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

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please Delete Immediately
Product: Mortgage

When I make an additional principal payments, Mr.Cooper automatically takes an additional monthly interest payment. Only when I complain does the company rectify the misallocation of funds from interest to principal. ( It appears that this is an automized practice by the company that defrauds less observant customers. ) In my latest complaint on XX/XX/XXXX the company would not change their mistake. 

See attached Payment activity for previous incidents on XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. See attached XX/XX/XXXX Text threads.
Product: Debt collection

PORTFOLIO RECOV ASSOC Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I would like to see what they have that proofs this is my debt. I want to see what i signed to authorize this.
Product: Mortgage

The mortgage was paid off by the federal assistance program, Hardest Hit Alabama, in XXXX. 2019. Instead of applying the payoff amount when received, XXXX XXXX ( formerly PHH ) carried it into XX/XX/XXXX. 

Consequently, XXXX XXXX, has held, refused to refund, and collected interest on our escrow of $ XXXX and applied it as a late payment. 

XX/XX/XXXX - XXXX Total Balance Due. 
XX/XX/XXXX - {$2000.00} Total Balance Due. 

There shouldn't have been anything that came out of the Escrow as we had switched insurance and paid XXXX directly. 

I encourage them to look into account history XXXX loan # XXXX XXXX as it should be well-documented due to the number of calls and written correspondence.
Product: Money transfer, virtual currency, or money service

Had money in bank account linked to my Cash app and XXXX. Was stolen from account through cash app was told that I have to file police report which I did but no money was ever recovered.
Product: Checking or savings account

I have been a customer with Customers/XXXX XXXX XXXX XXXX XXXX but I am tired of the issues that I have had to deal with. this is what has been going on, I deposited a payroll check of {$1000.00} on XX/XX/XXXX, I then had {$860.00}, because I had an overdraft issue which was an entirely different and frustrating issue, I then spoke to someone named XXXX on XX/XX/XXXX, over the telephone and was told it would clear on XX/XX/XXXX. I thought my check was cleared and I was then able to access my money and went to the atm, unfortunately this bank has blocked me from taking any money out of my account, I could not take anything out, I was able to use it at the stores but not able to take anything out. I have had so many problems with this bank, so I went into my on-line account and put in a request to close my account and received a message via email, stating that there is a hold on my account, therefore I can't close it. This is not the first time that this bank had put a hold on my account when I wanted to close it, by having transactions pending when they were not pending before I tried to close it. They are using tactics to keep me as a customer. I have had so many problems with this bank, before this, I noticed there was discrepancies in the amount on my balance many times. Now they are not allowing me to close my account.
Product: Mortgage

I need assistance with my Mortgage Lender due to COVID-19. The loan servicing company Select Portfolio Servicing has told me that my Lender is only offering forbearance for 3 months with the 3 month lump sum due in full at the end of 90 days. It appears that the primary note holder is XXXX  XXXX XXXX. My original loan was with XXXX  XXXX which transferred to XXXX when XXXX failed in XX/XX/XXXX. The current note holder reads as follows : XXXX XXXX XXXXXXXX, successor trustee to XXXX XXXXXXXX XXXX, XXXX  successor in interest to XXXX XXXX XXXX XXXX, as trustee on behalf of the XXXX XXXX XXXX XXXX, XXXX XXXX is the owner of the account. 
Since XXXX XXXXXXXX XXXX was purchased by XXXX XXXXXXXX XXXX in XXXX, XXXX XXXXXXXX XXXX appears to be in 1st position. 
It is my understanding that XXXX XXXXXXXX XXXX is helping homeowners during this COVID-19 pandemic by offering deferrals and adding the missed payments to the end of the loan. 
Why are they not offering the same to me? 
Not sure how many banks got bail outs on my loan after the XXXX crash, but it seems like a few did. It is time the banks do the right thing. I need help now, thank you.
Product: Credit card or prepaid card

I places an order on XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX " White solid surface order # XXXX model XXXX item # XXXX for {$3500.00} credit discount XXXX shipping XXXX invoice XXXX XXXX tax total {$3700.00} on Friday XXXX XXXX. It arrived XXXX XXXX. 
It was on a palate with an opened box sitting on top of it to cover it. It not in a box just like a hat. 
I wanted to purchase a gold pop up valve and on XXXX website it was {$1500.00} on XXXX XXXX called XXXX XXXX and they directed me to XXXX customer service I called and explained as it was not discontinued or marked sale and spoke to XXXX XXXX who was in contact with her supervisor multiple times. I was on the call for an hour waiting, but her boss would not get on the phone. I told her i believe this was a mistake in the price advertised, but she was not able to come to the phone as she was going to investigate it and was to call me back. I explained I was unable to get anyone to install it until XXXX as Covid and no one could come. When unemployment was cut more workers now available. I called so many people all said Next year can not get workers. The XXXX supervisor never called me from online. I have the emails to XXXX which I attached from me and her email to me telling me her boss would reach out. My son called XXXX today when I told him what happened and they said they would email a case number which they did not.. My son called XXXX who said it was not supposed to be XXXX but that would be up to XXXX. A XXXX XXXX called me today from XXXX in XXXX just now after my son called today and said he can not do anything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about the inability to access my account, the reporting of inaccurate information, and the removal of an inquiry I did not authorize. I have sent letters, spoke on the phone, and submitted online disputes through a 3rd party. I have not received any information or proof of owing certain debts. Also, disputes have been pending over the 45 allowable days with no response. 
The information for my student loans is incorrect. The information is outdated and showing I still have debts, and all accounts are paid and no longer owing. 
I have asked them to remove an inquiry from XXXX from XX/XX/2022 because I have not authorized any application from this retailer.
Product: Credit reporting or other personal consumer reports

I initiated communication with USAA Federal Savings Bank by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter, two documents providing opt-out laws and their definitions, and a copy of the account details and reporting from all three reporting agencies, USAA credit card agreement to show they have arbitration in their agreement as well as their arbitration instructions document. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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: Mortgage

I have been working with Mr. XXXX XXXX from Prime Lending in XXXX XXXX Texas on and off for almost a year. I just recently set up an account online with Prime Lending to start my home buying process on XX/XX/2020. In the past 45 days MrXXXX XXXX applied for a mortgage loan WITHOUT my permission on XX/XX/2020 as I simply asked him to run my credit report so we can get an idea of what needs to take place on my end. That caused my score to drop XXXX points after being raised XXXX. I reached out to all three credit bureaus and was told by them after being on hold for more than a hour each time that he, XXXX would have to reach out to them along with Factual Data to have the hard inquiry removed. I called and texted XXXX. He admitted to what he had done and said hes never heard of an inquiry being removed because of the loan officers mistake and said he would fix the issue to get me a home loan. I then received an email from him to set up an account which I did. At this point I am livid as Ive worked really hard to save money and build my credit so that I can buy a home for my son and I! On Friday, XX/XX/2020 I reached out to XXXX because he said there was a dispute on my report and it would take 10-20 days to resolve. It had been 10 days and I wanted to know if there was anymore info he needed from me to assist with the process. Mr. XXXX responded with credit scores that do not belong to me, what I needed to do to bring those scores up and someone elses SSN via text message ... .. I called him immediately as I refused to send my SSN back with correction. He answered the phone calling me by someone elses name as he had our information intertwined. Mind you, I personally know the lady of the SSN that he sent me. I have yet to speak with her about this as Im trying to get my issue resolved. XXXX said the dispute still hadnt been resolved and it would take 21 days which in fact it had as I paid {$29.00} to have my report pulled again to check for myself. He tried to cover himself again, but I can not run the risk of working with him any longer. This may have very been a mistake, 2 too many in fact and I have asked him to close my account with Prime Lending via text message so that I have documentation. I reached out to his Branch Manager on Sunday XX/XX/2020 as I felt it would be best to contact them directly instead of filing a corporate complaint or contacting the XXXX. XXXX XXXX, his manager contacted me back and we spoke on Monday XX/XX/2020. She emailed me a copy of my credit report and stated that I must have authorized the request when in fact there are four pulls on my report from Factual Data. Legally I only only authorized the one. She also stated that she would get in touch with Corporate regarding my request to have the Hard Inquiries removed.
Product: Credit reporting

There is a public record on my Experian credit report from " XXXX XXXX XXXX XXXX. '' There is no recorded judgment from this creditor. I have disputed in the past with Experian, and it has come back verified. I went on to request that Experian provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information.
Product: Checking or savings account

I did not receive my weekly deposit for my paycheck. I realized there was an issue when I could not log into the banking app on my XXXX. I received a message on the Capital One banking app notifying me that my XXXX  had changed and I had to re-log into my account. I did not make any changes to my XXXX  on my phone so I suspected there maybe an issue so I deleted the app and restarted my phone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX AND FLAN Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 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 XXXX 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: Student loan

The website for ECSI to pay my federal XXXX loan is terrible. Every month, I spend over an hour trying to log in to make a payment. Additionally, I am eligible for XXXX Forgiveness and have attempted to send in the forms but they are NEVER received. I have just currently spent over an hour trying to get into the site to make my payment and still was not able to get in. The website is outdated, difficult to navigate, and information is lacking. I contacted customer service about my forgiveness paperwork in XXXX ( mailed to them in XXXX ) and was told it was not received and that I couldn't even resend, as it had to be dated within 30 days of submission. I had to retrieve information from the corporate office for my current employer, as well as information from a former employer. They are not going to continue to fill out form after form if they are not received. It took me 20 tries to get the website to change my address. My account is still under my maiden name because I don't know how long it will take to change my name. ECSI should NOT be servicing student loans for anyone, let alone the government, with their website that was designed in 1997.
Product: Prepaid card

I have a paycard through ADP. The card is issued by my employer. I had not used the card in over XXXX years. The department I am in now started to use the card again. I had lost my previous card so I had to call to get a new one issued. First they wanted to charge me a fee, which they can not do since this is a payroll card issued by my employer. I called a second time and again they wanted to charge the fee, but the agent I spoke to agreed to waive the fee and mail me a new card. I also updated my address with her. She advised that the card would be mailed. 
Over XXXX weeks later, there is still no card. I call again to check on the status. The prompt on the phone indicated that a new card was issued, but not yet activated. When I spoke to the call center agent she would n't assist me because she could n't verify my address. I repeated my current address and the previous addresses I had used. Keep in mind, I was certified with my social security number, name and date of birth. I requested a supervisor. The supervisor was inconsiderate and rude. He refused to do anything to help me. He kept saying that they could n't verify my address. I live in a city and I receive postal mail so the issue is clearly on their end, but he refused to do anything to help me. He kept telling me to fix the issue with my employer. The issue is that one of their employees put my new address in incorrectly. I also told that there are XXXX recent transactions on this card. This experience has been nothing short of frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve a i.d theft issue with all 3 bureaus over the past few months! They have been no help and i feel that putting them under this microscope of government surveillance will force them to abide by the laws. XXXX XXXX, and Experian have been willfully disobeying Credit Laws. In 2018, my purse was taken outside of my car, i left my car door open unfortunately with my purse inside while i ran into my job to get some tools. I came back and purse was gone, it contained my i.d, social card, insurance card, and etc. I was not to concerned at that time as i ordered new cards and such but the fact that down the line it's been fraudulent activity in my name because of it, has me unsettled and lost in a credit mess. So i was told by staffmembers at all 3 credit agencies i needed to get a i.d theft affidavit or police report to validate the i.d theft occurrence in which i did. Sent that along the necessary items they asked of me to complete the package, still the credit agencies have not blocked all the fraud accounts listed on my FTC report and listed on the attached sheet ... FCRA 605 ( BLOCK ). provided in this section on, a consumer reporting agency must block the reporting of any information on in the le of a consumer that the consumer identies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF This credit I.D theft law is what they have been willfully denying as to what is required of them for the steps of processing the investigation. These fraud accounts should not have remained on my account. I also have sent the same documents to all 3 creditors involved in the opening of accounts in question : XXXX XXXX, XXXX County, and XXXX XXXX, whom in which have all responded fairly quickly with their own investigated results, in conclusion that these accounts in their database were undoubtedly fraud or inaccurate in relation to my identity. Each creditor has mailed me through dispute correspondence ( see attachments ) i then sent the Letters directly to each credit bureau who have still, not done a thing to my credit report. They've sent me credit reports saying the accounts have been verified? HOW! WHERE! These credit agencies did not send me the entire necessary proof of " VERIFICATION '' OR " VALIDATION '' under 809 ( a ) ( b ) in regards to these accounts. Especially since the creditors each have reached out to me ruling in my favor agreeing the accounts are fraud! THIS IS MADNESS! I NEED HELP, I AM DEALING WITH XXXX PRODUCERS PERFORMING UNFAIR BUSINESS PRACTICES TO CONSUMERS LIKE MYSELF.
Product: Credit reporting or other personal consumer reports

This afternoon, I noticed unauthorized inquiries on my credit report, which I can not explain. When I checked my credit report as usual, I was shocked to find discrepancies that hadnt been there before. I even refreshed my browser in case it was a glitch, but nothing changedthe unauthorized inquiries remained. I am extremely frustrated and need this issue resolved immediately by thoroughly reviewing the documents Ive sent so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

in this account different sections are reporrting inaccurate information with XXXX, transunion, XXXX attached docs. are showing the inaccurate reporting
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally request updates to my credit report. Please ensure that the following adjustments are made to accurately reflect my personal information : Name : The only name that should be listed on my credit report is XXXX XXXX. Please remove any other names that may currently appear on my credit file. 

Address : Please update the address on my file to : XXXX XXXX XXXX XXXX XXXX remove any prior addresses, including XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX : I also request that you remove any promotional block or credit freeze currently listed on my credit file. 

I appreciate your prompt attention to this matter. Enclosed, you will find copies of documents verifying my identity and address to assist in processing these updates. 

Thank you for your assistance in maintaining the accuracy of my credit file. 

Sincerely, XXXX XXXX