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

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past XXXX years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : 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 {$300.00} Incorrect Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I sign up for the coinbase platform in XX/XX/XXXX since then Ihave benn investing every month, hanving returns.on XX/XX/XXXX Idecided to get some of the profitability out of my personal account and leave XXXX euros in my Coinbase portofolio.the next day Coinbase restrited my account ( supposedly because of problems they tell me ) on XX/XX/XXXX he entered Coinbase and all my chrytomocurrencies have disappeared for approximately XXXX euros .I feel like he scammed me
Product: Debt collection

I am a victim of Identity Theft and this is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " PORTFOLIO RECOV ASSOC ( XXXX XXXX  ) '' collection account on the XXXX and XXXX bureaus, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account.
Product: Debt collection

I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : NCA Date of Inquiry : XX/XX/year> Amount : {$560.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out via first class mail with tracking on XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, XXXX, TRANSUNION ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT.

according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not remove this innacurate accounts, an arbitration will be filed and sent out to all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX  cold called me on XX/XX/2023 and informed me that they had obtained my information from company that sells information to which they didnt give me the name of and since Im In  the market for a car I told the person to let me browse their selection first and that is all. The following day I get a notification that they had done a hard pull without my consent or even knowledge. I called several times and all times I was told I the called was being transferred and no one answered and I kept being sent in a dial loop and left messages as well and they never got back to me so much for their family values and their customer service. Not only did they break a consumer law but they refuse to be of any help to fix it.All my calls were done before XXXX but for someone reason everyone was out for the day. This is extremely frustrating and upsetting because Ive spent a lot of money recovering from identity theft just for someone to be so careless, inconsiderate and non complaint with not only their mission statement but with the law as well.
Product: Checking or savings account

On XX/XX/XXXX, I alerted XXXX Bank to an issue with their interest calculation ( see " Optum XXXX Secure Message.jpg '' ). I received on XX/XX/XXXX that indicated the issue would be sent to their back office teams ( see " Optum XXXX XXXX XXXX '' ). 

Reg DD 1030.7 ( a ) ( XXXX ) specifically outlines the manner in which institutions are allowed to calculate interest. The commentary for Reg DD 1030.7 ( a ) ( 1 ) -1.i specifically prohibits " paying interest on the balance in the account at the end of the period ( the " ending balance '' method ). 

Optum is creating a Reg DD violation by utilizing the prohibited ending balance method to calculate interest. 

It is not possible for my XXXX period average daily balance to be {$5000.00} ( see " Optum XX/XX/XXXX Statement.pdf ). This was the lowest amount in my account at any point during the XXXX statement period. 

It is not possible for my XXXX period average daily balance to be {$1100.00} ( see " Optum XX/XX/XXXX Statement.pdf ). While not my lowest balance in the month, the average would clearly be higher than this as evidenced by an over {$5000.00} balance for approximately 15 days. Optum is utilizing the ending balance method to calculate interest in this case.

Optum does not appear to have any rhyme or reason in how they calculate the balance on which interest is calculated.
Product: Money transfer, virtual currency, or money service

Chase checking account : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX On XX/XX/XXXX XXXX wire fraud transfers without my authority from the above checking account. 
1st wire fraud transfer was for {$2400.00} ( Online domestic wire transfer Via : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 2nd Wire Fraud transferfor {$2600.00} ( Online Domestic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These two fraud wire transfers were not authorized my me and I was not notified by Chase by any means. I called Chase TEXT Department and they tell me that day ( XX/XX/XXXX ) they did not send me any text message. I never use wire transfer before and I don't pay rent because I owned my own house. I don't know who is XXXX XXXX I did not log in Chase account on XX/XX/XXXX. On XX/XX/XXXX when I log in and found out the unauthorized transfers, I noticed Chase immediately
Product: Credit reporting or other personal consumer reports

Through XXXX, I submitted information for pre-qualification only. On the website it stated there would only be a soft credit check. Flagship Credit Acceptance was never authorized to run any hard pull of my credit as it was only meant to see possible rates with no affect on my Credit.
Product: Mortgage

XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XXXX XXXXXXXX Mr. Cooper Loan # XXXX To Whom It May concern : Mr. Cooper has indicated in their most recentXX/XX/XXXX correspondence that the proposed post modification of unpaid principal balance of this loan is {>= $1,000,000} with a property value of {$360000.00}. In that same correspondence you refute any and all allegations of fraud, duel tracking and deceptive practices, yet it certainly appears deceitful, ( and that is putting it lightly ) to state the property value as {$360000.00} when the actual value of the home is {$310000.00}. A {$59000.00} difference is no little oversight. 

Please know that the value of this loan did not become so inflated without an improper origin. 
Deceptive practices such as disregarding homeowners ability to repay, high point adjustable rates and excessive fees, created an unsurmountable amount of debt for the borrowers ; and potentially a huge write off for the Mr. Cooper, if foreclosed. 

Mr. Cooper has consistently conditionally approved a short sale or Deed In lieu, because that benefits the lender, but what about the borrower who was deceptively lulled into a loan that was a against their best interest. A principal reduction modification is necessary in certain circumstances and/or with certain loans like this. With that said I am also making a request for mortgage information. 

And lastly, the borrower wants to keep their home. Principal reduction is the only resolution that can achieve that goal. Therefore, the borrower requests the modification denial be reconsidered with principal reduction. 


Please help us to appeal to with Mr. Cooper to reconsider the court order modification. 

Thank you, XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

regions bank holding charges yo cause od to be higher again CFPB Fines Bank  $ XXXX for Overdraft Violations, With $ XXXX More in Redress still doing same thing
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$590.00} collection account from XX/XX/XXXX on my Experian credit report. I have disputed this multiple times, and it still remains. XXXX XXXX XXXX is the collection agency, and XXXX XXXX is the original account. 
When XXXX came to my door in XXXX, XXXX XXXX promised lower distribution rates than XXXX for electric, so I signed up. After months of being over-billed dramatically, I called to cancel and be refunded and XXXX refused. 
They did not hold true to their promises. Recently, upon my investigation, I found there is a class action settlement against XXXX XXXX for services provided from XX/XX/XXXX through XX/XX/XXXX for OVERCHARGING CUSTOMERS. I am a part of this settlement. I should have never been overcharged. XXXX charged me a total of {$890.00} ADDITIONAL on my electric bill from billing periods XX/XX/XXXX through XX/XX/XXXX. Of this, {$590.00} was unpaid once I caught on. 
I have called Experian and a new dispute was opened since I discovered the class action settlement. Per the results, XXXX XXXX XXXX validated the collection amount and stated it will NOT come off my credit report. 
I have contacted XXXX XXXX XXXX 2 weeks ago, and they stated there is nothing they can do. 
I have attached all XXXX bills which include over charges for XXXX XXXX. I have also attached my current Experian credit report, and the dispute results. 
**Any and ALL information can be found at XXXX XXXX XXXX regarding the class action settlement.
Product: Credit reporting or other personal consumer reports

Recently a file was removed from XXXX following an investigation. XXXX has refused to remove the same file and has also refused to run a correct investigation on the file. They have revived a digital and paper copy of the XXXX file being deleted and have ignored it each time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently reviewing my Equifax Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted from my Equifax Credit Report : 1. XXXX XXXX XXXX XXXX, OK XXXX
Product: Debt collection

Real Time Resolutions Inc. have been dishonest in their reporting and collection practices regarding a mortgage loan that was closed and charged off by XXXX XXXX on XX/XX/2012 and then it was transferred to Real Time. Acct XXXX. XXXX XXXX sold the loan to Real time and now I am a victim of Real Time false and misleading representation and false Debt Collection Practices. I have filed complaints thru all credit bureau and real time continues to report that the loan is Active ... and I'm 120 days delinquent. However that loan has been closed since 2012, charged off, and past the statue of limitations to collect. I'm in severe hardship thru this pandemic and real time erroneous reporting has caused me adverse hindrance because I have tried to refinance my current mortgage and was denied due to them. Please help me by making them remove from my reports because it's also 7 years past the date of last payment. I don't owe this close and charged off debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote  XXXX , TransUnion, and   XXXX   on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified.  XXXX  said they will removed but still fail to do so.   XXXX   and transuion said they verified but the court said they did n't verified threw them. This item is not mines
Product: Mortgage

I contacted Penny Mac Loan services on XX/XX/2016 during their normal business hours to make a payment. Made my payment over the telephone for {$1700.00} but it was not showing up on my account online account as pending when I logged on today.. I made another payment today to avoid any late credit reporting.I 'm disputing any late credit reporting as I made two payment in a month time. I attempted to put today 's date of XX/XX/2016 said payment would be posted XX/XX/2016. Disputing any late credit reporting as I made a telephone payment on Saturday, XX/XX/2016. I want this issue investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a dispute letter to Equifax and requested them to remove three fraudulent accounts due to identity theft. I also sent them my police report including my FTC complaint and all my required ID documents. Equifax refuses to remove these fraudulent accounts even though they are required to do so.
Product: Student loan

Hello, I have been having consistent issues with my lender, regarding getting my student loan forgiveness process started. A about 4 years ago I was contacted by a counselor from XXXX-XXXX. She contacted me on behalf of the Federal Student Loan program. She stated that she had someone on the line that was wanting to speak to me about starting payments on my loans, and helping me enroll in the forgiveness program. After speaking with the man on the phone, he stated that if I made consecutive payments of about {$200.00}, for about 8 months, I would be setup with the student loan forgiveness program ( I have bank statements showing the withdrawal of these funds ). Fast forward to now and I am still getting calls and letters stating that the interest on my loans are still increasing, and now requesting payment. I contacted the loan department of education, and explained all of this to a young lady on the phone ( I also recorded this conversation if it is needed ). She advised me that there are 3rd parties that will charge you for this free service. I questioned her further and advised her that I was contacted by my counselor, and she called me and connected me to someone working for the Department of Education. She advised me that she would email everything that I needed to start the forbearance process. I sent all of the requested info. in, including my most recent pay stub. The process was only approved for a month, and then I received a letter stating that the information I supplied was not enough to determine my monthly gross pay. Again, I supplied all the information that she requested. This has been highly frustrating considering that I already paid money month after month, that I didn't have, to start a process that still hasn't started. This whole thing seems like a scam. I have also contacted a firm that is already working cases like this, and have been advised that my loans qualify for forgiveness. Any assistance you can offer would be greatly appreciated. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date.

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
Consumer Portfolio S - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Portfolio Services XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all XXXX credit bureaus ( XXXX Equifax and XXXX ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW!

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall..

( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) IT TOOK LONGER THAN 30 days on my investigation therefore these items by law have to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with EQUIFAX concerning the LATE PAYMENTS listed on my XXXX XXXX and XXXX XXXX XXXX Accounts. 

According to the below listed XXXX XXXX EQUIFAX, XXXX XXXX and XXXX XXXX XXXX XXXX have no legal right to report these LATE PAYMENTS on my consumer report. 

Title 15 U.S.C. 1681b- Permissible Purposes of Consumer Reports ; states that it is illegal for anyone to have or access my credit file without my written permission. I therefore demand that EQUIFAX provide said written proof that I gave my written permission to EQUIFAX, XXXX XXXX and XXXX XXXX XXXX XXXX publish any information on my consumer report. 

15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a Consumer Credit Report clearly states : ( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This law makes it illegal for EQUIFAX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX report LATE PAYMENTS on my consumer report. 





I HEREBY PLACE EQUIFAX, XXXX XXXX and XXXX XXXX XXXX XXXX on notice That : Pursuant to 15 U.S.C. 1692a ( 3 ) I am the consumer, and I never gave ANY CONSUMER REPORTING AGENCY DIRECT written consent to report anything on my consumer report, NO CONSENT is IDENTITY THEFT, pursuant to 15 U.S.C. 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. 

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing, credit capacity, character, and most of all the REPUTATION of consumers. XXXX XXXX has listed this account without my permission and written instruction. This is a violation of Federal Law pursuant to 15 U.S.C. 1681b. 

EQUIFAX, XXXX XXXX and XXXX XXXX XXXX XXXX is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not and as the original creditor only I can validate this Debt. I want these Illegal LATE PAYMENTS deleted from my consumer report. 
I am prepared to file suit against EQUIFAX for violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate, 15 U.S. Code 1681n - Civil liability for willful noncompliance and for violation of Regulation V. These three violations constitute a violation of The Consumer Protection Act. 
This false reporting by EQUIFAX constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these LATE PAYMENTS must be DELETED from my consumer report within 5 days.