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

Did not give consent for more than one hard inquiry. 
XXXXXXXX XXXX XXXXXXXXXXXX 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 XXXXXX/XX/XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not give consent for than one hard inquiry. 
XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Did not give consent for hard inquiry. 
EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian EXPERIAN XXXX XXXX  Credit Bureau Inquiries XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian Did not give consent for hard inquiry. 
XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX Experian Did not give consent for hard inquiry. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for them to pull a hard pull inquiry. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not apply for these cards. Did not give consent. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Collection letter sent to former address. XXXX is not owed money on my account. XXXX was contacted, requested letter sent to their fraud/legal dept. I 've faxed AIC to contest debt and request all information via fax and not mailed ( all copies attached ). One of AIC 's search results netted a long list of complaints by consumers receiving similar letters and or calls. This is a fraudulent scheme on behalf of AIC to collect money on debts not owed ( certainly not in my case )
Product: Checking or savings account

3 attempted purchase at a XXXX in MI on XX/XX/2022. Phone number for location of purchase ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well where do I start recently I had a complaint about my credit report I was denied a home loan because of a bankruptcy chapter XXXX on my credit report so I did sum investigation about my report so I went down town to find out what was going on so they didnt have a bankruptcy on me then I gave them the paperwork they sent me n they said that wasnt me. So then the told me too call XXXX XXXX the reporting agency I did so they told me they didnt have a bankruptcy on me so they sent me the paperwork n I called equafax n they said it comes from XXXX Im tired of this I have been denied me of housing because of this I have high credit cards rating cause of these simple mistakes I really should b conversated for this cause its making my life a living XXXX
Product: Mortgage

Mr. Cooper Mortgage Lender recently aquired my loan from another lender. I did not receive information about this until AFTER the pay date. They never sent the information or payment requests. However, I did manage to figure it out and pay them ON TIME online on XX/XX/12. 

Then, without my permission, on XX/XX/XXXX, they withdrew money from my account. They made me pay my mortgage twice in XXXX without permission. My mortgage is not due until XXXX. 

This is a HUGE issue. You can't just go into someone's bank account when they have already paid their mortgage, are current with payments, and STEAL their money. I am filing a complaint with my bank as well. Because of their idiocy and greed and incompetence, I will be late paying ALL MY OTHER BILLS. 

This needs to be dealt with ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  had been overcharging me for 4 years for insurance that I never signed up for. I was paying extra high-interest rates on the account and having a hard time paying this. My account was late several time due to this. My balance never decreased. I finally inquired why my balance was never going down. They finally looked at my account and ended up credited me over {$800.00}. They still reported negative paying status on my account although they were overcharging me. 

I recently paid them off and they are still reporting that I owe {$82.00} on my account. This is impacting me applying for credit. The negative reporting status and can not get my balance to show paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Could someone at CFPB please address this. 

I have tried obtaining an answer with Experian. This is another attempt. 

I received my updated Experian Credit Report. My Experian Credit Report indicates that this one XXXX account ( Account Number XXXX .... ) has been charged-off ten times. 

Is that right. Can one account be charged-off ten times? 

Please contact me at ( XXXX  ) XXXX, if further information is needed. 

Thank you. 

Sincerely, XXXX XXXX XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

date : XX/XX/year> total amount that the collection agency asked for is : {$320.00} I had my boyfriend call XXXX  while I was at work to cancel my membership, yet I noticed that the next month they still charged me. So I disputed it with my bank and I saw that the transaction got disputed so I believed that it was canceled. The gym also never charged my bank again which is another reason why I did not know I that there was debt accumulating. If I had known that I was going to continue being charged then I would have gone in to finalize the cancellation of my gym membership.
Product: Debt collection

I have tried to contact a company attempting to collect a debt which is not being verified/investigated as per my request with FDCPA compliance. The collection/debt buyer is XXXX XXXX XXXX. I have submitted requests to the Credit Reporting Agencies and the creditor has yet to comply and repeatedly sends my invoices from their company as proof of validation. Yet this is not what I asked for and that proves nothing other than they have my name on a file. 

I received notification from pressure tactics ranging from letters from other debt collectors working for XXXX under the name Stenger & Stenger P.C. also identified as debt collectors, also telling me I can challenge the validity of the debt. When I do, the company does not comply. 

I am asking the CFPB to help mediate the matter and force the original investigation with the above noted company so that actual compliance can be wrought.
Product: Bank account or service

My debit card information was stolen and used to make a relatively large purchase at XXXX XXXX XXXX in XXXX XXXX. The thief made a purchase of {$2400.00} on XXXX XXXX, 2016 between the hours of XXXX and XXXX. Chase fraud prevention notified me of this charge. I have already made a claim with Chase and closed all of my accounts. Chase has denied my claim even though there is overwhelming evidence that proves this is fraud. I contacted the XXXX in XXXX XXXX to find more information on tracking this thief down. They notified me that I must first file a police report, which I did. XXXX XXXX PD has approved this report and assigned a permanent case number. I have also given all of my info to the XXXX in XXXX park to help track this person down. I just want my own money that I earned back, chase is making this extremely difficult and is not not trying to resolve the issue at all. They refuse to reimburse me and told me I was on my own.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$0.00} US Department of EDU XXXX {$1800.00} US Department of EDU XXXX {$4200.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hello. I have XXXX collection accounts on my credit reports from the same company. Someone tried applying for apartments I. My name. I have tried to rectify this situation for the past XXXX months, to no avail. This company refuses to work with me and they refuse to remove the fraudulent information. I have live in the same house since XXXX I bought this house brand new at that time. I am not looking for an apartment, more am I planning on moving. I.Q. Data International needs to remove these accounts from my credit files. XXXX account is for XXXX XXXX XXXX for {$250.00} and the other account is for XXXX XXXX XXXX XXXXXXXX XXXX for {$150.00}. Remove these stupid fraudulent accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX, XXXX In accondance with the Fair Credt Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Accounts name : [ XXXXXX/XX/XXXX] has violated my richts. 
I looked at my Experian credit report on mXXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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. 








Delete accounts Immediately from My report [ XXXX XXXX XXXX XXXX XXXX XXXX ] from my credit report, Delete account [ XXXX XXXX XXXX XXXX XXXX XXXX  ] from my credit report, because of multiple violations of the fair credit reporting act.
Product: Student loan

I requested for an audit of my student loans but the servicer refused to honor my request. I believe the balance is not accurate and the issue started with a previous servicer XXXX XXXX
Product: Debt collection

I have new and updated information for the complaint # XXXX with BRIDGECREST. 

I received communication from BRIDGECREST on XX/XX/2021 threatening me with legal action if I do not give them my property. I have a cease and desist on BRIDGECREST dated XXXX. BRIDGECREST has violated my consumer rights under the FDCPA. 

I have attached a copy of the communication that was sent by BRIDGECREST.
Product: Debt collection

I called this debt collector on XX/XX/XXXX  requesting the information and i got no response
Product: Money transfer, virtual currency, or money service

( Bock , 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 requirements 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: Debt collection

Received a letter from an Attorney Office ( Lotane & Associates, PA. ) suing me on behalf of a Debt collection agency
Product: Debt collection

I received a letter from Aldous & Associates in the mail XX/XX/2023 about a debt being owed to a XXXXXXXX XXXX theyre trying to receive a payment of {$570.00} Ive proceeded to call the collection agency to see what this was about because Id never heard, contacted, or signed anything pertaining to this company when I spoke to the representative she stated if this was deemed to be fraud then to contact the police department or file a identity theft report. I choice to report it to identify theft which i have a reference number to that since then Ive looked through all my accounts and noticed on my XXXX XXXX account a attempted charge of XXXX on XX/XX/2023 at XXXX I immediately deactivated my account. I then call back the collection company Aldous Associate to file a dispute with them which I was told I could not do a dispute over the phone but to write a letter to them, before I could send my letter off it was placed in collections even after me speaking to XXXX of there associate about any deadline dates I needed to have the letter in by, I was told there was no time frame. I tried to follow up my dispute through XXXX XXXX but they are stating everything to be accurate which is false and they should be very aware of that.
Product: Student loan

I contacted Mohela on XX/XX/XXXX via email to request reimbursement of payments I made during COVID. I made XXXX payments : XX/XX/XXXX paid {$1000.00}, XX/XX/XXXX paid {$6500.00}, and XX/XX/XXXX paid {$7500.00}. I did not receive any response to this email. I also mailed a letter to follow up and never received a response. I began calling in XXXX of XXXX. Initially I was told they would reopen my loan ( it had been discharged through the PSLF program ) before refunding my payments. I was told this process would take 90 days. After 90 days, I called again and was told nothing had been noted on my account so the process had not even begun. They began this process in XXXX, and I was again told it would take 90 days. Most recently, on XX/XX/XXXX, when I called to follow up I was told they were issuing a reimbursement in the amount of {$5400.00} but they were not able to explain to me why they were refunding this amount and not {$15000.00}. In addition, my current principal/payoff amount is now reading as {$23000.00} and no one can explain that amount either. Each time I call I am on hold for hours. Today when I called asking to speak with XXXX in the Resolutions Department and provided her extension that she had given to me, I was not able to speak with her and waited on hold for XXXX minutes.
Product: Credit reporting or other personal consumer reports

Requested Truth in Lending Regulation Z from Wells Fargo since XX/XX/2024. Wells Fargo has not complied with the TILA request or email and IP addresses for the devices used in setting up XXXX XXXX rent rewards program. I asked for the information to be mailed to my current address. Request was made six times in the last XXXX XXXX. If the TILA is sent to the device that set up the XXXX XXXX I will not receive it. Wells Fargo needs to be aware of penalties for not disclosing Truth in Lending protocol. When I receive email and IP addresses this situation will get settled. CFPB case number for previous complaint XXXX. Wells Fargo case # XXXX. Appreciate attention to this matter. XXXX XXXXXXXX XXXX were activated and all details for each transaction is required. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX
Product: Mortgage

In XXXX we bought a home and it was new construction. The county had not assessed the home yet for taxes so the lender used 1.25 % of our purchase price as an estimate. They collected three months of the estimated taxes and each month when we make our payment they were collecting {$490.00} for taxes. In our state taxes are due in XX/XX/XXXX and XX/XX/XXXX. The county had not updated our taxes by XX/XX/XXXX so I called the lender to see if they could release some of the escrowed taxes. They said they could n't until XXXX XXXX assessed the home and we got a statement. On XXXX/XXXX/XXXX we got our statement with our fully assessed taxes from the county. I contacted Evergreen Home Loans via email message on the website and phone. A rep told me she would submit the statement to the escrow department and it would be resolved in 3 days. I was never contacted again. I called back in on XXXX XXXX and a new rep helped me. She said the previous rep had never initiated anything but she would help me. She even looked up the statement with the county while on the phone with me. She told me it would be resolved and I would get a call in three days. Another three days went by and still no call. On XX/XX/XXXX I messaged them again via their website. This time the rep said they wo n't review until after the account is a year old, but they were making an exception. SHe said I was getting {$3200.00} and it would be here in 7 to 10 days. I asked her if my payment was changing also ( it should go down {$70.00} ) and she said no ... they wo n't change that until XX/XX/XXXX when the account is a year old. Then, she sent another message stating they were sending {$2800.00}, not {$3200.00}, they did their math wrong. When I messaged back asking if I could get an explanation or a phone number to call an escalation office she did not respond at all. 5 days later I got a generic message stating to call customer service with further questions. Today I looked at my account and they are showing my bi-annual taxes are {$2900.00}. They have been provided with my tax statement that clearly shows my bi-annual tax payments are {$2500.00}. They should be collecting now $ 418 monthly for taxes. As of today they are collecting {$490.00}. Previous to my submitting the statement the escrow info showed {$1.00} owed. Then they updated to the correct amount of {$2500.00}. Now they changed it to {$2900.00} for no apparent reason. My escrow balance is {$3800.00}. When I make my XX/XX/XXXX and XX/XX/XXXX payment the balance will be {$5500.00}. Taxes are due at {$2500.00}, and insurance is due at {$840.00}. Also I have PMI of {$290.00} per month. So on XXXX XXXX after everything is paid my balance will be {$1500.00}. Per HUD 's website they can only keep an overage of XXXX of my taxes and insurance amount due per year. ( XXXX x XXXX = {$930.00} ) So they should be returning an additional {$640.00} to me. I have yet to receive the {$2800.00} they claim they sent on XX/XX/XXXX, but I trust it is coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many disputes to the credit bureau 's regarding this matter. XXXX XXXX has already removed the account from my credit report but XXXX and Experian refuse even though the account is not accurate. XXXX XXXX removed it because they saw the inaccuracies and removed it from my credit. I am filing this complaint because XXXX  and Experian won't remove it even though my disputes to them have pointed out all of the inaccuracies. 

The account in question is from XXXX XXXX XXXX, Account number XXXX which shows a balance of {$9000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX  RE : Unauthorized Credit Inquiry from Experian Dear : Experian : I recently received electronic notification that there have been inquiries completed on a copy of my Credit Bureau Name credit report. Upin review via your website, the credit report shows multiple credit inquiries by the below listed companies that I do not recall authorizing. I understand that you should not be allowed to accept an inquiry on my file unless I have authorized it. This is an immediate demand to have these inquiries removed immediately without prejudice! I have sent this letter via ConsumerFinance because I need your prompt response to this issue. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. 
Otherwise, all the inquiries contained herein, should be immediately removed from any record with my name and social security number. 

Thank you for your help, XXXX XXXX SS : XXXX DOB : XX/XX/XXXX ( XXXX ) XXXX