out of work on XXXX from having XXXX car accidents within XXXX  days XXXX deer hit me. I made the sales rep. aware he said I would be fine presented me a quote that was within my budget, I agreed to move forward unfortunately I was unclear of the retail credit company and the credit process. When he gave the hand written quote it was for a total balance he did not clarify that the would be XXXX separate transactions for a higher amount than we spoke on that I believed to be the full pitching price broken down into monthly installments. I have reached out on numerous occasions and sales representatives have been in touch however, their limited knowledge and ability to handle this matter is unsuitable. I have spoken to customer service representatives who stated they were unsure why I was transferred to them in the first place from XXXX customer service representatives to Fortiva customer service representatives both companies responded similar once I explained all the details and other occasions they simply were rude and or had no information to provide for me. When they werent rude they simply had no resolutions to the matter. I was advised to pay the full balance and Fortiva would stop contacting me and I would no longer owe them anything. Thats the only solution a Fortiva sales rep could provide.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my son had initiated money transfer from his Paypal account to my paypal account. Both the accounts are tied to our individual bank accounts. 

On XX/XX/XXXX XXXX XXXX XXXX deducted money from my son 's account.

Paypal did not deposit the money into my account as of XX/XX/2020 - XXXX XXXX  PST. 

There is no phone number to call!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

on XX/XX/2024 I received a letter from Diversified Adjustment Service INC trying to collect a debt from me. They stated I gave them permission to contact me which not true. They are not original people who I signed a contract with. they are trying to collect {$620.00} from me but didn't provide original contract in email. This was charged off by original contractor.
Product: Debt collection

I have tried to resolve this issue with PRA directly to no avail. I am frustrated by their lack of service. There are several inaccuracies being reported by Portfolio Recovery Associates ( PRA ) to all XXXX credit reporting agencies ( CRA ). I have contacted PRA via email and by phone several times to discuss the incorrect reporting and have not been able to have them respond as to why the information is incorrect. See attached initial email, contact timeline and supporting documentation from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
Since PRA was unable to assist with an explanation, I contacted XXXX of the CRAs and XXXX, in an effort to determine why the inaccuracies were appearing on my credit report. I explained to both what I was seeing and XXXX stated that I should work with the entity reporting to the CRA, ( PRA ) since neither of them may change PRA 's reporting.
Product: Checking or savings account

Bank of America Claims department told me to contact VISA because there is no way for them to handle it anymore. 
BOFA fraud claim IDs XXXX. Claim ID : XXXX XXXX. Claim ID : XXXX I've contacted each merchant, they told me to contact VISA directly with addendum to BOFA on the CFPB to get my refund from the 2 claims. 
I was out of the country when the fraud took place, there was no way for me to contact either BOFA or VISA to stop the multiple fraud from happening. I was in XXXX, due to COVID I couldn't get back or go to an embassy. I wasn't even aware my card was stolen and used. I provided both TSA proof, XXXX  proof, and XXXX XXXX XXXX ticket to prove I was out of the country, TSA stated that it was a white figure who stole my wallet at TSA Terminal 1 when I was leaving the United States, and XXXX proof that they did all they can but could not recover the card.
Product: Debt collection

I got a collections notice from this company today. About two months ago they were mailed a written letter from me requesting no contact in accordance with the CFPB laws. I got a letter in the mail today. Next communication from the company & my lawyer will be writing them with a summons for breaking civil law.
Product: Prepaid card

My aunt purchased a {$100.00} XXXX gift card and gave it to me as a XXXX gift. When I went to use it for the first time to purchase a coffee, it was declined. The packaging and card advertise that there is no need to activate the card since it activates when purchased. On XX/XX/XXXX, I called the customer service listed on the back ( XXXX ) and the woman on the phone told me that there was a XXXX dollar balance on the card. I was shocked because this was my first time ever using the card and it was safely secured in its packaging the entire time and needed a pin to complete any purchase. I asked her where the money was spent and apparently it was used at a XXXXXXXX XXXX XXXX XXXX  sometime in XXXX. I told her I received this card as a gift and there was no way the card was used prior unless it was fraud. She said that she could reinstate the amount back on the card, but I would have to mail a picture of the front and back of the gift card and a copy of my government I.D . to a XXXX XXXX XXXX XXXX, FL. Then, I would have to reach out in 3 to 5 days to see if they received the documentation, and then they would reissue the gift card. This could take 7 to 14 days to deliver. Something was really fishy about this interaction, so I went to their website XXXX XXXX XXXX  to see if there was any information online about the funds being used and the website did not even recognize the gift card at all. I did not send any information. I wanted to know if others were having similar issues and it turns out I am not the only XXXX.
Product: Credit reporting or other personal consumer reports

Installment loan was opened fraudulently in my name the name of this company is XXXXXXXX XXXX XXXX i have tried multiple times to get this issue resolved but had no luck. i did not open this account under my name please delete immediately. 

XXXX XXXX XXXX Account # XXXX ... .Balance {$24.00}
Product: Vehicle loan or lease

My husband went to purchase a vehicle. The dealership sales manager said he would probably not be approved for a loan just by himself and told me I needed to sign with him in order for him to get the vehicle. I have never had insurance and they knew I did not. Once giving them a XXXX deposit they let me take the vehicle off the lot. Upon looking at the paperwork they listed my husbands insurance from Ohio on the vehicle. The Ohio insurance says they are not going to cover the car because its registered in Texas. I tried to get my own insurance but based on my pay I will not be able to afford it they are saying its going to be 3,000 for 6 months. I also talked to the bank and they let me know the loan has not been approved yet and that i'm just driving around a free car. I explained all this to the dealership and they are saying I have no choice that I have to keep the car. I have attorneys and the bank saying no I can return it. Im not sure what to do.
Product: Debt collection

I received a total of 12 phone calls on XXXX XX/XX/2021 and the morning of XXXX XX/XX/2021 from Credit Corp Solutions. The company failed to cease calling me after I asked them to cease and desist any/all communication with me. On XXXX XX/XX/2021 they started calling me at XXXX, at which time I asked to speak to a manager at the call center. I spoke to XXXX XXXX and he informed me that they use an automated dialing system to call debtors and that they were looking for someone named XXXX, about whom I have no knowledge. I'd like for this company to stop harassing me, my family members, and anyone associated with me.
Product: Checking or savings account

Bank of America failed the ID verification responsibilities under XXXX CFR Part XXXX Subpart J - known as XXXX XXXX. 

A fraudulent account was set up in the Bank XXXX Hawaii using my personal information and a suspicious transfer was deposited in my account with Bank of America for {$0.00}. I alerted Bank of America of this fraudulent transaction and fraudulent account by calling their fraud department. I told Bank of America not to send any money to this Bank XXXX Hawaii account, because it was a fraudulent account opened in my name. 

It is typical for these fraudulent accounts to deposit a small amount of money into an account before they perform checking fraud/transfer fraud. This was done on XX/XX/23. Bank of America informed me that an account freeze was not necessary and that they would not send any money to this account with Bank XXXX Hawaii. 

The next day, XX/XX/23, {$4700.00} was debited from XXXX Bank of America account and transferred to the Bank XXXX Hawaii. Bank of America failed in their duties to verify the identity of the account holder requesting the transfer of funds. 

The account balance remains outstanding, Bank of America has failed to make me whole in this instance of fraud.
Product: Credit reporting

Experian did not take sufficient safeguards and that my data on their cloud was hacked, including my address, SS #, DL, etc. Experian did not send a registered letter, call me or email me as one would expect at such a major breach. Despite a XXXX tele # listed on the Experian letter, I was unable to reach a person or receive the free complimentary two year membership. Consequently, XXXX fraudulent XXXX accounts ( XXXX & XXXX ) were setup using my personal information stolen from Experian. Filed XXXX County Sheriff Police Report # XXXX. Called XXXX, File # XXXX, Pin # XXXX tele : XXXX, and spoke with XXXX XXXX & informed. 
Experian has not sent me a free credit report requested thru XXXX ( other XXXX companies have responded ). All attempts to contact them have failed. I am not sure if they are still in business. 
See attached docs.
Product: Mortgage

Attn : XXXX XXXX XXXX, CEO BANK OF AMERICA N.A XXXX XXXX XXXX XXXX XXXX, NC XXXX Ref : Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX Bank of America # XXXX Foreclosure case # XXXX XXXX XXXX XXXX  MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSE As the Pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 

Since XX/XX/XXXX, our property has being victim of three ( 3 ) WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX open a third ( 3rd ) Wrongful Foreclosure case XXXX XXXX vs XXXX XXXX  on behalf of XXXX XXXX  AS TRUSTEE for the ACE 2006-FM2. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of XXXX and its reputation. 

This account previously serviced by Bank of America N.A ( BANA ) was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release. 

The XXXX Family request XXXX/BANK OF AMERICA to dismiss the Wrongful Foreclosure case # XXXX and release property XXXX XXXX  XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 



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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Entry on report for " XXXX '' with a balance over {$2000.00}. This account was discharged through a chapter XXXX bankruptcy in 2019. I have provided all three bureaus the discharge paperwork and am also attaching it to this complaint with XXXX highlighted three times. There is a XXXX  balance on this account yet it has been reporting as balance due for years. I have submitted disputes to the bureaus but because they don't read my correspondence and instead use computers, they aren't seeing what I'm saying and are auto-verifying. I can not get a mortgage while this erroneous balance exists on my report.
Product: Credit reporting

Capital One is reporting a collection on my account through XXXX/XXXX. I spoke with a representative in which she advised Capital One bought XXXX Nevada but still disguising reporting using XXXX name. I was in a chapter XXXX bankrutpcy from XXXX - XXXX and Capital One was included. This account should have legally been discharged in this completed bankruptcy payment plan. Capital One is destroying my credit intentionally.
Product: Mortgage

AVOID QUICKEN LOAN. 
Working with Quicken on a VA refinance loan was a terrible experience for me. I initially contacted them on or about XXXX XXXX. On XXXX XXXX I sent them a letter, at their request, explaining my intentions. Based on the letter and my proof of service, they informed me that I was eligible. I proceeded, at their direction, with the actions required by the XXXXappraisal, the pest inspection, well water test & treatment. All together about {$1000.00} out of my pocket. On XXXX XXXX, after I had done everything they asked & after Quicken had received all the necessary documents to close, they informed me that I was ineligible for the loan. Long story short, they agreed to refund the cost of the appraisal only. Meaning I wasted {$600.00} to accomplish what they told me to accomplish. AVOID QUICKEN LOAN.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, cfpb ; credit bureau ; I am writing to formally dispute a series of unauthorized hard credit inquiries that appear on my credit report. These inquiries were made without my consent and do not pertain to any applications or transactions initiated by me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge and seek the removal of such inaccurate information from my credit report. 

The inquiries in question are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, mandates that a credit report may only be accessed for specific purposes and with consumer consent. As these inquiries were neither authorized by me nor related to any transactions I initiated, they are in violation of the FCRA.

Additionally, under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The unauthorized inquiries listed above fall into this category and should be investigated and removed accordingly. 

Furthermore, 15 U.S.C. 1681s-2 ( a ) requires that furnishers of information ensure the accuracy and integrity of the information they report. The presence of these unauthorized inquiries reflects a breach of this requirement. 

Given the violations of the FCRA, I request the immediate removal of these unauthorized inquiries from my credit report. Please confirm the deletion of these inquiries in writing once completed. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I sent {$120.00} to cashapp from my bank the funds cleared. I then tried to make a purchase using cashapp card and the funds werent there anymore. I contacted cashapp they stated to contact my bank. The bank stated the funds were posted but when I logged on cashapp the funds disappeared. I disputed with cashapp because my funds were stolen and they deleted my cashapp profile. Email at the time was XXXX they states they closed to activity that they dont condone but I only used it for money transfer and to send money
Product: Credit reporting, credit repair services, or other personal consumer reports

The Debt I have with Allied Collections out of XXXX is refusing to stop reporting my debt after 7 years of reporting XX/XX/XXXX is when debt started and now its XX/XX/XXXX I want debt deleted from reporting to my credit report
Product: Credit card or prepaid card

My XXXX account was sold to XXXX financial. Recently my card has been declined for simple transactions even though my account is paid in full every statement. 
Since XX/XX/XXXX, I have called their customer service number several times each day, and they kept me on hold as long as I could stand it ... .up to one hour! 
XXXX. I can not get through to them for an explanation. 
Please help. The bank that sold their credit accounts said they couldn't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. As a result, there is fraudulent information on my credit report. Experian is refusing to block information after I filed a police report and FTC fraud affidavit.
Product: Credit reporting or other personal consumer reports

I am not associated with the creditors mentioned, and these inquiries were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this complaint on my behalf and is not made in error. LexisNexis is reporting inaccurate and private information on my consumer report and sharing information with other consumer reporting agencies.