23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

There was a total of {$200.00} deposit to my cash app. The cash app showed a total of {$150.00}. I dispute the amount before any withdrawal was taken from the {$150.00}. They continue to address the {$150.00} and the transfers made. I have disputed on several occasions the inaccuracy of the amount. I am requesting {$46.00} be returned to my account. Cash app continues to close the complaint without rectifying their error. 

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

I am hereby demanding the immediate removal of 2 closed XXXX XXXX accounts from my credit report. These two accounts are currently showing conflicting data regarding payments made to the accounts, and are in CLEAR violation of my FCRA rights. XXXX shows no payments after XX/XX/XXXX. XXXX shows positive payment history as an open account up until XX/XX/XXXX. This is a violation of my rights and I will be forced to take SWIFT LEGAL ACTION against both bureaus for reporting conflicting information on my credit report.
Product: Credit reporting or other personal consumer reports

Over several years XXXX credit has reported inaccurate information to my credit report. They are reporting and attempting to collect an alleged {$24000.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. Verification of the alleged debt is requested, specifically, a copy of all signed contracts with the original creditor and all legal notices sent on this alleged account. You are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, you have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit repo we Promptly request deletion of all any credit reporting to credit reporting ag Write or email me once to confirm your compliance with my demand within 1 This letter is as a complaint to the Consumer Financial Protection Bureau ( CP + The CFPB is authorized to investigate this issue and receive any related information. If you fail to comply with this letter, I may turn the matter over to an attorney or sue
Product: Debt collection

I'm currently having an issue with a collection company. They're reporting erroneous information to my credit report that needs to be removed promptly. Its violates 4 counts of the FCRA ( Federal Credit Report Act ) as well as HIPAA ( Health Insurance Portability Accountability ACT 1996 ) Under Section 602 - Reporting Inaccurately.

Section 603 ( A ) ( B ) ( C ) - Sharing Medical Information Section 604 ( 2 ) - Creditor is prohibited from using medical information for eligibility for credit or continued credit.

Section 605 ( 6 ) ( A ) - Provide sufficient information of such service provided Name, Address or Phone.

HIPAA ACT 1996- A health care provider or health plan may share relevant information if : given permission to share the information.

They must have a HIPAA " Released Form '' signed by me. Which they don't have NOT a " Privacy Notice Form ''. 
Sharing my information with a company is in fact fraudulent. Also not having the correct address or phone number which is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I received an email about my credit report on Equifax. XXXX XXXX/XXXX  XXXX  marked XX/XX/XXXX as a late 30 day payment. My score dropped 37 points. This is impossible as I sold my home, closed and paid loan in full XX/XX/XXXX. I have been in contact with XXXX  the last 4 months trying to fix payments marked as late. I thought the issue was resolved as XXXX  and XXXX showed the months of XXXX XXXX as current, XXXX as 30 day late, and XXXX and XXXX were marked as " D-No Payment History Reported/Available For This Month '' and XX/XX/XXXX showing CLOSED. I opened a dispute with Equifax XX/XX/XXXX to update credit information and the report is completely different then what the other two agencies are reporting. Due to their errors I am now not able to get a loan because they reported a late payment for this year. They also did this to my husband 's credit but reported the month of XX/XX/XXXX as 30 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to gather my credit reports to identify debt and get a handle on my fincnail situation. XXXX and XXXX were both easily acquired. The problem is with Equifax. The XXXX XXXX XXXX   site said the report was not available. So I logged into my Equifax account and tried to obtain a copy from the source, but was still not able to do this. I thought that I may have a freeze or hold on my account, but my profile states there are no issues on either end. So what are my options?
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES WERE UNAUTHORIZED : XXXX XXXX XXXX XXXX XXXX ONEMAIN 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 

I have contacted each company and each one has refused to provided me with the information they received that gave them authorization to run my credit. I asked what identifying information did they receive from my that gave them authorization to do this. Each stated it was done online. I advised it was not me and to remove this and they all refused. Some stated I would need a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX : I am writing to request an investigation of the following information that appears on my XXXX XXXX report : Dispute XXXX Account # : XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : The account with XXXX Bank in question is showing as settled for for less than full value, but I paid the full amount owed. Please update & remove the account now thats its paid in full. 

Enclosures : Copy of credit report with report number XXXX XXXXXXXX Last bill statement from XXXX Bank XXXX XXXX from XXXX Bank XXXX you for your assistance. 
Sincerely, XXXX XXXX
Product: Student loan

I was directed to put the loans into a forbearance amount of time until I could afford my loans. I then put the loans into a interest only payment for a year until they put me back right into the normal repayment. Please note the normal repayment was over XXXX $ a month.
Product: Credit reporting or other personal consumer reports

I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting standards. 
XXXX XXXX XXXXXXXX I requested documentation and verification of this debt including the method of verification
Product: Debt collection

I had complained about this previously in complaint number XXXX. I have now paid in FULL the entire about of the judgement filed against me, which by the way was three time the original debt, which they purchased for pennies on the dollar. I called the court yesterday to find out the status of getting my bank account hold released since I completed the payment of this judgement in XXXX. And I received a statement from the court showing a XXXX balance due, listing all the payments made and the amounts. I was told that the collection agency is looking for MORE money. {$47.00} to be exact. And the woman from the court was going to make a second call to them to find out the status. And would call me back if she made any headway. Needless to say I did not hear back from her. I also went on the website NJ courts to see the status of the docket. The case status shows as closed. The Proceed status shows as completed. And there is a XXXX type of " Wage Exec Iss '' that shows as ACTIVE. My wages were never garnished. And I would like to know why this is active. And how I can get a COMPLETE release from XXXX and XXXX stating I have COMPLETELY and TOTALLY satisfied any and all judgement and dealing with them. XXXX XXXX XXXX ( the account they levied on in XXXX XXXX ) will not allow me to close that account as they are saying they have received NO paper work stating they can remove the levy. Meanwhile they handed over the {$2400.00} or so dollars to the court and charged their {$120.00} in legal fees. I have now paid close to {$4000.00} for a debt that was originally {$1300.00} and I am still Being EXTORTED by this company. Their behavior is criminal and their tactics are shady. I want this done. I want a complete release from them and I will not pay them XXXX more penny. As this is unfair and unethical treatment. They are taking advantage because they know where I work and how detrimental a problem like this could potentially be. This is the worst form of legal extortion I have ever encountered. XXXX and XXXX and Cypress financial ( another arm of their corrupt marginalization ) should be disbarred. Who ever heard of lawyers collecting debts for THEIR own profit. There should be so legality against this. I want the wage garnisment closed, erased, destroyed, however it is done and this docket closed. The docket number is XXXX. Everyone should know what a fraud this firm is. I am SURE I am not the first nor the last to complain about their unethical practices.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, anXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 the account number on the account doesnt match my account number I reached out to them and they didnt change anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian improperly shared my contact information with many parties. Starting on Monday XX/XX/XXXX and continuing on Tuesday XX/XX/XXXX I received over 40 calls and text messages from creditors offering mortgage or mortgage refinance products. I never consented to them sharing my information. The creditors confirmed the info came from Experian. Experian makes it literally IMPOSSIBLE to get ahold of someone to stop the illegal sharing of my personal data. The phone number on their website they suggest calling when a privacy violation occurs is NOT attended to ( it will ring twice and then go silent ). The other phone number on their website is automated only and regardless of which automated options you choose, the machine states they are unable to connect people to representatives. We needed to call a line specifically for business customers of Experian to try to find a backdoor way to get ahold of someone. I would like to Experian to show me where I consented to them sharing my personal data as required by law.
Product: Mortgage

I applied for a mortgage loan through Quicken Loans. My loan agent was XXXX XXXX, Senior Banker NMLS # XXXX. 

When we began the loan pre approval process I asked if combining my Wife 's income to my income is ok to do. I am a XXXX  XXXX  of a small XXXX  and My wife works part time in the XXXX  of the XXXX. I was wondering if it would work for the XXXX to pay our family in a package with my wife doing some work also. XXXX mentioned that it was not legal and we could not do that. 

I reported back to our financial team at the XXXX  that the lender did not feel it is a good idea to combine what my wife makes to what I make. In order to allow for our family to live close to the XXXX and afford a home the financial team decided to give me a pay raise. They wanted me to find out what was needed in more funds to approve me to be able to buy home near the XXXX. 

On XX/XX/XXXX I text XXXX asking him what a XXXX or XXXX pay raise would get me. He responded with " Quicken Loans can't approve me for any other amount ''. I asked why? If I show the income then I can not be discriminated against. XXXX stated that He believed/it appears to him I was using my wife income not getting a true pay raise. I told him I did appreciate being told I am lying. 

A few days later I went back to XXXX and told him we are wanting to move forward with loan and the XXXX also decided to give me back pay/ bonus because of multiple years of making below the income mark for my position in a XXXX in our city. 

A few days later he told me to have a letter written from our financial team showing the pay raise. I did that. He also stated they need to know where the large bonus came from. I told them what it was and showed proof and a pay stub that it came to me from the XXXX. 

XXXX processed everything and got me approved. He had me pay XXXX dollars to commit. The appraisal was ordered and completed on the home. The next day I get a phone call from XXXX director saying that the fraud department denied the loan. No explanation was given other than they believed I " falsified ' or " inflated '' ( can't remember exact word ) my income to get higher approval. They also called into the question the legitimacy of the back pay/bonus. 

I feel like my integrity, our XXXX integrity, and our XXXX  committee 's integrity has been attacked and we have been victims of discrimination. Maybe its because I am a XXXX or my belief in XXXX, XXXX  XXXX ... I am not sure. But the way I was treated and the denial of a loan after an offer was already accepted on a house, inspections were already paid for and done. My deposit was already given quicken loans ... is thievery in my opinion. The financial loss needs to be made right and Quicken Loans needs to be held accountable for their behavior. I hope this companies protects many others from being victims of this criminal behavior.
Product: Credit card or prepaid card

I opened a business credit card in XX/XX/XXXX ACCOUNT ENDING IN XXXX, I PAYED EVERY CHARGE I MADE ON THE CARD. ANOTHER CARD WAS FRAUDULENTLY ISSUES TO A XXXX XXXX WITHOUT MY AUTHORIZATION and various charges was made on a card that i did not authorize, some HOW they were able to changed my correct address to a unknown fraudulent address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ny XXXX, according to the statements they sent to me on XX/XX/XXXX In XX/XX/XXXX AMERICAN EXPRESS AND TOLD THEM AND AFTER HAVING TO CALL SEVERAL TIMES THEY FINALLY CORRECTED THE PROBLEM IN XX/XX/XXXX AND I HAD A $ -XXXX CREDIT BALANCE ON THE ACCOUNT NOW I GET MY PERSONAL CREDIT REPORT AND THEY FLAG MY ACCOUNT AND PUT THAT FRAUDULENT CHARGES FROM THE BUSINESS ACCOUNT ON IT. 

I CALLED AMERICAN EXPRESS SEVERAL TIMES AND THEY CLAIM THEY DO NOT SEE THE ACCOUNT ON MY PROFILE, BECAUSE THE ADDRESS I GIVE THEM IS NOT ON THE ACCOUNT SO THEY CAN NOT GIVE ME ANY INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office. 

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that XXXX, Experian, and XXXX delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.
Product: Checking or savings account

The day XX/XX/XXXX I had a check from my friend who owe me money on my city bank account for XXXX dollars the next day my account was blocked so me and my friend went to the branch to proof the transaction was legit first of all the employees they dont want to help us then they took our information and they told us my account was under investigation so is been already XXXX weeks and nobody have contacted me back
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax the credit Bureaus continues to keep putting a collection account back on my credit report.The companys name is XXXX XXXX XXXX. This account was supposed to be permanently deleted off my account in 2021 yet the keep trying to put it back on there reporting after it has been removed. I have never been notified each time in writing that this account was being put back on my account according to FCRA credit bureaus must notify you within 5 days of the re-insert date. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Acceptance- unauthorized hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX XXXX XXXX unauthorized hard inquiry on my credit report I contacted XXXX about all 3 of these companies as soon as I received the alerts that they had pulled my credit report. When I tried to dispute the inquiries, I was told that I would have to contact the companies directly to dispute it with them. When I tried contacting the companies, I was only able to reach one, as the others had listed a CELL PHONE VOICEMAIL and an inoperable phone number as their contact number. The one company I was able to reach told me that I had to contact the credit bureaus. When I called XXXX back, they told me again that I had to contact the companies. On my third call to XXXX, I was told to file a complaint with the FTC, which led me here.
Product: Debt collection

XXXX 2023 someone opened an online personal loan with Credit Ninja using my information without my consent or authorization. I am a victim of identity theft. I never applied, opened or received any funds from Credit Ninja. The ID thief paid on the loan for a few months then it went into debt collections. I discovered the fraudulent activity when the debt collection account showed up on my credit report. I filed a police report, an FTC ID theft report and obtained an affidavit of forgery. I am now being harassed by the debit collections company. I have filed disputes and requested an investigation with Credit Ninja, XXXX XXXX XXXX and now XXXX XXXX XXXX. Today I received an email from XXXX XXXX XXXX advising that Credit Ninja and their client XXXX XXXX XXXX deemed the debt as valid to me because someone paid on loan. The companies did not investigate as I requested because I can prove that I did not make any payments to credit Ninja. My personal information is part of the XXXX data breech. In writing I have requested any and all information pertaining to this fraudulent loan be sent to me. None of the companies involved have sent me any information as requested. I am not going to be held liable for a loan that was opened fraudulent in my name.
Product: Debt collection

I think the credit bureau needs to remove debt from credit file ASAP as to the fax that I am a single mother in need of a place to live and needs this debt to be removed
Product: Mortgage

Ive been trying to contact pennymac to make a payment. I was on a XXXX forbearance and currently trying to become current. I can never get a hold of them. My assigned agent is always busy and there is no call center. I dont know where I stand as I get nasty grams from them and then get happy grams. I have the money to pay. The website is useless. Im at a loss. Id I dont do anything then im screwed. Id I try Im screwed. I need help for them to respond. Everything is automated. Ive worked for a bank and they are not closed. Please help. I want my home. I cant let something like XXXX kill my dreams.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a transfer of {$5000.00} from my Bank of America account to a bank in XXXX. I entered the correct BIC number but mistakenly typed XXXX as the account number, which was incorrect. Upon realizing the mistake, my sister contacted the recipient bank in XXXX. They confirmed that they received the funds but could not process the transfer due to the invalid account number. As a result, the bank returned the funds to Bank of America on XX/XX/year>. 

However, as of today, XX/XX/year>, I have not yet received the refunded amount back in my Bank of America account. I am requesting assistance in tracking this transaction and confirming when the funds will be credited back to my account. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account on my credit report as having a 30 day past due AFTER account was DISCHARGED. The 30 day reporting has to be removed from my account according to bankruptcy law. 

However, if your creditor does not correct the status of your discharged debt, or if the CRA does not maintain an accurate report of your post-bankruptcy credit information, your credit may be unnecessarily damaged. When you discharge a debt in bankruptcy, a creditor can not report that debt as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted as a new type of debt ( re-aged, or having new account numbers, for example ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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