23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Equifax, XXXX, and XXXX. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.
Product: Credit reporting or other personal consumer reports

I am submitting to request the REMOVAL of several credit inquiries again that were unauthorized from my credit reports. On XX/XX/XXXX, I received a copy of my credit report and became aware of these inquiries that I did not authorize were still reporting in my file. They are as follows, along with this inaccurate address : XXXX : XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. Attached here was my new FTC report with number XXXX.
Product: Mortgage

XX/XX/2023 Home Point Financial Corporation sent me a forced Placed flood insurance letter stating they wanted me to purchase flood insurance for my home in the amount of {$270000.00} which is more than the legal maximum amount possible for a residential home in Florida. After I purchased the maximum of {$250000.00} and both my insurance agent an I each sent then proof or coverage via fax and on the web site for {$250000.00}, the maximum, Home point is still refusing to admit I have the coverage and is forcing Lender placed coverage on me in the amount of {$13000.00}. Please assist in upholding the law and stopping them from fraudulently collecting money they are not entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 7. Validate Inaccurate/Reported Late payment XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. Identity Theft XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 9. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 10. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 11. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. Identity Theft Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX
Product: Checking or savings account

Chime, a bank account I use sometimes. was used to purchase a purse from a vendor on XXXX. I sent the intial money via chime to this person by the name of XXXX XXXX with the XXXX XXXX ( XXXX XXXXXXXX ). Intially she was messaging me on XXXX. When I started queshtioning when I would be getting merchandise from XX/XX/year> she blocked me on XXXX and XXXX and from the the chime account. I contacted chime because over a period of time this lady managed to get XXXX dollars from my chime account. I filed a dispute with chime and only XXXX hours later they denied the claim without even doing an investigation. This lady from XXXX kept sending me chime request for more money for merchandise that I never even requested. I didn't respond to her multiple chime request only ignored her yet she was still able to get so much money out of my account. Charges on chime are as follows. XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX dollars, XXXX XXXX dollars XXXX, XXXX XXXX XXXX XXXX XXXX dollars, At XXXX point she requested I send additional funds to a XXXX on chime because she said she had over XXXX dollars on her chime account. I explained this sounded fraudulant and a scam and I wanted my XXXX dollars back, I have NEVER received any merchandise. She tried to show me a fake tracking number but it was clearly a fake. I have asked for my money back several ways from her and chime. How this company, chime can just let anybody take XXXX dollars from someone's account and do nothing about it, I can not understand. I have filed a police report and am now reaching out to you. I can no longer make my this months house payment because chime has allowed this fraudulant company to take multiple amounts of money from my account. I need this handled as quickly as possible. I am a nurse at the XXXX XXXX XXXX and get 100 % XXXX from the military for being a XXXX veteran. I have a very fixed budget and this loss of money is really affecting my finances in a very negative way.
Product: Student loan

I have been enrolled in PSLF for 9 years. I have made my payments. I got wrapped up with this SAVE litigation, but as soon as they opened up being able to move back into other income driven repayment plans, I applied to move to PAYE plan so I could begin to make payments again and work toward PSLF. I applied in XXXXXXXX XXXX Now I'm being told that all processing is on hold. I have basically XXXX options and am being forced to sit, not being able to make qualifying payments toward PSLF. While others already in some of these repayment plans, get to continue making payments toward their PSLF. This CAN NOT be legal. I am losing my mind.
Product: Mortgage

Loan Application with Lakeview Loan Servicing Facts : I was gifted funds to assist with a 20 % down payment and closing cost from my children father. We both have separate accounts at the same bank therefore the funds were simply transferred form XXXX account to another. My bank statement clearly discloses the account number where the transfer came from. A letter was provided on the bank letterhead outlining the date and amount of each transfer which reconciled with the express banker deposits that were made into my account, the letter also includes the name and telephone number of the account representative if additional verification was needed. 

A gift letter that was signed and dated by my children father was provided per their request. 

Issue 1 : Request for children birth certificate. 

Compliant : The loan officer is requesting copies of my children birth certificate and claims it is a XXXX requirement. I can see several law suits in the development if this practice continues. 

Reviewing XXXX seller 's guide I found nothing that requires that the borrower provide birth certificates or social security cards for their children. 

Issue 2 : Request for Bank Statements from an unrelated 3rd party. 

Although all financial documents currently provided clearly discloses where the gift funds were transferred from and could easily be tracked the loan officer refuse to accept the document. They are requesting the bank statement from the unrelated 3rd party that gave me the money ( my children father ). The party that provided the gift is not associated in any way with the mortgage transaction other that providing the gif. 

Requesting the bank statements of an unrelated 3rd party is excessive when several alternative documents have been provided which verifies the source of the funds and show the history of the banking activity. 

The loan officer is applying XXXX guidelines and the Patriot Act abusively. 

Either intentionally or unintentionally both XXXX and the Patriot Act guidelines are being misinterpreted and causing unnecessary stress and the possible loss of my {$40000.00} Ernest money if the loan is denied. 

I am unwilling to provide my children birth certifications to apply for a mortgage and unable to provide the bank statement of someone else bank account.
Product: Credit reporting or other personal consumer reports

I have reached out to all XXXX major credit bureaus multiple times, asking them to verify some accounts and to do a full blown investigation on everything on my credit report. They all stated that everything was accurate, which was not the case because, I found some inaccurate items still reporting on my credit reports. My credit report show be accurate across the board and should not have any discrepancies in dates and balances. This is not the case in my situation, and accordance with the Fair Credit Act, XXXX XXXX XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX for the amount of {$810.00}. 
XXXX. XXXX XXXX XXXX Account # XXXX for the amount of {$1300.00} 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : states that a consumer reporting agency cant furnish an account without my written instructions. XXXX XXXX XXXX is reporting inaccurate items on my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, and they are not the original debtors and I have not signed any paperwork with this company. I have asked this company to show my the original signed contract and they have not ; therefore I demand this account to be removed and deleted from my credit report immediately. I have made a complaint to the CFPB before and it looks like they responded saying a telephone number dispute was the reason my account was updated and not deleted. This is not what 5 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section state so by law this account should be deleted from my credit report. I have reached out to TransUnion several times and all they have done was send out a letter stating me to verify my address which I have sent in XXXX certified letters with proof of resident. I've sent my state issued ID, bank statement, pay sub from my job, and credit card statement all by certified mail. So please delete this inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Equifax representatives. This is my 3rd and final attempt. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Equifax employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Equifax reports that they have verified these accounts are in fact mine. Who at Equifax verified this account? Who did they verify with? At this moment, these fraudulent accounts are only reporting on my Equifax credit report as the others have deleted this incorrect information. I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Equifax is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, ) These accounts have been deleted which I will attach, due to not being mine after investigation, but is still on my report. I have been fighting these accounts with Equifax for almost two years now. This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop fraudulent inquiries and I have well over ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ) fraudulent inquiries on my credit file. How is this happening? How are I being protected?
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting inaccurate and outdated information regarding student loans. The XXXX XXXX XXXX accounts were paid on time and in full more than 10 years ago.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Microbilt company response XX/XX/18 that Equifax issued the request for the inquiry. It seems XXXX/Mircobilt 's is saying Skip tracing is trying to locate where a person is or the person occupation .XXXX claims every month they go off the employee employment. XXXX claims everymonth on there update. First I have a state lic for been a XXXX which the state can verify. problem is XXXX   does and can not excess state information by law if so why is it not verified by XXXX. It also seems there is fraud commited by Microbilt as XXXX pulling soft credit for no reason. I don't care about there reponse meaning XXXX/ XXXX/ Microbilt 's response due to no facts to support there response. XXXX   has been know for fraud/ breach of consumer information. I would not trust or anything XXXX responds back to as truthful due to the high deceit and lies on both parities. I have hired an attorney to look into XXXX as well as XXXX/ Microbilt because both subadaries are playing the blame game or come up with some XXXX explation to the response. Going to court can be the answer if file by my attorney to answers and filing for damages. XXXX claims by the reports they have my employment as well as when year or years. as I have from last year reports mail out with wrong spelling wrong companies month after month so there seems like a lot of errors on there part. we can settle this in court.
Product: Debt collection

I am writing to request your help. WESTLAKE FINANCIAL SVC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : WESTLAKE FINANCIAL SVC : XXXX Date opened XXXX XXXX Status closed. This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : WESTLAKE FINANCIAL SVC
Product: Student loan

I have a payment that was made and withdrawn from my bank account on XX/XX/XXXX in the amount of {$70.00} that was not credited towards my loan as Edfinancial changed their website and did not include it towards my account history. I have already contacted Edfinancial numerous times and have not received a helpful response even after submitting the evidence of the payment, including a confirmation email and evidence of the payment being withdrawn from my bank account on XX/XX/XXXX. The payment was made to 'US Department Of Education ' but Edfinancial does not seem to think that along with the payment confirmation email is enough proof that a payment was made. Edfinancial has further sent me an email on XX/XX/XXXX that my inquiry has been resolved when in fact nothing has been done to resolve the issue.
Product: Credit card or prepaid card

I ordered native XXXX jewlery on line, charged to my Capital One Credit Card ending # XXXX, upon arrival several items not in small box, {$790.00} total, i have disputed many times, hired an attorney XXXX XXXX who has written many letters to Capital One, I have continued to call, etc., c/c did refund the {$790.00} several times then reversed, there reasoning based in seller gave them two tracking numbers they said fron the USPostal Service , I investigated these two numbers & USP said No such tracking numbers was ever ran through their system, i have paperwork referring to my case since XXXX, XXXX, my credit score was dropped by 40 % because I refused to pay the {$790.00} I never received.Help please, I am XXXX & have worked hard to keep great credit.???? The sellers are showing a signature with initials XXXX, clearly not me, my name on the account is my maiden name, XXXX XXXX, ( married name is XXXX ). All documents to support were mailed by my attorney to Capital One, I was told on phone they received.
Product: Credit card

XXXX of XXXX, Care Credit card by Synchrony Bank was approved for XXXX. Account always in good standing. Due to another creditors unlawful derogatory reporting, without my consent, Synchrony Bank has reduced my credit limit to XXXX which is discrimination. Just last week the credit limit was reduced to XXXX When I asked for increase XX/XX/XXXX, I was denied.
Product: Debt collection

Claimed debt is owed but never heard of the company and never had an account with them. Tried to solve with the company and no success.
Product: Debt collection

Pinnacle LLC has a XXXX XXXX bill on my credit report. I have never had a XXXX account. # XXXX. {$530.00}. Sent them certified return receipt letter, asking them to verify it belonged to me with no response. Then sent 10 day letter asking the same with no response again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 credit bureaus that I am a victim of identity theft. XXXX  and XXXX have been very helpful and resourceful. Unfortunately Equifax has been and continues to be rude, unprofessional and no help in my time of need to resolve the issues with my credit report. I have called and kept getting transferred after transfers then the representative would drop the calls on purpose which causes me to go through the whole process all over again. The representatives are rude and unconcerned. I have sent in everything they asked for with all documents to prove Identity theft, police report information, FTC report, multiple copies of my ID, and Social security card. Just for them to say they can help fix my issues on the report of fraudulent inquiries. I have reached out to the companies they said to resolved with the credit bureaus which I XXXX  and XXXX have been excellent about resolving but Equifax have been flat out difficult, rude, unprofessional, and unwilling able to help during this process.
Product: Debt collection

My husband died in XXXX lawyers and Trustees left debt and in XXXX doubled that debt using a company call Fiserv Lending Solutions that changed the account numbers on XXXX account that was already fraudulently transferred to me as debt instead of paying it off. XXXX with XXXX XXXX XXXX XXXX used this service to produce documents, new debt of XXXX dollars with rights to sale my home out from under me. Fiserv Lending Solution reproduces new documents, debts and rights against homeowners for banks and lawyers. XXXX XXXX XXXX has a criminal record working in Nursing Homes till a death occurred but is still in good standing with the Florida Bar. He was my attorney writing my wills, XXXX XXXX and business attorney for XXXX. 
One day after death Mr. XXXX took all of our personal information worked with 25 % share holders to appoint personal representative and Trustee XXXX XXXX to open a fraudulent docket with a fraudulent power of attorney under his Mr. XXXX as the deceased before Probate Opened, as the deceased. He used these fraudulent documents to take over all of our personal, business accounts, credit lines and collected 3 life insurance policies and all investment accounts and property. 
Using four dockets and rotating judges Mr. XXXX and XXXX XXXX whom I hired to protect me and my children was able to hide a criminal paperwork with many orders not signed off by a Judge, I will send docket to show this Racketeering. They produced more fraudulent documents and accounting split the estate and named themselves as Trustees and beneficiaries excluding me entirely and cheating my children of their inheritance as well. I am including documents that XXXX wrote of homestead protected and exempt in the hands of XXXX XXXX. Also included is a investigation by XXXX formerly XXXX that the loan I have been paying on does not exist. Also Fraudulent accounting that the credit line was a credit not a debt to me. Also the letter Mr. XXXX wrote to XXXX and Fraudulent debt and account transfers starting in XX/XX/XXXX to XXXX. Also all supporting documents that XXXX has been reopened. There are two civil cases one where Mr. XXXX was awarded legal fees. That case remains open because of procedural mistakes, due process and fraud. The Probate has been reopened for the same reasons and a Civil case in XXXX XXXX for Civil Theft and Fraud.
Product: Mortgage

Hello- I just sold a property that was serviced by Caliber Home loans. When I got the payoff quote, I believe I was incorrectly charged. I signed up for a 6 month deferrment during the pandemic and i was told the mortgage was put on pause. I was insured by an advisor at the company the 6 months of payments would be added to the END of the loan. When I got the payoff, they included 6 months of principal + interest. So they collected the amount of {$19000.00} ( early ) and incorrectly. I would appreciate your help in this matter. 

XXXX XXXX XXXX