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

There is an unidentified inquiry to XXXX XXXX made on XXXX ( overnight ) for a credit card with 0 months repayment terms that I did not make. XXXX is not seeing the report on their end, but it is clearly showing as a hard inquiry on my XXXX account affecting my XXXX  score. 

There is also another hard inquiry to Bank of America on XXXX that is showing as " unspecified ''. BofA also shows nothing on their end, but again, this is impacting my credit as a hard inquiry. 

My XXXX XXXX XXXX  account was hacked as well and there were two separate orders for around {$8000.00} dollars made by someone in XXXX Texas. This has been resolved with the store and the charges are being reversed. Address for the delivery of these items to the person who made the charges is XXXX XXXX XXXX, XXXX in XXXX XXXX TX XXXX and the phone number this person provided is XXXX My XXXX XXXX XXXX were also stolen and used to make Hotel reservations at the XXXX XXXX XXXX XXXX Alabama XXXX Guest name given on the reservation is XXXX XXXX. I have reported this to XXXX XXXX fraud department and they are sending a report for me to complete later today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Transunion Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me with legal documents that certify that they have investigated my concerned account lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are big, fat liars! You claimed that you verified this account but provided no documents. I haven't heard any response from Transunion and it made me lose my patience. They have violated Sections 605B and are also in breach of Sections 616 & 617 for willfully noncomplying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the account in question. Below, is the account they should DELETE from my file : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information on them, and the company did this without my authorization.
Product: Mortgage

I was misdirected to sign loan documents. Now they are holding the money and I am paying interest on it.
Product: Debt collection

In XX/XX/2011 I enrolled in XXXX University and to cover tuition took out approximately {$6800.00} in federal student loans ( loan information attached ). In XX/XX/2011 I withdrew from the University ( withdrawal confirmation attached ). I recently received notice that the tuition amount, despite being covered by Federal student loans which I am paying, was sent to collections and is attempted to be collected on by a collection agency ( see attached credit report ). Not only is this debt illigitimate, it is being incorrectly reported on my credit report for a much higher amount as well as an incorrect date.
Product: Money transfer, virtual currency, or money service

Unauthorized transaction on Cash App card. I tried to address this with cash App and they haves refused to clear up problem. Their response is that I must have done it. The amount in dispute is only {$20.00}. However, whomever, accessed my account my try to get more cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Mortgage

I will sum up the issues with a short detail paragraph however if someone can contact me directly at XXXX. I would like to further explain.This letter explains the issues with the Ocwen who is now under the name PHH mortgage services. We were current on our loan however do the Ocwen who keep sending our payments back over a several times for months cause our bank account overdraft fees and more. Please see payment history were this is the second time this was done which is the cause for our defaulted payments. We would send our payment they would then send them pack indicating our bill was over 90 days behind which wasnt true. I explained to them that payments was sent and received by them now why their processing team process the payments later was not our issue. However they continued to send our payments back with out reading the notes on the account. Which cause our accounts to be thrown off repeatedly in fees we couldnt continue to pay and pay our mortgage and along with their late fees they want to keep applying to our loan. Please review payment history and notes on the account reference the dates. And review dates on payments copies. I also have certified mail as to when they received the payments as well. 
Note this is the same they did when we first sent a request for loss mitigation help. They keep saying the income was not readable. But again that was a internal issues that they put on us as the mortgagor. Because we not only emailed the information its was certified mail to PHH and the law office of XXXX XXXX  XXXX  who also sent it to them as well and it was faxed. So I had to fight this fact that the imaging not clear was on the department that was scanning them in. We are looking to seek a class action suit against PHH/ Ocwen for  misrepresentation on our loan. 
Currently right now my loan is under a appeal for review of a loan modification denial. I have several questions regarding if their decision. However they have not requested any type down payment of payments in order to obtain a modification on our loan they just denied the loan request. However they have not offered a forebrance at all. In the mean time what has taken place was they have schedule a sale date without providing us with a answer regarding our appeal. But under their guide lines if we want to apply for any other loss mitigation programs after we received their decision they have strip us of our 30 day time period by rescheduling a sale date while we are still under review. What they have said that if its ' approved then the date will be stopped. But if its not approved then they will go thru with our sale.And we will not be able to apply for any other loss mitigation option example a short sale, Because those would have to be applied 30 days prior to the sale date. While under view your not able to apply for any other loss mitigation either. Please explain this under the law how this is lawful of the servicers to conduct business. Its like they have already made a decision by setting a sale date already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for XXXX  to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to Consumer Affairs Office in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because XXXX refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by XXXX. Please block and remove these fraudulent accounts within four days : 1.CAPITAL ONE / SAKS F  | XXXX Balance : {$3000.00} 2. CAPITAL ONE / NEIMAN | XXXX Balance : {$3400.00} 3. XXXX XXXX | XXXX Balance : {$1400.00} 4.  XXXX XXXX  | XXXX Balance : {$8600.00} 5. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7. XXXX/XXXX XXXX XXXX XXXX  | XXXX Balance : {$5000.00}
Product: Money transfer, virtual currency, or money service

Since XX/XX/year> Coinbase XXXX has had my account under review. Finally in XXXX after multiple contacts I was able to provide all the documents asked my them. Their response since then has been XXXX business days. Its XXXX now and I have not been able to do the following : 1. Trade - sell/buy crypto XXXX XXXX Withdraw my money from coinbase XXXX. Track where my recurring bank transfer which is failing automatic purchase, is being held Contacted customer agent via phone and XXXX support with same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 late payments on my credit from Nissan acceptance Corp regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have Nissan acceptance Corp correct this mistakes. My name is XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting  documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Product: Checking or savings account

On.XX/XX/XXXX I sold a car to an individual. They wanted proof of purchase so she asked to meet at Chase Bank to get a Cashier check. She went inside bought check and gave it to me. I then went in to cash it they said I need to deposit it ( I wanted cash ) so u tried to mobile deposit thinking I would have access to the funds immediately, and it said I would have to wait 1-2 days so I then went back into the bank and told them what I did. They assured me that the check was canceled and that I could deposit it with them and have access to the funds XX/XX/XXXX. I have yet to receive the check. They are telling me to contact the person that gave me the check, which I did. They are still sending me in circles.
Product: Debt collection

The company, National Credit System has illegally reported and demand debt collection for an amount of debt they have not legally informed or verified with me. I've sent certified debt validation letters on XX/XX/2020 for the company to send specific requested documents within 30 days of the date on the letters. I also advised the company that failure to do so within 30 days or failure to mail all requested documents will legally force them to remove those debts from my credit report at once. The company has failed to respond and has not provided validation as of today XX/XX/2020, which is well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I received a phone call from XXXX XXXX at Credit Associates of Hawaii, a company I was unfamiliar with. I called back and was told I owed a debt that I did not know I owed. XXXX said she would forward me the information. Our conversation did not contain 1006.34 ( c ) ( 2 ) information or even all of 1006.34 ( c ) ( 1 ) information. 

A few days later, I received a letter postmarked XX/XX/2022 that did not follow 1006.34 ( c ) ( 3 ). Then I received a letter postmarked XX/XX/2022, but dated XX/XX/2022 enclosing an accounting of a debt with which I was not completely familiar. I assumed the company was not legitimate. 

On XX/XX/2022, I received notice that the company had sent derogatory marks to the credit bureaus despite not having sent confirming notice. I called on XX/XX/2022 to speak with XXXX about coming to a resolution/payment agreement and also about removing the mark as they had not followed procedure. She told me she could not do that. When I asked to speak with someone who could, she said she would have someone contact me, but I was not able to get a name or timeframe for that call. 

I would still like to negotiate a payment plan and have the mark removed.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and Im unsure of its origin. I check my credit report regularly, but this discrepancy appeared out of nowhere. I attempted to refresh my browser, hoping it was a temporary issue, but the inquiry was still there. This situation is causing me significant frustration, and I need the documents I submitted to be thoroughly checked to resolve this matter permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting late payments to XXXX XXXX Experian for XX/XX/2021 and XX/XX/2021 meanwhile all the payments on time sending screen shot of credit report and bank statement. XXXX service agent i spoke to her XX/XX/2021 at XXXX and she couldn't help did not understand the problem.this company doesn't have service for automatic payments every month and they charge you for calling in and making payments.
Product: Mortgage

XXXX XXXX I complained to the OCC & Dept of VA about the miscalculation of the escrow account that Wells Fargo Bank preformed. I continued this complaint and was told by XXXX XXXX of the OCC customer service dept in XXXX XXXX, that the information I had given was going help a lot of people. Unbeknownst to myself that Wells Fargo Bank entered into a secret agreement with the OCC for miscalculating the escrow accounts of all the HAMP, FHA HAMP & VA HAMP request. 

Wells did not did not correct the problem and as with my property that did not have a Wells Fargo Bank mortgage, was made to look as if it did with a forged Assignment of Deed of Trust created by XXXX XXXX XXXX head of Foreclosures attorney XXXX XXXX that moonlights as a Assistance Secretary for XXXX. 

Wells Fargo Bank admitted to not owning my loan, and the fact is Wells Fargo does not own any of the XXXX XXXX XXXX XXXX Bank ( XXXX ) that it was servicing. I complaint to the Dept of VA and HUD started a investigation on XXXX XXXX, XXXX were Wells was still acting as if they were the lender of the loan, as XXXX died on XXXX XXXX, XXXX without having a claim to the XXXX XXXX loans and this is part of XXXX 's % XXXX XXXX loss. 

The OCC just did not come to the understanding that Wells Fargo Bank was miscalculating the escrow accounts and as a former Wells Fargo Bank prime/government mortgage loan officer I knew how these calculations worked and knew that the insurance and taxes changed as the housing market collapsed.
Product: Debt collection

They are calling both my mother and I about a debt saying I was going to be arrested and its being sent to the courts
Product: Checking or savings account

On XX/XX/22, I signed up for a bank account with XXXX. I clicked through my son 's referral link, stating we would both earn {$150.00} after : -Receiving a qualifying Direct Deposit of {$200.00} or more every 30 days for 90 consecutive days.

-Spending at least {$100.00} or more on the debit card every 30 days for 90 consecutive days The attached " XXXX '' shows the requirements for receiving the bonus. 
The attached " XXXX & XXXX '' shows the terms & conditions, governing qualifying debit card spend and direct deposits. 
The attached " XXXX  '' shows that I've met these requirements within the terms & conditions. 
The attached " XXXX '' shows that the referral successfully tracked. 
The attached " XXXX '' shows that their system has failed to successfully tag my employer 's direct deposits as legitimate. 

I reached out on XX/XX/22 about receiving the bonus, and received a canned response, shown in " XXXX XXXX Despite all of this I'm receiving an apathy toward researching the matter. I'm hoping by filing this complaint, that the issue can be taken seriously, and that my son and I can receive our bonuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX is reporting me again now 120 days late and Im not. I am on a hardship program and the payments are ACH out my bank account every month on the XXXX. They keep reporting me late and its damaging my credit along with XXXX XXXX! 
My CREDIT IS RUIN BECAUSE OF THESE TWO BANKS!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 {$110.00}, XXXX XXXX XX/XX/2022 {$2900.00}, XXXXXXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022.
Product: Payday loan, title loan, personal loan, or advance loan

Hi, So I got behind at times with my loan and missed payments were rolled to the end of the loan. Recently I noticed my payments were not reducing the principal and XX/XX/XXXX and XX/XX/XXXX was paid 100 % to interest and nothing to the principal. Subsequently other payments had varying amount reflected to interest and principal which could not be calculated per the interest on the loan. 

I called to discuss on XX/XX/XXXX and the representative provided no helpful information and was not able to answer any questions. 

Any help would be appreciated. 

Thanks, 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 Discover Bank has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A Creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I been a capital  customer for some years now. I have a 360 checking account and several credit cards. I recently made a deposit for a refund check from XXXX XXXX. The deposit is in the sum of {$4900.00} and for reasons unknown to me capital  has decided to place a hold on my checking account. Note, that I said account and not the funds for the check in question. Even after having contacted capital one about such an issue and waited in line as well as been transferred several times. Capital one has engaged in some form of questionable practice which involves placing a hold on a person account and not offering any explanation for such action.Last, in the time I have managed all my capital one account as always I am yet to overdraw my checking account or made a single credit account payment late.However, such an action has not shield me from such a questionable practice.
Product: Mortgage

Lender refuses to provide a loan history. I requested it orally multiple times, and in writing several times. They refuse to provide. As one of their excuses, they claimed they provided a statement one and a half years ago and do n't need to now. Another excuse they use is they did n't recieve the fax, though it was faxed multiple times, with confirmation, to the various numbers they provided. Each time, they say they wo n't respond to an oral request, and refer me back to the fax request process that I 've done multiple times.
Product: Debt collection

I did payment  XXXX  last  spring  but after that since. They supposed to send to me another bill left is {$110.00} balance. I would like to pay off this  XXXX  as soon. Also, I need they send to me bill for Wakefield by   XXXX   XXXX   XXXX     {$170.00} as soon. I can pay off this {$170.00} because my credit score will go up. When I get this both bill then I can pay off. I will be happy. Also, I am trying to look old collect and I can small payment to complete. Please let me know as soon.
Product: Credit card or prepaid card

Citi Cards initially advised my XXXX 2017 payment was never paid. I received a letter stating now it was received, but was 30 days late. This is false. Company is refusing to take responsibility and remove these late payments. I have never made a payment outside of 30 days. I would like to know what other federal regulation agencies that I can contact to finally get to the bottom of this issue. 

THIS IS A NEW COMPLAINT, WHICH ADDRESSES THE CLAIM THAT I WAS 30 DAYS LATE.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to let me make payments and incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX Equifax Mortgage   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am calling about a discrepancy on my credit report with the following company XXXXFortiva They have updated the report like they received payment and when I called the company and spoke with XXXX XXXX. She said that I am in bankruptcy and they can not remove the account. I explained to the lady that I am not in bankruptcy and was trying to settle to get the information removed from a credit report. I was unable to get any resolution for them. This is preventing me from getting a mortgage so I want the account removed from my credit report. The account is 6 years old.