23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I noticed fraudulent credit inquiries which where unauthorized by me and Im requesting to have these deleted from my credit report as they were without my authorization.
Product: Credit reporting

I am filing a complaint against equifax, cause i have sent them a copy of my police report and a request to block a credit card that was opened fraudulently in my name with XXXX XXXX XXXX account # XXXX and they have not removed the fraudulent account per my police report. XXXX and XXXX have already token care of the fraud and equifax is not cooperating in getting this removed.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased Round Trip Airline Tickets from an online travel agency called XXXX XXXX. I paid {$3200.00} for those tickets using my Bank Of America Visa Travel Rewards Credit Card. I purchased 4x round trip XXXX XXXX tickets for XX/XX/2020. 

Due to travel restrictions imposed by both originating ( USA ) and destination ( XXXX ) governments related to the COVID-19 pandemic, XXXX cancelled my flight. 

I have spent endless hours on phone calls, of which i have recordings, with the online agency. They tell me that my tickets are non-refundable ( which is not true - they're lying in the hopes that they can hold on to my money ). 

I have contacted the airline, they assure me that my tickets are refundable. 

I have logged a complaint with the DOT, which was forwarded to the Arline, which re-iterated that my tickets are refundable, however i must go through the Agency to issue the refund - however the agency doesn't want to issue a refund. 

I have logged a complaint with the XXXX  against the Online Agency - this was forwarded to the Agency to which the agency responded that the tickets are non-refundable and that I must first resolve all my disputes before they ( XXXX XXXX ) can further discuss any potential resolution with me ( at this point, i don't believe them ). 

I have also submitted a dispute with my credit card company Bank Of America - whom, at first, issued a full refund to my Credit Card, but later re-charged my card for the full amount, siding with the agency claiming that the tickets were non-refundable. 

Ultimately, Bank Of America allowed a merchant to defraud me of my money when i was entitled to a full refund. 

As is always the case against corporate giants with deep legal pockets, the consumer is left holding the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company XXXX.
Product: Credit reporting or other personal consumer reports

I have no liability to I.C. SYSTEM, INC for they are a XXXX  party debt collector and I have contract no with them. I.C. SYSTEM, INC brought the debt from XXXX XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like I.C. SYSTEM, INC to provide me the direct contract between them and XXXX XXXX XXXX XXXX showing that they are authorized to collect for XXXX XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX  party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given a notice or a way to opt out of I.C. SYSTEM, INC, XXXX, and XXXX reporting this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is making it very difficult to place a FREE freeze on your credit as mandated by the FTC in XX/XX/XXXX. When you go onto the Experian website they make it seem like you can place the freeze online like XXXX and XXXX but when you hit " submit '' it states that you must request the freeze in writing my mail. Experian then gives instructions to mail personal documents with identifying information that if compromised, may further put myself at risk of Identity Theft. Experian also recommends that you send the documents via certified mail which cost me {$4.00} to mail to them. A credit freeze is supposed to be free so Experian either needs to reimburse the mailing cost or be like the other credit companies and let consumers freeze their credit on-line. It is my belief that Experian is making it more difficult for consumers to freeze their credit so that they can sell their monthly credit protection that cost {$20.00} a month and allows you to lock your credit similar to a freeze. I mailed the documents to Experian on XX/XX/XXXX and when I checked my USPS tracking number it showed that the paperwork was delivered certified mail to Experian on XX/XX/XXXX at XXXX. Experian was supposed to send me a PIN number to unfreeze my credit but as so XXXX I have not received confirmation from them that they have freeze my credit and my PIN number that will allow them to unfreeze my credit. A total of 10 business days have gone by ( not including today ).
Product: Credit reporting or other personal consumer reports

My identity was stolen earlier this year and this account appeared on my credit file in XXXX... Please remove I did not apply for any mortgage
Product: Credit card or prepaid card

I applied for a store card that was approved, however the bank that issues the card linked me to a previous address from a card I had with them Instead of the correct address used on the application in store. They have sent my card and other documentation to that previous address. I called the 3x and went back to the store that I applied for and made my purchase through. They want me to send a 5 sec video of myself and my iD along with a current utility bill through a link they text me to my phone which I refused all 3x. They will not correct the address but said they will send a letter with a pin code to verify me to that previous address. I asked them not to send documents there, I cant access the account online and they have done something in my eyes illegal by using an address I did not give them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a 2nd certified mail to the company with colored photo copies of my untility bill less than ( 45 days ), Unexpired Passport ID and SSN card challenging the errors and violations and mistake of identity of my name. To date, I received no response and no actions taken. Am patient but now it is way way too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about my account with the credit union because it has a credit card that I never had and though it was paid off and closed. My money was removed from my account and it was paid for without my permission. I filed a identification theft report to the police department.And I gave it to the Navy Federal credit union and its still reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The pandemic had impacted my health and my financial situation. I have been a victim of XXXX showing symptoms and being hospitalized in XX/XX/2020. Due to being negatively impacted by this pandemic, I did not have the capacity to contact my creditors and request a forbiddance before my payment due date. When I finally recovered, I reached out to my creditors about my situation, however, Santander bank had already reported my account ending in XXXX as delinquent with the credit agencies. I have spoken and sent a letter about my situation to Santander Bank as well as XXXX, XXXX, and XXXX  about my situation, however, the dispute has yet to be resolved. As a victim of the pandemic, I have experienced financial and severe health hardship, and was unable to utilize the forbiddance program that Santander offers before my due date, as my health and well-being were the main priority in XX/XX/2020. The creditor, Santander, and all of the credit reporting agencies must remove the delinquency on my credit report promptly.
Product: Checking or savings account

I had over XXXX taken out of my account without my permission or knowledge from my personal account and XXXX taken out of a business account. I called the minute it was discovered. They took my information told me I would hear in 10 days. I called 2 weeks later and was told they had denied me and would not be helping me at all.
Product: Credit reporting or other personal consumer reports

Pursuant to XXXX XXXX XXXX, I owe no debt ( XXXX ). 

My name is XXXX XXXX XXXX My name is NOT any of the following nor do I have any A.K.A. names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Any other address is NOT associated with me, XXXX XXXX XXXX. 

I, XXXX XXXX XXXX, has never lived/resided at any of the following NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act, the list of accounts below are INACCURATE, INCOMPLETE, UNFAIR, and has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX : # XXXX XXXX XXXX XX/XX/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, are all are INACCURATE, INCOMPLETE, UNFAIR, and has violated my federally protected consumer rights. 

XXXX XXXX XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXX years. 

XXXX XXXX. XXXX XX/XX/XXXX 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. 

This company is violating my federally protected consumer rights to privacy pursuant to XXXX U.S.C XX/XX/XXXXwhich states, in accordance with the written instructions of the consumer to whom it relates ; this company also has NO permission to report ANYTHING using my information pursuant to XXXX U.S.C XXXX XXXX which states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following unauthorized inquiries that have appeared on my credit report. I have never applied for credit nor given permission to the companies listed below to run inquiries on my credit report : 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 Additionally, there are other inquiries on my credit report that I do not recognize and did not authorize. These inquiries are as follows 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 inquiries were made without my consent or authorization. I request that these unauthorized inquiries be removed from my credit report immediately.

Please investigate these unauthorized inquiries and confirm their removal in writing. Enclosed are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 

Thank you for your prompt attention to this matter.
Product: Debt collection

The services were performed at XXXX XXXX hospital that was in our plan. I called To have them code it correct for insurance company to cover. They did not change it therefore. It did not cover it due to their way of billing it out. All other services changed the way the bill was sent and it covered it. Services was performed @ XXXX  XXXX  which was in our Ppo ... but they show it as XXXX XXXX which is not in our ppo ... tried to get them to correct and they would not. Which resulted in them not getting paid by insurance. 
The reason insurance did not pay is because they show it performed @ XXXX XXXX & not XXXX XXXX. The other doctors that saw him changed the billing to reference they at XXXX XXXX  and the insurance paid.
Product: Debt collection

As of Saturday XX/XX/XXXX, I received an alert from XXXX regarding a collections agency under the name AmSher XXXX XXXX for a collections account of {$5000.00}. This was reportedly from the original creditor XXXX XXXX XXXX, of which I've never had business with. Apparently this account was opened by Amsher on XX/XX/XXXX, I have never had any formal written notice, email, or communication regarding this. All I saw was the original fraud email sent by XXXX. I disputed this claim yesterday, however the results were verified somehow. Again, I've never had an account with XXXX XXXX XXXX or XXXX, so I have no clue how they even got my information.
Product: Mortgage

I am writing to receive assistance in getting my mortgage on track and up-to-date after my forbearance ended. 

At the time my forbearance period ended, Midland Mortgage purchased my mortgage from XXXX Mortgage in XX/XX/2021. I called Midland at that time and every few weeks since and each time I was told I was in the forbearance process and to please be patient it could take up to 90 days. I was told by Midland that they were trying to get any modification that was being processed by Dovenmeuhle- I told them I didnt think there was any serious attempt for modification by Dovenmeuhle because the loan had been sold. Midland asked me to be patient. 

I received a letter in XXXX stating Midland was processing my loan modification and Id have something in 10 days. I called and was told that the modification needed to be submitted to the VA for approval, afterwards I was told there was a Mistake by Midland and they needed to resubmit to the VA. I have been sent bills for the entire forbearance amount and Midland continued to ensure me I was in the process and not required to make any payment until a modification is determined. 

I was asked to submit documents for mortgage assistance a few months back and clarified with Midland that I wasnt applying for mortgage assistance and I wanted a modification per the CARES Act and VA guidelines. Midland told me to disregard any emails requesting assistance documents and everything was proceeding and I have nothing to be concerned about. 

A week or so ago, I was asked for more documents to apply for mortgage assistance and I must apply to retain my mortgage. 

I spoke to a manager who said she couldnt figure out what was going on and it didnt make sense and shed get back with me. 

I have recorded most all phone calls that describe what Ive outlined above. I started recording after a month or so when I was getting a strange feeling and felt like I was getting a run around.
Product: Credit reporting or other personal consumer reports

While paying my Citi XXXX  credit card monthly bill online in XXXX, I received an alert indicating that I was eligible for a credit line increase for which I decided to apply. The application was declined. I then received the above-mentioned letter from Citi XXXX  XXXX copy enclosed ) indicating that the reason for the decision was based singularly on number of accounts with delinquency I diligently keep track of my payments and ensure that they are paid on time. This was confirmed by my XXXX Credit Report which indicates XXXX  % Payment Made on Time. I have enclosed a summary of my XXXX Credit report documenting this. I then contacted XXXX and spoke to a representative who indicated that, except for high balances, I had no current delinquencies. XXXX opened dispute # XXXX, and the results indicate high balances ( which I expected due to medical bills ), however no delinquencies are reported. 

I contacted Citi Bank XXXX customer service on XX/XX/year>, for their assistance with correcting my account t and spoke with a representative named XXXX who instructed to send my request in writing to Citi Bank XXXX Credit Bureau XXXX which I did in XXXX. I received a response via a letter dated XX/XX/year>, asking me to complete an included form to provide additional information assist them with researching my dispute. I returned the completed form along with the results of the XXXX dispute # XXXX ( enclosed ) confirming that all the accounts incorrectly flagged by Citi XXXX  were Paid as Agreed. 

Instead of correcting my credit record, on XX/XX/year>, Citi Bank XXXX Sent me another letter dated XX/XX/year>, with the same form requesting the same information that I had already provided to them back in XXXX. To date, my credit record has not been corrected by Citi Bank XXXX.
Product: Debt collection

I got a notice from a debt collection agency that I owed some money from the cable company. Called the cable company XXXX XXXX XXXX XXXX and I do not owe anything. Called the debt collection company ( Diversified Consultants, INC. ) and was rushed off the phone when I started asking questions about the debt. They said they would " dispute the claim '' and then I was hung up on.
Product: Debt collection

I have been receiving multiple calls daily from portfolio recovery associates llc. They never contacted me in writing about what the debt was the details about it or the right to dispute. In the process currently of requesting the original purchase agreement from the creditor.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) 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 ( ii ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an XXXX XXXX card with the account number XXXX as an individual card opened on XX/XX/ with the status last updated in XXXX of XXXX 

This is incorrect. I did not open a personal XXXX XXXX card that month and I certainly do not have that specific card right now. 

I have two XXXX XXXX cards that were opened in XXXX of XXXX that are correctly being reported as individual cards. This individual/personal card opened in XXXX, however, does not exist and I am very confused as to why this XXXX XXXX account marked as an " individual '' account is present.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has violated XXXX laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute. 
I have spoke with XXXX XXXX XXXX XXXX numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with XXXX XXXX XXXX XXXX since early 2022 and haven't got any results.
Product: Debt collection

I have received multiple phone calls from this collection agency and I do not know who they are.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized accounts and transactions on my credit report that I believe are a result of identity theft. I recently discovered that my personal information has been used without my consent, and I suspect that my nephew may be responsible for this fraudulent activity. Below, I have outlined the unauthorized account and transactions that have been reported on my credit report XXXX XXXX XXXX XXXX XXXX 
I believe that my nephew may have used my personal information to open this account and carry out these transactions without my knowledge or consent. I have reason to believe that he had access to my personal information, such as my Social Security number, date of birth, and other identifying details, which could have been used for these fraudulent activities.