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

Upon checking my consumer credit report I noticed several UNAUTHORIZED inquiries on my credit report to which I did NOT EVER give consent to. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. & 1681i ), unverified inquiries must be REMOVED. Please investigate and remove any unverifiable inquires!

ACCORDING to The Gramm-Leach-Bliley ACT ( GLBA ) enacted in 1999, is a U.S. law that requires financial institutions to establish privacy policies and practices, including informing consumers about their information-sharing practices.

Upon reviewing my credit report, I noticed the following hard inquiries : [ XXXX  XXXX ] - XX/XX/XXXX [ XXXX XXXX ] - XX/XX/XXXX [ XXXX XXXX XXXX XXXX ] - XX/XX/XXXX Thank you for your attention to this matter. I look forward to your prompt response confirming the removal of these unauthorized inquiries. If you need any further information from me, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

An agency named Kross, Lieberman, & Stone have fraudulently stolen {$950.00} from me and I want my money back. Kross contacted me and claimed that I had an unpaid debt which they were trying to collect. Kross used the false name of XXXX to steal my personal information and made a false settlement agreement with me. Now an agency named XXXX is claiming I owe them and I have a balance of {$800.00} plus that I owe them. This is a lie. Kross appears to be a criminal organization that steals from consumers who are trying to do the right thing. Under that settlement agreement I DO N'T OWE XXXX ANYMORE MONEY BECAUSE I PAID THEM ACCORDING TO THE SETTLEMENT AGREEMENT. AND THOSE XXXX CREDIT BUREAUS ARE HOLDING ME HOSTAGE BUCAUSE OF THIS FRAUDULENT COMPANY CALLED KROSS, LIEBERMAN, AND STONE.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of XXXX XXXX XXXX due to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. 
XXXX XXXX XXXX has failed to properly remedy and investigate this matter.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of XXXX, which CFPB has closed when it shouldn't have. The problem is that Experian will not let me freeze or unfreeze my credit report when I want to. Their online function rejects my request, asking for additional documentation, but then Experian takes no action after I send it in. There has been no response from the company as to why I can't do this operation. I suspect that there is something wrong in their database about me that makes it not think I am who I am, but I'm just guessing. I would appreciate your help with this, and I would also appreciate your not closing the case till the problem is resolved. Thanks.
Product: Credit card or prepaid card

Synchrony Bank ( Gap credit card ) had a fraud charges as well as items that was purchased that I NEVER received and they still charged me the amounts and interest.
Product: Mortgage

We bought a house in RI in  2005 . Our loan was sold. We have refinanced a couple of times, each time with a decrease in appraised value. We are in a reasonably stable   XXXX   RI location. We are facing {$70000.00} in deprecation in our real estate investment. But the current lender gets paid every single month. We ca n't sell, we ca n't expand our house, we ca n't get rid of PMI. We have decent incomes but we are frozen here. I believe in the bubble of the market our original appraisal was inflated and, the lending institution acted gregariously. Can we bring suit against them? Is it advisable to seek legal counsel against the first lender Sovereign bank at the time.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Debt collection

I contacted the company on my due date and made arangements to pay the payment in 5 days when I had a paycheck come in. They said that was fine and told me to come in and pay on my payday. I then contacted them on my payday to see how much the payment was and they said I had to pay the total amount of the loan. I did n't have that much money to pay in full. I told them of my situation and they said I had to pay the whole amount. On my next payday I attemed to pay the full amount and they sent me an email saying that I had to pay the full amount plus {$500.00} to pay off the debt. They then proceeded to call roughly 20 times a day harassing me leaving me countless messages on my voice mail. They called so many times that I was reprimanded at work for my cell phone ringing twice an hour. I just want to settle the correct amount that is owed so the harassment will stop. The company is ace cash express.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX XXXX XXXX converted US dollar coin through the coinbase issued wallet address was never received in my account Amount was {$150.00} of transaction. 

I had lost about- {$37000.00} to Coinbase through their baiting trading practices. 

But I need my money back that they just took this morning. 
It showing inside my wallet transactions and etherscan blockchain as completed but I never received the US dollar coining my app .I have emailed, called support, requested call back XXXXXXXX XXXX XXXX hours, but response, just crickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, LLC attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. Since early XXXX, Ive been disputing the bureaus against their accusations of alleged debts. As I tackled my report, several items were " removed '' which is a violation of Federal law thus proving their guilt. Those same items which were deleted, verified or removed were thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as Federally Protected Consumer, the Original Creditor, Natural person.
Product: Debt collection

In  XXXX  of  XXXX , we were made aware of an outstanding ( prior to  XXXX  ) debt with Wells Fargo while applying for a home mortgage. Despite the age of the debt, we paid the outstanding balance so we could move forward with our loan ( oddly enough, with Wells Fargo  ) . On  XXXX / XXXX / XXXX , we received verification that the loan had been satisfied from  XXXX   XXXX   XXXX . This was then forwarded to   XXXX    XXXX  on  XXXX / XXXX / XXXX . Since  XXXX / XXXX / XXXX , we 've received threatening calls from no less than 6 different companies, threatening to sue us, come to our places of business and at one point, our employer was contacted.   Today, we received a call from  XXXX   XXXX  at  XXXX   XXXX . She left a message that we were being served legal papers at our place of employment. Provided a file number and a call back number.   We returned the call and spoke with  XXXX   XXXX , in " arbitration ''. She claimed to have a " junket ''. She confirmed the account number with Wells Fargo that has been in question since  XXXX  of  XXXX . My husband ( whose name was on the account ), stated that we would appreciate being served these " papers '' so we could respond appropriately. He also let  XXXX  know that this has been sold repeatedly and we would appreciate no more phone calls.   My husband has contacted Wells Fargo and they 've confirmed that this is no longer an active account number.  <P/> Please assist us with getting this handled. This is beyond harassment as we are both getting calls and now employers are being contacted. Despite proving evidence of our payment to several "  collectors  '', this debit continues to be re-sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.
Product: Mortgage

I have been in contact with Rushmore Loan Services for the last 2 years. I have been working with them for the last 2 months to transition out of a loan forbearance. My loan is owned by XXXX XXXX. Rushmore offered me a loan modification that extended my loan by 17 years. I denied that offer. I requested a deferral which is an option with XXXX XXXX Rushmore denied my deferral request. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to XXXX, experian, and XXXX  and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. XXXX said that they refused toblock my fraudulent items or dispute them. XXXX  wont even answer or respond. and XXXX  must respond within 4 business days after they recieve the documents. experian took some items off but wouldnt do two of them and experian deleted XXXX  XXXX  and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for experian the two accounts, XXXX/XXXX  and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports
Product: Checking or savings account

Goldman Sachs Marcus randomly closed my account for no reason, wouldn't tell me why. I had about {$30000.00} in the account, was going to move in more. I hadn't done anything with the account, so it was very surprising. They wouldn't provide any information " for security purposes, '' made me worry someone had stolen my identity. Provided no info -- causing duress.
Product: Student loan

After securing a loan with Keybank, I am now in the repayment process. During the repayment process, Keybank uses all avenues to conract me - email, letters and now twice-a-day phone calls. To include calls before XXXX. I have discussed payment and yet calls continue. If payment is not timely multiple calls will not make the money materialize - especially if there is simply no money. I have requested twice to be placed on the Do Not Call List, but the calls continue. 
Keybank has also resorted to deceptively placing calls from numbers listed as " Toll Free ''. They also do not leave voicemail messages identifying themselves. ( Voicemail is available. ) A schedule of their calls follows. 

XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX
Product: Student loan

I currently have 4 separate student loans that I have been paying on for years with XXXX, XXXX, wells fargo and XXXX XXXX XXXX, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with XXXX and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with XXXX XXXX XXXX just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, wells fargo increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with XXXX of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, XXXX said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX
Product: Debt collection

On XX/XX/2018 I noticed XXXX XXXX reporting a debt on my credit reports ( Original Creditor XXXXXXXX XXXX Nevada, Balance {$470.00} ) I mailed on XX/XX/2018 XXXX XXXX a debt validation request, especially because this account is past the statute of limitations but is appearing as a new account on my credit report. 

XXXX has not verified the debt, yet continues to attempts to collect the debt and report to credit bureaus.
Product: Debt collection

XXXX XXXX  has seen letters to remove. AmeriFinancial Solutions , LLC has added 2 transactions to my credit reports and have NEVER contacted me prior to posting to my credit report. Whomever they are collecting a debt for has NEVER contacted me because I do not owe anyone!!
Product: Mortgage

My wife and I applied for a mortgage through Wells Fargo on XX/XX/XXXX. Our home loan was supposed to close on XX/XX/XXXX. Two days before the scheduled close, the loan officer sent an e-mail saying that they could not approve the loan. As a result, I lost {$10000.00} in earnest money. Additionally, instead of moving from the house we were selling into the new house, I had to rent 3 storage units for a month and pay movers for 2 moves instead of 1. 

The issue is that the company had two months to scrutinize the income of my wife and I and waited until two days before close to pull the rug out from under us and tell us that they were not approving the loan. Had they told us sooner, we would have been able to get another mortgage company to issue the loan, but the 2 days they gave us before the close date was not enough to close a new mortgage. We tried to negotiate an extension with the seller, but were not able to. It was clear from my conversation with the loan officer afterwards that no attempt was made to understand our income. Instead, at the last minute, they invalidated large portions of it. Additionally, I offered to put as much down payment down as would be needed to close the loan. Because they waited until the last minute, all options were taken out of our hands, despite our best efforts.
Product: Credit card or prepaid card

I paid my credit card balance in full on XXXX XXXX, 2017. On XXXX XXXX a {$5.00} fee was assessed to my XXXX balance account. I did not receive notification of this fee as Citigroup/XXXX do not have my correct address or email on-file. I was then reported as being 60 days delinquent. Upon realization of this, I immediately paid the amount due. I called the XXXX credit card company and was told that once the payment hit the account I could call back and the reporting would likely be removed from my credit reports. Once the payment hit I did call back, and was read what appeared to be a legal recitation stating the reporting would not be removed. I believe the credit card company charged the fee in an unfair and deceptive manner so as to generate fee income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as I requested and did not provide proper validation. This is a medical collection that is being reported illegally. No PHI release form has been provided. this is violating my privacy and HIPPA Law. My latest request was completely ignored. The tracking number is XXXX and XXXX XXXX received it on XX/XX/2023. 

XXXX  tracking # is XXXX sent on XX/XX/2023 Equifax tracking # is XXXX sent on XX/XX/2023 XXXX tracking # is XXXX sent on XX/XX/2023 It seems to me like this is a violation under section 812 ( a ) of the FDCPA. It says " It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than a creditor of such consumer allegedly owes such creditor, when in fact such person is not so participating. ''
Product: Checking or savings account

I have three open claims with Bank of America with a company called trader XXXX? I have no close what this company is and I can not get any info online to even info on them or contact them. I found out about this fraud when I was in the negative and I had another unauthorized transaction that they have me back but these are big charges over XXXX and are refusing to give my money back. 

Account ending - XXXX Claim ID : XXXX Account ending - XXXX Claim ID : XXXX Account ending - XXXX Claim ID : XXXX I didnt authorize these charges my card was compromised / lost/ stolen. I have several transactions from an unauthorized non Us company and do not have a history or affiliation with this company. They have been taking money out periodically with my pay days. This is fraudulent and I have made the effort to have this company blocked from taking any more money .but I need my thousands backs. I am a teacher and work XXXX hours a day. I have never made any of these charges to this company. I have lost my card but always use the card linked my my XXXX. Yes I log in daily to the app but I dont go through every charge I just look at my balance. There are more undisputed charges with this merchant I just couldnt go that far back. I never authorized any of these charges and have no affiliation or contract or receipt from this company. They arent based in the XXXX. This is credit card fraud -did not give anyone authorization to use my account -credit card was lost/misplaced/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

dispute the information in the credit report. 
The letter they sent was to a postal address of a XXXX XXXX in XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, so I did not know about the letter, but after the payment due date of the loan a relative who received the letter addressed to my name in XXXX XXXX could not send me to XXXX the letter from XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.