23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

i just recieved my credit report and noticed unauthorized items that shouldnt be on my credit profile for my Experian report
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX XXXX as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with XXXX that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to transunion, XXXX  and XXXX with no corrections being made. I've filed a complain with the XXXX and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.
Product: Debt collection

On XX/XX/XXXX A Collection From National Credit Systems Was Added To My Account In Collections For XXXX XXXX XXXX In The Amount Of {$1100.00} Ive Spoken To Someone From XXXX XXXX XXXX XXXX Came Up With An Agreement For A Settlement In The Amount Of {$800.00} & That Settlement Was Paid On XX/XX/XXXX As Time Went By I Disputed The Collection Because I Didnt Want It To Show On My Report On XXXX Of XXXX The Same Month They Put It Back Into Collections As If I Owe Them Still I Have Proof Of Payment & When Payment Was Made I Also Have Confirmation From There End
Product: Credit reporting

I submitted a form through XXXX XXXX and wound up wit hard credit inquiries by XXXX. I wrote XXXX a letter via US Post and asked them to provide any form of evidence that I authorized multiple credit pulls by their company. They refuse to provide me with any sort of documentation showing that I authorized a credit pull. I am asking for your organization to compel the XXXX major credit reporting agencies to delete any credit pulls by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020 I sent a certified letter to XXXX, XXXX, and TransUnion regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XX/XX/2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies XXXX, XXXX, Transunion ( XXXX XXXX XXXX-XXXX XXXX ), XXXX XXXX ) ( XXXX-XXXX XXXX XXXX ) ( XXXX XXXX-XXXX XXXX XXXX ) Thanking you in advance
Product: Checking or savings account

On XXXX XXXX2022 we inquired regarding a property listing with address XXXX XXXX XXXX XXXX XXXX XXXX, CA. Thar same day we were contacted by a suppose owner stating information on property. He sent over an application we filles it out. On XXXX XXXX2022 we received an email stating we had been approved with an attached doc. XXXX XXXX letter signed by the landlord. We sent over $ XXXXas it was requested for downpayment to lease home. He was asking for XXXX, but we asked for bank account information to wire or transfer. He sent over following bank info. Account name : XXXX XXXX XXXX ROUTING # XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. We felt secured sending these funds since we were banking with the same financial institution, and we were told by clerk it was safe. We Sent {$5100.00}. We were frauded out of our money the property didn't belong to this person. We made contact with XXXX XXXX XXXX # XXXX email XXXX. I filled a police report with the XXXX Police Department with case # XXXX. I made a dispute with Bank of America XXXXXXXX XXXX2022 claim # XXXX2022-XXXX. Received mail dated XXXXXXXX XXXX,2022 saying they couldn't recover funds. Even though proof was presented. Of Fraudulent activity. Aside from my money my other concern is how is bank of America letting people open account to scam its costumers.
Product: Mortgage

I placed a complaint about my mortgage not being on my credit report and after filing a complaint with CFPB they finally put my mortgage on my credit report which shows that a payment was made in XXXX of this year but nothing else. They have put a not in the comments of the mortgage stating that I disputed the mortgage and that it meets FCRA requirements. I'm not sure why Mr. Cooper or XXXX XXXX as it appears on my credit report doesn't get updated with my payments and account balance. I called them on XX/XX/year> to try to get answers as to why nothing has really been reported to the credit agencies other than XXXX payment from XXXX and a stagnant account balance that shows not movement what so ever on it. The first call ( XXXX XXXX  ) the lady listened to the my question and then just hung up on me. I called back at XXXX and as soon as someone picked up the line they hung it up. I then called back at XXXX XXXX  and started speaking with another account representative and then they just hung up on me. I didn't have any say so who my mortgage was transferred to but I sure have to live with whomever made that decision. My credit score has suffered because of what Mr. Cooper ( XXXX XXXX ) is doing with my account. I submitted all of the requested court documents to them to prove that I reaffirmed my loan after a XXXX  XXXX bankruptcy and they are still trying to get out of reporting my mortgage payments. I don't feel that I am asking for much just a fair reporting of my credit history. I have attached screenshot of what is showing on my credit report concerning my mortgage. Although my mortgage has an age of XXXX yrs you will see in XXXX of the screenshots that I attached that my oldest account is XXXX years.
Product: Debt collection

The branch manager left me a very mean voicemail message which said " XXXX, this is XXXX. You lied to me. '' ... I was stuck at work and not able to leave. I am distraught by this. 
I have a copy of this very mean voicemail.
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, wich violate the consumer financial protection act ( CFPA ), Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Lastly, I want to add this is where I get my direct deposits, making it more prone to financial loss. Which has happened before with very little done.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Mortgage

Hello, I am the owner of single family residence XXXX XXXX XXXX, XXXX XXXX, CA XXXX recently purchased on XX/XX/XXXX loan number with GEM is : XXXX While in the process of purchasing the property GEM Provided an internal appraisal which appraised at asking price which seemed peculiar because I thought you needed to have a third party to do an appraisal -- I did not put down the full 20 % down. PMI was added to the mortgage payment at a cost of around {$200.00} per month. Since purchasing the property I have remodeled and upgraded the inside of the entire house, adding safety, efficiency, modernization and green improvements that make it more valuable than when I bought it. 

I have been in contact with GEM Mortgage ( GEM ) because, given the increased values with comparable sales owning the property for more than a year with no derogatory marks on my account -- I pay the mortgage on time with automatic payment. I bought a XXXX from an outside source with a report that the value is worth {$720000.00} last year. The property now qualifies to have the PMI removed since the value of the house and those around me have gone up in value and now equity exceeds threshold for requiring PMI. 

In XX/XX/XXXX I asked GEM to remove the PMI and they said I need to obtain a Broker Price Opinion ( XXXX ). GEM through email said they will have XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX to conduct the XXXX. I was contacted by XXXX to schedule a viewing of the property and send her a list of the XXXX done to the property. I sent the XXXX spreadsheet I made to her multiple times to her email ( XXXX ), because she said she did not receive it. I also had a colleague send the spreadsheet to her and I also sent the same spreadsheet to GEM as well. Upon arrival for the in person BPO with my colleague XXXX had no XXXX spreadsheet stating she did not receive the expense sheet and she will do a quick walkthrough. I requested from GEM a detailed explanation from XXXX. In the report she did not consider all the work that has been done to the property. I did a complete remodel of the entire house including both bathrooms which she did not mention. XXXX I got a letter stating that GEM concluded that based off the XXXX that the valve of the house did not qualify removal of PMI. I requested that I get a detailed explanation of their valuation since it came in so low. On famous websites like XXXX, XXXX the average value of the home comes in at {$770000.00}. I also recently applied for a HELOC for the property and I have a quote done with a BPO with a value of my home at {$780000.00} -- which I have. I have my credit card statement reports and receipts for all the materials I have bought, a summary of all the labor I have done and supplied both XXXX and GEM with details of the remodeled house between XX/XX/XXXX through XXXX XXXX. 


With the value of the house and the improvements I have made I qualify to have the PMI removed. If GEM would like another XXXX issued I would like it to be an outside 3rd party to do the XXXX and move the process along to get removal of the PMI I HAVE MORE PHOTOS OF THE PROPERTY IF YOU NEED MORE PLEASE CONTACT ME Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion are reporting negative information that I never consented to this defamation of Character. Remove these from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran a credit report a the experian credit report showed theres a collection from a company where it states I owe XXXX dollars to an account opened in XXXX XXXX. This is not possible because I was on XXXX and out of the country around that time. I did not open any accounts with the company that made the erroneous report. I filed a dispute with Experian and after around 2 weeks, they deemed their report as accurate saying that the company stated I have an account. This is not accurate. I have never opened an account wherein I have a collection made against me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several credit inquiries on my credit report that I did not authorize. These inquiries are affecting my credit score and do not reflect any credit activity initiated by me. I am a victim of identity theft, and these inquiries were made without my consent. 

Below is a list of the unauthorized inquiries that I have identified on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX XXXX XXXX  Account # XXXX - XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # XXXX - XXXX XXXX  Account # XXXX 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX Has been asked to provide a signed verification that debt belongs to consumer and has been unable to do so upon request. When asked to investigate issues XXXX XXXX XXXX XXXX has refused to on multiple occasions XXXX XXXX XXXX XXXX has failed to pride a FULL account number for verification and debt disputes and has failed to provide any proper verification. When contacted XXXX XXXX XXXX XXXX was unable to verify account and began asking user for personal information. XXXX XXXX XXXX XXXX Has violated FCRA consumer rights by reporting invalid account, providing no means to properly dispute, providing a false account number in credit file, and leaving a account as open to further harm credit.
Product: Consumer Loan

I had a car loan with Onemain Finance and was buying a new car using XXXX XXXX XXXX XXXX XXXX as the new lender. I called the one main branch where my loan originated and had them provide me with a payoff on XXXX they quoted me {$3600.00} and advised me as long as I paid it off on or before my next due date ( XXXX/XXXX/2015 ) the payoff would be the same. On XXXX XXXX XXXX XXXX XXXX XXXX paid Onemain Finance {$3600.00} and Onemain posted the payment XXXX/XXXX/2015. I thought everything was taken care of and I just needed to wait in my title to my old car that was paid off. I received a bill in XXXX stating I still owed Onemain money. Thinking there must be a mistake I called and they told me that I still owed {$1000.00} and in order to pay the loan off I could pay {$120.00}. I tried to plead my case but the branch was very rude and told me that if I did n't pay the {$120.00} by XXXX/XXXX/2015 then I would be responsible for the {$1000.00}. I 'm an elderly and did not know what to do I 'm on a fixed income and after paying my bills I did not have the funds to make the payment. I gave Onemain permission to speak with my son hoping he could work out a resolution. He called the branch and spoke with the branch manager XXXX XXXX who was again very rude and abusive. She told my son that the payment was not posted in time and had no explanation for why the payoff would change {$120.00} from the time I called or why the payment was not posted sooner. I have done business with Onemain for several years and have always paid them well before my due date and I always paid more than the regular payment. My son ask if they could assist with waiving any fees or helping and she replied that 's not how the do business screaming at him. My son told XXXX that we would be contacting the CFPB to file a complaint and she replied that Onemain is a large company and that one complaint would not make a difference. I am a honest and careful person and treat everyone with respect Onemain 's approach to customer service was the worst I have ever seen and I am still left with no explanation on how or why all this happened.
Product: Debt collection

From XXXX XXXX XXXX 2021 my girlfriend and I rented an apartment from the company XXXX XXXX  XXXX which represented our landlord XXXX. On that final week of XXXX we asked our landlord and property manager if that we could have an extra week to move our stuff out. They said yes. At the time there was no mention of a charge for staying an extra week, considering that we had paid first and last months rent + security deposit. A month later our old property manageXXXX XXXX called us and demanded we pay him XXXX $ for staying the extra week. At this point we had already long since moved out. It was not agreed upon at the time and certaintly not in our lease agreement, so we saw this as a fraudulent charge. We contacted our landlord, XXXX and he said had no knowledge of this charge. He expressed that we did not owe that to him over text messages which I have saved. The property manager representing XXXX XXXX XXXX management then changed his story and told us he " had no record for rent being paid in XXXX ''. We sent the receipt for XXXX, and pointed out in our lease we had already paid the first and last month 's rent plus security deposit. We were always on time with our rent payments, and recieved our security deposit back in XXXX minus XXXX dollars. We recieved a check for XXXX of the remaining deposit. We thought this was closed issue. In XXXX the property company threatened to send us to collections for this supposed charge. We once again sent them our receipts and expressed that this charge had never been agreed upon, and was an extortion attempt. Yesterday we received a call from XXXX XXXX trying to collect this alleged XXXX XXXX Our old landlord XXXX once again put in writing that we do not owe this to him. This is a fraudulent charge and I left them a message asking for debt verification. We have all of the written proof that our rent was paid in full for the 9 months we were at our old apartment and would like to dispute this fraudulent charge. Once again, XXXX $ was taken from our security deposit. At the time we assumed they were taking this as a charge for the week over our lease. But now here we are, with no agreement, no mention of money until a month after the fact, and a bill from some random collection company, over a charge that was made by a company who hadn't represented us or our property in over a month.
Product: Debt collection

CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, UNITED REVENUE CORP. added a derogatory mark on my credit report per XXXX, upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to the FCRA, UNITED REVENUE CORP. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma has been reporting false information as well as false pre-approvals! I am aware of the settlement and I am eligible. 

They have caused me distress, and causing my credit score to decrease while believing them.
Product: Credit reporting

The CFB has concluded an investigation with XXXX XXXX XXXX XXXX XXXX which they state that their reporting is correct, which it is n't. The supporting document was taken from my credit report on XXXX/XXXX/16 which clearly shows the account to be open with a 106 % utilization ratio, which is a major determinate in XXXX scoring. I am not disputing the bankruptcy but the fact they show the account as open, which it is not.
Product: Credit reporting, credit repair services, 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 : Barclays # XXXX ..., Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an 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, 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, credit repair services, or other personal consumer reports

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( Guaranteed Rate ) ran credit one time on XX/XX/2021 ( Factual Data ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and XXXX. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.
Product: Credit reporting or other personal consumer reports

Last month I noticed XXXX XXXX XXXX has placed a account in collections on my credit report. I have never authorized a account to be opened or initiated with XXXX XXXX. XXXX XXXX has failed to verify the authenticity of this account. I also reported the inaccurate reporting to Experian by mail and phone and website. They have failed to verify the inaccurate information or remove from my credit report.