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

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX/XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.

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: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ALLY FINANCIAL Requested On : XX/XX/2019, XXXX XXXX XXXX XXXX  Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

To whom it may concern the per 15USC 1692-C it should be removed from my account. The collection agency failed to provide me with the documents I requested as follows has it been any insurance claim found on this debt? I want to see the claim of Title that you have to collect on this debt. Please provide all the documents within XXXX  days or please remove it from my credit report. per 15USC 1692-C it should be removed from my account Thank you
Product: Debt collection

Sending me notifications via an intimidating law office. I am being threatened with wage and bank account garnishments. I have no knowlege of who these debtors are.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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

The company has 2 files they are reporting to their clients. One report with no changes and one with some changes. 
I'm sending the incorrect balances showing on my reports as attachments. In results of the errors is showing incorrect fico scores to all that views my report!
Product: Credit reporting or other personal consumer reports

Several times I've requested credit reports from Experian through XXXX They say there's a problem and give an address for mailing them a request. This is an impractical hurdle to getting the information, so I tried going through their website, experian.com. I successfully passed their security steps via text message, but when I followed the link they reported " Oops, we're sorry! We are experiencing technical difficulties. We have been notified and will actively work on fixing the issue. Please try again later. '' This has happened several times. Either Experian is deliberately putting roadblocks in the way of the free credit report or doing a very good imitation of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX XXXX, I noticed several fraudulent inquires on my credit report. I have called all 3 credit bureaus to dispute these inquires. Company names are as follow ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Exeter Finance, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not authorized these companies to run my credit. I was approved through XXXX on XX/XX/2021 for an auto and I made my first payment on XX/XX/2021. I would like for these inquires to be removed immediately, thanks in advance.
Product: Credit card or prepaid card

I received an IKEA Projekt credit card from Comenity Bank  in XX/XX/XXXX. I ended up on 3 different promotional plans. One to expire XX/XX/XXXX. I made regular monthly payments of {$500.00} beginning in XXXX. In XXXX, I noticed a {$680.00} balance from the original amount of {$880.00} due on this " promotional plan. '' I called on XX/XX/XXXX to ask for the XXXX payment of {$500.00} to be allocated toward the remaining total. The representative stated the most she could allocate was {$190.00}. This was subtracted from my account on XX/XX/XXXX, and then added again on XX/XX/XXXX. My XXXX stated that my new balance was {$380.00}. See cut and paste from the bill below : PURCHASES & CHARGES XXXX PAYMENTS & CREDITS XXXX A {$190.00} CHARGE was ADDED to the XX/XX/XXXX promotional plan even though that was not reflected of new purchases. I called in XXXX. I made a {$500.00} payment, and an additional {$150.00} payment, per the advice I received. I called on XX/XX/XXXX. The remaining balance was the {$190.00} that I should not have had to pay at all, due to the fault in their allocation system. But because I wanted to avoid an interest payment or credit penalty in just a few weeks, I paid an additional {$390.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. All of these payments SHOULD have resulted in the XX/XX/XXXX payment being paid off as of XXXX, but instead I ended up with a {$2.00} interest charge for XXXX and XXXX, and that amount was outstanding on my bill. During a XX/XX/XXXX call, when I wanted to receive absolute assurance the account was paid off ( which I received ), I asked for an investigation. XXXX, the supervisor gave me a case number : XXXX XXXX XXXX. I made another regular {$500.00} payment on XX/XX/XXXX. I still had the {$2.00} fee on my XXXX bill. I called on XX/XX/XXXX, and received a {$4.00} credit for the interest charge and I was informed the {$2.00} charge was removed. I was also assured my credit was not affected. I was also told she would launch an investigation- but I was told that XXXX misinformed me, and no such investigation was launched XX/XX/XXXX as promised. *** The minimum payment due changed on each statement. But it ranged between {$230.00} to {$290.00}. I was always paying {$500.00}.
Product: Mortgage

PHH Mortgage underpaid our property taxes by {$1300.00} and we had a lien on our house as a result of their failure to pay the City our taxes. I would like PHH to allow us to close our escrow account and let us pay our own city taxes and homeowners insurance. 

After hours of phone calls they over-nighted the difference in payment on XX/XX/XXXX to the city and the lien was removed from our house. Since then they have charged us random amounts each month to make up for the low escrow balance and have been putting the majority of our monthly payments to escrow and not to our principal and interest. Since their initial mistake, the average breakdown of our payment each month has been 54 % to escrow, 30 % to interest, and only 16 % to the principal. 

We transferred money into the escrow account in order to have our contributions to principal and interest go back to a reasonable rate. They have recently refunded this " overage '' in our escrow, making it so we would again be short for our city taxes this upcoming year. On XX/XX/XXXX we requested by phone the paperwork to close the escrow account so we can pay our own city taxes and homeowners insurance. We never received the paperwork and called again on XX/XX/XXXX and they said they sent a letter indicating that we are not eligible to close our escrow account. We did not receive this letter, although we have had other correspondence from them. The customer service representative we spoke with did not know why we would not be eligible to close our escrow account. We have paid off 44 % of our loan. 

If they can not pay our taxes or estimate our escrow correctly and the majority of our payment goes to fund our escrow account, rather than principal and interest, we will be paying more in interest than we should be paying, especially over the life of the loan. 

I would like PHH to allow us to close our escrow account so we can pay our own city taxes and homeowners insurance.
Product: Checking or savings account

On XX/XX/24 I made a Ach transfer for XXXX $ They told me because they received so many transfers, mine was delayed for 3 days, although it was processed as complete on XX/XX/24. I called in for 4 days since XX/XX/24 and each time they told me to wait the 3rd business day.

They were using this one transaction to steal money from my account.

I would like to speak with someone from their bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX XXXX XXXX Account number : XXXX Date opened :XX/XX/2021 Account status : Open Status updated : XX/XX/2021 Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/2021 Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User
Product: Debt collection

I have been working to gain clarity of a matter with Convergent Outsourcing since I first received correspondence from them in XX/XX/XXXX. They sent me a letter dated XX/XX/XXXX that resembled a paper check from the outside of the envelope. Once opened, there are several different mailing addresses listed on the letter with repeated mention of XXXX  XXXX  XXXX, XXXX WA for accepting payment, the same address solely listed on the envelope without a business letterhead or address. After sending a debt validation letter, it was over 42 days before I received a response claiming a verified debt with attempts to collect, almost two weeks past the federal law limit. 

The documents received did not outline liability for the debt nor did I receive detailed information including proof of legal status to run this collection account, per my requests. I did my own investigation and learned that not only is Convergent Outsourcing 's po box address is not listed on their foreign business license in the state of Nevada ; but the information that I asked to be provided and had to find out on my own is unfair and inaccurate. Everything mentioned constitutes FDCPA violation also breaking Nevada state law. ( NRS 649-370, NRS 649-375 ( 2 ) ( 4 ), 15 USC 1692e ( 2 ) [ a ], 15 USC 1692f 808 [ 1 ] ) According to my records, after sending an initial debt validation letter XX/XX/XXXX, Convergent Outsourcing received my request letter XX/XX/XXXX. The letter I received back is dated XX/XX/XXXX but postmarked XX/XX/XXXX. This is another deceptive practice to attempt too collect upon a debt not owed. On XX/XX/XXXX, I sent a letter requesting further detailed information again regarding this purported debt noting the clear FDCPA violations already made. However, 30 days later and I haven't received a response. 

After reaching out in accordance to the FCRA, requesting verification of this account and demanding proof of legal rights to furnish confidential and personal information, Convergent Outsourcing has failed to follow up or give any details into their erroneous ways in a timely fashion. This account is linked to fraud activity/erroneous reporting from ( XXXX XXXX ), which is currently reporting on my credit. I need correspondence for my records to correlate the facts of this inaccurate matter and Convergent Outsourcing has made it beyond difficult to maintain proper recordkeeping by attempting to collect a debt under deceptive practices as well as unethical business structure.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX Personal Info : Employers : XXXXXXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage from XXXXXXXX XXXX company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to this.
Product: Checking or savings account

In XXXX XXXX XXXX  I had a checking account with Wells Fargo but ended up closing my account because of the issues I was having with my account. I was often charged for items that had been overdrawn or excessive fees were deducted.
Product: Credit reporting or other personal consumer reports

I am in the process of applying for housing and it has been brought to my attention there are various inaccurate information reports on my credit report. I am now opting out of any and all authorizations I, XXXX XXXX may have given Experian, XXXX, and XXXX either, written, unwritten, and non-verbal per 15 USC 6802. Experian is breaking the laws that protect me as a consumer. 

Violation of 15 USC 1681b - Permissible Purpose of Consumer Reports : All inquiries on my consumer report were made without proper permissible purpose, as I have not provided written permission or instruction. The inquiry from XXXX XXXX needs to be DELETED and REMOVED IMMEDIATELY. 

Violation of the Privacy Act 1974 : The credit reporting agencies have mishandled my personal information regarding student loans without proper authorization. Reporting student loans is a violation of FERPA and comprises my privacy of educational records that are not supposed to be disclosed. The accounts : Dept of EducationXXXX XXXX Dept of EducationXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  need to ALL be updated to PAID AS AGREED and CLOSED IMMEDIATELY. 

Violation of 15 USC 1666b : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This did not happen. Remove ALL late payments for account : XXXX XXXX XXXX IMMEDIATELY. 

Violation of 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) : It is illegal to report transaction history on a credit report. Experian is reporting my credit card balance which is hurting my utilization against my consent and is an invasion of my privacy rights. Adjust the utilization to 0 % for account : XXXX XXXX XXXX IMMEDIATELY. Still keep this account on the report. I do NOT want this account taken off my report, just for the utilization to be brought to 0 %. 

All of these inaccuracies on my report have caused emotional distress and I have impacted my quality of life due to these credit reporting agencies being in violation of the law and taking advantage of my consumer rights. Everything I addressed above needs to be rectified as 15 USC 1681n states willful noncompliance with the FCRA results in significant civil liabilities. Willful violations can entail compensation of at least {$1000.00} per violation, in addition to any damages incurred due to noncompliances. Continued violations after the initial complaint clearly demonstrate awareness of wrongdoing and disregard of my consumer rights. MY REPORT NEEDS TO BE UPDATED TO THE CHANGES STATED ABOVE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of unauthorized inquiries on my credit report. Upon reviewing my credit report, I discovered inquiries that were not initiated or authorized by me. These unauthorized inquiries are unrelated to my financial activities and should not be associated with my credit history.
Product: Mortgage

Was in the middle of loan Mod when separated from husband and did n't find out that loan Mod was denied due to lack of documents submitted. I was not notified it was going back to foreclosure or that it was set for sheriffs sale on XX/XX/XXXX. I found out first week of XX/XX/XXXX from a neighbor. I called Nationstar and they said it was too late to do anything because was less than 30 days to sale. I asked them to send me the loan Docs they were using to foreclose because I never signed the loan. My husband did as my POA but I never signed a POA for him to be able to do that. They said there were too many pages in my loan ( which was a sub prime loan with a variable interest rate done in XX/XX/XXXX ) to send me those documents. The property was titled in an LLC ( XXXX XXXX ) which went bankrupt in XX/XX/XXXX. The loan note however was only in my name. They sold my home at sheriffs sale XX/XX/XXXX for {$220000.00}. I owed only {$210000.00}. according to Nationstar. It appraised at {$200000.00}. I have a child only a year off XXXX recovering from XXXX XXXX and I 'm losing sleep worrying about this and why I have n't been notified of the sale or why they will not return my calls.
Product: Credit reporting or other personal consumer reports

15 US Code $ 1681c-2 a consumer reporting agency 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 

XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Balance : {$280.00}
Product: Credit reporting or other personal consumer reports

I have submitted several disputes with Experian, via certified mail & on the app but theyre failing to do a proper investigation or will update the account even when I give proof the account isnt mine or it was resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  Balance : {$1900.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The loan being reported as closed on my Equifax report with 9 missed payments was reporting being serviced by XXXX XXXX XXXX XXXX  on my XXXX credit report on the dates you report to have had my loan with XXXX  Please remove your account from my credit report completely due to inaccurate reporting pursuant to FCRA 15 US 1681 ( I ) section ( 5 ) ( a ) ( I ). I have uploaded my XXXX and Equifax credit report where the error reporting is made. If no changes are made I will pursue legal action against you and the credit bureaus.
Product: Vehicle loan or lease

I was approved for a motorcycle loan at a interest rate of 3.79 % and that was conveyed to me in writing when the bank draft was sent. After the draft was given to the dealer and deposited the bank then sent me a message to sign my loan documents. The loan documents now said an interest rate of 9.05 %. 
I believe this is a case of fraud since I was never advised of the rate hike or given a chance to accept or refuse the loan.