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

Im a XXXX veteran who informed XXXX XXXX XXXX XXXX as early as XX/XX/XXXX that I was in forbearance with XXXX XXXX XXXX while my loan was being transferred to XXXX. Ive been trying to get this problem corrected since XX/XX/XXXX. XXXX XXXX XXXX XXXX has been hurting my ability to refinance my mortgage to a lower interest rate. I have disputed this problem with the credit bureaus on at least XXXX occasions. And, on at least XXXX times provided proof from XXXX XXXX XXXX that I was not delinquent or past due to XXXX XXXX XXXX XXXX XXXX Department and Customer Service with no fair treatment and still unfair credit reporting from XXXX XXXX XXXX Mortgage. I have exhausted all my efforts trying to resolve this problem. 
I was current on my mortgage payments and I had never missed a payment before being approved for loan forbearance. My mortgage company, XXXX XXXX Mortgage XXXX has been reporting that Im past due since XX/XX/XXXX even though the forbearance rules and this companys forbearance policy informs that there would be no negative credit reporting. My loan was transferred from XXXX XXXX Mortgage to XXXX during XX/XX/XXXX. I was in active approved forbearance with XXXX XXXX XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I was approved for forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX Mortgage. 
I provided my XXXX XXXX XXXX Forbearance Approval letter as proof to XXXX XXXX XXXX research department twice as requested. XXXX XXXX XXXX Mortgage asked me to have XXXX XXXX XXXX e-mail XXXX XXXX department the forbearance letter proof again in XX/XX/XXXX. XXXX XXXXXXXX XXXX directly e-mailed XXXX XXXX XXXXXXXX XXXX Research department my forbearance approval letter on XX/XX/XXXX. XXXX continues to report to the credit bureaus that Im XXXX days past due, not more than XXXX months past due, and delinquent since XX/XX/XXXX. Moreover, XXXX will not even acknowledge receipt of my forbearance approval letter from XXXX XXXX XXXX as of this date, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have now for Is the past year or Too I have sent in multiple disputes Is crediting Bureau 's and I have gotten gotten little results Except from XXXX, they have efficiently for the most part done their best to accurately Credit profile but Is XXXX and Equifax have both bear Barely put in any effort on fixing or making accurate The anacrasies on my credit profile and thus I have had issues getting business funding.And it has caused a great deal of stress and XXXX  To my day to day life I can not get my business up off the ground.Nor can I get XXXX XXXX  Because of my damage credit.I have sent in multiple dispute letters and Gotten very little help in getting the inacracies fixed.I 've been denied I've been denied for business loans and personal credit loans.That I was going to use to leverage to Expand and make my business profitable
Product: Credit reporting, credit repair services, or other personal consumer reports

My Perkins loan from XXXX University  was paid in full on XX/XX/XXXX. On XX/XX/XXXX, I received a credit monitoring alert that my Perkins loan was 30 days past due, delinquent, and being reported to a collections agency. Obviously, this made no sense, as the loan was paid in full, and I had received documentation from XXXX University, and their servicer XXXX XXXX XXXX ( XXXX ), that the loan was paid in full. I immediately contacted XXXX, and as far as they could see, everything on their end looked fine ; they told me that they had reported the loan paid in full to credit agencies in XX/XX/XXXX. An investigation on their end by an account specialist revealed the same conclusion. I contacted XXXX University 's student loan office about this, and was met with immediate hostility. I was told it would not be discussed with me over the phone, they would investigate on their own, and to send them an email with screen shots. I never heard back, and called daily to check in. Each call was again met with hostility and responses of " I don't know '' or " We have to wait for XXXX to call us back '' - there was no urgency in correcting this matter. After a week and a half I finally got a manager on the phone, who looked at my account with me and could not explain what had happened. She literally said " I can't give you a reason why this happened, because I have no idea, I've never seen anything like this before. '' She told me she'd send me a letter on XXXX University  student loan office letterhead attesting that this was an error, and would attest to this when my dispute with TransUnion reached XXXX. I had to call back several times and wait a few more days to finally receive said letter. I finally received the letter on XX/XX/XXXX. No one from XXXX University has an explanation for me about how or why this happened ; certainly no one had any urgency in helping me correct the hit to my credit report that resulted in my score going down 56 points. I have filed a dispute with TransUnion, and am now filing this, to cover all of my bases.
Product: Credit card

I wrote a letter to XXXX on XXXX/XXXX/2016 stating that I have no money to make payments on the credit card. I stated that I am now on a fixed income & the income that I receive from Social Security XXXX are totally used up covering my minimal living essentials. I ask them to close the account & to please cease and desist from all future attempts to collect on my balance. Any correspondence related to my account should be conducted in writing to the address. Do not attempt to contact me by phone. And not to discuss or contact anyone regarding my account. I also wrote that I have become XXXX. I have received calls from debt collectors. The call I received Saturday XXXX/XXXX/16 had me crying so hard because I could not pay my minimal. I told her {$25.00} I could and it would take away my food. She started questioning me about if I had stocks, investments so I could pay. Told her no and she made me feel so ... .small, upset because now that I have become XXXX my life has changed dramatically and it 's really tough. I told her that I mailed a letter to the billing inquiries in XXXX, NC and she told me that I should 've sent it to XXXX, NC so I sent another one. ( If it is recorded, I ask BB & T to listen to it. I felt harassed, bullied and her demeanor was very mean. ) I received another call XXXX/XXXX/16. The lady was nice and kept apologizing because I felt so bad. She mentioned that they also had to close my XXXX and I said that was fine because I never used it. Now I am receiving letters from the bank saying that they 've denied me of the XXXX and turned it over to XXXX XXXX XXXX XXXX. I will continue receiving the statements with late fees of {$37.00} continuing to add up.
Product: Debt collection

I did not open this account. I have never authorized XXXX XXXX XXXX or any other company to use my name to establish any type of service. This is a fraudulent account. This is an account established under my identity that was stolen. Please remove.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, there was a hard inquiry conducted by Capital One which I do not recognize or authorize. 

I contacted both XXXX and Capital One regarding this matter multiple times. XXXX told me I would have to contact Capital One. I sent a letter to Capital One but the company only sent me a very generic response that did not address my concerns or provide any clarity on the matter. As this inquiry was not initiated or authorized by me, I am requesting that XXXX investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please find attached the letter from Capital One and my Identity theft report attached.
Product: Mortgage

I know that this company has had trouble with being compliant when t comes to reporting accounts to the credit reporting agencies per the several complaints and lawsuits I read in this CFPB portal. Well this company continues to violate my right to privacy under FCRA by reporting of this accounts Violates 15 US Code 6802.This was not sent in error, not a material misrepresentation, and If you feel you have not violated my rights please have a senior executive from your company certify under the penalty of perjury. 
The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service unless that information is otherwise " publicly available. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title which I was not given any notice nor was I provided any disclosure under 15 Us code 6802 ( b ) the right to opt out. The credit reporting agency last I checked is a nonaffiliate 3rd party company I do not consent to my information to be shared with anyone as this is an invasion of my privacy
Product: Debt collection

I, entered into a consumer credit card transaction with Mercedes Benz Financial Services on XX/XX/XXXX. I used my credit card as defined under 15 usc 1602 ( l ) and there was a finance charge involved as defined under 15 usc 1605. Mercedes Benz Financial Services failed to inform me that my insurance was included in the finance charges, but it was not as defined under 15 usc 1605 ( a ) ( 5 ) and 15 usc1605 ( c ). Mercedes Benz Financial Services then took my credit and got a loan and begin to violate 15 usc 1692e, because they falsely represent the status of the debt.

Mercedes Benz Financial Services violated my rights as they did not disclose to me my rights to rescission as defined under 15 usc 1635 ( a ) ( b ) ( f ). 
Mercedes-Benz Financial Services acknowledged the criminal liability for willful and knowing of their violations as defined in 15 usc 1611. On XX/XX/XXXX Mercedes-Benz Financial Services removed the alleged debt from 2 credit reporting agencies, leave the ruining of my reputation and defamation of character on XXXX violating 15 usc 1692d ( 1 ) ( 2 ) ( 3 ) as defined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute through XXXX Credit Bureau and I have called the company twice onXX/XX/2021and XX/XX/2021. The name of the company is Oportun Inc/Progresso Finance. I have been a victim of identity theft and the debt that is indicated on my credit report does not belong to me, as I never opened an account with this company. The amount of the initial loan is {$2600.00}, which is now {$2800.00}. Oportun Inc/Progresso Finance claimed that an investigation was initiated, but this information is still included on credit report.
Product: Mortgage

I sold my property  XXXX    XXXX  ,2017 and on  XXXX   XXXX ,    2017  requested a Breakdown of the {$60000.00} charged for the " Shared Appreciation Amount '' from Ocwen  Loan Servicing.    XXXX  On  XXXX   XXXX ,  2017 I received a letter ( a ttached ) stating that I only should have paid {$9800.00} for th e " Shared Appreciation Agreement '' ( a ttached ). Ocwen charged me {$60000.00} through escrow and I have not received a refund.   XXXX  On  XXXX   XXXX ,  2017  I requested a refund on the {$50000.00} for over payment. ( attache d ) No res ponse from Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has ran a hard credit check without my permission, used stolen credit info, also they keep sending loan offers at my home which is unasked for. Untrustworthy and dishonest organisations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear CFPB-Please see attached files For months/ years I have submitted complaints to XXXXExperian regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Experian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the item " XXXX XXXX XXXX '' listed in the attached documents to be removed immediately. I look forward to your response.
Product: Debt collection

I told them i dnt know what deft they are talking about i dnt own anything
Product: Credit reporting, credit repair services, or other personal consumer reports

- On XX/XX/22 I placed a fraud alert on my account through Experian.com - I was told ( by IdentityTheft.gov ) that placing a fraud alert through one credit agency would automatically place credit alerts with the other two agencies within a few business days - reviewing my credit reports, the other two agencies only placed credit alerts in XX/XX/22 - attempting to call Experian to address this issue, they have a phone tree that is unhelpful and almost impossible to reach a consumer representative - on reaching representatives, they speak very poor English and have trouble understanding numbers and letters dictated through the phone - In sum, if I can somehow reach Experian to address an issue, their representatives don't speak English proficiently enough to understand what I'm asking to address - of note, I am possibly having these identity fraud issues because Experian leaked my social security number in the first place!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called trans union because i noticed a 4 year old account that has been closed and charged off all of the sudden shows reopened and missing 1 payment. They stated the company XXXX XXXX XXXX stated that the account it open. I then called XXXX XXXX XXXX and they stated that they sold off my account and gave me a number. I called the number and was told they do not have it either. I called XXXX back and was given the run around again and told i must mail them a letter if i want any answers. I dont get why after giving them their car back and trying to fix my credit for 4 years they can all of the sudden do this and drop my score XXXX points
Product: Money transfer, virtual currency, or money service

RobinHood Markets won't let me access my account and has had it restricted for over a year. They restricted it when an XXXX trade was halted and restricted from purchase. At this time a deposit didn't clear but it did not cost them anything because once I realized they had restricted the security for trading I sold the security for the alleged deposit. When the deposit didn't clear it was because they restricted the purchase of the stock. I don't want to shut the account down, but I do want to access funds which I already had in there before said trade.
Product: Prepaid card

My XXXX-year old son bought a " pre-paid '' debit card " NETSPEND '' so he could pay for something on his own on the internet. Little did he know that he had to ( this is their wording that he found out when he could n't use it ) " provide your name , street address, date of birth, and other information that will allow us to identify you. We may also ask you to provide a copy of your driver 's license or other documentation as proof of identification. Approval of your request for a NetSpend Prepaid Debit Card requires passing our identification verification process. Residents of the State of Vermont are ineligible to open a Card Account. '' All as part of Patriot Act/Anti Money Laundering requirements. I work for a financial institution that follows these regulations ; NetSpend requires someone to " Open an Account '' and thus in that manner they require the " know your customer '' rules. Thus many people do n't want to give this information and never can use the card when they think they are purchasing a prepaid CREDIT card. My son only got bilked out of {$10.00} but there 's instances all over the internet of {$100.00}, {$200.00} and {$300.00}. At my bank we do n't let someone give us their money and " open an account '' account they then ca n't use. They know up front that they will provide personal information ; if they do n't want to provide the information, then they walk away. NetSpend is violating consumer laws by not providing disclosures to customers, or at least making them aware of the depth of the requirement at the time of the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, unbeknownst to me, I was added as an authorized user to a XXXX XXXX credit account that I did not consent to. As a result, my credit score decreased XXXX points. XXXX XXXX could not find me on any account so I contacted Experian. They contacted someone ( I dont know who ) to dispute and remove me from said account. As of today, XX/XX/2023, I am no longer seeing that account and am under the impression I was successfully removed. However, this resulted in an additional XXXX points removed from my credit score. Authorized users are not responsible for the debt of the cardholder, whether they give consent or not. I am demanding that this affiliation be removed from my credit report, restoring my score to its correct number within 30 days pursuant to the Fair Credit Reporting Act and that a new credit report is sent to me once this has been completed.
Product: Credit reporting or other personal consumer reports

I am wanting these inquiries to be deleted because I did not authorized these companies to run my credit.
Product: Credit reporting or other personal consumer reports

OnXX/XX/2024, I pulled my FICO Credit Report from all three Bureaus ( XXXX, XXXX, and TransUnion ) and found out that my personal information ( Name & Address ) was being reported wrong and that my Credit Report had inaccurate and incomplete credit information. I then sent XXXX, XXXX, and TransUnion a Personal Information Update Letter on XX/XX/2024 
I received responses from Two of the three Credit reporting Agencies ( XXXX XXXX XXXX ) on XX/XX/2024, verifying their information XXXX replied via their website, XXXX via Mail, and Trans Union No Response, and my Credit report still had personal information ( Name & Address ) was being reported wrong and my Credit Report still had inaccurate and incomplete credit information. I then sent XXXX XXXX, and TransUnion another Personal Information Update Letter on XX/XX/2024, and My 1st Dispute Letter for the inaccurate and incomplete credit information being reported. As of XX/XX/2024, I have not received any response from all three Bureaus ( XXXX XXXX, and TransUnion ). So, I sent XXXX XXXX, and TransUnion another Personal Information Update Letter on XX/XX/2024, and My 2nd Dispute Letter for the inaccurate and incomplete credit information being reported. On XX/XX/2024, I logged into my XXXX XXXX account to monitor my Trans Union and XXXX profiles, and Trans Union has started reporting a debt owed to XXXX XXXX XXXX XXXX. in the amount of {$630.00} on theXX/XX/2024 without any validation of this debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compaint : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : XXXX XXXX XXXX XXXX account dates are : XXXX for {$160.00} ( account # XXXX ). This amount is incorrect. I am requesting that the item be removed. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX