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

Two times, from XX/XX/XXXX thru XX/XX/XXXX, a hard inquiry was placed on my personal credit file. First, by XXXX on XX/XX/XXXX, initiated by XXXX XXXX. Second, by XXXX   XXXX XXXX on XX/XX/XXXX, initiated by QUICKEN LOANS. Both instances involved repeated solicitations by both XXXX XXXX & QUICKEN LOANS, offering me lower mortgage refinance rates. I never gave either of them permission to run my credit and actually had a XXXX XXXX " customer care team lead '' named XXXX XXXX, agree to remove the inquiry via XXXX on grounds that they didn't have my authorization. I have saved email correspondences with signed agreements that they NEVER honored. I have tried to follow up with XXXX XXXX   via email to XXXX XXXX twice in XXXX, XXXX, but to NO AVAIL. QUICKEN LOANS is the most disturbing because I have an existing mortgage with them and they ran my credit without my authorization after soliciting my business thru repeated cellular phone calls. I asked them what interest rate I could qualify to refinance my existing mortgage WITH THEM for and they NEVER told me they were going to run a hard inquiry on my credit. I tried MANY times in the Fall of XXXX to have them reverse the inquiry and they were EXTREMELY RUDE and UNAPOLOGETIC. That's not the way to treat someone who is an EXISTING CLIENT and has a XXXX mortgage with your company! I am currently in the process of refinancing and having another bank buy out my mortgage from them. They will NEVER see my business EVER AGAIN. I only submit this dispute with you because I have XXXX credit and their inquiries have actually damaged my credit. I hope that these two companies will come to their senses and just GIVE UP their predatory & usurious conduct. This is not what this country needs right now. We need HONEST people helping eachother, not PREYING and damaging their economic viability. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The branch manager XXXX XXXX at Western Finance in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company Western Finance in XXXX, TX and their banking institution XXXX XXXX  XXXX XXXX, TX have made me, the victim, responsible for XXXX XXXX  passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX, 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 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 if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, GLOBAL LENDING SERVI add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX  XXXX  XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX, XXXX  XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXXXXXX XXXX XXXX / Reference # XXXX with XXXX, XXXX, and Transunion and in response they verified the item as accurate stating that have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Please delete.
Product: Credit reporting or other personal consumer reports

My chief complaint is the inaccurate reporting of XXXX XXXX XXXX XXXX bankruptcy on my consumer credit report. The year that it is reporting is outdated ( XXXX ) the other bankruptcy is from XXXX ( I changed my mind about proceeding ). I have contacted XXXX XXXX and kindly ask them to surpress my information from their database because they have been identified as a data furnisher. Also have contacted XXXX XXXX to have my information removed, to no avail nothing has been deleted. I even produced a notarized document from the federal court in XXXX Ga that deals with bankruptcies and it clearly states that the court does not have jurisdiction over credit reporting agencies so why are they reporting bankruptcies?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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

After challenging Experian on a inaccurate inquiry i do not recognize back in XXXX, of 2020. 

Inquiry : XXXXXXXX XXXX XXXXXXXX, i do not recognize this creditor. The company has not provided or extended any credit line or loan. as a result this inquiry has no permissible cause to report this account. Which violates federal law.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ Account Number : XXXX ] Equifax : [ XXXX, XXXX ] [ Account Number : XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, there has been incorrect address associated with my credit report. Below I have listed the addresses that have been incorrectly reported on my credit report. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX  XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Mortgage

The law firm assisting me with my mortgage issues, submitted a financial package to be reviewed for all options including, but not limited to a loan modification, XXXX modification and partial claim, and stand-alone partial claim. The financial package was submitted to PHH on XX/XX/2023. My law firm followed up with PHH on XX/XX/2023 and was told that a letter went out that they need XXXX pay stub dated within the last 90 days to make a complete financial package. They confirmed that once this document was received, the foreclosure would be placed on hold while my file was in review. 

I sent my XXXX most recent pay stubs ( even though they only requested XXXX pay stub ) to my law firm who emailed them both to PHH 3 times in pdf format on XX/XX/2023. My law firm followed up with PHH on XX/XX/2023 and the rep confirmed they received both pay stubs. 

My law firm followed up again with PHH on XX/XX/2023 and were told that the foreclosure was still active, that neither of the XXXX pay stubs were legible, and that they would need to be resent. My law firm confirmed with PHH that they were looking at the exact same PDF that they emailed on XX/XX/2023, which they confirmed they were looking at the same. I reviewed the PDF with my law firm that they sent to PHH and it is completely legible! Every word and number on the page is able to be seen without issue. If you zoom in, everything is even easier to read. My law firm explained to PHH that a PDF document doesn't change or become less legible when emailed so there is no way for it to be illegible to PHH and legible to the law firm and me. 

I sent my law firm my most recent pay stub on XX/XX/2023 and they emailed it to PHH 3 times that same day. When my law firm followed up with PHH yesterday, XX/XX/2023, they were told that the pay stub was received, but the file was still not deemed complete. They also said that a sale date is now set for XX/XX/2023 and they couldn't guarantee the foreclosure would be placed on hold or the sale withdrawn due to the sale date being within 37 days. 

This is completely unacceptable! I have attached the exact pay stubs that were provided to PHH back on XX/XX/2023. You will see that everything on the page is legible enough to make out all the words and numbers on the page. If you zoom in, they become beyond easy to read and see. My file should have been deemed complete and the foreclosure placed on hold no later than XX/XX/2023 as PHH said would happen. The sale date never should have been set! My hardship is over and I can afford my home and I am ready to get back to making payments.
Product: Checking or savings account

Please see the attached Letter to support my Inquire against Citibank for False representation to get reimbursed for the amount of {$1400.00}. due to contradictory information and negligence given by Citibank XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX, 2020, PNC BANK add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

Received letter from XXXX XXXX of transfer of servicing to Nationstar. Received letters from Nationstar on how to make payments to their company. Trying to make this payment was a joke. Kept transferring to a XXXX XXXX saying they had bought Nationstar. NO letters indicating of this transfer! We were concerned this was a case of fraud since we had not received any paperwork. Tried to make a online payment were going to charge us XXXX for making a payment. Tried going into XXXX XXXX using Nationstar loan number it does not exist. This is a mess having to go to the postal service to mail a payment and having it certified because I DO NOT TRUST THIS COMPANY. Also do they charge XXXX to speak to a rep as indicated on the paperwork! I 've never been late on a payment this is the worst servicing company!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent XXXX a complaint about unverified items in my credit report, and they failed to respond within 30 days on 2 separate occasions. Please see the attached letters for details. I have sent the company 3 separate letters and I am under the impression that as of the date of the last letter that I sent out, The 3rd letter was sent on XX/XX/XXXX. 

Before that date, the other 2 letters were sent on XX/XX/XXXX and XX/XX/XXXX. XXXX did send a card back saying that they received my complaint on XX/XX/XXXX, but they provided zero communication that an investigation was taking place regarding these inaccurate, unverified negative remarks in my credit report. 

I had similar issues with XXXX and Transunion as well, which I will share in attached files. For instance, XXXX originally removed an item that I disputed, and then they re added it ( See Figure XXXX in XXXX ). in a window of time greater than 5 days in violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii )
Product: Debt collection

The debt is very old Im getting letters from law offices. There was a class action and I was told I was cleared a couple of years ago. But Im still getting theses letters. 

{$11000.00} letter states it owed XXXX XXXX letter stating Im owed the same amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Ifoundoutthatsomeofmycreditreferencesarenotshownbuthavebeensubmittedandvalidatedwhilelookingoveranupdatedcopyofmycreditreport.Pleaseconductanotherinvestigationandsendmethecredithistoryasshownbythemerchant'sletterthatisconnectedtomycreditreport. The information on my credit profile below appears to be somewhat misleading and incorrect, so I am formally requesting that it be CORRECTED. In accordance with the Fair Credit Reporting Act, 15 USC section 1681i, you must complete your investigation within 30 days ; otherwise, you will be in violation, and the Federal Trade Commission may conduct an investigation : XXXX  XXXX XXXX Balance Owed : {$480.00XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1600.00}
Product: Credit reporting or other personal consumer reports

Originally reached out to company to dispute inaccurate data company, confirmed it was within FCRA, I supplied data stating account information was wrong with the credit bureau equitably XXXX and XXXX information came back verified and accurate gave them proper documentation stating my last date of activity was wrong and my opening date was wrong company has failed to fix information but instead sends me statements stating my account is mine and they originally closed my account due to negligence stating it was suspected that my account suspected the account was not mine I tried to keep my account but they closed it without letting me keep itll they failed to update my credit information so I would like this account removed from my report.
Product: Debt collection

Received a phone call attempting to collect a debt that is not owed by me.
Product: Mortgage

I applied for and was approved for a mortgage loan with a rate lock with no points good to XX/XX/XXXX. I have been waiting for my closing which was scheduled for XX/XX/XXXX, changed to XX/XX/XXXX and now XX/XX/XXXX. I received an updated loan disclosure stating that the rate has gone from 3.75 to 4.25 and I will be charged points. Even though the rate lock has not yet expired.
Product: Credit reporting or other personal consumer reports

Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit, which makes no sense. I told them that after being informed that this is fraud, they are supposed to help me according to all the FCRPA and other consumer laws. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. My bank accounts have been hacked and someone is getting credit cards in my name, and I need help removing these fraudulent inquiries as I continue to try to protect my credit.
Product: Credit reporting or other personal consumer reports

What Happened? 
I am filing this complaint against Equifax due to their failure to properly investigate and correct inaccuracies on my credit report as required under the Fair Credit Reporting Act ( FCRA ). Despite submitting a formal dispute with supporting documentation, Equifax has continued reporting inaccurate and unverifiable information, which is negatively affecting my credit profile. 

I formally disputed the following accounts with Equifax, requesting the removal of fraudulent accounts and inaccurate late payments : XXXX XXXX XXXX XXXXXXXX The late payments associated with this account are inaccurate. An investigation will prove the inaccuracy. I request the removal of negative payment history while keeping the account open. 
XXXX XXXX - XXXX The late payments on this account are incorrect. An investigation will prove their inaccuracy. I request their removal while keeping the account open. 
XXXX XXXX - XXXX The late payments on this account are inaccurate. I request the removal of negative payment history while keeping the account open. 
XXXX XXXX - XXXX This is a fraudulent account resulting from identity theft. An identity theft affidavit has been submitted, and I demand its immediate removal. 
XXXX - XXXX The late payments on this account are inaccurate. An investigation will prove their inaccuracy. I request the removal of negative payment history while keeping the account open. 
XXXX - XXXX The late payments associated with this account are incorrect. An investigation will prove inaccuracy. I request their removal while keeping the account open. 
XXXX - XXXX The late payments on this account are inaccurate. I request the removal of negative payment history while keeping the account open. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX payments on this account are incorrect. An investigation will prove their inaccuracy. I request their removal while keeping the account open. 
XXXX XXXX - XXXX ( Duplicate Entry ) This fraudulent account resulted from identity theft. An identity theft affidavit has been filed, and I demand its immediate removal. 
Despite citing multiple FCRA violations, Equifax has failed to : Conduct a proper investigation as required by Section 611 ( 15 U.S.C. 1681i ) of the FCRA.

Verify the accuracy of the disputed accounts.

Ensure compliance with Metro 2 reporting standards. 
Remove unverifiable or fraudulent accounts. 
If Equifax does not delete these inaccurate items, I intend to escalate this matter further, as their failure to comply with federal laws has had a detrimental impact on my financial standing.