23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) assist in removing hard inquiries from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and related regulations. I have recently reviewed my credit report and identified several hard inquiries that I believe were made in violation of my rights, and I seek your intervention in addressing these issues. The following items I would like to have removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA ( Section 604 ), a credit inquiry is considered " hard '' when it is made as a result of a credit application, loan request, or any other action that may impact my credit score. Under the FCRA, these inquiries should only be recorded if I have authorized them. Unfortunately, I believe some of the inquiries on my credit report were made without my explicit permission or were based on incomplete or inaccurate information. 

In particular, I would like to highlight the following reasons for my request : Lack of Authorization : There are hard inquiries on my credit report that I do not recall authorizing. If these inquiries were made without my consent, they violate my rights under the FCRA. 

Inaccurate Reporting : Some of the inquiries on my credit report may be inaccurate, as I did not apply for credit with the entities listed, or the inquiries may have been made in error. As per CFPB regulations, credit reporting agencies are required to ensure the accuracy of information contained within credit reports ( 15 U.S.C. 1681e ( b ) ).

Time Frame for Removal : Hard inquiries must be removed from a credit report after two years, but the inquiry may no longer be relevant to my credit score after the first year. I request that any outdated inquiries be removed as per CFPB regulations for data accuracy and fairness. 

Under the Fair Credit Reporting Act, I understand that I have the right to dispute any inaccuracies on my credit report directly with the credit bureaus. However, due to the circumstances surrounding these inquiries and the fact that they are affecting my creditworthiness, I request that you investigate this matter thoroughly and remove any unauthorized or incorrect hard inquiries from my report in accordance with federal law. 

Please let me know if additional documentation or information is needed to support my request. I would greatly appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and consideration.
Product: Debt collection

This company " XXXX XXXX XXXX, XXXX '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. 

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  Inquired on XX/XX/2022 XXXX - XXXX XXXX  Inquired on XX/XX/2022 XXXX - XXXX XXXX  Inquired on XX/XX/20XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022.
Product: Credit card or prepaid card

My Xwifey opening account in my name capital one account credit card {$670.00}
Product: Credit reporting or other personal consumer reports

My XXXX XXXX keeps dropping despite not having any derogatory payments or accounts. For the past 3 to 4 weeks I've been in constant communication with TransUnion which has been an absolute waste of time, TransUnion is unable to specifically tell me the reason why my credit score continues to drop month after month.

When calling in, I've requested to speak to TransUnion 's upper management regarding this ongoing concern, the initial CSR who answers the call explains there is no way for them to transfer me & insist on wanting to see if they may assist, but the conversation always ends up the same, " they are not able to answer why my credit score keeps dropping. '' In conjunction, to add insult to injury, all the Customer Service Representatives ( CSR ) I've conversed with, which have been many, have been absolutely rude, unprofessional & combative, with service such as what I've experienced they have no business talking to people whatsoever. 

Need help with this request, please contact me as soon as possible Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO has sued me for credit card debt that is more than five years old. The debt was incurred prior to XXXX, XXXX, and we have 2 scheduled court dates for XXXX and XX/XX/XXXX. 

I have had no contact with any person or company in regard to this debt since early XXXX.I have never been contacted by XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2016 my identity was stolen and I have done several reports And complaints to the companies that are fraudulently reporting on my credit. Please have these items removed from my credit, it has been hindering me from being able to start a new job and buy a home. I have also filed a report with the FTC identity theft website Due to the fact that these bills does not belong to me. Please remove the following fraudulent accounts : Professional Finance CO {$270.00} XXXX XXXX  {$1700.00}
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting of Bankruptcy by Major Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the inaccurate reporting of a bankruptcy on my credit report by the major credit bureaus. Both the credit bureaus and the courts have provided conflicting information regarding the status of this bankruptcy, leading to unnecessary confusion and damage to my credit profile. 

The credit bureaus have stated that the court confirmed the bankruptcy, but upon further investigation and correspondence with the courts, I have found that this information is incorrect. The courts have denied any confirmation of the bankruptcy in question. 

Furthermore, despite my requests, the major credit bureaus have failed to provide adequate proof or documentation to substantiate their claim of the confirmed bankruptcy. As a result, this misinformation is unjustly impacting my credit score and financial standing.

I kindly request that the major credit bureaus promptly remove the inaccurate bankruptcy information from my credit report. This misleading data is causing me undue distress and hindering my ability to access fair and accurate credit opportunities. 

I trust that the CFPB will investigate this matter thoroughly and ensure that the major credit bureaus rectify this error in a timely manner. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Debt collection

I never received any documents or email to validate this debt.I just started receiving phone calls saying i will have a warrent for my arrest and they were sueing me and one of my references who was not even part of the loan.just a reference..they kept calling the reference disclosing information and threatening them after my phone number was changed.i tried to explaine the reference did not have anything to do with it they just hang up on me, then call back the next day in the same manner
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX  XXXX XXXX XXXX XXXX XXXX, SD pulled a credit inquiry on me without my knowledge or consent.
Product: Mortgage

On XX/XX/year> I reached out to XXXX XXXX XXXX # XXXX with barrett financialgroup about a down payment assistance program in which she gave me two options. The choices were either a conventional loan or a FHA loan, the requirements were that i provide my social for a credit check ( a credit check is payment ) and documentation such as tax information, previous assets and the like, the XXXX XXXX XXXX XXXX ) and tXXXX XXXX XXXX XXXX XXXX ) to proceed. For a continuous of days we conversed about uploading the necessary documents, a credit check was produced on her end and not mines to know of what information she's referring to, in which she said she would furnish a copy of the report, in which she never did. After uploading all the requested documentation she then notifies me that she cant continue the process as there's a negative item on your credit report and the lenders will look down on that, I also informed her why she didn't inform me of any of this in the previous days or any time before i provided you with all of my personal information? she said it's normal procedure but didn't return the uploaded items to me if my service isn't wanted. the items aren't a gift, and i'm aware that these applications are considered as money to their company as it's an asset. My issue is that I've provided value and no value nor consideration was returned and so that formulates into fraud and this is my claim asserting such FCRA 605B, 15 USC 1681n
Product: Mortgage

We paid {$34000.00} as a principal payment to our mortgage which was owned by the company Loancare. This money applied to the loan and then treated as a Misapplication Reversal later, on the day of monthly payment. The mortgage was transferred to different company following the principle payment reversal, but we haven't received $ XXXX back from Loan care. We contacted Loan care twice before XX/XX/2019. We didn't receive any answer from Loan care. our mortgage was sold for the full principle amount even though we had applied the XXXX $ to it. 

Our main concern is below. 
1. We need our money $ XXXX back from Loan care now. 
2. We believe XXXX removed the $ XXXX as Misapplication to sell our loan for a full principle amount even though we had applied money to reduce the principle.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

1. Filed Loss Mitigation Application and Hardship letter and details XX/XX/XXXX XXXX 
2. Filed XX/XX/ XXXX XXXX  ; they requested updated information filed XX/XX/XXXX XXXX XXXX Requested updated bank statements, sent to three locations and to a bank officer. 
3. Sent repeated emails for three months and no response; spoke with loss mitigation multiple times with duplication of the same issues. 
4. Spoke with XXXX XXXX, Director of Services; sent information directly to him, and have called him multiple times and no response. 
5. Called Foreclosure Prevention Case Escalation Unit ; no response. 
6. Emailed Loss Mitigation and Customer Service multiple times ; no responses. 
7. I am a XXXX XXXX XXXX XXXX Veteran who can not work and suffer from XXXX and XXXX XXXX This is creating added stress and causing agitating of my health issues 8. XX/XX/XXXX; spoke with Loss Mitigation and they gave me a list of new documents to resign with current dates. Complied with all requested information and filed XX/XX/XXXX. No response that the email was received. 
9. I keep receiving Loss Mitigation Applications every month with no explanation leaving me to believe that they are not getting my information
Product: Debt collection

Medical bill sent to collection agency, Americollect in XXXX WI. Total owed {$810.00}. Received notification from collection agency, called made arrangements to pay $ XXXX monthly until paid in full. Balance owed {$210.00} which I will pay off this month. Every month they call me asking for a payment even though I have made it. Last evening they called me asking for the balance.
Product: Credit card

There were several charges ( XXXX pages worth ) made to my credit card from a XXXX XXXX called XXXX XXXX Games all within XXXX day spam. It is clearly obvious to anyones eye that these charges are fraudulent. When Chase said they were legitimate after first investigation I asked for proof of findings. We fought with them again they did a second investigation and we still received no proof from investigation. They still stand by there findings. The only person in our household with access to XXXX XXXX XXXX is me. I can assure you I did not purchase XXXX dollars worth of game apps. This is also my only fraud issue with Chase. Ive been a card holder for years and between my wife and I weve paid all our credit card debt and been very responsible card holders.
Product: Student loan

My student loan servicer, NelNet, is misapplying my payments to interest and not principal. I have made overpayments throughout the entire " Covid Forbearance '' period, yet my account shows that for 6 consecutive months they applied 100 % of my payment toward interest. I have called and emailed multiple times requesting they audit my account to correct the problem. On the phone, they acknowledge the apparent error and say they will refer my account for review. However, I have received zero response despite waiting months. I have also received zero response from my email inquiries. 

I need someone with the authority to force them to do a an audit of my account and correct the misapplication of payments to interest instead of principal.
Product: Credit card or prepaid card

I have complained to XXXX multiple times about a recurring charge of {$380.00} from XXXX on my account. The have sent me two new cards and reversed the charges but can not seem to be able or unwilling to stop the recurrent fraudulent charges. I have spent hours of my time resolving this monthly and wasted time on the phone with XXXX as well. 


XX/XX/XXXX {$650.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$380.00}
Product: Debt collection

PortfolioRecovery has called me repeatedly sometimes multiple times a day, multiple times a week, at all hours of day and night. They call from different numbers after I've answered a few times and asked them to stop harrassing me. I only know it is them as it will sometimes appear on my caller ID despite the multiple numbers with multiple area codes that have called. 
* XXXX - called XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, * XXXX - called XX/XX/XXXX @ XXXX, XX/XX/XXXX * XXXX - called XX/XX/XXXX, XX/XX/XXXX * XXXX - called XX/XX/XXXX These are some of the calls that I could find that have not been autoblocked. I would be happy to provide phone records of the time and dates and how often and early/late this company calls me.
Product: Credit reporting or other personal consumer reports

" I am filing this follow-up complaint regarding ongoing FCRA violations by XXXX following their inadequate response to complaint # XXXX. 

Specific Ongoing Violations : Failure to Conduct Proper Investigation ( FCRA 1681i ) No evidence of contacting original furnishers Failed to provide investigation procedures No documentation of correction distributions Veteran Data Protection Violations Ignored enhanced veteran data protections No implementation of required veteran handling procedures Failed to acknowledge service member status protections Audit Trail Violations ( FCRA 1681g ) No list of companies receiving my information Failed to document past report recipients No disclosure of information sharing patterns Consumer Disclosure Violations Incomplete disclosure of file contents No proof of permanent corrections Failed to provide required notices
Product: Mortgage

We went through the process of a loan modification, the loan was taken over by a new mortgage agency : Seterus. The loan Mod finished in late 2014, my x-wife has been making every payment via phone on her own initiation because Seterus did not file the account properly, they had it as a default on a loan and an ongoing debt not being paid. My x-wife and I had files all the paperwork with them and they do have it, every phone call they tell us YES we have the divorce agreement, we have the quitclaim deed, we have the loan modification paperwork but for some reason its showing a defaulted loan. They go on to tell us they will pass it up to another department to be changed to the correct form. In the meantime they are hitting both myself and my x-wife 's credit report month after month based on a mistake in their system. Now I 'm being harrased XXXX times a day by their debt collections department at XXXX, every month we go through the same process of telling them they have the correct paperwork and every month they tell us they do n't talk to other departments and they need XXXX - XXXX XXXX in unpaid funds, yet they see it was a modification and they have all the proper paperwork, and every month my credit reports are being hit with wrong information and my score is suffering terribly. I 've exhausted everything I can do to try and get Seterus to fix the files in their own systems. My X-wife recently told me that they had a debt attached to our name based on a property and address that we never resided in, we never purchased or had any loans toward and I still do not know what the resolution of that issue was.
Product: Checking or savings account

On XXXX wrote a check for sons wedding reception dinner. Vendor cashed it XX/XX/XXXX and Ally decided not honor it on XX/XX/XXXX. Had I not been reviewing my account I would never had known. No phone calls, no emails, no communication whatsoever. The reason given was that I have sloppy writing and they thought the check was post dated XXXX. I guess if you stretch it was messy, but who post dates a check for XXXX? Really? I also think there an accessibility component to this. XXXX with some XXXX, sure might be a bit hard to read, but why wouldn't they call, especially on such a large amount. I could almost see if it was a {$30.00} check. All I really asked Ally to do was to offer to cover vendor expenses from their poor judgement. Nope, Every agent ( except XXXX, he was wonderful ) said I am to blame. I spoke to a Chat agent and a supervisor XXXX ( Agent # XXXX  ). No help. they could expedite a check for {$15.00}. Awfully not nice of them. I would think there would be some protections around this.
Product: Mortgage

Every month I get XXXX10 calls a day from my mortgage company PNC Mortgage. Whether I pay the bill on the first or the XXXX ( last day to pay ). They go into my account and withdraw money with out my consent. They are very rude when I talk to them. They call as early as XXXX and as late as XXXX.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/22, somebody had gained access into my zelle account to transfer {$500.00} to someone I do not know. I contacted Chase zelle dispute center on XX/XX/22 after I realized that my funds were low. I reported it as fraudulent as I did NOT make that transaction and wanted see if they could reverse it. I finally contacted them again today on XX/XX/22 and Chase insisted that the face id, phone used to XXXX and log in 's were consistent with previous zelle payments I had made. I am not sure how the scammer was able to gain access to my phone or log into my account. However, if they were to investigate - they would realize that I have never made a XXXX payment to anyone that I had not added to my address book and I know better than to send money via XXXX to strangers. I have even tried to contact the phone number that the money was sent to, to let them know that the transaction was fraudulent and that it was not me who sent it.. however, the person had just ignored me. I am in despair because this was supposed to be part of my rent money and I am behind now. Please help. Thank you.
Product: Mortgage

I get phone calls at XXXX and XXXX XXXX  everyday over a month even after I registered the number. I can't talk to live person it just hangs up. left message not to call but they continue.
Product: Debt collection

I have 2 medical bills from the hospital since 2019 I have contacted the hospital and applied for the medical assistance program so they can pay my bills and I was approved and the hospital said that they paid all the bills and I have contacted the collection agency many times and I told them and its still on my collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

P.O.C - Multiple Chase Bank members involved. 
Main contact - Bank Manager - XXXX XXXX ( XXXX, WA ) ================== In XX/XX/XXXX, I booked this flight through XXXX. At this time the covid pandemic had hit globally and a lot of countries were placing travel bans including my origin country ( USA ) and destination ( XXXX ). I did not take this flight and like many airlines, XXXX  offered travel vouchers in case of flight cancellations. This flight was booked with 12k miles and {$1000.00}. XXXX offered a voucher for {$1000.00} with the condition to use it within 24 months and if unused they would refund the amount back to the original form of payment used to book the flight. Fast forward to XXXX as the covid cases were on rising, I did not use this voucher for our travel needs anywhere globally. XXXX now refunded this amount of {$1000.00} in XX/XX/XXXX. I had booked this flight using a Chase credit card in XXXX but by XXXX this card/account was closed. Hence, XXXX 's refund was never received back to the credit card or given to me. Since XXXX, I have been trying to follow up with Visa, Chase, and XXXX. After endless customer care calls, filling complaints, visiting branches, and follow-up letters I have not been able to get a resolution from Chase. As per XXXX, they made a refund on XX/XX/XXXX. The transaction number is in the attached emails. Chase responded that they sent the funds back but they fail to provide a transaction number which I can show to XXXX. XXXX has shown their transaction was successful. Please assist in retrieving our money from Chase. It has been 2 years since the flight and almost 10 months since the cancellation refund. Thank you. 

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