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

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Bank XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Services Account # XXXX Medical XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXccount XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the Conn 's tradeline for two of my accounts. This company has re-aged this account according to the correct DOFD from the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has not been proven to be mine, I don't know what this is. I don't want this gone from my report
Product: Credit card

Dear Consumer Finance Bureau, I am writing to file a formal complaint against First Progress regarding their improper handling of my secured credit card account, which has resulted in unjust fees and severe negative impacts on my credit score. 

In XXXX, I applied for a secured credit card with First Progress based on a recommendation from an agent, who advised me that the card would help build my credit by reporting to the credit bureaus. I prepaid {$200.00} as required for this secured card. 

However, the card was delivered to my previous address after I had moved into a new house in XXXX, a detail I was not informed about. I retrieved the card only a month later, and upon attempting to activate it, I noticed a fee of {$54.00} had already been charged on XX/XX/XXXX. Despite the card never being activated, I was subsequently charged late fees for the next four months.

I contacted First Progress immediately, explaining the situation and requesting a return of the card, as I no longer wished to use it. Despite multiple attempts to resolve the issue, I received no assistance. The card remains inactive, yet I have continued to be charged late fees, which have been reported to the credit bureaus, causing significant damage to my credit score. 

This unjust reporting has resulted in increased costs for my insurance, mortgage payments, and other premiums. I now urgently seek action from First Progress to correct these issues : 1. Refund of all late fees : I request an immediate refund of all late fees applied to my account and guidance on how I can recover the {$200.00} I prepaid, as I no longer wish to use this card.

2. Credit score rectification : I also request that First Progress immediately report back to all credit bureaus to correct the
negative impact on my credit score. These late fees were reported inaccurately, and I expect my credit score to be rectified across all bureaus where they have submitted these erroneous reports.

The ongoing financial strain caused by these errors is significant, and I respectfully request your assistance in ensuring that First Progress addresses these issues promptly and fairly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist Demand for Unlawful Reporting under the Fair Credit Reporting Act ( FCRA ) Dear Kinum Inc., This letter serves as a formal demand to cease and desist from all unlawful activities related to the reporting of my personal information on my credit report without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). 

It has come to my attention that Kinum Inc. has placed or continues to report inaccurate or unauthorized information on my credit report. At no point did I grant permission for you to access or report any information related to my credit history. Your actions constitute a violation of my rights under the FCRA, specifically 15 U.S.C. 1681, which requires that consumer reporting agencies and related entities report only accurate, authorized, and permissible information. 

I hereby demand that Kinum Inc. immediately : 1. Cease all reporting of any and all information related to me on my credit report without proper authorization. 
XXXX. Request the immediate removal of any unauthorized or inaccurate information that has been reported to any credit bureaus. 
XXXX. Provide me with written confirmation within XXXX  days of receipt of this letter that all information related to me has been removed from my credit report and that no further reporting will occur without my express consent. 

Failure to comply with this demand will leave me no choice but to pursue legal remedies, including filing a lawsuit seeking injunctive relief, statutory damages, and legal fees as provided for under the FCRA. 

Please consider this your final notice. 

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

Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of  XXXX , Equifax and   XXXX   XXXX  .
As of today,   XXXX   XXXX  , 2017, I have not received a copy of my credit report from any of them this year.
I am applying for a mortgage and must get copies of my credit reports.
Please force each of these credit agencies to send me a copy of my credit report without further delay.
Product: Mortgage

I applied for a cash out refinance late in XXXX  with an interest rate of XXXX for 15 years. The application process was moving along smoothly. Not long before my rate was set to expire, XXXX XXXX underwriting requested building inspection from the HOA. I found it odd that they waited until we were approaching the deadline to request this information. I enquired more than once as to why didnt they request this at the start of the loan like they usually do when important information is needed. I was never given a direct answer except that due to the condos that collapsed in Florida in XX/XX/2021, XXXX XXXX and XXXX XXXX are requesting this information to move forward with the loan. Long story short, the loan was eventually denied due to not being able to present the inspection that was requested. Not long after interest rates began to skyrocket. I eventually reapplied and by now the interest rate that I was approved for has gone up to XXXX. Thats a big difference from the previous rate I was approved for. Ive made a complaint with Mr Cooper but still havent got a straight answer. I feel that the mortgage company was aware that the rates was going to start to increase, and the previous loan was intentionally sabotage.
Product: Vehicle loan or lease

On several occasions I tried to explain that I sold this car ( XXXX ) to the dealer and purchased another one from them the XXXX. In additioni paid the dealer almost {$5000.00} which included all fees, taxes etc., etc. Now 6 months later the leasing company XXXX XXXX XXXX decided that I owe them {$460.00}. I don't owe them anything. If there was an underpayment, it is the Dealer who owes the money, not me. 
Now, they are playing games with the credit bureaus, reporting me as delinquesnt. As a result my FICO score has dropped 50 points which means my credit worthiness is below the good line.

Terrible business whereby a large giant foreign company can manipulate my credit score. I am  almost XXXX years old, pride myself as being a good citizen and honest person and one whopays his bills on time. All my accounts are up to date except Hyundai. 
They are completely unreasonable, knowing they are hurting my credit they refuse to remove this from my account. Well, I will not pay for something I don't owe.
Product: Credit card or prepaid card

This claim pertain to XXXX credit card. I have signed for a 18 months interest fee credit on purchase from XXXX XXXX back on XX/XX/XXXX, which would be due by XX/XX/XXXX. I have made my last payment on this purchase on XX/XX/XXXX, with a deposit of {$2000.00}. However, to my horror surprise, I was charged with a XXXX dollars in interest which I believe is fraudulent. The contract, lack transparence, as no where is to see such charge. Also I have never received any notification from this bank regarding my account and upcoming payments. 
I have tried to settle with the bank over multiple phone calls I made, without a resolution. The agents would have same script answer as there is nothing to do in this situation, so every time I tried to escalate to a supervisor I would be disconectted.
Product: Debt collection

I had a loan that was placed to multiple creditors. Ive been working with the other companies it went to and was told to stop payments until it was straightened. I had previously paid to these people, but stopped when I realized I was paying multiple people on the same loan. This company has been very XXXX  and downright illegal about it though. They didnt want to hear that the loan was with different people and failed to provide information such as when they got the account and other things that the other companies provided. One company in particular was great and super professional, trying to do this ethically and get to the bottom of it. ARB has been the complete opposite. Calling and emailing at all hours of the day, failing to provide me with information, and failing to find out why they are collecting on a loan I dont own anymore. The language is unprofessional, rude, and they clearly have no idea whats going on. The fact they are still trying to collect on a debt they know is being paid multiple times should be a huge red flag in and of itself. Very shady company. Ive attached proof of XXXX handling the account and them still trying to contact me with a settlement offer ( both the email and settlement offer attachment ) AFTER the fact. You can see the account numbers from the original loan match exactly and amount is the same. Seeing as the newest company took possession of the debt XX/XX/year>, they are probably trying to collect illegally on a debt they dont own anymore.
Product: Vehicle loan or lease

My account was sold to a different company after repossessed and sold. The balance on that account isnt accurate, and has a negative impact on my credit. There shouldnt be a balance of {$4000.00}
Product: Mortgage

In XX/XX/2019, we entered into an approved repayment plan with our home mortgage servicer US Bank HOme Mortgage with first payment beginning in XX/XX/2019 for {$5000.00}. We made this payment. We also made our XXXX repayment plan payment for {$310000.00}. The agreement with US Bank is uploaded with this complaint. 

Our loan with US Bank was transferred to a new servicer, XXXX XXXX XXXX on XX/XX/2019. XXXX XXXX XXXX did not honor our existing repayment agreement with US Bank when the loan transferred to XXXX because XXXX states it did not receive any documentation from US Bank indicating we were in a repayment plan with US Bank. Thus, XXXX placed our home loan in Active Foreclosure on XX/XX/2019 where it remains today because of US Bank 's negligence in transferring our agreement with them to the new servicer. XXXX 's attorney has sent us notice of the foreclosure. The letter from XXXX 's attorney is uploaded with this complaint. 

Now, we are not permitted to pay our scheduled repayment for the month of XXXX because XXXX views us as being in Active Foreclosure where it can not accept payments. 

When I called US Bank to prompt them to send XXXX our repayment agreement, US Bank representative XXXX stated that the reason US Bank can not send the repay agreement to XXXX is because US Bank marked our loan as having completed the repayment plan when it closed the loan out. She also said US Bank marked the loan " delinquent '' when they sent it over to XXXX. This is inaccurate. Our repayment plan was NOT completed. It was current and on going. And, our loan should not have been placed in ACTIVE foreclosure w/ XXXX if US Bank had transferred our documents appropriately. 

Because we are getting nowhere trying to motivate US Bank to procure the documentation in support of our repay agreement with them, we emailed the agreement to XXXX ourselves. Still nothing has changed. Our home is still being foreclosed upon simply because our loan servicers changed and documents were not included in the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 2 INQUIRIES ON MY EQUIFAX REPORT THAT SHOULD NOT BE 1. XXXX XXXX  2. XXXX XXXX XXXX
Product: Mortgage

Second request for loan Assumption application to Shellpoint Mortgage Company ; Collection company for Newrez mortgage Company XX/XX/2024 : pkg sent by XXXX and XXXX XX/XX/2024. In the mail I was told. 
XX/XX/2024 nothing in mail and no phone follow-up from Shellpoint or Newrez. 
Property in XXXX Ga. 
Shellpoint mortgage in XXXX SC Newrez company is out of state of Ga. 

Always tried to dissuade my application and Push to refinance.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XXXX/2023 - XXXX || Date of inquiry : XXXX/2023 - XXXX || Date of inquiry : XXXX/2023 - XXXX || Date of inquiry : XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my credit file. The items I need deleted are listed below. All of these inquiries were unauthorized. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/20XXXX XXXX
Product: Mortgage

DR Horton Mortgage in XXXX Texas denied my access to loan product that I was highly qualified to receive. The loan offers withheld my application know the following facts, 1. I was moving from XXXX to XXXX to purchase a home and I was on a extreme time limit. 2. I was a first time home buyer with limited experience in the home buying process. In addition, to being a first time home buyer, I was a women buying a home alone, with no experience.

The lender told me several times I am highly qualify for a conventional loan and allow me to fill out a conventionak loan application on XX/XX/2022. I expressed in writing and verbally multiple time the loan products, I wanted to apply too. I told officer, I was not interested in a FHA loan, and wanted a conventional loan using the XXXX XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX. I signed my conventional loan prepare escrow documents on XX/XX/2022. The house was scheduled to close on XX/XX/2022. The lender accepted my application and proceeded to ask for additional supporting documents, like work from home document on XX/XX/2022 and processed my earnest deposit on XX/XX/2022. However, my lender withheld my mortgage application for weeks and often called in to check my progress. Without warning around the week of XX/XX/2022, I was told the lender could not offer my a conventional loan and would only give me FHA Loan. I asked why several times and was told the conventional loan application could not be processed and the system rejected my application. Knowing that I had a deadline to move from XXXX to XXXX with a small child by XX/XX/2022 due to my job, the mortgage company played that card to their advantage. After request a review of my application by a supervisor, I was denied a conventional loan. I was also told to sign the paperwork for an FHA loan by Friday, or I would lose the house. They were not willing to give me time to find another lender. I immediately drove to XXXX to try to resolve that issue and to my dismay, after several discussions, was forced into a FHA loan application. I was never given evidence of why my application was denied or what was root issue. After signing the FHA loan application, my mortgage was approved with 5 business day. I felt like they took advantage of my clean reputation, great score, low debt to income, now credit issues. I was forced into a product I did not want. 
Therefore, I am requesting evidence as to why my conventional loan for XXXX XXXX and XXXX XXXX applications was denied. I am also requesting copies of all my papers work processed during my application period with loaner by certified mail. 
After forcing me into a FHA loan, knowing I had no other housing options at the time, the lender try to offer me additional incentives like 3 years of 1 % interest rate. 
Lastly, I spoke with several of my neighbors, how also had similar issues with this lender and their application process. They described the whole situation as a nightmare and that the lender to advance of they fact that they were all 1st home buyers.
Product: Credit reporting or other personal consumer reports

According to law 15 USC 1681/1681S-2/1681 ( 5 ) 1681c ( b ), according to XXXX XXXX Transunion in XXXX XXXX XXXXXXXX is supposed to ensure maximum accuracy Please delete these inquiries ( ASAP ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than XXXX days and nothing was changed when clearly there are misleading information and inaccuracies on my XXXX XXXX CREDIT REPORT that violates my rights .... attached is a copy of that report... THE EVIDENCE IS IN BLACK AND WHITE!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Due to these violations I have a right to sue per violation.
Product: Credit reporting

I am divorced from my Ex husband since XXXX 2015 and he has moved to XXXX, Washington for over a year. He has taken his car the XXXX XXXX XXXX and i am already removed as joint owner. Please remove the XXXX XXXX debt from my credit report. 
Also XXXX has a Debt of {$580.00} for a XXXX under XXXX XXXX. this person is not me and I have no clue who this person is. I have complaint to XXXX. Please remove this person debt from my credit report
Product: Credit reporting

I would like to file an complaint against Equifax for intentionally misleading the CFPB and manipulating CFPB online complain system with full knowledge of the deceit and deception. I filed the below complain which specifically outlined the merits of my complaint. Equifax is reporting in accurate credit scores, credit to debit ration ( XXXX % ) and available line of credit ( {$15000.00} ) to the government identity protection firm ( XXXX ). 
Equifax has knowledge of the fact the CFPB is not actually reading the complaints and their response and is taking advantage of this flaw within the CFPB online system. Equifax responds to my complaint ( claims I did not provide a specific complaint ) Please read in detail my original complaint and my reply to their response it provides details of the actual complaint. Therefore, Equifax is intentionally misleading the CFPB and manipulating the online complaint system. 



I received a letter from US Office of Personnel Management stating I was a target of malicious cyber intrusion, therefore qualify for credit and identity monitoring services. 
I went to there website XXXX provided by XXXX. I pulled up the XXXX credit bureaus report and noticed Equifax was once again reporting inaccurate information in regards to my credit to debit ratio. As of XXXX/XXXX/15 Equifax is reporting my revolving credit usage at XXXX % which is inaccurate my revolving credit usage is currently at XXXX %. Equifax is refusing to provide an explanation in regards to how they are coming up with XXXX %. Both XXXX and XXXX XXXX are showing the correct figure XXXX %. Equifax is showing my revolving credit limit at {$15000.00}, the correct revolving credit limit is {$22000.00}. 
Due to my race XXXX XXXX Equifax is purposely lowering my credit score by not reporting the correct credit to debit ratios. I have filed numerous complaints with your organization against Equifax in regards to this practice and to date CFPB is refusing to take action on behalf of the consumer and provide protection against Equifax discriminatory practices of intentionally lowering the credit scores of XXXX XXXX. 
Therefore, I will also have to file a complaint with the White House in regards to CFPB refusal to provide assistance to stop this practice.
Product: Checking or savings account

I did not receive my paycheck which is direct deposit and Capital One has NO INFORMATION on when I'm going to get my money. I need my money. I have bills to pay and a child to care for. This is absolutely unacceptable. All of their customers not getting paid?!?!?! I can not believe they treat hard working people this way. No email to let us know, I had to research the internet and stay on hold for an HOUR to only have the agent tell me she doesn't know what's going on and there is NO ETA on when it would be fixed. This can not happen. People NEED their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind that. I knew my credit was good and there was no way. I then pulled my credit report on my own and saw a outrageous list of accounts that do belong to me. I have never seen these accounts please delete these accounts from my report. 

US DEP ED XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX  XXXX {$940.00} XXXX  XXXX {$120.00} XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX   XXXX {$100.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX {$22000.00} XXXX XXXX  XXXX {$22.00} XXXX, XXXX XXXX {$640.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This letter is complain to Equifax to erase an error account from my report XXXX XXXX XXXX shows one missed payment I talked to equifax and also to the creditor and asked equifax to erase the account  from my report because I was an authorized user on the card and creditor agreed to take me out from the card so Im no longer an authorized user please erase it from my report