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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX Dear CFPB, I have been disputing with Equifax for over 7 months now trying to remove some illegal and unauthorized inquiries from my credit report. All I get in response is The information you disputed has been received. The results are : Inquiries are a factual record of file access and will remain on the Equifax Credit File two years from the reported date of the inquiry but what if those inquiries are illegal and unauthorized? Dont inquiries need to be verified just like accounts? I know that the inquiries werent verified because of the time frame from when they received my disputes and their reply back, it is like 3 days, too quick for verifying data, to me. 

That being said let me say I want the following inquiries deleted from my credit report for a few violations that Equifax has committed. I want Equifax to delete these inquiries for violation because they ( Equifax ) are still continuing to report these inquiries without ever verifying them in the last 7 months and I want Equifax to delete these inquiries for violation because these inquiries obviously do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. 

The following is a list of inquiries that need to be deleted from my credit file : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Again here are the violations being committed by Equifax when they dont delete the inquiries above in the list : - They ( Equifax ) are continuing to report these unverified, illegal and unauthorized inquiries without ever verifying them. 

- These inquiries do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. 

- Failing to provide documentation and method ( s ) of verification when asked for within the 30 day time allotted window ( see letter dated XX/XX/XXXX and letters dated XX/XX/XXXX ). 

- Failure to do an investigation and an independent re-investigation ( see Letter dated XX/XX/XXXX ). 



Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account on my XXXX, XXXX and XXXX credit files that I do not recognize, the account is showing with a status of charged off but the problem is that I never had an account with this company called XXXX XXXX XXXX the account number that it is being reported is XXXX and there is no phone number being reported and it is also showing that the account was opened on XX/XX/2017, I have disputed this account with XXXX  , XXXX  and XXXX  and for some reason they tell me that the account was verified as accurate. XXXX, XXXX and XXXX  are reporting this account as charged off, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want XXXX XXXX XXXX to provide me with the original contract that has my signature on it or for the account to be deleted from all of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX  XXXX Bankruptcy US BKPT XXXX  FL XXXX XXXX XXXX XXXX U.S. Bankruptcy U.S. Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

On XX/XX/year> I had signed my loan modification for {$270000.00} with Nationstar Mortgage LLC to prevent foreclosure on the property that I was managing as the executor of my deceased mother 's estate. We faced rent issues as well as maintenance problems which forced us to be behind our payments. We had contacted Nationstar Mortgage LLC and they approved our loan modification request twice. While in the final stage of the loan modification, Mr. Cooper decided to sell the mortgage to another lender XXXX XXXX XXXX XXXX XXXX. 
Nationstar Mortgage LLC was contacted and confirmed that the new lender would honor the terms of the loan modification, which was concluded to be a lie. The new lender has decided to ignore the loan modification agreement and stated that they don't have any loan modification requests from Nationstar Mortgage LLC. This is an unprecedented violation of a consumer 's right to save a property as the lender has decided to wrongfully ignore the loan modification.
Product: Checking or savings account

I am filing a complaint with the CFPB to open up an investigation on why my paycheck from my employer wasn't deposited, and my transfer of funds to a another account have not occurred. I would like access to my funds expeditiously. This is now going on 4 days of me not being able to withdraw or transfer funds. After investigation I would like a copy in full of the resolve. I would like any and all fees charged to me to be covered by Capitol One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I have been in the market to purchase a investment property. With my credit being pulled by my lender I have been getting bombarded with calls from other lenders. One lender in particular XXXX XXXX I have told the representatives 5 times in counting to put me on their DNC list, but I continue to receive calls. 

The two phone numbers that are calls are XXXX XXXX I have received XXXX calls today XXXX and have been getting calls since XXXX At XXXX pm XXXX I spoke to a person by the name of XXXX XXXX He was very rude and when I told him I requested to be put on the DNC he continued to talk over me and try to sell and ask what I was looking to do. He was very unprofessional.
Product: Checking or savings account

Opened account Bank of America. Promised promotional monies. Never delivered even though requirements were met. Filed previous complaints and never heard a word from Bank of America and yet CFPB keeps closing the complaint. Do you work for them or me? They have done nothing but lie to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The personal data reporting is inaccurate.
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with CREDIT COLLECTION SERV plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out because someone tried to open a few different credit card accounts in my name. I was alerted about the fraud by XXXX ( my actual bank ), via their credit monitoring service, that multiple hard inquiries were done on my credit. Hard inquires were done by Citibank, XXXX XXXX, and XXXX on my XXXX report. Citibank also pulled my XXXX report. The aforementioned applications are fraudulent. I reached out to the credit bureau 's and froze my credit ( the hackers/fraudsters who are impersonating me tried to open an account with XXXX while my credit was frozen but it appears that inquiry was blocked accordingly ). I also reached out to each of the institutions listed above to alert them about the fraud. According to the companies, those applications were marked as fraudulent and are in the process of getting pulled from their systems or an investigation was started by each company. That being said, in order to dispute the hard inquiries on my credit reports I needed to file a complaint with the FTC. When I tried I got transferred over to this website and that basically bring things up to the present moment. With this, I filed a police report with the XXXX Police Department earlier today to make sure all of my bases were covered. I can provide the report number or a copy of the police report upon request. I hope this can help resolve things somewhat cleanly since this is the second time someone tried to open accounts in my name in the past year. I was told fraud alerts were sufficient deterrents against this problem and though they were a good first line of defense, freezing my credit seems to be the only thing that will deter these fraudsters. I make a modest living and I worked for years to get my credit into a good place. Having that tanked by bad actors would quite literally ruin my life. I will be keeping my credit frozen for the foreseeable future and I recommend everyone does the same whether or not they have experienced a situation like mine yet. Thank you in advance for helping to resolve this matter.
Product: Debt collection

Navy Federal Credit Union has frozen my accounts due to unlawful actions in the order of A XXXX Application of {$6700.00}. SCRA-Service Care Relief Act is in effect to protect me by law from unlawful incriminations. I went to the XXXX XXXX Office to dispute this incrimination on XXXX XX/XX/2023 and received an Exemption Letter being that I'm an XXXX XXXX Service Member. They faxed the exemption letter to Navy Federal and they received it on XXXX XX/XX/2023 at XXXX XXXX 

Effective frozen date XXXX XX/XX/2023 The date they sent the letter : XXXX XX/XX/2023 Date I received the letter : XXXX XX/XX/2023 2023
Product: Debt collection

Since XXXX Portfolio Recovery has been attempting to collect {$620.00} on an account I closed over 7 years ago with XXXX XXXX with a XXXX  balance. The card was a secured card and the deposit was used to close out the account. In XX/XX/XXXX I expressed my frustration with the original creditor, XXXX XXXX, and they agreed with me and gave me a new credit card account! For the past 4 years, however, I have repeatedly disputed the previous account with Portfolio Recovery and they have not been able to provide me with substantial docs necessary to substantiate the debt. 

On XX/XX/XXXX I filed a formal complaint with the IL Attorney General 's office regarding this matter. I was told that per law Portfolio Recovery is to provide the following docs to me in writing. 

1. Original Contract between me and XXXX XXXX 2. Payoff disclosure provided at the time I opened the account 3. Interest rate disclosure 4. Balance history 5. Payment history 6. Credit insurance disclosure I have requested these items from Portfolio Recovery and they have refused to provide them. I demand that PER LAW they either provide these docs or delete this account from my credit report.
Product: Credit reporting or other personal consumer reports

Credit reporting ensures that bureaus report only 100 % accurate credit information, therefore my XXXX XXXX Acct # XXXX needs to be re-investigated. I initially requested for this account to be validated, with no response.

FCRA section 611, gives me the right to request an explanation of the verification method used. Also this inaccurate information is reporting two times on my report. This is a paid closed account and should not be reporting negatively.
Product: Debt collection

Was notified via an alert on my credit monitoring that First Financial Investment Fund had placed an collection on my credit report in the amount of {$260.00} for a debt that I do not have. I do not owe any creditors. I did not receive notice of right to dispute nor did they provide enough information to verify debt. i.e. amount of debt & name of creditor
Product: Credit reporting or other personal consumer reports

This morning, I saw that my credit report contained false accounts, and I dont know why. I checked it as usual, but suddenly there were inconsistencies. I tried refreshing my browser thinking it could be a temporary glitch, but nothing changed. Because of this, Im requesting a thorough review of the documents Ive submitted to ensure this doesnt happen again.
Product: Credit card

On XX/XX/2024 - I emailed Best Buy/Citi inquiring on how to remove authorized users from my account. They instructed to tell me the only way is to speak to an agent. I did not have time to sit on hold for long periods of time and if there was no access to do this online via their website, that I would just report the cards lost in order to avoid future charges.

As of this date they blocked my complete access online to view/manage my account. As of this date ( XX/XX/2024 ) I have no access to view any transactions, statements or make any changes/updates to my account. 

My account was set for automatic payments and I dont have access to stop the payments as they have blocked my online access. On XX/XX/2024 they auto charged my bank in the amount of {$710.00}. As a consumer, I have the legal right to view, agree or decline any charges incorrectly billed on my account. How can they charge their consumers for transactions that can not be validated or confirmed? With the amount of identity thefts and credit card fraud they are required to provide the consumer with details of the charges tied to payments they deduct. 

I have requested a refund from the bank until I can review/ validate any and all transactions on my account before making a payment. 

I am attaching proof of my account access which shows a {$0.00} balance, {$0.00} transactions, no statements and NO minimum payment due yet are being deducted {$710.00} for " charges or statement balances ''. How can they charge me that amount when my account shows XXXX transactions or amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe Equifax is reviewing my dispute correctly. I have provided them with evidence that this information is reporting inaccurately by the furnisher and they have not removed it from my report.
Product: Debt collection

on XX/XX/2021, i sent a letter to MIRAMED REVENUE GROUP , LLC about a alleged debt of XXXX that i dont owe that MIRAMED REVENUE GROUP , LLC are reporting on my credit report.it is inaccurate and needs to be deleted. i sent the letter usps ceritifed mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Tue, XX/XX/XXXX, XXXX XXXX
Product: Checking or savings account

Hi, Last week I deposited a check to my SoFi account. The check was due to clear the account today, XX/XX/XXXXXXXX XXXX 

When I logged on to my sofi account this morning, I noticed that the check had posted to my account and subsequently been reversed. 

I asked Sofi customer support for assistance, and they told me that the person who wrote the check had stopped payment on the check. 

I was not aware payment had been stopped, and Sofi suggested I contact the sender of the check, which I plan to do. They also, bizarrely, told me check deposits needed to be in excess of {$500.00} which sounds very strange to me. I've never had a problem depositing small amounts in the past, and that's not normal for a bank to prohibit transactions under {$500.00}. 

At XXXXXXXX XXXX someone from Sofi called and left a message. I was not available, but called back at XXXX. 

According to the representative I spoke with : 1. My account has been frozen, and placed on " restricted '' status.

2. A " specialist '' is investigating what happened 3. They are unable to give me a timeline for when my account will go back into normal status.

4. They threatened to close my account if someone stops payment on a check again. 

I find all of this bizarre. If someone writes a check to me, my presumption is that the check is going to be good. If they stop payment or have insufficient funds, that is the fault of the check writer and not the depositor. 

I therefore am frustrated that my account has been frozen. 

I am not getting paid for a few days so there is not much money in the account, and it's not a big deal. However if Sofi randomly chose to freeze my account after I got paid, when my bills need to post, I would be in deep trouble. 

I asked to speak to a manager and was informed no manager was available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a list of items that are to be removed from all my report ( s ) OR accounts due to the information being in inaccurate. 
Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXXAddresses Addresses XXXX XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Multifamily Phone Numbers ( XXXX ) XXXX
Product: Debt collection

Received a phone call from XXXX and associates out of XXXX XXXX, California stating that I have a credit card debt for almost {$6000.00} and to settle out for XXXX. I checked my credit report and I have no file or record of the account they are talking about they are threatening to subpoena me, but I don't have any records of What they are talking about. I'm thinking that they are trying to scam me.
Product: Mortgage

I received a telephone call from Mrs. XXXX XXXX ( phonetic ) of Chase Bank executive office who stated, they approved my reimbursement of {$2000.00} with regards to the City of XXXX, NJ vacant property registration fees and that it take SEVEN to FIFTEEN DAYS to receive my check. I reminded Mrs. XXXX that Chase Bank AGREED to reimburse for my expenses as well. PLEASE READ CHASE BANK 'S STATEMENTS TO THE CFPB DATED : 2016XX/XX/XXXX COMPLAINT # XXXX, " Regarding the XXXX, New Jersey Vacant Property Registration fees and charges, PLEASE SEND US AN ITEMIZED BILL SHOWING THE FEES CHARGED, INCLUDING AMOUNTS, DATES AND TYPES OF FEES, SO THAT WE MAY REVIEW ALL FEES THAT YOU PAID. Please send to : Chase Information Request XXXX XXXX XXXX XXXX, OH XXXX '' Despite requesting to be reimbursed for ALL of my out of pocket expenses, Chase Bank refuses DESPITE TELLING THE CFPB THAT THEY WOULD! In addition, Chase Bank stated to the CFPB that they did not receive my documents requesting assistance from them. PLEASE READ CHASE BANK 'S STATEMENTS TO THE CFPB DATED : XXXX COMPLAINT # XXXX, " OUR RECORDS DO NOT INDICATE THAT WE RECEIVED A COMPLETED APPLICATION WITH THE REQUIRED DOCUMENTS REQUESTING ALTERNATIVE PAYMENT ASSISTANCE ASSOCIATED WITH THIS LOAN. '' I previously submitted OVERWHELMING proof that I sent the documents to Chase Bank regular, certied, express mail & facsimile and I have attached a copy of the same in this complaint as well. More importantly, I read complaint ( s ) on the CFPB where citizens made similar complaints about Chase Bank lying stating that they did not receive their documents. Once again, I am requesting to be reimbursed for ALL of my expenses and I am requesting to reimbursed for Chase Bank INTENTIONALLY LYING TO THE CFPB by stating they did not receive my documents when in fact, I am/have submitted proof to the CFPB to disprove Chase Bank 's lies. I am submitting my itemized bill for reimbursement with regards to my expenses related to the City of XXXX Vacant Property Registration fees.Parking fees : {$100.00}, Gas : {$50.00}, Court Appearances & appearances with City of XXXX Officials ( approximately a dozen or more ) : {$1200.00}, Clean up & debris removal from XXXX XXXX XXXX XXXX XXXX, NJ {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FLXXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FLXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$50.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX  I did a loan with my Fiancee at the time and was told I would be the main Buyer on the Account. I was the main buyer and never gave authorization for them to let anyone access account. After calling in and speaking to different representatives I was told that they let her access my account several times without my knowledge. I am asking that Ford Motor Credit be deleted off of my credit report for late payments be fixed I have made all payments on time to Ford Credit and ask that Ford Credit or all three credit Bureaus provide proof that these payments were late. I traded this vehicle in XXXX XXXX XXXX