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

Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX and XXXX XXXX Bankruptcy-dismissed Reference : XXXX.
Product: Debt collection

On XX/XX/XXXX my XXXX XXXX bank account showed a XXXX balance from a legal hold appeared on my bank transaction. I had to wait until Tuesday XX/XX/XXXX to call - thy told me a legal garnishment from lawyers stating they are collecting a debt is the reason. They gave me the number to call the XXXX XXXX XXXXXXXX XXXXoffice where XXXX XXXX spoke to me about beign a thrid party debt collector for XXXX  company. She said I have been sued I signed documents opening an account an dthat also i was served in XXXX at my XXXX XXXX address and signed the paperwork in acknowledgement. She sent documents and told me to go over the doc s and she will call me back. She never called back I call leaft messages and email and theres no response. I told her on the phone an dvia email I am not aware of said company, nor any items that she listed. In XXXX my then girlfriedn and I lived in another address not the address listed on the documents. In XXXX I didn't owe big screen tv, or a computer I was far from tech savvy. I did not own much in VA my life started when I moved to XXXX, started school, a career job and got engaged. My fiance has helped with all my paperwork as I am XXXX. We have never heard of this debt- I have never signed anything i have never owned any of the items they claim. My fiance is well aware of all the documents or debt i have. She has helped to clean up my credit report - this company is not on my report. These people seem bogus as they claim to be a third parrty company who bought a debt then at the same time they are saying they are lawyers collecting a debt. They have a court date for XX/XX/XXXX. I live in XXXX and have work. They already took a hold on my account though trying to steal my money. Please help. I looked online and saw the company has been scamming many other- there were lawsuits that paid out in the millions in different states. They seem to switch banks or even names to collect funds. This must be stopped. 

I attached the documents they sent me on XX/XX/XXXX - docs I've never seen a day in my life an di have ever signed. And I did not reside at that address in XXXX
Product: Mortgage

I have a 30 year fixed mortgage with no escrows by the bank. I am current with my insurance and taxes on the home. The mortgage was under First Republic bank and taken over late 2023 by Chase bank. Chase bank is now administering the online for the mortgage and payments. Chase is fraudulently add escrow money that I owe and adding escrow fees to the mortgage bill. They have been doing this for over 2 months despite numerous calls and most important proof of my insurance payment and coverage. Chase and First Republic keep passing the blame to each other while Chase continues to charge me fraudulently for escrow. I have confirmation from my insurance agent that they contacted both banks and confirmed insurance paid but Chase fraudulently states they do not have confirmation and keeps fraudulently charging me escrow fees. I view this is as a scam by Chase to defraud customers innocently being converted from First Republic with fraudulent bank escrow fees. Chase need to be investigated and reprimanded accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  XXXX Bank ) - XX/XX/XXXX Transunion Inquiry XXXX XXXX ( Finance ) - XX/XX/XXXX Transunion Inqury XXXX XXXX XXXX XXXX XX/XX/XXXX Trans Union Inquiry I receive all these inquiries on my credit report without my knowledgement
Product: Payday loan, title loan, personal loan, or advance loan

I sent a communication to GOLDMAN SACHS, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( GOLDMAN SACHS AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ).

*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent.

NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution.

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I XXXX A LETTER ASKING EQUIFAX, XXXX  AND XXXX  TO INVISTIGATE MY CREDIT REPORTS BECAUSE THERE WAS INACCURATE INFORMATION ON MY REPORTS. TO THIS DATE THEY HAVE RESPONDED TO ME ABOUT ANYTHING. I PUT 10 ACCOUNTS FOR DISPUTE ON THE LETTER AND I HAVE YET TO GET ANY RESULTS. 

1.XXXX  XXXX  AACNT  # :XXXX  2. XXXX  XXXX XXXX  AND XXXX  TOT ACCNT # : XXXX  3. XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ACCNT # : XXXX 4. XXXX  ACCNT # XXXX  5. XXXX  XXXX  ACCNT # XXXX  6. XXXX/XXXX  ACCNT # : XXXX  7. XXXX  ACNT # XXXX
Product: Mortgage

I own a XXXX unit rental property in XXXX XXXX California, and recently, I refinance to get a better interest rate. Upon the closing doc I was made aware that my payment would be {$4.00}, XXXX which covers interest and principle, insurance and taxes. 

Then I received my first monthly mortgage payment which is way higher than what I signed at closing and the new amount is now {$5800.00} I have already written to them and am yet to get an answer from them. In that letter I sent, I made them aware that I will continue to pay for what I signed for which is {$4900.00} and not the new amount. 

Name of escrow : KEY ESCROW XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX Fax XXXX XXXX XXXX Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX My Info XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Long Beach CA XXXX XXXX : XXXX XXXX XXXX Cell : XXXX XXXX XXXX Property Financed : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Agent : XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The date XXXX was legally forced to transfer the account to XXXX is XX/XX/year>. 

The date of account payoff and closure is XX/XX/year>. 

The credit reporting agencies have incorrect information ; Transunion is XX/XX/year>, XXXX has XX/XX/year>, and XXXX has the account as till open. See attached. 

Does this not prove that the XXXX information is suspect at best. 

By not having correct information on my credit report you are violating the FCRA. Fix this immediately. 

The payoff and account closure date is XX/XX/year>. See attached.
Product: Credit reporting or other personal consumer reports

I disputed and requested investigation, item not taken off of my credit report.
Product: Mortgage

XX/XX/XXXX - We received our annual notice on how to cancel PMI and the requirements to cancel PMI, which states we need a LTV ratio of 80 %. Document states " or according to your contract ''. 
XX/XX/XXXX - Called to verify the requirements to cancel according to OUR contract. 
We requested the forms needed to cancel PMI because we believed we qualified for the cancellation, or if we did not, we would qualify within 6 months ( one of the requirements within their notice ) XX/XX/XXXX - The mortgage company mailed our packet for PMI cancelation which again included the requirements to cancel PMI. ( note : no where on this form does it say " or according to your contract ''. ) XX/XX/XXXX - I again called the mortgage company to verify these were the requirements for MY mortgage as well as verify the calculations for loan to value ratio. ( I was told to take the remaining loan principle and add 20 %, my appraised value needed to be higher. Even when I asked explicitly, " are you sure I do not take the appraised value and subtract 20 %, and my principle needs to be lower? '' I was assured by the person taking my call, XXXX XXXX, and her supervisor, XXXX XXXX, that I was incorrect. 
XX/XX/XXXX - With the assurance of the letter and phone calls, we sent our check for {$350.00} to get our house appraised to have the PMI removed. 
XX/XX/XXXX - Mortgage company sent a letter of receiving our check. 
XX/XX/XXXX - Appraisal was completed. 
XX/XX/XXXX - Mortgage company sent letter denying our request. 
XX/XX/XXXX - Mortgage company added a note to our file that our contract states that we must be at 75 % XXXX under 5 years ( we were 7 months shy of our 5 years ). 
XXXX, XXXX - After receiving our denial of PMI cancelation, I called and talked with XXXX XXXX, who confirmed the actions on XX/XX/XXXX. 
XX/XX/XXXX, XXXX I faxed a letter to the mortgage company with all of the above actions outlined on the letter. 
XX/XX/XXXX - the mortgage company sent a letter stating " we apologize for any misinformation you may have received from our Representatives '' and continued to tell us the " new '' information of 75 % LTV ratio. 
XX/XX/XXXX - Received my annual notice concerning PMI and the requirements to remove PMI. AGAIN, the letter states my LTV must be 80 % or less. 
XX/XX/XXXX - meet with a Lawyer about actions we should take. Suggested giving the mortgage company one more chance by submitting a complaint here.
Product: Student loan

Hello, I am submitting a complaint today in regards to EDFinancial 's lack of clarity and inability to provide timely refunds. I had initially requested a refund for my student loans due to the CARES act, they gave me a completely unreasonable timeline as to when the funds would be returned, even though a number of my friends ( who are also going through EDFinancial ) have already received their refunds via direct deposit. They can not give me ANY transcripts of conversations with customer support, or provide any additional information as to where my {$5000.00} is currently. I have even been outright hung up on multiple times when calling an agent. My loan account has opened back up and has been opened for a month now, which has impacted my credit score, yet I still have no idea to where my funds are. In this economy, I can not afford the conflicting statements given to me by agents, lack of clarity from them, and most importantly so the absence of MY money. Emailing them has been met with no response and calls are difficult seeing as i am XXXX overseas. I pay for every call and each time I can not be provided with additional information.
Product: Debt collection

I informed ICS collection back in XXXX and also I put it in writing that I do not owe XXXX {$77.00} which they have now put this information on my credit file for XXXX. I have an active account with XXXX more than 5 years with no outstanding debt. ICS refused to take this information off my account which brought my credit score down in the mist of me trying to buy a house. This company is placing false information on my credit report and causes my credit score to drop. Please advise me on what I can do @ this time. I would pay this {$77.00} but I do not owe XXXX anything other than my monthly bill. Please advise me what I can do at this time. My phone # is XXXX and their information is XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Debt collection

This collection is still on my credit report after I was told the balance is {$0.00} by the original creditor. Fidelity collection refuses to take it off my credit. It 's still on there as open. It is causing me to not be able to purchase a home.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my credit score dropped XXXX points at Equifax and only reason shown was a credit card balance decreased.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXXXXXX 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: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXX name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

* Last month  TransUnion reported my score was 607 to a Mortgage company that made my XXXX  Score lower than it should of been. 
*Credit Agencies allowed a Business account be relabeled to a personal account and called it revolving. 
* I have never had a 607 credit score in my adult life. 
* Mortgage companies lowered raised my interest rates due to this credit adjustment. 
*My credit report is being fraudulently tampered with by placing fraudelent information and fraudulently reporting credit checks on my report. 
* I also have a derogatory credit reporting that I had a cable account just close in XXXX a couple months ago after living and working in texas  the last last years * I was a whistle blower against the government were I exposed millions of tax payer dollars was being stolen. I have been retaliated against. The case just settled in XXXX.
Product: Credit card

I sent a payment for {$40.00} to Discover. They ran my check as {$740.00} on XXXX. I talked to them on XXXX and was told that it was an automated error. They pulled my check and said that it was clearly written for {$40.00} and they did not know why the automated system read it as {$740.00}. The amount caused my bank acct. to be overdrawn and I had no access to my money. I was told by Discover that it is an automated process and the system could not be over-ridden. And that their system would try to post my check a total of XXXX times before being kicked back. They were able to credit the money back to my bank on XXXX. I thought everything was taken care of, then Discover tried to post the check for the same amount again on XXXX. My bank acct. was again over drawn and I had no access to my money over the weekend. I called Discover again on XXXX and explained the issue again. I was told that my acct. would be credited again on Monday XXXX. It was not ; so I called again and was told that it would take up to 15 days to resolve the issue while they do an investigation. Meanwhile, I can not access any money in my bank account because of Discover 's error. I can not withdraw cash! I can not use my debit card to buy gas or groceries! I can not pay other bills because the checks will bounce since Discover has essentially locked up my bank acct. and I 'll end up paying either late fees or returned check fee. There is absolutely no excuse for this and their should be some way Discover could go in and manually override their system when they make an error such as this regardless if it is automated or not. At the time of this writing I still have no access to the money in my bank acct. because it is shown overdrawn because of Discover 's error and not rectifying the situation in a timely manner. And I have no idea when I will be able to access the money in my bank acct because of this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I set up a verbal arrangement XXXX a month. At the end of each month. I call Phoenix Financial to make my payment by phone using my debt card. I started receiving call the first or second week in XXXX. I called back and this man answered XXXX XXXX. I answer yes, who am I speaking with. He gave me only his first name. I can give you to XXXX she is in. I asked where are you calling from. He would never answer just kept saying XXXX is in I am going to transfer the call. I hung up. XXXX XXXX XXXX / Phoenix Financial has been calling 2 to 3 times a day using different phone numbers most of them have been XXXX area code. That is this local area code. I have blocked there numbers. I have been thinking about offering a settlement. But when this started happening, it just burned me up. I do the right think and then you run into a very unprofessional and doing things illegal. I believe new partner company needs to go over the collection laws. 
Should you have any questions please feel free to call me XXXX cell Thank you, XXXX XXXX