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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : AT T ) XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XX/XX/2019 for {$810.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Product: Debt collection

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX.
They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq.

and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq. 
This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 
2 This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( 1 ) The name and address of the organization or other governmental unit alleging a debt ; ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( 3 ) The name of the actual creditor even if that is myself ; ( 4 ) The origin of the funds used to create this alleged claim of a debt ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.

( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. 
( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 
( XXXX ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year> a check from my credit union was sent to make a payment. The amount of {$XXXX} was mailed to XXXX. The check was cleared by XXXX  on XXXX XXXX. As of today the payment was not posted to my account. On XX/XX/year> they added an interest fee to the account. Im currently doing an investigation with XXXX  but I was told it with take XXXX additional days to resolve. I want this matter resolved and satisfied.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Company continues to place incorrect information on my credit profile causing me to not be able to provide for my family financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE
XXXX XXXX XXXX XXXX
AUTHORIZED USER
Credit usage
40%
Balance XXXX
Balance updated
XXXX XXXX XXXX  Credit limit
XXXX
Account info
Account number
XXXX  Open/closed
Open
Date opened
XXXX XXXX XXXX
Account type
Credit card
Status
Open/Never late.
Status updated
XXXX XXXX Highest balance
XXXX
Monthly payment
XXXX
Last payment date
XXXX XXXX XXXX
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX  Phone number XXXX XXXX
Product: Debt collection

I am filing to dispute all inaccuracies on my credit report with XXXX.
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. 

XXXXXX/XX/XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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

Transunion and  XXXX  has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score d rop dramatically.  XXXX   XXXX  is the collection agency and the original creditor is American homes for rent. I have also disputed this collection directly with the  XXXX  credit bureaus and has heard nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to add my voice to the chorus of outrage about Experian, a company who says its dedicated to making your life better. On XXXX XXXX XXXX I applied for a credit report in order to qualify as a co-signer on a loan. It was my understanding from the financial services company XXXX  that it would cost {$1.00} to get the report. I applied for the report online via a link that was provided to me in an email from XXXX. I clicked the link, filled out application form, and received the report. Two months later while reviewing my credit card statements for XX/XX/XXXXand XX/XX/XXXX I noticed charges for {$29.00} from Experian. It took me a while to figure out that Experian had signed me up for a membership of some kind. Tried calling membership cancellation and was on hold for more than an hour. Tried calling every number I could find to talk to a real person at Experian with no luck. Finally I selected Technical support from their automated call system and a nice young man named XXXX cancelled my membership and explained that he was able to refund only one of the charges. This company who says that they want to protect consumers against credit fraud -- needs to examine and revise their business practices. If this is the way they choose to generate revenue, they are at the very least deserving of the kind of reputation of companies like XXXX XXXX for their shoddy and corrupt business practices.
Product: Credit reporting or other personal consumer reports

This hard inquiry was reported without my written consent and is a result of identity theft. Please delete this item from my consumer report My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all other addresses immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the information provided by your organization regarding inquires : An inquiry refers to a request to look at your credit file, and it generally falls into one of two types : Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.
Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score.
This is the definition of the two types of inquiries used consistently when researching about the impact of inquiries on credit scores. I am concerned that Navy Federal Credit Union does a hard inquiry on credit reports when changes are requested on existing accounts such as credit limit increases. This practice has a negative impact on credit scores for an extensive amount of time ( 2 years ) and is n't a fair practice for consumers. A credit limit increase is typically not considered a new application by most financial institutions and should not be viewed as such. Please review this practice.
Product: Debt collection

Portfolio Recovery continues to call and always uses a different phone number. The reps sit on the phone and don't speak. I want the harassing and scarey calls to stop.
Product: Credit card or prepaid card

Approximately 2 months ago I've applied for an American Express card. 
My application wasn't instantly approved and Amex request me to complete a 4506C so they would receive my last tax returns transcripts from the IRS to verify my income. 

I've submitted the 4506-C form and in approximately 2 weeks amex was able to verify my income and received a email from amex stating that my application had been approved and if i've accepted it amex would report a hard inquiry on my credit report.

I've accepted the offer and the account was opened.

2 weeks after my account had been opened I received an email from Amex stating that my mobile number needed to be verified.

I called Amex and the representative start asking me questions about my work. I was under the impression that Amex needed to verify my identity and when the rep asked me the companies that I've worked for I mentioned the 2 companies that were been reported on my credit report.

I've never stated Amex that I was employed since I've been self employed for the past 11 years.

The representative informed me that she was from amex financial review department and she I would need to submit some documents so amex could complete the financial review.

The representative requested my last 2 bank statements, which I've provided immediately and she also requested my last 2 recently paystubs.

I explained the representative that I did not have paystubs since I've been self employed for the past 11 years and that was the information I've provided on my application and Amex was able to verify the accuracy of this information thru my tax returns transcripts, which stated the exactly same income I've provided during the application.

Even having the knowledge that I'm self employed, the representative said that unless I've provided Amex with my 2 last paystubs, my accounts would end up been canceled.

I've tried to speak with a supervisor but he reaffirmed that unless I provided Amex with paystubs, my accounts would be canceled.

It seems that Amex just wanted a reason to canceled my account 's since I've never claimed to be an employee and they keep insisting on documents that I can not provide even after they verified my income thru the transcripts they've received from the IRS during the application process.

It's absolutely unfair for Amex to close my accounts since my credit worthiness haven't changed, I've never had a return payment, I've never provided any inaccuracy information and I was able to prove my income thru my bank statements and tax return transcripts.

Although im a us citizen, I still have an accent and I feel that just wanted a random reason to cancel my accounts and they are not complying with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an error collecting payment that has processed. The company reported late and says they can not go back and fix what is already reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX Original Creditor : ) XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation
Product: Debt collection

I sent an email to the company after I discovered the loan is not legal in the state of Alabama which I am a resident of as they must be licensed in my state which they are not. Below is my email and also their response.

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Alabama in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$500.00} on XX/XX/18 and have paid {$1200.00} back.. This results in an overpayment of {$760.00} At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$760.00} overpayment. A refund check of {$760.00} should be mailed to me at the address you have on file. 
I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.Also do not call my place of employment as my employer forbids these calls.Any communication in this matter you can send thru my email, XXXX XXXX XX/XX/2018 tal Amount Due : {$390.00} Hi, You have remained unresponsive to our requests. Our efforts to build on the mutual engagement and cooperation have been documented. Act now if you are still interested in setting up biweekly payments of {$78.00}. If you need a more flexible arrangement please reach out to me. 



If you are not able to respond to this email, please call me as soon as possible, XXXX Thank you, XXXX XXXX. 

XXXX XXXX XXXX cid : XXXX Direct Line : XXXX Toll Free : XXXX ext XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not find an option that matches my complaint but selected this option. I have a account with XXXX with a excellent payment history.They outsource their Customer Service/Billing Dept. to XXXX or XXXX and half the time a customer can not understand what they are saying or they provide answer to question you did n't ask. It frustrates the customer that causes to agree to anything just to get help. 
A few months ago I was diagnosed with XXXX XXXX and called XXXX XXXX to notify them and to get assistance with my account that would not affect my credit. They refused to assist with my account therefore I did n't have a choice but to allow the account to become past due. Although on the first call you tell them the financial hardship, they called me 4 -5 times a day asking for payment and telling the customer to borrow the money to pay them. I got so frustrated and stressed that I stop answering the phone. To harass the customer into borrowing money to make the payment, they started placing the same derogatory item on the customer 's credit report twice a month. Due to my identity had been compromised, I have a credit monitoring service. In the past 2 months, XXXX reported the same information on my credit report 2 - 3 times in the month. I started questioning if that was legal. Below are the dates of everytime XXXX reported the same information as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and continues the harassing calls. For the most part, my other creditor assisted in keeping my account current where I would not have any derogatory information on my credit.
Product: Mortgage

We represent the seller in a short sale with Bank of America on an FHA loan. The purchase contract and documents were submitted through XXXX in XX/XX/XXXX. There is a cash offer for {$330000.00} and after 7 months of back and forth with the lender they finally approved the short sale on XX/XX/XXXX. the approval letter was sent to us via XXXX on XX/XX/XXXX and the close of escrow date on the letter was XX/XX/XXXX. This is not possible with XXXX homeowners associations. I asked for a one week extension to allow title time to order the demands for the closing. The closer at Bank of America said she had to put in a variance with HUD because the ATP was expiring on XX/XX/XXXX which was ordered on XX/XX/XXXX. On XX/XX/XXXX we received a message in XX/XX/XXXX and also a denial letter that HUD ( the investor ) denied the extension. The complaint is that after 8 months of many hours poured into getting a cash buyer approved for a pre-foreclosure property the file was approved and then denied with in a few days with no answers from any party. We need resolution contacting Bank of America and HUD because many people are involved here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that is not mine I asked them to send me verification and they sent out a billing statement nothing more .... I disputed it again with the credit bureau and they said they verified the account but how when they only sent me a billing statement I keep disputing this and filling complaints over and over and over and over it is not my account the people who put it on there repeadly say they can not speak to me about this account ...  .I  even got it deleted in  XXXX  and they put the account back on my account and changed the amount owed just to place it back and even changed the name