23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ditech took over servicing from Greentree. They did a refi under Harp on my loan # XXXX on XXXX XXXX. On XXXX XXXX they debited my escrow account for the balance owed to me ( {$2000.00} ) because the new loan did not require an escrow. The payment never arrived and during two weeks they kept saying that the check was in the mail and finally XX/XX/XXXX they said that it was probably lost and that I should wait 30 days from XXXX XXXX to request a replacement check.. which I did on XXXX XXXX. At the time they did not say that they had not mailed any of the refi related checks because " the other Company '' did not print them. I found this out after ward on XXXX XXXX when I spoke to a supervisor and asked about the status of ny refund. She told me about the mess and that they were working on the checks that should have been issued in XX/XX/XXXX and that mine would not be reissued until Saturday XXXX XXXX Bottom line : They lied to me and everybody else for three weeks XX/XX/XXXX Did not issue escrow balance refund checks as per closing agreement. 
I told them that I want my check delivered to me not later than Friday, XXXX XXXX. 
Conclusion : Their " error '' can not be justified. I need my money. 
Thank you for your assistance. You helped me before when the Company was " Greentree ''. I believe that they are just as bad. Their customer service letters arrive unsigned within two weeks acknowledging receipt of my complaint and stating that " they are working on it '' Thank you once again!!!!!!!!!!!!!! 

Note : This incident did not happen during the application process, the loan closed normally on XXXX XXXX, 2016. I could not find any of the choices that you offered on your website suitable for this problem.
Product: Debt collection

The XXXX XXXX Bank Car {$300.00} does not belong to me and reports invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see below ACCOUNTS XXXX XXXX XXXX   XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX   XXXX never late XXXX XXXX XXXX XXXX never late US DEPT OF EDU XXXX not mine US DEPT OF EDU XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/18 the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX : {$24000.00} ; ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.
Product: Credit reporting or other personal consumer reports

Hello, I need help with the information in my background check that Checkr Inc reported on XX/XX/2024. 

My First name : XXXX Last Name : XXXX XXXX There is a missing last name on my report, however when I contacted Checkr Inc and asked them to correct the issue in the report Checkr Inc didnt correct it. 

Checkr Inc only investigated the disqualification found in my report but refused to investigate and correct my last name. 

I live in State of Connecticut and Im exercising my rights. 

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

On XXXX21 I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days. I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found an unauthorized hard inquiry from XXXX XXXX on XX/XX/year>.
Product: Debt collection

CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX CCS COLLECTIONS : I have asked them on several occasions to please stop calling threatening and harassing me about the XXXX alleged accounts. They keep telling me that I owe them XXXX debts in the amount of {$97.00} and another amount of {$87.00} for XXXX separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me XXXX i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... .Upon reviewing my credit file on XXXX XXXX sent by the bureau on XX/XX/XXXX at my residential Address -- XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ...... There has been a reporting of fraudulent account on my Credit file ...... I got XXXX reports from XXXX Credit Bureau with same file number - XXXX on same day XX/XX/XXXX but with different date of births and different membership periods ... .... My date of birth is XX/XX/XXXX ... ... .. and I have membership with XXXX XXXX XX/XX/XXXX ... ... ... ... ... ... .... The Account on the wrong report is ACCOUNTS ADVOCATE AGENCY XXXX # XXXX ... ... ... ... ... ... ... ... ... ... ... ... ..... Please remove this whole account as well as the wrong report on my name with date of birth listed as XX/XX/XXXX ...... The company ACCOUNTS ADVOCATE AGENCY is fraudulently reporting with wrong information to XXXX Credit Bureau ..... Please remove this inaccurate information from my credit ... ... ... ... ... ... ... ... ... ... ... .... XXXX Credit Bureau is also at fault at this ... ... ... ... ...... I have attached my photo ID, SSN card, FTC complaint, the correct credit report as well as the wrong credit report with this complaint ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -..- ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... I have talked with company representative XXXX on XXXX .... email is XXXX ... ... ... ... ... ... ..... 

For any further assistance please reach out to me XXXX XXXX on XXXX, email XXXX XXXX
Product: Credit reporting or other personal consumer reports

hello I took a look at my report and its clearly another man information reporting on my consumer report with CLARITY SERVICES I want to know how an why do you have my personal information? I want to know why you have someone else 's information on my consumer report? as well as who gave you written consent to have any information on me?

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681i ( 5 ) it states ( 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.

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to exercise my rights under the Fair Credit Reporting Act ( 15 US Code 1681a ( 2 ) ( A ) ( B ) ( I ) ) and to bring to your attention the presence of inaccurate information on my TransUnion credit report. 

After recently obtaining a copy of my credit report from TransUnion, I discovered discrepancies requiring immediate attention. The inaccuracies in question pertain to the following : Accounts with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX show Collections/Charge-off and balances. A 1099c form was never sent by the institutions and per the IRS these chargeoffs were already taken as a loss to the companies therefore it is no longer owed. 

Additionally, XXXX XXXX Mortgage there is inaccurate information regarding a late payment in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I mailed a CRRR # XXXX to XXXX XXXX to the address listed on recorded on Experian and XXXX  for a verification of dept for two medical collections from XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$1200.00} and # XXXX {$1300.00} that have been placed on my credit reports. 

On XX/XX/XXXX. 2020 USPS noted " MOVED LEFT NO ADDRESS '' and return the item. I followed up letter that was mailed on XX/XX/2020. This 2nd notice to a different address listed was delivered and there has been no reply. 

Under the FDCPA a debt collector must provide proof of such debt. XXXX XXXX has committed several violations by failure to reply and verify these debts.
Product: Money transfer, virtual currency, or money service

I tried to send {$1500.00} from a Western Union agent in our local XXXX grocery story in XXXX, Florida, to our son in XXXX, PA. When the WU agent submitted the transaction, she received a message on her computer screen stating that WU had placed the transaction on hold, and that we needed to call WU, using a 1-800 phone number, which we did. After 30 minutes on hold, a nearly unintelligible WU agent came on the line and began asking numerous questions, some of which she should have been able to answer by simply looking at the details of the transaction in front of her! Ultimately, the transaction was cancelled, and our money was refunded, but the agent would not tell us why the transaction was cancelled, instead referring us to the terms and conditions printed on the receipt. I have sent money before using WU, and nothing has changed since then in terms of source and destination, sender and receiver, and the amounts, so I am confused as to why this transaction would be refused. If there is something that WU has changed because of action by the CFPB, my next contact will be with my Congressmen to ask for the CFPB to be disbanded! 

By the way : I went to the nearest XXXX, and used their XXXX money send service, and there were no questions asked, and the money was at the destination in 10 minutes, plus the fee was only {$16.00}, instead of {$120.00} at WU!
Product: Debt collection

On XXXX XXXX, 2016, at XXXX XXXX ET, I contacted Convergent Outsourcing, Inc. at XXXX to request a settlement for a debt. I spoke to XXXX XXXX ( ext XXXX ). He asked if I was authorizing to contact me on my cellphone in the future and I told him no. I contacted Convergent Outsourcing, Inc. again on XXXX XXXX, 2016 at XXXX XXXX ET and dialed XXXX 's direct extension to confirm a settlement letter would be sent to me. Again, I decline to give them permission to contact me on my cellphone. 

On XXXX XXXX, 2016 at XXXX ET, I received a phone call from XXXX. I do not answer toll free numbers and let it go to voicemail. No voice mail was left. I did however research the number on the internet and found that this number belongs to Convergent Outsourcing also reported as XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed unrecognized and fraudulent Hard Inquiries. I would like them removed from my credit report. I have also filed a complaint with the FTC reference # XXXX XXXX XXXX  XX/XX/XXXX Equifax Mortgage Service XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LAST SS # XXXX DOB XX/XX/XXXX XXXX XXXX is reporting negative activity on my credit report with no phone number so I can't reach them I don't know who or what company this is I'm in the process of purchasing a home an if this causes me not to be able to purchase my house they will be held liable I have a fraud alert on my credit report since XXXX if anything that involves my credit is being reported on my credit report without providing information of proof that I was contacted and was the confirmed person that was applying for this account then this account is not a valid account and credit bureaus should not report it on my credit This is a Service of notice to all three credit bureaus that I don't know this Company and All three Breaus are aware of the fact that I'm a victim of identity theft and of they report this Company on my credit report they will be held liable and will be litigated to the fullest extent of law.
Product: Credit card or prepaid card

I spoke with a XXXX service rep, XXXX XXXX, regarding a furniture transaction. I had told her that I had been approved for {$1000.00} credit limit on a XXXX XXXX credit card and requested a credit increase to make the purchase ( Item was priced at {$1900.00} at the time ). She then placed me on hold to verify and told me I had been approved for financing for XXXX months/no interest and that it could all be charged to the card. 

Fast forward to XXXX weeks, I noticed that my credit score had gone down approximately XXXX points due to an overcharge on the card. The credit increase was never applied to the card. 

I am extremely disappointed as this has caused major damage to my credit as well as financial loss due to the fact that I had to make a substantial payment to avoid further damage to my credit. I would have not proceeded with the purchase had I known that the credit increase request had not been put in. Essentially, I was lied to by the service rep in regard to the purchase. 

I tried to solve the issue with Macys but they keep telling me that I am the one that needs to reach out to the credit bureaus to solve the issue.
Product: Mortgage

THESE XXXX KEPT CALLING ME AT WORK AND I LOST MY JOB AS THEY VIOLATED FEDERAL AND STATE LAWS AND I HAVE COMPLAINTS OPEN AND THESE XXXX TAKE THEIR SWEET TIME DOING NOTHING. I GUESS WHEN THEY GET SERVED WITH A HUNDRED MILLION DOLLAR LAW SUIT AND THE STATE OF COLORADO FILES AGAINST THEM THEY CAN GET THEIR XXXX  MOVING
Product: Checking or savings account

I opened an account with XXXX XXXX XXXX, with two transfers from Wells Fargo XXXX. A transfer of {$100.00} to open a checking account, and a transfer of {$500.00} to open a savings account, about Wednesday of last week. The checking account was opened, but then, Wells Fargo withdrew the deposits on Thursday. The receiving bank does not have the money, and Wells Fargo can not explain where the money is. As far as I am concerned, Wells Fargo is committing financial fraud, and has literally stolen {$600.00}. And that money was deposited in cash, not credit or anything other than real money.
Product: Credit card

I had my wallet and phone with pass code stolen on the evening of XX/XX/2023. I filed a police report the next day that listed all the cards that were stolen. The theived spent {$1900.00} dollars on my Gemini XXXX. I submitted this police report to the company multiple times. Most recently on XX/XX/2023. When I called today, they said that they had not received the police report. Then I received an email saying my claim had been denied. The police report clearly shows what cards were taken and it includes the Gemini card. These charges are definitely fraudulent.
Product: Prepaid card

There was an unauthorized charge on my XXXX XXXX XXXX 

purchase date : XX/XX/year> Amount : {$100.00}
Product: Credit card or prepaid card

I closed my credit card account and paid my final payment. XXXX . I forgot to stamp my check in the mail and paid online. I called the company to inform them so that by the smallest chance they did receive my unstamped check to not cash it. They said they will make sure. Then they did cash it, I called the day of and freaked out because its $ XXXX. So they told me itll be 30 days before they can refund my money? So I told them I have other bills then they said I can go to my bank and get a bank statement and itll take up to 5 days. Its been 9 days and I called this morning and now it could be another 3-5 days. I just dont know what to do at this point. Thinking about calling my lawyer because I cant afford to pay my other bills. The company is mybjsperks mastercard
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : XXXX XXXX : Inquiry date [ XX/XX/year> ] XXXX XXXX : Inquiry date [ XX/XX/year> ] YAMAHA MOTOR : Inquiry date [ XXXX ] According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumers authorization or for permissible purposes, such as credit, employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA.

I have previously contacted the relevant credit reporting agency to request the removal of these unauthorized inquiries. However, if these inquiries are not removed within 30 days, I am prepared to take further action, including pursuing legal remedies. 

I kindly ask for your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. I would appreciate any guidance you can provide regarding the resolution of this issue and the enforcement of the FCRA. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an email from XXXX  that a new addresss was being associated with my social security. I immediately viewed my credit report and noticed a delinquent account that had gone to collections. The collection company is Perfection Collection and they bought the collection from XXXX. XXXX is a home security company. My credit report shows an address in XXXX, GA. I have never lived in XXXX. On XX/XX/2019, I called XXXX and XXXX  and requested freezes and fraud prevention bc of the new address and the account. I even filed a police report with the belief that this was fraud. 

I also contacted the collection company. In speaking with them, they advised me that XXXX had installed a home security system at the home with the address now being used on my social. The account had been opened several years ago but recently went unpaid. This made no sense. The collection company advised me that they would delete the account from my credit report given that it was not me and that I did not open the account. XXXX  immediately removed the account from my credit report. However, XXXX  has refused to remove the account. I have attempted to dispute not only the charge but the new address with them on multiple occasions. Following my conversation with Perfection Collection, I did a search of the property address and the owner of the property is XXXX XXXX XXXX. My name is XXXX XXXX. Further searching I was able to determine that she is a XXXX year old, XXXX XXXX  woman. I am a XXXX year old, XXXX woman. Clearly, the collection agency made a mistake with the social security numbers given how close our names are. The tax record from XXXX also shows the owner of the property as XXXX XXXX XXXX. I have submitted proof of my driver 's license, the property record and the email from the collection company telling me the account has been deleted yet they keep denying my dispute. My credit score has gone from an XXXX to a XXXX on XXXX. I have spent countless hours on the phone etc trying to get this rectified to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of an account listed as " XXXX '' on my Equifax credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the account status indicates " Paid, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.