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

I have multiple credit inquiries that I did not authorize. I have contacted Transunion,  XXXX , and   XXXX    to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX XXXX XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX  XXXX XXXX XXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have an account with AvantXXXX XXXX and I was recently a victim of fraud I was pronounced Deceased on XX/XX/2020 and someone wanted to file a death claim under my name ... That has since been corrected but however Avant the credit card company Closed my Account and Charged it Off, I have called them several times to tell them to please reopen my account that this was NOT my fault and it's ruining my credit which I try so hard to keep in good standings. On XXXX Credit bureau it shows up as a Charge Off and that is bad for my credit ... And Avant won't work with me to take it off ... Every time I call them they tell me they will send me and email or call me about this and they don't I have been trying to fix this issue with them since XXXX and still nothing.. Please help me resolve this issue before it ruins my credit, Thanks so very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts on my credit report.
Product: Student loan

I am a victim of identity theft and have notified the owner of the fraudulent loan, Discover Student Loans, regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Discover that I have not received any response to, and will provide a summary of my dispute below. 
A private student loan, account no. ending in ****************XXXX was obtained in my name without my consent or knowledge. When checking my credit in XXXX, I saw a credit entry for a student loan in my name with Discover Student Loans. I have never opened an account, obtained a loan from, or co-signed on any loan with Discover Student Loans. I have been attempting to notify Discover since seeing the entry on my credit that the account was not mine, and that I never signed or agreed to any such student loan. I sent the attached notice to Discover on XX/XX/XXXX notifying them of the fraudulent nature of this account, but have not received any response. 
As stated in the attached identify theft affidavit, I have not opened any student loans or co-signed for any student loans with Discover Student Loans, and the accounts are harming my credit and have caused worry, stress and hardship that has affected my quality of life.
Product: Debt collection

do not recognize this service was not myself who this service was provided for. my insurance covers all of my medical visits. so this is identity theft. or fraud.
Product: Credit reporting or other personal consumer reports

I do not owe this debt to XXXX  XXXX XXXX, it was a fraud check that was deposited due to a scam. They are reporting improper information on my Chexsystem report and I have tried over and over to resolve it I even tried a pay for deletion, I paid one but they did not delete off my report
Product: Mortgage

Our house was affected by the flood in XXXX, la on XX/XX/2016. We have flood insurance, filed a claim with our flood insurance provider, indorsed the check that was issued, and sent it over night to our mortgage company. The mortgage company advisors/employee 's advised that I was not able to self contract the work even though I have friends that are certified contractors who were willing to help me without charging. They stated several times, that I could submit a letter to corporate, but I was basically spinning my wheels. I have all paid receipts for the material, and have approximately XXXX % of the work completed inside of my residence. I would like to have an inspection, and the insurance money in which I have paid for to be issued to me and my fianc in order to replenish my bank account.
Product: Checking or savings account

On XX/XX/XXXX I did a transfer of XXXX to my XXXX account. On that same same I canceled the transaction due to to delayed and still haven't received my funds. Credit karma and their representative hangup on my 7 times in one day and will not give me back my money. It's been more than 30 days and still haven't gotten my money. This business is in bad practice of stealing your tax refunds.. I still haven't gotten my XXXX credit karma stole. Give me back my tax refund.
Product: Credit reporting or other personal consumer reports

Please find attached, along with two supporting attachments, my Formal Direct Dispute of Alleged Account No. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case OfXX/XX/XXXXXXXX ( formerly known as ) XX/XX/XXXX dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have received my credit report and noticed some inquiries that I did not recognize or gave any authorization for these lenders to pull my credit. SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I am not connected to the mentioned creditors.
Product: Debt collection

Medicredit keeps calling and harassing me for a bill of {$970.00} that I know nothing about
Product: Vehicle loan or lease

I leased a new vehicle XX/XX/XXXX. I still to this day did not get copies of original documents I signed. I wanted a 3 ( three ) year lease. I was given a 4 ( four ) year lease. Plus there are extra charges on the lease I dont agree with,
Product: Mortgage

I am the seller of a home in New Mexico. I was charged a client fee of {$75.00} which was added to an appraisal charge of {$450.00} for a real estate transaction. I agreed to pay for the buyer 's appraisal, but not additional fees added on by the Mortgage company. When I questioned the mortgage broker about the extra charge she was very rude and refused to explain why that fee was added.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute and bring to your attention violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following accounts : XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX & XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, my rights have been infringed upon in the following ways : Right to Privacy : Under 15 U.S.C. 1681 ( a ), I have the right to privacy concerning my credit information. However, it has come to my attention that the above-mentioned accounts have mishandled my personal information, violating my right to privacy as outlined in the FCRA. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. Each of the aforementioned accounts has reported information to credit reporting agencies without obtaining such instructions from me, thereby violating this provision of the FCRA. These unauthorized disclosures have caused significant distress and potential harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against the responsible parties to ensure compliance with the FCRA. Enclosed, you will find copies of relevant documentation supporting my claims, including credit reports, and any correspondence with the respective account holders. I appreciate your prompt attention to this matter and look forward to a resolution. Should you require any additional information or clarification, please do not hesitate to contact me at the contact information provided above. Thank you for your assistance in protecting consumer rights under the FCRA. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transunion are reporting inaccurate information on my credit reporting. A collection account that I did not 1 ) authorize 2 ) I have no idea who the debt collector is 3 ) I never signed any papers with XXXX XXXX for them to sell any debt to XXXX XXXX XXXX. 

Acct # XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/2022 I woke up to find an unexpected transaction in my XXXX account for {$530.00} which was exactly the balance I had in my XXXX checking account. My Money Lion XXXX account went into my XXXX checking account without my authorization and withdrew these funds. 
I contacted both XXXX and XXXX but neither of the. seem to get ihat this was done not only without my permission but I had no prior knowledge that this was or could even happen.
Product: Mortgage

In XX/XX/XXXX my client, the buyer, had entered into a real estate contract, with a seller, that was a short sale transaction with Nationstar mortgage. The deadline to complete the transaction was XX/XX/XXXX. We were not able to reach the deadline but, the agent, that represented the seller, later informed me that the short sale negotiator was extending the date in order to complete the transaction. This resulted in the need of a new payoff because we were now entering a new month by XXXX. So we set a settlement date to close on XX/XX/XXXX. But, on Friday, XX/XX/XXXX, all parties were notified that the seller 's house a been sold to an investor on the auction block. This left my buyer XXXX with no explanation. The seller 's agent talked to the trustee for Nationstar to see if they would rescind the offer with the investor, but they refused. Prior to this foreclosure sale, no parties were notified. ( Seller, HOA, Title company or Seller 's agent ). My client and I are seeking assistance to receive a clear explanation on how something of this nature could occur. Please help. Thank you
Product: Credit reporting or other personal consumer reports

In 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 inaccurate.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting to my credit for a long time with inaccuracy repeated charge - off reports, this account 's is inaccurately reported with monthly charge- offs, potentially re-aging the debt illegally. This constitutes a clear violation of 15 U.S. Code 1681e ( b ), also Omission of account transfer/sale information. The failure to report the transfer or sale of the account misrepresents its status, in violation of 15 U.S. Code 1681s2. Remove the following XXXX  XXXX accounts immediately as they are hurting my credit. 

Account XXXX Balance {$4500.00} Credit Limit {$3500.00} Passed Due {$4500.00} Charge off {$4400.00} Balance was charge off Payment history is not accurate Balance was charge off reported as still outstanding balance, account was transfer to collection agency Payment history is not accurate Account XXXX Balance {$3700.00} Credit Limit {$2700.00} Past Due {$3500.00} Charge off {$3500.00} Payment history is not accurate Balance was charge off reported as still outstanding balance, account was transfer to collection agency Payment history is not accurate
Product: Credit card or prepaid card

My compliant is regarding American Express and XXXX XXXX. I received an email invite on XX/XX/XXXX for a American XXXX XXXX Credit Card. I have been receiving this offer for sometime as my family flies XXXX a lot. It offered 12 months introductory period at 0 % APR on purchases and so I applied after some delays i was approved on XX/XX/XXXX. The account was opened XX/XX/XXXX. ( I still possess all the invitation email stating clearly 0 % APR for 12 months and it is attached ). I got the card in the mail and the was no interest on my statement for XXXX the first month, so i thought everything was fine, i notice late XXXX that America Express had charged me interest for XXXX and XX/XX/XXXX, so i called the customer service immediately and i was told they would look into immediately and have everything fixed. American Express and XXXX have not looked into it as i was still charged interest in XXXX of XXXX. This is wrong and I would like American Express and XXXX XXXX to Honor the terms of the Card i applied and approved for, 0 % APR on Purchases for 12 months.
Product: Mortgage

Good afternoon, I have had a mortgage with the loan servicing company XXXX XXXX for the last five years. Paying on-time, no overdue drafts, even looked at getting cash to cover some home repairs a year ago. Now I get a notice right before the start of XXXX telling me that my mortgage is being sold. I'm looking into the new company, NewRez LLC that apparently is based in Pennsylvania but yet the correspondence goes to South Carolina and the payments to XXXX, TX? I have looked at reviews ( check out the XXXX giving them an A+ rating with XXXX negative reviews and XXXX positive reviews ). I'm sickened, frightened, and worried about the predatory practices that my mortgage has just been sold to. Why don't I have a choice in this process? I'm a good customer, paid when asked, and kept up to date. I'm absolutely dumbfounded in this process and worried as XXXX that is not going to be the case. There's also allegations of running people out due to run arounds on payments received and running people 's mortgages up because they are not paying on-time. I can not live under that umbrella of worry. I am going to call XXXX XXXX tomorrow and give them the business, but please, please, please look into this company. It appears to be a giant sham of a company and treats homeowners terribly.
Product: Credit reporting

I disputed the fact that a Chapter XXXX bankruptcy that I filed XXXX and was dismissed on XX/XX/XXXX should no longer be reported on my credit report. The laws clearly state that ChapterXXXX bankruptcy will remain on your credit report for 7 YEARS from the date filed, which it should have been removed XXXX. I XXXX disputed this in XXXX, with Equifax. Equifax reported that this bankruptcy was mine and verified XXXX. As of today it is still on my record. XXXX XXXX and XXXX did remove the bankruptcy XXXX. I again disputed with Equifax in XXXX about the bankruptcy, and again they claimed it was verified as accurate. After talking with a customer service agent with Equifax, they informed me that I had to call the bankruptcy court and dispute the record. On XX/XX/XXXX I called the court, and they advised me that they do n't report anything to the credit reporting agencies and that I needed to consult with an attorney. Nevertheless I 'm getting tired of the run around and the time its taking to resolve this. Especially when the XXXX other credit reporting agencies have since removed the negative information from my file.
Product: Mortgage

On XX/XX/21 I paid a single upfront premium at closing for our PMI of {$2800.00}. Since closing i have paid all mortgage payments on time. On XX/XX/21 I made a {$22000.00} payment towards my principle to so that our LTV was at 80 %. On XX/XX/21 I submitted a request to cancel our PMI and request a refund for a prorated amount of the prepaid PMI premiums. On XX/XX/21 I received a response to my request and that a PMI cancelation authorization form would be sent via mail. After waiting a few weeks, i reached out to Newrez 's customer support to inquire when i would receive this letter in the mail. I was first told that they would research and to call back in 5 business days. When i called again, i was told they would resend the letter and to call back in 5 days. After some additional attempts, on XX/XX/21 i was told that the PMI was canceled but that i was not entitled to a refund because the Mortgage Insurance Certificate labeled it as " Non-Refundable. '' After more research on the Homeowners Protection Act, i called again on XX/XX/21 to dispute their finding, and spoke with XXXX, and then XXXX telling them I never received a formal letter rejecting my cancelation request, or received the PMI cancelation authorization form mentioned in their initial email response. XXXX said that she would put it in for additional research and that they would send me a letter within 7-10 business days. On XX/XX/21 i still had not received a letter or other response from Newrez and called them. I spoke to supervisor XXXX XXXX and again expressed my frustration and that i believe that who ever is reviewing the request is not appropriately applying the Homeowner 's Protection Act and the return of the unearned premiums. I asked to speak to someone in that department but was told that was not possible but that she would try to connect with that department and explain what was happening. She also gave me her contact information. On XX/XX/21 i received an email from their loan servicing department stating that the cancelation note was an error in their system and that the MI Certificate was a single premium paid upfront for the life of the loan and with no refund option. And that even if the XXXX carrier allowed for the cancelation, that i would not be entitled to a refund. There was no option to respond to this email, and when i called the number provided to me by XXXX XXXX, i received a busy tone. Again I feel that they are not properly applying the Homeowners Protection Act when reviewing and evaluating my cancelation request. I am filing a complaint with the CFPB as i do not feel further attempts to communicate with NewRez 's customer service will achieve different results.
Product: Credit reporting or other personal consumer reports

My right to privacy is being infringed upon by Innovis. This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX and XXXX after I have instructed them to cease in doing so via an opt-out notice.
Product: Debt collection

Me & my fiance were contacted by a collection agency yesterday afternoon, and feel we were treated unprofessional, inappropriate, & the issue was not taken care of. We felt uncomfortable releasing personal information about ourselves over the phone first of all. Second, the case workers were very reluctant to give us information on how or who we can contact in order to resolve the problem. Overall we feel that we could have been treated more professional.
Product: Credit reporting or other personal consumer reports

I RECENTLY BEEN DENIED CREDIT BECAUSE OF THE FRIVOLOUS INFORMATION THATS REPORTING ON MY FILE. I REALLY DONT UNDERSTAND HOW ARE THESE ITEMS REPORTING WHEN INFACT THEY WERE NEVER TAKE OUT. IT IS MY RIGHT AS CONSUMER AND A CITIZEN TO FIGHTAND REACT TO ANY XXXX  WAUTHORIZED INFORMATION REPORT ON MY FILE. I KNOW BY LAW THE CREDITOR HAS 30 DAYS TO RESPONSE ANY CLAIMS REGARDING THIS MATTER, BUT I AM GOING TO ASK THE BUREAU TO SPEED UP THIS PROCESS AND REMOVE THESE MISLEADING INFORMATION OFF MY REPORT BECAUSE ITS HURTING MY ABILITY TO OBTAIN CREDIT. THE FEDERAL TRADE COMMISSION WILL BE NOTIFIED IF THESE ITEM ARE NOT BE NOTIFIED IF THESE ITEM ARE NOT DELETED WHEN THE RESULTS COME IN YHE MAIL. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I have some late payments on an account that I was never late for. Consumer reporting agencies have assumed vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I havent been late on my on payments for the account ( XXXX XXXX XXXX, account number XXXX & XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be upgraded to on time as they should be as I was NEVER Late. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I did an International wire transfer of {$4000.00} USD through my chase bank account to an Individual name XXXX  XXXX XXXX, who resides at XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX, XXXX XXXX XXXX, XXXX and phone number is XXXX. XXXX has my {$4000.00} USD and refused to return it. He claims to be a business person selling cars and registered with the XXXX dealing with such activity and yet i have not received the car nor my money. I've tried to reach his business and no success. I contacted CHASE BANK to assist but no vain ACCT NUMBER XXXX TRANSIT NUMBER XXXX INSTITUTION # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed unrecognized hard inquiries on my credit report which are capital one on XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Capital One XX/XX/XXXX XXXX