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

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Debt collection

I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX. I did not recognize the debt, I disputed the debt and asked for clarification. This has gone on for several years with various other collection companies. Most recently, I have received collection noticed from XXXX XXXX, then when I again disputed the claim, I began receiving collection demands from Resurgent Capital Services L.P. Again, I immediately disputed the debt and asked for validation. I received communication from Resurgent " enclosing verification of the debt '' which turns out to be an " Account Summary Report '' prepared by Resurgent, adding their collection costs, and a pamphlet regarding Resurgent 's services, with the notation that I should contact them within thirty days or the debt would be deemed valid. In every correspondence, I have specifically requested verification that I owe the debt, I have told them to cease and desist with their debt collection actions, I have sent them all certified mail, return receipt requested. They have received every correspondence. The amount they are trying to collect is {$340.00}. This has been going on for a few years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are an elderly couple trying to buy a home with a Reverse Mortgage for Purchase. As a result of us being scammed many years ago, we have our credit froze or locked..The other two credit reporting agencies, XXXX & XXXX  have unlocked our freeze without issue HOWEVER, Experian refuses due to some sort of security breech ( theirs ). They want us to send them copies of bills, bank statements etc and it will take them WEEKS to process. Our home is for sale and we are trying to purchase one in another state ... .Weeks to process their foolishness is unacceptable!! We feel they are trying to hold us XXXX and trying to stiff-arm us into purchasing their " membership '' which they will process faster ... Please advise..
Product: Credit card or prepaid card

Ive been a capitol one customer for decades and I made my payments on time and never been late or had any past due amounts and sending larger payments so I can have a better credit score ....  few months ago around XX/XX/2019 capital one ended there relationship with me because they were telling me that I opened up too many disputes under my credit card some of the disputes were open up without my permission and most of them were done by my guardians and my wife and I was out of town and capital one will not re-open my account and revoke my credit card and I lost 60 points off my credit score I was very disappointed and sad capital one was my first credit card and the best bank and they let me down and I dont want to re-apply Im willing to talk to them and work out a deal to restore a credit card relationship with capital one ... ..
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX. I recently opened a Skrill account. This is a digital wallet account used to upload money to use for every day things. I uploaded {$650.00}, I then went to make a transaction and I got a notice and an email stating that my account is permanently closed. This incident happened on XX/XX/year>. Skrill needs to be dealt with from a professional and legal standpoint. Thank you.
Product: Credit reporting

All my accounts are included in the bankruptcy. These accounts need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had several accounts open in my name that was fraudulent from XXXXXXXX XXXX XXXX XXXX XXXX XXXX And XXXX they made me get on a payment plan until they figure out who really opened up this account. I keep dispute with Equifax, but they keep asking me for the same information that I am providing. I did not open those accounts and I want them removed for my Credit as soon as possible?
Product: Checking or savings account

1. A mount a.  XXXX  Check deposited  XXXX   XXXX ,    2017  b.  XXXX   XXXX ,   XXXX   called Discover Bank over check being mailed in due to fund 's not being available and make sure they did n't deposit the check twice, due to it was mobile deposit.   c. Check amount in ( a ) redeposited again  XXXX   XXXX  email  d.   XXXX   XXXX ,    2017  {$70.00} removed from my account and the positive amount account rendered to - {$57.00}.   e. Called Discover bank and they told me " they would return the funds back and what else they removed '' but have yet to do so.    2. Com plaint a. Already addressed situation  with ( Discover Bank ) and t hey have yet to keep there word.   b. They took over a week to make another small deposit into my account on  XXXX   XXXX ,  2017  of {$2.00}
Product: Student loan

My name is XXXX and I continued making payments on my federal student loans during the COVID pandemic. On XX/XX/XXXX I paid off {$65000.00} in student loans ( see Attachment A ). As a result, I brought my federal student loan balance down to {$6100.00} and only had one subsidized student loan from the XXXX XXXX XXXX remaining ( see attachment B ). In XXXX, my student loans were transferred from XXXX XXXX to MOHELA. On XX/XX/XXXX XXXX XXXX announced his Administration was forgiving up to {$10000.00} of federal student debt per borrower. On XX/XX/XXXX I received notification from MOHELA that my account balance was still {$6100.00} ( see Attachment C ). 

I called MOHELA on XX/XX/XXXX and requested over the phone that I receive a {$3800.00} refund for student loan payments I made during the COVID pandemic. Furthermore, I followed up with MOHELA and received confirmation on XX/XX/XXXX that my refund request was processed ( see Attachment D and XXXX ). 

On XX/XX/XXXX I logged into my MOHELA account and saw that my account balance had increased from {$6100.00} to {$100000.00} ( see Attachments F and G ). I spoke with MOHELA over the phone on XX/XX/XXXX and even though I only requested a {$3800.00} refund, a customer service representative informed me that my entire federal student loan balance was reinstated on XX/XX/XXXX. I asked him when I could expect my student loan refund and he wasnt able to provide a clear answer. He also failed to provide me a tracking number as to when I would receive my refund. 

I received my student loan refund of {$87000.00} on XX/XX/XXXX which resulted in a {$11000.00} overcharge by MOHELA ( see Attachments H ). If you look at my account ( see Attachment H ) you will notice my next payment is due on XX/XX/XXXX, however I paid my student loans in full on XX/XX/XXXX ( see Attachments I and J ). On XX/XX/XXXX I received a paid in full letter from MOHELA confirming that I have paid off all my student loans ( see Attachment K ). On or around XX/XX/XXXX I received a bill via email from MOHELA claiming I owe money on a loan that was paid off last XXXX ( see Attachment L and M ). 

Im reaching out to your office because I want clarity as to when MOHELA will 1 ) correct and refund the {$11000.00} overcharge that was levied on my account and ; 2 ) stop billing me on student loans that I paid off in XX/XX/XXXX. I want to take action and resolve these missteps before MOHELA causes any further financial and emotional damage. Please dont hesitate to contact me if you have additional questions or need more information from me. Thank you! 


XXXX XXXX
Product: Credit card

Received the uploaded letter requesting private personal information I hope from Citi Bank 's card service with a short timeframe threatening suspension of account. Phone number on back of credit card was answered with third part recorded ads. Manager of unit ultimately reaching by looking up the number from a statement and being transferred twice requested different personal information than what was originally requested. She could not put an accurate request on stationary or provide a deadline to allow a properly formatted request after XX/XX/year>. 

Citi should be much more professional in their requests.
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. 

Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Mortgage

According to my latest credit report, FREEDOM Mortgage has reported payments missing on mortgage account ( XXXX ) Credit report shows delinquent 30-59 days, 60 days and 90 days FREEDOM Mortgage reported delinquencies have resulted in a dramatic drop in credit scores. I find these delinquencies appalling and outrageous. Due to the numerous setbacks/delays and FREEDOM Mortgage authorization to miss two payments during closing on refinancing application, XX/XX/2016 Freedom Mortgage informed me that they could not proceed with closing until account had been brought up to date. I had been led that I was authorized to at least two payments, while preparing to close on refinance application. During this process their had been numerous setback/delays, with no explanation. Due to FREEDOM Mortgage 's unwillingness to process refinance application in timely manner, having been given the run around, having been deceived on several occasions and Title company continuous delays in approving subordination, I had been forced to enroll into the repayment plan for six months. I was in compliance with they terms and conditions. I even sent documents to support authorization to miss mortgage payments. Instead of FREEDOM Mortgage admitting that they may have been wrong and proceed to reassess the situation has proceeded to report negative comments on credit report which has resulted in a dramatic decrease in score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX 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
Product: Debt collection

I started a application with XXXXXXXX XXXX XXXXXXXX XXXX on XXXX XXXX for a piece of jewelry but i never picked it up. I noticed I kept getting emails about a lease and missing payments through acima and I called acima to figure out why I got those emails because I thought due to never picking up the piece of jewelry they would just cancel out the application. Acima said theyll start up a case and report it as missing Since I made a claim that I didnt get it. I then went to the jewelry store to get more information about the issue and they told me that after 3 months everything goes to corporate and when he pulled up the information that matches my lease it shows I dont owe anything and that youll loaned me {$400.00}. The manager stated the owed balance came from interest from the {$400.00}. He also stated to get a fake piece of jewelry and tell acima that I have the jewelry I couldnt afford it they can have it back and if they need to call him to confirm the jewelry they could. I said no because I never picked it up.
Product: Checking or savings account

Citibank decided to close my account and block my access from one minute to another, XXXX XXXX XXXX  and have no cash access they are withholding my funds and not giving me reason as to why or allowing me to access my funds to be able to eat and pay me rent I contacted the executive response unit and obtained a case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX claims that I authorized a credit pull on my account, which I didn't. Furthermore, this unauthorized credit pull happened two years ago and should be removed from my account on XX/XX/XXXX. Please ensure that the unauthorized XXXX XXXX credit pull that occurred on XX/XX/XXXX is removed before or on XX/XX/XXXX as required by law. I feel that I have dealt with this illegal credit pull for long enough.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am incredibly stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family, and this is completely unfair. I have tried several times to get these accounts removed. In addition to my information being exposed in XXXX and XXXX XXXX XXXX data breaches most recently, so I thought you all would protect my consumer report. I do not feel that my information is being protected. Most recently, I received mail from XXXX XXXX XXXX attempting to collect a debt owed to XXXX XXXX XXXX XXXX in the amount of {$10000.00} that does not belong to me! This is defamation of my character and a federal law violation. According to 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not fair, and it's going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal for these companies to give people 's information away to 3rd party companies. This is damaging, neglectful, and fraudulent. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negative effecting my livelihood, and that of my family, putting us in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX ( inquiry XX/XX/XXXX ), Experian XXXX XXXX ( inquiries XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX ( inquiry XX/XX/XXXX, XXXX  ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiry XX/XX/XXXX ), and XXXX XXXX XXXX XXXX   ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Debt collection

I have made several complaints and provided proof that the Solar Mosaic debt is not mine and the account is now closed. All XXXX companies,, XXXX, XXXX and XXXX keep certifying that the information on my account is correct when its not. The CFPD does nothing about this even with the documentation saying its not mine.
Product: Mortgage

The purpose of this letter is to formally notify Carrington Mortgage Services ( CMS ) that the hazard insurance premium payment was incorrectly calculated at the time of determining my qualifying modified total ( PITI ) mortgage payment. This results in me actually having to pay {$200.00} more than the determined qualifying payment amount. CMS has the annual insurance premium amount incorrect on their documents. CMS incorrectly calculated an annual hazard insurance premium based on half of the actual premium amount ( {$1400.00} ) when the total annual premium is actually {$3400.00}. CMS used the 1/2 premium mid year amount and divided by 12 months, versus the actual annual premium amount. CMS determined my total PITI modified payment to be {$1700.00} based on this incorrect figure. Using the correct insurance payment of {$290.00}, as identified in the insurance billing and the modification request package, would result in a lower P & I payment to be equivalent to the {$1700.00} PITI payment. I am requesting the P & I payment be reduced to reflect the correct PITI amount of {$1700.00} as agreed, with the correct hazard insurance payment amount. Not doing so will result in my escrows being insufficient and resulting in me paying a much higher mortgage payment that I can not afford.
Product: Debt collection

XXXX XXXX XXXX keeps calling me on behalf of Spot Loan - www.spotloan.com. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that Experian has placed XXXX unauthorized hard inquiries on my credit report. I have not given any lawful consent for any of the credit reporting agencies to furnish any negative information on my report. This is my written consent to opt out of any furnishing of any non public information including inquiries hard and soft. These inquiries are to be removed immediately. An identity theft report has been attached, and a police report has been filed as well.