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

CAP ONE NA Inquiry date XX/XX/XXXX Removal date XXXX XXXX CAPITALONE Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX I WENT TO APPLY FOR A CAR LOAN AT A DEALERSHIP WHEN THEY CHECKED MY CREDIT THEY STATED I HAD OVER 10 INQUIRIES SO I AM FILING A COMPLAINT I BEEN A VICTIM TO IDENTITY THEF AND THAT WAS A ISSUE FOR ME GETTING THE CAR I WANTED FOR A LOW PRICE
Product: Mortgage

I had a previous past due amount that was included in a chapter XXXX mortgage. For approximately a year I tried to bring my mortgage current via XXXX  XXXX XXXX   XXXX. Homepoint Financial kept refusing those payment attempts and then added excessive fees outside of the federal bankruptcy claim amount. We resolved that debt on XX/XX/2020 and current on my mortgage to date. It took 2 federal court orders, and a previous complaint with the CFPB to force Homepoint Financial to accept the payment from the XXXX XXXX XXXX XXXX. Now today XX/XX/2020 I get a phone call from Homepoint Financial demanding a payment of {$5200.00} and when I try to explain that im current, the representative gets aggressive and tells me I owe that amount that the XXXX XXXX XXXX XXXX didn't cover the total amount due. My attorney and the State of Indiana has legal documents that prooves otherwise. We will now be seeking additional legal counsel to file a lawsuit against Homepoint Financial for violating federal court orders, and legal binding documentation regarding the payment from the XXXX   XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made written request to Experian to remove any credit or identity freezes from account over one month ago. They have not replied and the freeze is still active. I applied for a loan at XXXX through XXXX XXXX, the only thing holding me back is there request for my social security card because of a credit freeze that I told Experian to remove. The social security card I presented was the original I was issued after birth, and because it doesnt look like the new SS cards, I have wrongly been denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times and have disputed information pertaining to my XXXX and transunion credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in 2017 and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my second written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX XXXX XXXX {$210.00} Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act the list of Accounts below has violated my federally protected consumers 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 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 XXXXXXXX XXXX account status is inaccurate. This account was opened XXXXXXXX XXXX XXXXXXXX and closed XX/XX/XXXX. The vehicle was totaled in accident a month after first made payment. It's reporting charge status XX/XX/XXXX. There is no payment history. This account was paid off due to settlement from car accident. This account is not derogatory or negative. FCRA states all information has to report accurately. There is no payment history the car was total in accident. I have proof of the inaccurate reporting for XXXXXXXX XXXX
Product: Debt collection

There are several accounts listed on my credit file from several companies all in the same amount, these are unknown, I have requested validation and nothing has ever been received and they keep on getting reported same amounts by different companies. Please help
Product: Money transfer, virtual currency, or money service

Someone called me said they were my bank their phone number said it was my bank told me money from XXXX of my accounts were sent via XXXX to someone and I needed to create an account to XXXX the money back to me via a reversal transfer it was all a scam. XXXX told me to file a claim with my bank to get my money back which I did in person at the bank the bank XXXX Bank of America XXXX said that the chances of me getting my money back was slim to none. Now I see news articles that the banks are supposed to be refunding these monies. Apparently Bank of America knew that the scammers had their phone number but never notified their customers if this fact
Product: Credit reporting or other personal consumer reports

This is my attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them.

These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my credit file : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX.
Product: Debt collection

I keep getting phone calls from XXXX but no one says anything when I answer. They just sit there and then hang up. It 's getting annoying especially when its ' multiple times a day.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy filing has been inaccurately reported, by XXXX and Equifax despite the fact that I never completed the process. 
In XX/XX/2020 I initiated the process of filing for bankruptcy in the state of Florida with the intent to follow through, but circumstances changed, and I did not proceed with the final steps required to execute the bankruptcy. Few weeks after, I asked the court to have it dismissed on. 
The court stopped all proceedings in the bankruptcy case AND in all adversary proceedings, and a discharge order was not entered. Therefore, the report of a bankruptcy is incorrect and misleading. 
I understand the importance of accurate credit reporting and its impact on my financial well-being. Every time I apply for credit and denied, can not purchase a home and/or any other financial services for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies is reporting wrong information on my credit report today last activity is wrong account status is wrong last payments is wrong and all collections says open account but supposed to be closed how can a collections be open I feel this is not fair I know there's laws that says I have a right to privacy and I didn't give them permission to put this on my credit report all these accounts I'm listing have a problem on it some are reaging. XXXX XXXX date last activity and account status XXXX says open XXXX is closed XXXX XXXX reports that is open it's supposed to be closed Last Day activities wrong XXXX XXXX XXXX last activities wrong last payment is wrong XXXX XXXX last activity is wrong and they haven't been verified either XXXXXXXX XXXX XXXX last activities wrong XXXX XXXX again last activities around last payment is wrong and they have it not verified it. XXXX last activities wrong last payment is wrong XXXX XXXX XXXX balance is wrong last activities wrong last payments wrong XXXX XXXX XXXX is reporting open late on the 120 days collection supposed to be closed last activity is wrong last payment is wrong secured credit last activity is wrong account status is wrong cuz you says open experian says close. I submitted a list and attach file I Circle and highlighted every problem that I see please fix this problem
Product: Credit card or prepaid card

Hello, I have sent my tender of payment in amount of ( {$3300.00} ) to the MY BESTBUY CREDITCARD address listed : BESTBUY XXXX XXXX XXXX, XXXX, Arizona XXXX with certified mail tracking XXXX XXXX XXXX XXXX sent on XXXX of XXXX.The postal service has confirmed that it was delivered and as well my records confirm that, the company is alleging that they /not found/lost the payment and is shifting the liability on me the consumer, by Uniform Comercial Code 3-309 its clear that they are trying to evade responsibility in regards of its own emploees that lost my paymet, Their Investigation has not concluded anything ( the investigation ID XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been addressing this problem for over a year. XXXX XXXX XXXX is reporting my account is a business account but the credit reporting agencies is still reporting it as a personnel account instead of a business account. 

On XX/XX/XXXX, I filed a complaint of fraudulent credit reporting activities of XXXX XXXX XXXX. During that time, I investigated months of credit reporting from all three credit bureaus and was disturbed from the inconsistencies of reporting on my credit report. I did not only find that the credit agencies allowed XXXX XXXX XXXX to change a XXXX XXXX account in the name of XXXX XXXX. to an individual account and call it revolving account in the name of XXXX XXXX. This change took place thirteen years after the XXXX XXXX Account was opened XX/XX/XXXX. But also, the credit bureaus reported this information without investigating the fraudulent data given to them from XXXX XXXX XXXX.
Product: Mortgage

XX/XX/XXXX Ocwen Loan Servicing LLC allegedly purchased the mortgage from the GMAC bankruptcy. The mortgage is recorded in the name of a non-existent XXXX XXXX XXXX XXXX XXXX. ( XXXX  ) The Note or underlying debt necessary to enforce the mortgage is believed to be lost or destroyed. Ocwen has refused to reveal the identity of the person ( s ) they are servicing the loan on behalf or where payments on the loan, a payoff or a settlement of claims would be paid. Ocwen filed ( a now dismissed ) foreclosure Complaint in the name of the fake XXXX knowing that it did not exist. It is believed that the loan was paid off as part of the T.A.R.P. and was part of one of the XXXX XXXX XXXX. Ocwen has racked up thousands of fake forced placed insurance fees and escrow claims on behalf of a non-existent client. The property in question is a family farm and is part of a bankruptcy estate. Regardless, Ocwen continued to send escrow and Forced Placed Insurance bills for collection. Owen avoided having to reveal the identity of it 's " client '' during the bankruptcy by not filing a proof of claim, relying on it void mortgage lien to the non-existent XXXX.
Product: Credit reporting or other personal consumer reports

told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Student loan

I do not believe all this debt is correct, not sure how I have {$80000.00} - {$90000.00} dollars debt, this could not be correct. My loan servicer provider was XXXX but they switched the servicer to aidvantage right before the judge ruled on the predatory lending judgement. My account should have been included in the first judgment ruling but it wasnt because they move it to a different servicer. I never signed anything with aidvantage, I signed my loans with XXXX  and tried numerous of times to get help because I had become disable but they just gave me forbearance to solve the problem which didnt it made thing worse for me. I have proof that All my loans was from XXXX XXXX and XXXX.
Product: Checking or savings account

I opened up a savings account with XXXX XXXX, a part of Webster Bank. 
The bank is virtual only, and does not have a physical location. I had some issues creating a login but eventually, I was able to login. 
After wiring {$200000.00} of my funds into the account, I was locked out. After multiple calls and promises from the bank to allow me access to my funds, they have not done so. 
As a result, my family is suffering financial hardship stemming from being unable to access my funds. 
I need help and I need help fast.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection company has illegally reported THE SAME ACCOUNT TWICE WITH TWO DIFFERENT OPEN DATES on my report which is against federal laws! 


I have reported that an investigation be done for this collection account under the name of XXXX XXXX XXXX XXXX. I've never had an account with the company nor XXXX I asked the debt to be validated and they failed to do so within 30 days. I sent a copy of that to the 3 major credit reporting agencies and they failed to remove the account and said the account was verified AFTER i sent in all proof of this account being fraudulent. More importantly it is illegal to reage debt and list the same account twice on a report with TWO DIFFERENT OPEN DATES. I HAVE ATTACHED PROOF OF THE CPAMY DOING THIS AND THE 3 MAJOR CREDIT COMPANIES STILL DID NOT REMOVE THIS FRAUDULENT COLLECTION ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on XXXX  XXXX XXXX reported on XX/XX/2016 amount {$7200.00} and XX/XX/2016 amount {$6100.00}. But I did not use it at all. I will attach police report documents to support my complaint .Please help.
Product: Debt collection

had went directly to my employer with out ever contacting me, this has happened several times, even when i was in school.
Product: Money transfer, virtual currency, or money service

Dear sir or madam, My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX My account was permanently limited without reason or explanation. Only after I filed a complaint with the XXXX  did they give an explanation. But it is not satisfactory. All they say is that my activity is somehow " suspicious '' without explaining what this means, or why they feel this way. They said they will put a hold on my money for 180 days. At this time I have over {$600.00} in my account and it is a lot of money, and quite a hardship they are keeping it, during this pandemic. 


After 180 days have passed, Paypal did not return my money. They took my balance and deducted it to zero, so Paypal basically took my money without reason or explanation. I filed a complaint 180 days ago with the XXXX. I want my money NOW, and I don't want to hear any more excuses from Paypal. 


Please help me. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXXrelated debt bondage, which qualifies as XXXX under the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My account with Zelle via XXXX has been suspended. There is a claim that I misused the account privileges. The last time I was allowed access to the account - there weren't any transactions out of the ordinary. 
Upon contacting the Fraud Department at XXXX I have never placed fraudulent banking activity. I appreciated using Zelle to send and receive ( not extravagant amounts & used prudently ) with friends. I did not abuse the privilege during the time it was available and have since not been sent any information. 
XXXX, they could give me no specific information regarding the reason. After an hour and XXXX minutes they actually gave me the number for your customer service and asked me to call. 
I did, and after hearing what the issue was, put me on hold and connected me to XXXX Customer Service XXXX ( twice )
Product: Credit card or prepaid card

American express has locked my Membership Rewards for more than 3 months for no reason. They deducted XXXX points from my account on XX/XX/XXXX for not reason.
Product: Mortgage

On XX/XX/2019 I started a refinance of my house with Quicken Loans.The loan officer 's  name is XXXX who told me that I had to deposit {$500.00} for the appraisal which I complied with.I gave XXXX my wife 's XXXX XXXX credit card number. After a few days XXXX called me and told me that the appraiser was coming to my house in two days, to which I replied that he needed to cancel the appointment with the appraiser, because I didn't want to do any more business with Quickens Loans because they were charging me too much money for the closing cost. Then the appraiser showed up to my house and I explained to him that I had canceled his appointment with Quicken Loans and that I had asked the loan officer to contact him and let him now that I didn't need his services any more. The appraiser told me that he was going back to his office and report this to VA. 
After that I started dealing with XXXX XXXX ( XXXX ) XXXX and I told her that I needed the rest of my money but I haven't received any help.