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

ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXXXXXX XXXX, VA XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Mortgage

I was two months behind on my Mortgage with Carrington. I made the two payments on XX/XX/XXXX. They had recently completed escrow analysis effective for XX/XX/XXXX. 
I wanted to make sure the escrow analysis included the two escrow payments which included in my mortgage that was made on XX/XX/XXXX. Also want to see what my LTV ( Loan to Value ) and see if could delete the PMI. My calculations I am around .73. I  should have my PMI deleted when I was at 78 per cent. The previous service was with XXXX XXXX XXXX and to avoiding doing a modification they transferred my loan to Carrington Mortagage I called Carrington Mortgage XX/XX/XXXX around XXXX central time. I asked for a new escrow analysis. The representative could not confirm there was any changes in my escrow because of the two mortgage payments. I explain to her that if those two escrow payments was not included that would eliminate my shortage by me making the two mortgage payments. She told they will not do new escrow only if taxes, insurance or if shortage is paid. Then ask for what my LTV is.  She did know what LTV was so I explain to it to her. She told me she did know where that information is. Then talk to Senior Representative and was told the same thing. I started discussing about my PMI to the Senior representative she keep referring my mortgage as a FHA. I did point out that FHA has MIP and not PMI. I also advised my loan was either XXXX or XXXX XXXX. I felt like new more about my loan than Carrington did
Product: Mortgage

I was a customer of United Wholesale Mortgage. My home loan number is XXXX. This loan was paid off on XX/XX/2021. I am owed a refund for my XXXX payment in the amount of more than {$2100.00}. UWM keeps telling me the money is coming, but I have not received it. It has now been more than a month. Why are they allowed to hold on to my refund?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letters to Experian, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 


Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I contacted this company XXXX XXXX  about equipment finance I was promised that will be under a company name, not my personal name I didn't get the equipment the vendor said he didn't have it I had to go somewhere else and buy but 2 days later I get a notification that my personal credit reflected a loan for XXXX to a company called time payment the contract was signed Thursday I notified XXXX XXXX that I didn't produce on Friday I sent her an email to terminate my contract and notified time payment I tried calling time payment to notify them but was on hold for 45 min then told to leave a message and just now they tried to deliver half of the product on XX/XX/2023
Product: Debt collection

Dear Yamaha Motor Finance Corporation, U.S.A., as dated XX/XX/2022, I, XXXX XXXX, consumer, have a simple question that I am demanding answers of ( XXXX ) Do Yamaha Motor Finance Corporation, U.S.A. comply with, follow Generally Accepted Accounting Principles ( GAAP )? In addition, according to my Consumer Report Im aware Yamaha Motor FinanceXXXX Yamaha are in fact furnishing a {$13000.00} balance to my report. However, my question shall not be construed for any reason or any purpose at any time by any person. Thank you for allowing me to address any of my concerns, sincerely, XXXX XXXX. 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Product: Money transfer, virtual currency, or money service

I have made   XXXX   XXXX   withdrawal, amount :   XXXX   XXXX   on coinbase.com on   XXXX   XXXX   2017.
Coinbase website says : " Your  XXXX  will arrive by the end of day on Saturday   XXXX   XXXX  , 2017. ". It did n't. Transaction is still in 'pending ' state.
I have contacted coinbase support on   XXXX   XXXX   but did n't get any help. Money is still not transferred to my account.
Product: Mortgage

I would like to make a formal complaint against TD Bank. I received multiple calls regarding escrow difference on my patient of XX/XX/22 of {$34.00}. I sent the payment which was {$1700.00}. Instead of applying that amount to the mortgage they held it in an escrow account. I agreed to go into the bank to make a payment of {$34.00} however when I arrived the bank then stated I was to pay {$1800.00}. 

I made another call to the bank where I was told that all fees would be waived and that this would not affect my credit report if I made the XXXX payment of {$1800.00}. At that time they were supposed to take the extra money to apply it to the XX/XX/22 payment and be current with all payments. 

As of today I received a notice that my credit report shows late payment from TD Bank XXXX and all late fees are still present.
Product: Checking or savings account

On XX/XX/XXXX I clicked on the banner add on my Chime account offering a limited time {$170.00} referral bonus for me and a {$100.00} bonus for the person I referred. The banner provided a link which my husband who I referred used to open his account. 
XX/XX/XXXX - my husband called Chime and was told we had to wait 2 days for the referral bonus to go in and all was good with the deposit. 

As of XX/XX/XXXX, neither of us had received any referral bonus. After calling in multiple times on XX/XX/XXXX, agents were able to confirm that we met all the requirements and manually credited us each {$100.00} because the system failed to recognize my husband 's Direct Deposit transfer from his employer but he refused to honor the additional {$75.00} to my account. 

I was advised to call back and did so immediately to address my account and ticket number XXXX was opened and reviewed by an agent identifying herself only as XXXX claiming they did not have any employee identification numbers. She stated that the {$75.00} would have to appear automatically understanding that the system failed to recognize the {$100.00} deposit and had to be done manually. She stated clearly adn directly that Chime as an organization had no way to manually honor that agreement and further escalation to any other department would result in the same information. If it didn't happen automatically there was no way to do it. 

I want the {$75.00} owed to my account as Chime has confirmed that we met all the requirements, used the correct link and met the timeline and amount necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out to your company because I am seeking assistance with having the credit bureaus do their due diligence in rectifying discrepancies found on my credit reports. This issue is has been escalated because the companies are failing to do their job. 
In XX/XX/2023, I initiated factual dispute letters on behalf of myself to XXXX XXXX, Equifax, and XXXX. The letters contained detailed information and facts to support my claim of an accuracies on my credit report The accounts that I disputed were the Department of EducationXXXX XXXX XXXX XXXX and XXXX. All of these accounts are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau as they are claiming to have done investigations in which the information is verified through templated responses. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, l to see that something is amiss. They have a responsibility to reports verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. 
I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have alerted the companies/credit bureaus and nothing have happened/changed yet. it's alot of fraudulent accounts/activity reported on my credit. I filed a FTC report, and I request that my report investigated immediately and all inaccurate information be removed.
Product: Debt collection

To Whom It XXXX Concern, This letter is to formally notify you of fraudulent activity on my credit report. 
On XX/XX/year>, SouthWest Credit Systems reported a collection/charge-off on my credit report related to an unauthorized XXXX account. This account was allegedly opened in my name at an address in Virginia, where I have never resided and never authorized the opening of any XXXX services. 
I have never had any contact with SouthWest Credit Systems regarding this account and never received any bills or communication related to it. I believe this account was opened fraudulently and without my knowledge or consent. 
I request the immediate removal of this fraudulent collection account from my credit report. I am also requesting an investigation into the unauthorized opening of the XXXX account. 
I will be contacting the Federal Trade Commission ( FTC ) to report this identity theft and file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the account which do not belong to me or were opened without my permission : XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at setting up a XXXX account and they said that they would have to pull my credit is that OK? I said Id rather not I just got a car so I already have some inquiries on my account the guy said OK thats fine I have a way to do that let me ask my supervisor and grab the form I need he asked me five questions about my credit history and was able to tell me right away that I was in the clear for an account. however several days later a hard inquiry is now popping up on my account that I specifically did not authorize. I reached out to XXXX and they didnt know how to help me they said to reach out to an agency. I submitted a dispute to Equifax and it came back as a normal inquiry of course because they didnt have any background on its I need to take it off my credit because I did not authorize it and it is affecting my credit which I have worked very hard to build. My call is probably recorded I am sure that XXXX could verify that I did not authorize it.
Product: Student loan

I am the parent of 2 active college students and 2 recently graduated college students. My sons have used " XXXX XXXX XXXX XXXX '' website to get loans that are serviced by Firstmark services. Firstmark services continues to repeatedly misapply payments I have made to the various loans my XXXX sons have with them, in some cases applying it to different accounts than what was submitted on the checks sent to them from XXXX  XXXX XXXX. This is XXXX second complaint I am filing since the 2021 complaint 's response was factually incorrect. When I mail my payments monthly to Firstmark, I denote on the statement and on the memo line of the check which account the payment should be applied to, however Firstmark applies these payments to all of my accounts in a manner that they see fit, not to the accounts noted. I am filing this additional complaint since this issue has occurred at least 15 times now resulting in errant late fees and multiple collection calls to me for for loans that would not have been past due if payments had been posted correctly.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my tranunion report accounts that are not mine. 

both took place on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They have been removed from all other bureaus this is my XXXX request of tranunion.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion credit reporting agency for failing to resolve a dispute regarding an unauthorized hard inquiry on my credit report. Despite my formal request for investigation and removal under the Fair Credit Reporting Act ( FCRA ), TransUnion has not taken appropriate action. 

Unauthorized Hard Inquiry : Creditor/Company : FACTUAL DATA Date of Inquiry : XXXX XXXX XXXX Credit Bureau Involved : TransUnion Violation of FCRA : Section 604 ( 15 U.S.C. 1681b ) : The inquiry does not meet permissible purposes, and I never authorized this inquiry.

Section 609 ( 15 U.S.C. 1681g ) : I formally requested validation of the inquiry, including written proof of my consent, but TransUnion has failed to provide sufficient documentation.

Section 611 ( 15 U.S.C. 1681i ) : TransUnion has an obligation to investigate disputes and remove inaccurate or unverifiable information. To date, they have not removed the unauthorized inquiry. 
Impact on My Credit Report and Finances : The unauthorized inquiry has caused harm to my XXXX XXXX, affecting my ability to secure favorable credit opportunities. XXXX failure to address this matter undermines my rights under federal law and exposes me to potential identity theft.
Product: Debt collection

I received a letter from this company ERC stating that I have an option to pay in three payments. The letter does not state that it is a settlement. I have never doe business with this company. This bill is not correct. I have already discussed with XXXX XXXX XXXX that the balance is in accurate. They have a rep that no longer works there who added features and lines of service that I did not ask for. When I would go to the store to get the issue resolved, he said he would handle it and not to worry about my bill. Every month bill seemed to get higher and higher. Another rep promised me that they would resolve the mistakes because the previous rep was fired. That never happened so I canceled my services. I promised to pay the disconnect fees of {$800.00} totaling 4 lines. A week later I received a bill for XXXX. This has also happened to my elderly father after he had a XXXX XXXX and his bill is higher that this. The company is running an unethical business.
Product: Mortgage

SPS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX A full short sale package was faxed to SPS on XX/XX/17. Week after week SPSs underwriting dept claims something is missing, even though the short sale was started almost 2 months ago. They are refusing to do a complete review of the file and give a complete list of items missing at the beginning of this transaction. Instead they piece-meal it out and claim something different is missing each week. They ignore the documents we have already sent, even though their front-end dept can see it clear as day. They ask for proprietary items that do not exist online. They make up requests that have nothing to do with this borrowers situation. 

Clearly, SPS doesnt have enough employees, and they are doing anything they can to reduce their workload. SPS has too many files, too few employees, and they are simply not able to service their files appropriately. This is happening on all of our files with SPS recently -- It is also happening on XXXX XXXX for homeowner XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX account with the same account numbers 3 times on my credit report. 

Experian is also reporting XXXX XXXX on my credit report twice on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed there is a hard inquiry from a company called XXXX XXXX dated XXXX/XXXX/2022
Product: Student loan

My loans never decrease, I am not a fool I know they XXXX  us all over, I went from being provided loans through Great Lakes, I can't remember who they were before that, now they're with Nelnet. They're doing exactly what XXXX XXXX XXXX XXXX did, only with my loans.
Product: Checking or savings account

I found out recently that a member of Robinhood 's compliance team don't have college educations nor were they an attorney licensed to practice law.

My money when it was so unfortunately managed and stored in Robinhood 's custody, was henceforth looked after by someone who did not have the minimum qualifications that most governmental institutions would require for employment. I also found out that this employee was not licensed to practice law and was therefore in no capacity eligible to interpret law to ensure that the company was at all compliant with its business practices especially when handling my money or their other clients ' money for the time that I was a customer.

I think that people who entrust a company like Robinhood with their money should have people working for them who are qualified in their fields. And no, before Robinhood gives a brochure answer about how their employees are qualified, let me remind them of how many times I needed to speak with a supervisor because the bottom-end employee had no idea what they were doing with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This report that is being filed is NOT a duplicate and is not filed by a 3rd party. I, XXXX XXXX XXXX am filing this report. In Accordance with the Fair Credit Reporting Act XXXX these accounts below 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. XXXX. Account XXXX : XXXX XXXX Account XXXX XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX
Product: Debt collection

I ha e tried to call and inform individual that reported a debt on my credit report on a account and a amount that I did not owe, I went to court with a apartment complex in XX/XX/2016 and the company got a writ to possession of the unit and I payed the amount of {$1500.00} exactly in money orders to XXXX XXXX XXXX XXXX XXXX, then 1 year later I had a amount of {$4200.00} I called and told the rep that I did not owe the money and he told me I was going to pay if or else because he didn't care and was going to keep reporting it to my credit, when I informed him that I paid the company directly and they took it off my credit report so should he and he said no you broke the lease and then to.d me I was a loser and my credit will stay ruined because I broke the lease and we argued that I did not the apartment won dispute in court and not only did he not take it off he reported in on my XXXX  report 2 times so now he hurts me even more because it looks like I own {$8500.00} in debt I want this investigation to include having him confirm with original apartment complex that I paid them and they got possession of the apartment and to remove it from my file or I will have to hire a attorney to sue for damages.We I last filed this complaint I was told by the rep that the company trying to collect the money said he would send info to credit reporting agencies to remove the Duplicate reporting on my credit report and since he has not even done that so I would like to take advantage of any damaging issues this has cause by fair reporting act I have not yet been able to lease another place to provide a roof over my family 's head because of this.
Product: Vehicle loan or lease

Credit acceptance sold me a car and got me pay XXXX a month for the vehicle and then repo the vehicle and try to charge me {$45000.00}