23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the beginning stages of applying for a HELOC ( Home equity line of credit ). I was told over the phone on a recorded line by XXXX XXXX at Huntington National Bank ( XXXX # XXXX ) that my credit score would only be hard pulled once. The phone ( XXXX ) conversation took place approximately XXXX XXXX on XXXX/XXXX/XXXX. 
The next day, when looking at my credit report ( XXXX/XXXX/XXXX ) I 'm seeing there were two hard pulls by Hunting National Bank. Fist one on XXXX/XXXX/XXXX, then another on XXXX/XXXX/XXXX. I did not authorize the one on XXXX/XXXX/XXXX nor did I expect to see two hard inquiries pulled back to back within two days. 

I 've sent numerous emails out to XXXX XXXX concerning this matter, but no responses or reply 's.
Product: Mortgage

My existing mortgage is through Freedom Mortgage. I assumed the loan. I was on the loan originally with another borrower but assumed the loan to where I'm now the only borrower. I used to have online access to manage the loan but no longer do. Freedom Mortgage has closed my online account and has stated they're unable to provide access to my loan online. This is unacceptable.
Product: Debt collection

XXXX XXXX XXXX XXXX who does my taxes ALWAYS pays themselves what ever they are owed. It is taken out of my refund before they ever let me have a dime. I have not filed my taxes for a couple of years now because I have not worked as I am now XXXX., this is the very first time I am finding out about this bill and I am very irritated that they would do this when they know good and well they always get my refund, and remove what I owe in full and then give me what is left usually on a debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXXXXXX XXXX XXXX  Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

To whom it may concern I am requesting your immediate help in a very serious matter. As of XXXX XXXXXXXX XXXX located in XXXX XXXX, Iowa procured an FHA loan through HUD. At the point of origination an appraisal was ordered from XXXX XXXX XXXX located in XXXX Iowa were the said property was located. The loan was sold on the secondary market to XXXXXXXX XXXX located In Florida. As of XXXX I listed the home for sale, I received not one valid offer that would financially extract me from the Mortgage owed, pay-off the closing costs and allow me to move and acquire another home of lesser value, in another state. As of XXXX, I again tried to market the property myself, forgoing the exorbitant realtor costs, hoping to sell the property, just to cover the mortgage owed to the FHA and various closing costs, associated with the City of XXXX and Iowa State. The home to date has been on the real estate market for over 140 days with not one offer of validity offered. I have now gone to great effort to explore exactly why this home in question will not sale. The most important factor to be considered here, is that the appraisal ordered at the origination of the loan was fraudulent. The comp set used for the comparison study was entirely factitious. The home portrayed in the report are an entirely different category of structure assuming a far greater value than the home that was funded.I have tried to alert LakeView-XXXX of the fraud that took place, many times calling several times a day to be connected to many various individuals such as supervisor after supervisor in many different departments, yet to no avail. I am just told they have never heard of such an instance before and can be of no help. The financial loss here is exceptional. I entered a lease purchase for this home putting {$20000.00} as a down payment. Then I paid over one years time another {$42000.00} in monthly payments spread into a 13month payment structure. Then the FHA funded {$340000.00} in the complication of the said loan. This totals {$400000.00} when the home value should be in the {$200000.00} range, when compared to the comp set of XXXX XXXX for all of XXXX County where the home is located. As of XX/XX/XXXX, before my knowing of this fraudulent event, I put the home in forbearance with LakeView-XXXX. Lakeview Mortgage owns the loan, XXXX services the loan. The forbearance is now to conclude next month in XX/XX/XXXX. The home can not be sold for what the FHA is owed. I am at a total loss here as to what to do. I have reported this action to HUD, the FHA, to the Attorney General for the State of Iowa, to the Iowa XXXX XXXX XXXX and the the Iowa XXXX XXXX XXXX.I have as well spoken to Senior Management at LakeView Mortgage directly. A Mrs XXXX XXXX is my point of contact ( XXXX ) XXXX FHA CASE # XXXX LOAN # XXXX Most sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX  has violated my rights XXXX, has violated my rights. 

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

Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted/signature received ( USPS #  XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : XXXX  XXXX, XXXX. 
# XXXX
Product: Checking or savings account

On XX/XX/2023, an unauthorized debit was withdrawn from my business account at Wells Fargo in the amount of {$3500.00}. It happened again on XX/XX/2023 in the amount of {$4100.00}. My bookkeeper noticed the charges and asked what they were. After researching, I was unable to determine where or what the debits were generated. I contacted Wells Fargo customer service about the issue. I eventually received a letter from Wells Fargo stating that " too much time had passed before you notified us. '' They stated that they needed to return any unauthorized payments by the second business day after the transaction! WHAT?! What busy business owner looks at their bank account daily? This is Wells Fargo, AGAIN, ripping off their customers! I have called, and FAXED, over and over and over and over and over... virtually no response! Wells Fargo sent a letter ( uploaded ) with a number to call the " Merchant. '' It was a FAX number! They can not name the merchant or give me a phone number. It's a fraudulent debit, caused by their lack of security, and I have to " eat '' {$7600.00}! This company is a disgrace. You would think that after all the fraud they perpetrated on their own customers that they would get it together. Who would deposit their hard earned money in a bank that is NOT SAFE?? I've notified the Texas Attorney General, we'll see if anything happens there.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for improperly reporting a medical debt of {$1800.00} on my credit report. 

On XX/XX/year> and XX/XX/year>, a representative contacted me for collection efforts. In both calls, I informed them that I have a pending financial aid assistance form with XXXX  XXXX. Despite this, the representative falsely claimed on XX/XX/year> that the debt was sold and XXXX  XXXX could no longer provide financial assistance. This is incorrect. 

Additionally, I questioned why this medical debt is still being reported, given the CFPBs XX/XX/year> rule banning medical debt from credit reports. The representative dismissed it as ongoing news, which is also false. 

I disputed this debt with the credit bureaus on XX/XX/year>, yet Experian responded that the information is accurate. This contradicts the new CFPB rule.
Product: Debt collection

I was informed that on two occasions collection letters were sent to an address that was unconfirmed and not provided to to this creditor/collection company ( XXXX XXXX XXXX XXXX ) by myself. These two letters were both received by employees of my employer that received these letters. This seems to be a blatant violation of the Fair Debt Collections Practice Act. It has been brought to my attention that both of these letters have information pertaining to a debt that they claim that I owe to Citibank, which is personal information sent directly to an address without verification of that address or that debt. Not only do I feel that not only did this company violate my privacy but also brought embarrassment and shame to my name as a result of their reckless practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX, XXXX  and XXXX  and l discovered a fraud unauthorized inquiry on my credit report .A Financial Institutions by the name of One Main Loan in XXXX Indiana . 
I didn't apply or authorize no creditors to pull my credit online or by phone and l didn't sign me documents with my official handwritten I am XXXX XXXX and Retired.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2024
Product: Mortgage

To Whom It May Concern, Statebridge argues that they did not receive the package for loan modification, and foreclose on our home on XXXX XXXX, XXXX. 
After filing a complaint with the Consumer Financial Protection Bureau, loan modification was reviewed and determined that based on our financial information provided {$4200.00} of our monthly income is 31 % debt to income ratio, did not meet the accordance guidelines. Our mortgage is a Conventional 8.5 % Fixed Rate approved in XXXX. Statebridge based their denial on accordance guidelines, under which criteria and interest rate? Our question is under what validity of terms of modification guidelines was used? XXXX, or Today 's Prime Interest Rate? Why were we disqualified? When in fact, the published conventional mortgage loan modification today is XXXX % -XXXX %. Is this a common practice to modify our XXXX loan modification application with what Prime Interest Term, XXXX? 
Since, the conventional fixed loan is being modified in XXXX the Rate must correlate within the appropriate time frame of the loan modification review process. Banks offer loan modification as an option for struggling homeowners by reducing the interest rate. According, to the Government Bailout, we are those homeowners that this exact program were designed for. The neglect that Statebridge has demonstrated resulted in our home foreclosed!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Filed disputes with Transunion, XXXX, XXXX and XXXX XXXX XXXX asking them to provide proof of ownership and to remove from my credit report until they could provide proof. also stated that the loan has already been paid off by the principal. also stated they had no consent to add it to my credit report and for it to be removed immediately. Also stated they were violating the fcdpa act.
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry that was made into my credit report please delete. 

XXXX date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX Account # XXXX loan is paid off. traded the car in this account should show as paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am a single mom making effort to correct my credit report. I notice the more corrections I make on my report the more false reporting has happened. For instance in XX/XX/XXXX, I went to get a new car and found out my XXXX XXXX XXXX XXXX was reporting 3 month behind on payment. When I paid them XXXX dollars that I found out that they apply it to the principle on the car and not to the payment. They were continuously reporting me late. I paid off the car three month early and they put on my credit report 90days late and paid. Which was not true. Another issue I have had with XXXX XXXX. I have secure credit card that I was never late on. They closed my credit card due to fraudulent behaviors and has been reporting on my credit since XX/XX/XXXX that I am 90 days late on a credit card in XX/XX/XXXX. Although, this credit card was closed by the creditor who refused to let me pay on the account. Last, my student loams that suppose to be deferred to XX/XX/XXXX are reporting late as well. My credit score is very low. This is making it challenging for me to get housing and transportation. That I worked hard to get .How can we stop companies from abusing innocent people credit report. I am a victim and I am asking for your help and assistance. 

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

I have requested Equifax, XXXX, and XXXX  update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act. Specifically ( cash app ) failed to take timely and effective measures to prevent and address fraud on their platform, which leaves my account vulnerable and unprotected. These things have caused significant loss and inconvenience, and did not comply with the ( efta ), electronic fund transfer act. 
I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

XX/XX/XXXX I was waiting results of XXXX hearing, having had XXXX in XX/XX/XXXX and unable to work. My Chase Visa became past-due and was charged off. XX/XX/XXXX I received acceptance to XXXX and made a settlement payment to Chase for {$10000.00} and paid settlement in full XX/XX/XXXX. Chase sent me letters assuring me a paid in full settlement would be reported to the credit bureaus. But for 2 years and numerous disputes I still have CHARGE-OFF and a payment of {$0.00} for status for this account. I am being denied credit due to this account reported inaccurately, not reflecting any payment on this account, only charge-off. Chase keeps assuring me in letters they will report it as paid, but they keep giving credt reporting agencies misleading information as if I had made no settlement payment at all. XXXX just sent me a current dispute result, I requested and the status shows CHARGEOFF and the account code is charge off and payment is {$0.00} XX/XX/XXXX which is not true. I am not able to get a home equity loan due to this erroneous reporting. Please help!!!!
Product: Checking or savings account

Although they purport to be an online bank, Capital One is notoriously difficult to deal with. I spent hours online trying to verify my ID. After calling several times, and failing to use their terrible Web page which glitches constantly, I was cut off without a call back. 
When my brother opened his account, he too spent hours trying to verify his ID, having to inform the agents of the fact that he canon fact use his passport, something they were unaware of and needed to put him through to their manager to check!

Overall this is a company with terrible customer service, and an obvious lack of staff training.
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

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.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI 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 listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX, XXXX opened XX/XX/XXXX Total {$1000.00} XXXX XXXX XX/XX/XXXX Total {$0.00} Dept of EDXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : {$3800.00} Fingerhut/webbank Dept of EDXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$2400.00} Also inquiries listed below : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX 2023
Product: Debt collection

This is the second time, I've had to file a CFPB complaint against this entity. 
In my original complaint, Hyundai acknowledged that they were inappropriately failing to apply my payment which was within their possession, for nearly two months. After repeated efforts, they applied the payment they had all along, but during the timeframe made multiple violations for the FDCP ( Fair Debt Collection Practices ) Under 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or  unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The company upon my attempts to stop their unlawful behavior which violates my Vehicle installment contract, XXXX, California, and Likely various federal laws, as repeatedly attempted to inform me about the attempts to collect a debt from me, which is not legally owed to them. 

This practice is prohibited. 
I've obeyed the law, and informed them multiple times of the original infractions that continued. 

Here we are another month, and another payment that they've failed to allocate to my account, I am at risk of negative credit effects from this lawless action. 
And the company doesn't care, I spoke to the company a week or so ago, and they confirmed they would resolve this. To date, and wit, it has NOT been resolved. 

At this stage, with the repeated violations of my Vehicle installment contract, the Fair Debt Collection Practices, and the overall stress this is causing, I am filing this complaint to document their continued unlawful behaviors.
Product: Mortgage

My daughter applied for a loan with Mortgage Investors Group / XXXX XXXX in XXXX. She was given a preapproval letter and exactly what her notes would be. She therefore made an offer on a home. After paying for the home inspection and the termite inspection as well as having the owner of the home make multiple repairs. XXXX XXXX says well she really did n't check everything out as she should before she gave my daughter the letter. So, now she needs a cosigner. I agree to co-sign. FHA requires a XXXX minimum fico score which I am above but XXXX says she still ca n't do it. This is very unprofessional.