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

this is the first time I 've ever checked my credit score and I saw how terrible it was and a lot of cards and inquiries that was n't mine. I have sent a lot of mails and called all the 3 credit bureaus regarding fraudulent inquiries on my account. I have no knowledge whatsoever about these inquiries and I even contacted the companies who did the hard inquiry and they said theres no record of it in their system. I have placed a freeze and fraud alert on my account and I do n't know where these came from. I am requesting CFPB to please verify the validity of these inquiries since EQUIFAX REFUSED to help me and was being very rude I am trying to build my credit and responsibly use my financials into getting a mortgage and these are really hurting my credit score XXXX XX/XX/XXXX NOT AUTHORIZED. PLEASE DELETE XXXX XX/XX/XXXX NOT MINE. PLEASE DELETE.
XXXX XX/XX/XXXX MINE.
XXXX XX/XX/XXXX NOT MINE XXXX XX/XX/XXXX NOT MINE. NO CLUE WHAT THIS IS XXXX XXXX XX/XX/XXXX DEF NOT MINE.
XXXX  XX/XX/XXXX NEVER HEARD OF THIS COMPANY, NOT MINE.
XXXX XX/XX/XXXX TO OLD. PLEASE DELETE XXXX/XXXX XX/XX/XXXX NOT MINE.
XXXX XXXX XXXX XXXX XX/XX/XXXX TO OLD. PLEASE DELETE.
XXXX XX/XX/XXXX TO OLD. PLEASE DELETE.
XXXX/XXXX XX/XX/XXXX NO CLUE WHAT THIS IS. PLEASE DELETE.
Product: Checking or savings account

This is a follow up to a previous complaint that hasn't been solved. I deposited a check on XX/XX/XXXX with capital one. They accepted the check but a short while later they put my account on hold. After trying to get ahold of them for a long time they told me there were security issues so they had to close my account. However I still didn't get the funds from the check. I contacted the cfpb. About a month and a half later I finally was informed by mail that they still haven't verified the check, and I must either reverse the transaction or give them a number to verify. I have put in a request to reverse the transaction close to 3 weeks ago, with no response from capital one, as well as given a number to verify, with no response. The only way to communicate is to leave them a voicemail, but they haven't been responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  to get reason for inquiry. XXXX Their number was listed as contact number for questions concerning the inquiry. They gave me the number to XXXX XXXX XXXX whom they said they perfomed the inquiry for. XXXX and stated XXXX XXXX would be able to explain. I contacted XXXX XXXX immediately and answered a multitude of identity questions and they could not confirm a reason for the many inquiries on my report. There were several dates of inquiries made. These inquiries were done in the supplemental consumer credit information area as well as the public records and residental information area of my report. The inquiries regard home loans, mortgage loans home equity loans and interests i do not participate in. 
The rep at XXXX XXXX continued to maintain he did not have anything that showed to belong to me or my information in his system. I demanded he contact both transunion and XXXX  and let them know there has been a problem. He let me know I would need to since it is my problem. Or maybe it is my family member that used my information to open an account? I hung up. I had previously reported fraudulent activity on my credit reports in XXXX of XXXX  when i noticed suspicious activity. I have continued to find more as I have further investigated.
Product: Credit reporting or other personal consumer reports

I am writing to urgently bring to your attention the dire situation I have been enduring for over a year due to persistent inaccuracies on my credit report, stemming from the XXXX data breach. Despite my tireless efforts to rectify these errors, I have encountered continuous resistance and indifference from XXXX, exacerbating my financial distress and emotional turmoil.The XXXX data breach exposed my sensitive personal information, leaving me vulnerable to identity theft and fraudulent activity. In the aftermath of this breach, I have diligently sought to restore the integrity of my credit report and safeguard my financial well-being. However, my attempts to address these issues with XXXX have been met with systemic failure and bureaucratic inertia.Specifically, I have been relentlessly pursuing the removal of fraudulent inquiries and collection accounts erroneously attributed to me for over a year. The following inaccuracies are particularly egregious examples of XXXX 's negligence : Inquiries : Automotive : ( XXXX ) XXXX - XXXX XXXX  ( Inquiry : XXXX. XXXX, XXXX ) XXXX XXXX : ( XXXX ) XXXX - XXXX XXXX XXXX ( Inquiry : XXXX. XXXX, XXXX ) Finance/Personal : ( XXXX ) XXXX - XXXX XXXX ( Inquiry : XXXX XXXX, XXXX ) Bank : ( XXXX ) XXXX - XXXX XXXX XXXX  ( Inquiry : XXXX XXXX, XXXX ) Despite providing extensive documentation and evidence to support my claims, XXXX has failed to take meaningful action to rectify these egregious errors. As a result, I continue to suffer severe financial hardship and endure relentless harassment from debt collectors, undermining my ability to secure housing, employment, and essential services.This prolonged ordeal has taken a significant toll on my mental and emotional well-being, as I grapple with the relentless stress and XXXX  caused by the uncertainty of my financial future. It is unconscionable that I have been forced to endure such injustice and hardship for an extended period due to Experian 's negligence and disregard for consumer rights.
Product: Mortgage

Nationstar XXXX XXXX Department XXXX XXXX XXXX XXXX TX XXXX XXXX : Nationstar Mortgage XXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XXXX/XXXX/XXXX, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and .. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my XXXX XXXX attorney ; the XXXX XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Product: Consumer Loan

I purchased a vehicle in XXXX of 2015 at XXXX. I was told by the dealership that I was the buyer and XXXX XXXX was the co.buyer. I was recently made aware that my name is n't on the vehicles title or registration. I have made payments on this vehicle for more than one year and I am unable to drive the vehicle because I am not the registered owner. Wells fargo Dealer Services has reported this loan on my credit report but I am not the lawful owner of this vehicle. I am unable to locate XXXX XXXX who is the listed owner of this vehicle. I can not continue to make payments on a vehicle that I am not the owner of. Wells Fargo Dealer Services received the funding package from XXXX and did n't secure my interest in said vehicle.
Product: Checking or savings account

I used to be with XXXX and some how I was charged overdrafs but I had my account set up to if I didn't have the funds nothing would go through keeping me safe from being charged So i ended up getting charged for overdrafts regardless and went from XXXX {$300.00} to owing {$300.00} plus to the bank and what's crazy I have not gotten a letter of any kind or anything on my credit so when I changed my bank to XXXX I had a hard time getting a regular Visa card I need this to be looked at because around that time I was struggling to make ends.this was around a bit when wells Fargo was cheating people and was put on the news
Product: Debt collection

My son XXXX XXXX was with my parents in XXXX XXXX MD when he got an XXXX and had to go to the ER during their stay. My parents provided the ER with his medical insurance which was XXXX Medicaid through the state of XXXX ( and yes I work in XXXX XXXX XXXX XXXX and out of state medicaid only works at ERS ). They failed to file with them and have put this on my credit report as he was a minor at the time of service. I have reached out to the debt collection Bay Areas receivable and advised them that my son had Medicaid. I know how Medicaid works and they need to remove this charge or I will gladly take them to court because I can prove my son had Medicaid from the date that he was born XX/XX/year> that is the only insurance my son has ever had.
Product: Credit reporting, credit repair services, or other personal consumer reports

My BK is over 10 years old. I asked chase to remove the BK from my mmortgage statement. It embarrases me and i cant submit for a second loan. They refused
Product: Checking or savings account

CIT Bank ( https : //www.cit.com/ ) denied my application to open a XXXX XXXX account and refuse to provide a reason why. 

As a recent victim of ID fraud I have to know what factors are negatively impacting my ability to open an account with CIT. I am not applying for a loan, I'm applying for a savings DEPOSIT account.
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 XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the XXXX XXXX XXXX XXXXXXXX XXXX block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

In the month of XX/XX/XXXX  I got a letter taped to my window of my home from a third party company that Mr. Cooper hired to do a home inspection unbeknownance to me I called the company on the letter XXXX XXXX XXXX to find out and validate this notice as it seems as a scam. When I called they never provided me with information only that they were sent out by my mortgage company. I contacted Mr. Cooper for validation and clarification to no regard the representatives would not provide me with information. On XX/XX/XXXX  the " inspector '' from XXXX XXXX XXXX broke into my home through a side window gained entry into my home and placed these index sized slips throughout my home of it being winterized. My neighbors witnessed the three XXXX  men in my back yard and leave my home taking my generator. I filed a police report and contacted my mortgage company Mr Cooper in the presence of the officer and with the phone on speaker phone during this time I was made aware that Mr. Cooper hired this third party entity and never communicated anything to me which has cause mental anguish to my family also a safety concern. I have extensive damages to my property and I no longer feel safe in my home due to Mr. Cooper illegal unethical practices to borrowers. I am a participant of the Louisiana Home Owners Assistance fund and the company have made payments on my account to date Mr. Cooper refuses to apply to bring my mortgage up to date. I have mailed in payments by money order and the company takes weeks to apply it towards my account. Have money order dated receipts and I am seeking assistance in this matter. This has caused me a lot of distress.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution and comments under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX  XXXX, and the three major credit bureaus ( Transunion, XXXX XXXX XXXX  with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Product: Debt collection

Repeated phone calls as early as XXXX. I have told them the person they are calling for is not at my number. The person they are calling for lives in another state. I have received 5 calls since XX/XX/22, I dont know how many before that, thats as far back as my call history shows. I blocked their number and they call from a different number. I will not give them information on the person they are calling for and Ive told them so. 

Call history XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX Caller ID shows Midland Credit An internet search shows they are a debt collection service in XXXX XXXX, CA.
Product: Credit card or prepaid card

I have had multiple recurring charges that are showing up on my card and have tried to dispute them but was denied. I have closed the account and the credit card company continues to allow the charges to come through every month even though the account is closed.
Product: Checking or savings account

I received a welcome email from Chime Bank on XX/XX/2023. I have never been on Chimes website. The next day I got an email saying they shipped a chime XXXX debit card to my previous address! I did NOT open an account with chime and did NOT approve them sending a card to an old address! I called their support number and they said there was an account attached to my email and said they would remove it and this would not happen again. Then I got an email saying they changed my email address on the account to the same email with XXXX added to the end. This is not what I wanted. I asked them to DELETE the chime account and put a fraud alert on my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) And the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries have been made on my credit profile between dates of XXXX XX/XX/2022 I have reached out to all creditors to get information deleted and there has been no response I have provided the credit bureau XXXX proper documentation stating that the inquiries are ongoing and they need to be deleted but I have not received any response. 
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 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: Consumer Loan

I have a loan with Carfinance.com. Since the first payment XXXX I have paid an extra XXXX every month to go to Principle. Then in XXXX I started paying an extra XXXX to principle. Car finance will no longer send me a statement because I am paid too far ahead, I want a monthly statement so that I can track how they are applying the funds. 
I have to call them and they sent a statement but the statement is all messed up. sometimes, ( XX/XX/XXXX ), the whole {$610.00} was applied to principle, on XX/XX/XXXX {$170.00} was applied to interest, then the next month XX/XX/XXXX {$220.00} went to interest. The interest should go down if the principle is reduced. I can send you a statement if you would like to see it, my account # is XXXX if you want to contact them. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XX/XX/2022 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 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
Product: Mortgage

I received XXXX separate emails from Truist saying my mortgage payment was not received. I then received an email that my mortgage was current, as I did make my XXXX payment. But after receiving an apology email from Truist at XXXX XXXX today, I then received another email ( the 10th email ) at XXXX XXXX  notifying me my XXXX mortgage payment was not received. Even though I have confirmation from my bank that the payment did post on XX/XX/2024. I attempted to call Truist but encountered long hold times so I didn't have time to stay on the phone.