23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX, I live in XXXX, AZ and I have XXXX XXXX. 
I was awarded Social Security in XXXX and backpay of check dated XXXX XXXX for {XXXX, XXXX which was mailed to a wrong address and then was cashed by a thief that had no access or authority to cash my check. I filed a police report, called US Bank Fraud line and they refused to help me since the person that stole my check which is in my name only, opened a bank account with US Bank with me as a NON Signor and her as only access. She would have to open an account with my name since its the only name on it. I filed a report with XXXX XXXX office and they contacted Social Security which directed me right back to US Bank since they cashed the check without proper approval. She never should of been able to cash a XXXX, XXXX check that is NOT in her name. 
I am going to the media, online, every platform I can until my money is rightfully returned to me. I am the and I am treated as the accuser. This is downright ILLEGAL and UNJUST. Someone will help me one way or another. XXXX XXXX is the theif that stole and cashed my check. I filed a police report against her.
Product: Credit reporting or other personal consumer reports

Hello I have seen inquiries in my credit report that I do not recognize I did not give my permission to those lenders to run my credit All those inquiries not belong to any existing product I have. 

Under the federal law I have the right to ask for deletion Inquiries appears on my XXXX credit report XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Nowcom west lake financ XX/XX/XXXX XXXX. Nowcom west lake financ XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  on XX/XX/2022 ; XXXX XXXXXXXX on XX/XX/2022 ; XXXX XXXX XXXX ( Reseller ) on XX/XX/2022 ; XXXX XXXX on XX/XX/2022 and there is XXXX XXXX XXXX on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate charge-off reported by American Express on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c Section 605b. 

The reported charge-off is inaccurate because there are mulitple errors across all XXXX bureaus I request an immediate investigation and removal of this inaccurate account. Please respond within XXXX days as required under the FCRA.
Product: Mortgage

My home loan has been transferred from XXXX, then XXXX, SLS secure loan services, all three of them told me I would qualify for a modification yet to the date SLS gives me the run around sends me all the information and never return a call to see if I qualify then I call and they say yes we got your paper work but the time limit had expired, I 'm like what?? Then they go also, u forgot to fill in certain sections, so it 's expired I have to send you another package I have had XXXX packages and according to them they are wrong now I 'm facing foreclosure and there I 'm loosing my home and no modification, I think this company is just a answering service cause they just do the same thing over and over and I 'm sure there is other people who are going through the same thing, this company needs to be looked at, there is something very wrong here
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of my credit report and the multiple, unsuccessful attempts to correct inaccurate information related to late open account, and removal of the charge-offs, and late closed accounts. It has come to my attention that despite repeated efforts, these issues persist on my credit report, adversely affecting my creditworthiness and financial standing. 

On multiple occasions, I have submitted requests to correct inaccuracies related to late open accounts on my credit report. However, these corrections have not been reflected, and the incorrect information remains, impacting my credit score negatively. 

I have also noticed inaccuracies regarding charge-offs on my credit report. Despite providing documentation to support the resolution of these accounts, the charge-off status persists, and I have observed no improvement in the reporting. 

Furthermore, attempts to rectify inaccuracies regarding late closed accounts have been unsuccessful. The persistence of this misinformation is not only frustrating but also detrimental to my financial standing. 

I kindly request a thorough and immediate investigation into these matters. Additionally, I expect timely updates on the progress of the investigation, including any actions taken to correct the inaccuracies on my credit report. 

To aid in your investigation, I have attached supporting documentation. I am asking for your assistance to correct these late open account and remove the charge off and late closed in my credit file : XXXX XXXX  XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$11000.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get my public record right and to show on my Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I re-financed my vehicle on XX/XX/XXXX with another finance company XXXX XXXX XXXX XXXX, original loan was with regional XXXX XXXX of which originally they did not fix the credit hit when I bought the vehicle in XX/XX/XXXX either. I got credit report on XX/XX/XXXX shows regional acceptance reporting late payments and payoff of loan and was docked XXXX points on all 3 credit Bureaus I called regional and spoke with XXXX @ ext XXXX who confirmed the vehicle was paid in full on XX/XX/XXXX and there were no issues or late payments due. Told me I have to take the matter up with XXXX, XXXX, XXXX bureaus because XXXX  XXXX doesnt have a credit department, I asked the question ; well regional reported it so you must have someone. XXXX stated no. So here I am trying to resolve the matter because I am in the middle of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXXINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXXXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

Equifax is reporting a collection on my credit file and its not my collection the collection is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX, Account No : # XXXX, Account name : XXXX ; XXXX XXXX XXXX XXXX, Account NO : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : 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 card or prepaid card

I fell behind on my credit card bills because I was injured on the job on XX/XX/2017. I contacted the credit card to solve it, and they did n't offer any assistance. my account was closed and I contacted them again to arrange payment. They said, if I were to make payment and bring the account current, the account would be reopened. I made several payments, up to 700 dollars and I was told that the account is not going to be reopened. I submitted doctors note, status letters, workers compensation documents, earnings so they can review the case and was still denied. 

It is not fair that they lied and denied my request to open the account and they are reporting it negatively on my credit report
Product: Debt collection

My husband and I lived in an apartment XXXX XXXX. We were told our lease would not be renewed. We had a {$450.00} dollar deposit and when we checked out the leasing agent went through apartment and said she had never seen a cleaner apartment. When we moved in we did not get any new paint or anything as we were only on a 3 month lease. Our last month as the leasing agent XXXX told us that we would have the remainder of our deposit mailed to us which we only owed 9 days on rent. They put me in collections for over XXXX $ which we did not Owe! I tried to contact the apt manager and she would never call me back and just put me in collections on my credit bureau! They even put our water bill which is not affiliated with them.
Product: Vehicle loan or lease

Hyundai Capital sent the car title to the wrong address. I have been chasing them for over 9 months to get them to issue a duplicate title but they just give me no information on it. DMV refuses to release the title to me without a power of attorney from Hyundai Capital and they have refused to send that. They have provided no help whatsoever despite weekly calls, follow ups and complaints to consumer finance as well. They responded to the earlier complaint on consumer finance with a falsely represented response and have still not solved ny issue.
Product: Credit card

This is a follow up with additional abuse by Barclays related to the claim # XXXX. 

Today I found another charge for {$63.00} pending from XXXX on my account which I closed! They have since sent me XXXX credit cards that I HAVE NOT ACTIVATED yet somehow this charge is pending on a card ending in XXXX. 

I saw that this account could be locked, so I locked it. This abuse has got to stop. How are cards being activated when I am NOT activating them?! All I want is my money refunded that was fraudulently charged on my account and to be done with Barclays. I never want to deal with this company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had entered directly into a payment agreement with XXXX XXXXXXXX as my account was 30 days past due, and I was promised that my account would not be reported any longer as late or past due amounts to the credit reporting agencies as long as I was in the program. The account should not and never have been reported as late as of and after XX/XX/XXXX. The account was NOT charged off and I had paid as agreed and paid the amount in full prior to the end of the payment agreement program. 

On XX/XX/XXXX XXXX XXXX had sent me a letter explaining that they would " re-age '' the account after the past due balance was paid. It is my understanding that RE-AGAING is ILLEGAL, and that they had promised me and also written such terms to me that they may not have legally been able to provide to force me to pay the debt. 

In a prior dispute in XX/XX/XXXX, XXXX XXXX was found to be reporting the incorrect information and they were only able to go back according to XXXX XXXX for one year in their records to correct the late payments that they had promised me they would remove via multiple phone calls. The credit report was corrected with XXXX XXXX reporting of inaccurate information, but the reporting of incorrect information was still not accurately reported. I have sent multiple letters to XXXX XXXX and they have reported incorrect information and illegally promised me to re-age.
Product: Debt collection

On XXXX/XXXX/16, I received a voice mail message at work from a XXXX XXXX saying she was a debt collector from Harris & Harris and to all XXXX x XXXX. The number recorded by the voice mail system was XXXX. I do not know what this call is about as I do not give out my work number for personal matters. Also, to be able to leave a voice mail message, you need to know the main number for my office and also my extension. 
In order for XXXX XXXX to leave a message she would actually have to ask for me by name.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX during Covid I was there out of work for three months once I went back to work I paid all my American Express his cards in full they restored one card but will not delete the lates on my credit this is causing me not to be able to buy a home for my family Ive asked American Xpress due to Covid to do a courtesy delete and I can take care of my family they are not budging anything I can do this is frustrating
Product: Mortgage

I continue to receive letters from PHH Mortage XXXX stating that they don't have records of my hazard insurance coverage for home during periods of time MORE THAN A YEAR AGO and that if I do not provide proof of insurance on the home during that time, XXXX Mortgage will buy insurance on my home for periods of time between XXXX and XXXX. First, I had insurance on the home during the periods missing in their mortgage records. Second, it is not my fault that PHH Mortgage did not ask me for proof of insurance in XXXX and XXXX. Third, I believe it is unfair, unjust and illegal to charge me for an insurance policy to cover periods in the past. 

They have proof of my current insurance on the home. 

I am reporting this matter to the CFPB because I doubt that I am the only customer receiving such letters from PHH Mortgage and I believe this matter should be investigated by the proper regulatory/oversight agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, there was money deducted from my bank account by Current, an online bank/crypto company. A fraudulent account was set up in my name and they had all my personal information. I took care of the issue with my personal bank, however when trying to work with Current to cancel the fake account they were no help. They would not allow me to do anything without an account #, which I did not have as I did not set up the account.
Product: Debt collection

Company : Caine and weiner submitted a collection against myself I found out about the collection a year after when I checked my credit report. I didn't know about the collection as Mr XXXX XXXX have used harassment calls in the past which I thought the collection agency was part of his harassments. 
I called the collection agency on the XX/XX/XXXX and requested to provide an invoice in which they filed the collection againest, they have not provided any reports. 
I also sent a certified mail requesting the invoices that allowed them to file the collection against me in which they have received the mail on XX/XX/XXXX and they still have not provided any proofs. 
I requested them to remove the collection against myself and up till now they are refusing to remove it. They have submitted a collection without any proofs which violates federal laws.
Product: Debt collection

XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Caine & Weiner, I hope this message finds you well. 

I am writing to formally request a copy of the assignment contract related to the XXXX bill in the amount {$500.00} dollars that was discussed on XX/XX/year>. To ensure that all terms and conditions are clearly understood and agreed upon, I would like to review the formal contract at your earliest convenience. 

Please send the assignment contract to my email address at XXXX and to the physical address provided above. If there are any additional forms or information required from my side to facilitate this request, please let me know, and I will be happy to provide them promptly. 

Thank you for your attention to this matter. I look forward to your response and to moving forward with the assignment. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I always get money taken out my account with out XXXX authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XX/XX/XXXX for Late Fee Adjustment of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XX/XX/XXXX for {$260.00}. Credit report does n't show payment status for XX/XX/XXXX nor correct balance for XX/XX/XXXX. Billing statement does not show payment on XX/XX/XXXX.
Product: Mortgage

XXXX I started the process of refinancing my mortgage by going to XXXX XXXX. I was contact ed by a company named Amerisave. I made it clear to there representative ( XXXX XXXX ) that I was on long term XXXX. In addition I was contacted by another rep ( XXXX XXXX ) and I informed him as well. There only concern was if my ethnicity was XXXX. It is now XX/XX/XXXX an I was denied credit for something they termed revolving credit concerns. Prior to the denial I was informed that I would have to get documentation for my XXXX that would state I would receive compensation for a minimum of three years. That was the only thing holding up my Re-Fi. My response was, do you ask the non-disabled for a guarantee of three years of future employment? Of course not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX, and XXXX credit report. 

2. The inquiry was not authorized XXXX Cards Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX and XXXX   credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX and XXXX credit report. 

4. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

8. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

11. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

15. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

16. The inquiry was not authorized XXXX XXXX CH Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.