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

I've contacted XXXX in regards to three hard inquires that were pulled by a company called XXXX XXXX the company did their investigation and found out that it was not accurate information it was not factual information nor did the company have my permission nor did they have my consent to pull my credit. I am a credit fraud victim I have a security alert and freeze on all 3 bureaus. A few months ago I asked XXXX to remove the three inquires on my account they did their investigation and in XXXX they found out that they were supposed to be removed. The company never notified Equifax XXXX  and XXXX. I have since then contacted them with updates in regards to why they have not removed this on all three credit bureaus this is not a factual report this will not stay on my credit for 2 years, this has damaged my credit by 15 points 5 / points per pull I am now legally requesting  that XXXX has the hard and choirs all three removed within 30 days or I will seek legal action in a court of law, XXXX has a very poor customer service and extremely rude customer service they refused to help me and they have refused to remove all three credit inquires from my account they claimed that they are reopening another investigation on to see why they were not removed since then I have contacted all three credit bureaus and every single one said they were not contacted with an electronic message for deletion XXXX also refuses to show me a copy of proof of deletion they failed to give me any type of proof that it was removed that they are removing it and it has been requested to be removed I've asked 3 times for copies for proof of deletion so this way I can send the credit bureau a actual copy however the company refuses to give me this information as of today they have 30 days to remove all three Harden choirs that were already investigated and I was found innocent and they were wrongful credit inquiry pulls should all three inquires not be removed within 30 days I XXXX and will seek Financial reimbursement and legal repercussions for failing and refusing to delete all three records that are not factual I will wait 30 days as of today
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as XXXX XXXX XXXX. 
XX/XX/XXXX 
XX/XX/XXXX 
XXXX. 
XX/XX/XXXXXX/XX/XXXX 
XX/XX/XXXX
Product: Debt collection

I keep getting repeated calls from Paragon Revenue Group about them trying to collect an alleged medical debt theyre saying I owe. I sent them a letter disputing the debt and ask them to cease all phone communications with me, but they are refusing to stop the calls. I got a call this morning from one of their rep, I asked him not to call my phone, and to send all correspondence via mail, he got rude with me on the phone, started yelling and hang up on me.
Product: Credit reporting or other personal consumer reports

I contacted LexisNexis via US Postal mail and Fax. LexisNexis claims its been verified the XXXX XXXX on my public record as Accurate and True. They cant verify as such. I have a letter directly from the NJ Federal Bankruptcy Court saying they report to NO ONE!! LexisNexis is simply a third party company that pulls public record through poor outdated electronic means. XXXX!! They have zero interaction with the court. Ive asked LexisNexis for proof for 2 years!! I want legit documents, emails or postal mail. LexisNexis can not produce evidence that they have been in direct contact with the NJ Bankruptcy Court regarding my XXXX XXXX. Since they are liars I want the public record removed from all credit score companies. They so easily slapped it on my report by getting this garbage from XXXX. There are many discrepancies none of which they could possibly verify. I have a letter from the federal court. They are committing a crime.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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

Ocwen Loan Servicing had me agree to a trial period for modification. At the end of the trial period, I received a notice that I would need to pay over {$3000.00} to reinstate my loan. I submitted needed documents and I feel like I was mislead in the way it was handled. By them having me pay the schedule that they set up, I should not be behind anymore and my mortgage should me now current. However, they did not do that. They put me under a trial modification and then at the end told me I did n't qualify with no explanation other than an issue with the title that had nothing to do with me personally. I submitted the appropriate documents to them and they are still trying to charge me over {$3000.00} to get my loan reinstated. I was only behind XXXX payments of {$740.00} to begin with and then they had me skip a month before beginning the modification which was another {$740.00}. By my calculation, I should only be behind the two months I did n't pay seeing that they had me skip a month for the modification. I am a single mother of XXXX and working XXXX XXXX jobs trying to stay afloat. I can not afford to loose my home. PLEASE HELP
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

My name is XXXX XXXX, I am writing this complaint because of my Navy Federal credit card termination. I have been banking with Navy federal since XXXX and Ive had credit cards with them since XXXX. However, I recently found out my {$25000.00} XXXX credit card with Navy federal was closed with a {$69.00} balance on it. Ive had that XXXX credit card since XXXX of XXXX, so 4 years now. In those 4 years I have never missed a payment on that card or any other Navy federal cards. I was not aware they would be closing the card as I was completely caught off guard. I have worked 6 years to get to that $ XXXX limit and for it to be taken away when it has a balance of {$69.00} was even more shocking to me. All of my accounts with them are in good standings. I worked very hard to achieve that high of a limit & it gets taken away like that is devastating to my credit report & my current and future finances. Having a {$25000.00} limit and only a {$69.00} balance shows I can handle a high limit like that. I pride myself on always being able to make my payments on time & keeping a great relationship with any institution I bank with. Ultimately, I hope I can get this resolved and I can get my card reinstated because I know it will be mutually beneficial for me & Navy Federal. 
Thank you.
Product: Credit card

I want these inquiries to be deleted because I did not authorize these companies to run my credit its fraudulent.
Product: Credit reporting

I sought relief from a wrongly filed tax assessment which resulted in a Ohio tax lien against myself from the Ohio Attorney General on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio Attorney General after conducting an investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a zero balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation from the Ohio Attorney General 's Office to provide to each of the credit reporting agencies, asking for removal of the public record from my consumer reports. On XXXX/XXXX/15 the Ohio Attorney General sent on my behalf the letter previously mentioned to Transunion requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Transunion updated the report to reflect the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute online with Transunion. Again I provided documentation by mail, asking for this lien to be voided and expunging from my personal report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be the public record to be reporting correctly. 
I am aware of the statutes regarding the reporting of paid/released liens. I am not disputing the fact the lien is recorded as paid/released with the court. My concerns are with the fact that at the request of the Ohio Attorney General to void and expunge any record from my personal Transunion consumer reports are not being addressed. It is my hope that by filing this complaint with the CFBP, that it is brought to the attention of a Transunion Representative with the authority to remove this wrongfully filed lien from my Transunion consumer credit file.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase Inc account to fraudulent investment firm ( s ) via my Coinbase USDT wallet. I also made deposits for a total amount of XXXX USD from XXXX to the fraudulent investment firm ( s ) via my Coinbase USDT wallet, for a total of XXXX USD. These funds were transferred from the wallet to an address unknown to me without my authorization. 

On XX/XX/XXXX, I emailed a Demand Letter ( dated XX/XX/2022 ) to Coinbase Inc per XXXX XXXX. On XX/XX/XXXX, Coinbase Support responded ( Case # XXXX ) that " All cryptocurrency transactions that are confirmed on the blockchain are irreversible. Coinbase has no information about ownership of external cryptocurrency addresses, and because this is an external process, there is no way for Coinbase to cancel, reverse, or recover these funds on your behalf. '' On XX/XX/XXXX, I emailed a Rebuttal Letter ( dated XX/XX/2022 ), to Coinbase Inc. Coinbase Support responded ( Case # XXXX ) that " Due to the irreversible nature of cryptocurrency protocols, transactions can neither be canceled nor reversed once confirmed on the blockchain. It remains the customer 's responsibility to review the details of the dapps they interact with and understand the risk when interacting with them. We recognize the difficult position this puts you in, but we can not reimburse or credit your wallet. ''
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Dair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I was behind on my bike note. I then sent {$4500.00} in cleared funds to Harley Davidson. That pmt put me in a current status and paid me up the next at least 5 months. I disputed the balance with the credit agencies since Harley Davidson never updated the balance. Harley Davidson never responded to the credit agencies within the 30 day limit by law they give them, so the line of credit was removed from my report. I have called and spoken with supervisors from Harley Davidson since XX/XX/XXXX. and have been informed that they will put in a REINSERTION OF THIS TO MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES ... BUT STILL HAVE NOT DONE THAT. Per XXXX they are reporting each month, BUT THEY HAVE NOT PUT IN A REINSERTION OF THIS TO BE RE ADDED TO MY CREDIT REPORTS, SO RIGHT NOW I AM MISSING THAT LINE OF CREDIT ON MY REPORT AND IT HAS AFFECTED MY REPORT SINCE XX/XX/XXXX. THIS MATTER HAS BECOME VERY STRESSFUL AND EXHAUSTING. I NEED HARLEY DAVIDSON TO REQUEST A REINSTATEMENT OF THIS LINE OF CREDIT BACK TO ALL THREE MAJOR CREDIT AGENCIES. 
THANK YOU
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I had borrowed up to {$800.00} from CashNetUSA. They wanted me to pay {$390.00} and I asked for a payment arrangement because being on XXXX I could not afford to pay that much at one time ( they had worked with me before ). They did not agree to a plan I could afford this time so I had the bank to stop any payment to this company. They kept adding interest and ran the account up to {$1700.00}. I did not hear from them until XX/XX/XXXX. They offered me a settlement of {$860.00} instead of the {$1700.00} and I had to let them know by XX/XX/XXXX. I agreed to pay {$170.00} a month starting on XX/XX/XXXX through XX/XX/XXXX. They agreed but wanted it to start on XX/XX/XXXX. I contacted them on XX/XX/XXXX and told them that they were breaching the payment agreement when they did not withdraw the money from my account. They emailed me back and said it will take 2 days to post to my account. It is XX/XX/XXXX and they have not withdrawn the {$170.00} from my bank account.
Product: Credit reporting or other personal consumer reports

My credit report contains errors per 15 USC 16c-2, with unauthorized inquiries. Requesting the removal of these hard inquiries.
Product: Mortgage

Had a personal hardship. Kept roundpoint mortgage company informed. Started foreclosure before 150 days. Refused to accept payments despite multiple attempts. Would only accept reinstatement. Refused double payments. Would only accept wired money. Added their attorney fees to reinstatement.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account P & B CAPITAL GROUP LLC with a balance of {$3800.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my XXXX report via a collection agency and the new date shown. 
XXXX has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I am a XXXX XXXX vet with XXXX XXXX-connected XXXX XXXX. I care for my wife with XXXX XXXX XXXX XXXX. 
2. When XXXX hit, we were denied access to our medical problems and became mired in medical problems. Our tenant told us they lost their jobs and could not pay the rent. 
3. Our daughter-in-law requested Forbearance in writing on XX/XX/XXXX and XX/XX/2020, to start with theXX/XX/2020 payment. 
4. The bank started the Forbearance Plan in XXXX and reported the XXXX and XXXX payments as missed to the credit reporting agencies. 
5. When we asked for the Forbearance Plan to start in XXXX and to remove the report of missed payments, we were informed that we had not correctly followed the bank procedures. The Forbearance Plan would continue to start in XXXX and the missed payments would remain on our credit report.
Product: Debt collection

This issue has already been brought to the attention of Cfpb, with no outcome, even when submitting all documentation trying resolution of this debt. 
In XXXX, after losing my job due to a XXXX medical condition, I leased a XXXX-bedroom apartment through XXXX XXXX XXXX. Below is the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.I entered into this lease with a co-worker, XXXX XXXX ; and due to my job loss, and my first SS XXXX check not coming till XX/XX/XXXX ; I had a co-signer XXXX XXXX , a friend of mine. 
After not quite 6 weeks, XXXX, my roommate explained to me that her daughter needed a place to live. Together, we both went to speak with the Business-Department @ XXXX .They were understanding, allowing me to transfer to the only apt . vacant @ the time, as a temporary move until something became available on the first floor. With my medical condition worsening, my physicans wrote a letter to the XXXX that I was in need of a XXXX floor apt , due to my inability to continue living on the XXXX floor without elevators. This new address I moved into on XX/XX/XXXX was : XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX. My security deposit and co-signer application was transferred to the new address. 
Upon losing my position in XX/XX/XXXX, I was faced with filing Chapter XXXX Bankruptcy, due to my debt I could n't pay. My lawyer advised me, to convert this to a Chapter XXXX, since I could not pay the debts included in my initial Chapter XXXX petition. named XXXX as a debtor in both chapters. They did not respond to the Chapter XXXX or XXXX claims, so it was the option that they did not want to follow-up with this. 
XX/XX/XXXX, I was no longer physically able to live on the XXXX floor. I was in constant contact with XXXX Business Office discussing with them my situation. Due to this apt . being kept in excellent condition, I was able to give a 30-day notice with the understanding that this would be paid for my last month 's rent. I felt supported by them and assumed that this matter was closed. My Chapter XXXX Bankruptcy was discharged on XXXX/XXXX/XXXX. XXXX never reported this to me, and initially the collection amount was placed on all XXXX credit bureaus in XXXX. This was not reported since XX/XX/XXXX.Upon my vacating this apt . I left forwarding addresses, phone numbers and my email. I was n't placed in Collections for this @ the National Credit Systems till XX/XX/XXXX. I feel that I explained the situation to XXXX upon me leaving, and parted on good terms with a XXXX balance. I again ask that this account be removed from all XXXX credit bureaus.