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

My problem is back in XX/XX/XXXX Factual Data ran three separate hard inquiries three separate times in the same month of XX/XX/XXXX for me to try to qualify for a mortgage through XXXX XXXX. 

What happened is I now have a total of nine inquiries ( 3 per bureau ) instead of them being considered as one inquiry per Buereau which artificially inflates the quantity of inquiries by 9 overall instead of one time per bureau for a total of 9 inquiries.

So I keep getting denied credit for a mortgage or credit cards for having to many inquiries. 

On XXXX XXXX, XXXX our home was damaged by the tornado on that date in XXXX TX and we needed the loan for repairs. 

XXXX XXXX required a middle FICO score minimum of 680 and I had a 679 and they refused to waive the one point. They insisted these hard inquiries would be considered as one hard inquiry per Bureau. 

So our home almost a year later remains unrepaired because I still can't qualify due to the amount of inquiries and they say they can't ( wont ) request the correction. 

Factual Data tells me they won't request a correction either. The pulls are dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Please help as our livingroom exterior wall and roof are exposed to the elements ( roof is tarped ) and I can't qualify for the financial resources for repairs.

Appreciate anything you can do for Factual Data to do the right thing. The reason for pulls given by Factual Data in my credit reports is only listed purpose as for a mortgage to only XXXX for all 3 times but XXXX  counts them as 3 times, not one anyway.

Factual Data listed the pulls for the other two bureaus as Miscellaneous Rplg. Agencies. Not as being for a mortgage.

Please Help. We suffered in the home with 8 degree Temps during the recent Freeze.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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
Product: Debt collection

Attempted to contact me after I asked them to stop texting me. This information was not transferred over after the moved the supposed debt to another company
Product: Checking or savings account

I took a payment onXX/XX/XXXX after that my account went under review and then I got an email saying my account was suspended and they were holding my money for 90 days. My client already use the service I provided and is happy with it and Square wont release my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, Little Elm, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
po box XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the XXXX system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Hello, there is a child support account reporting in my credit reports from the XXXX XXXX XXXXXXXX but, I don't have any children. I think that this may be someone else 's account reporting in my report. I sent dispute letters to the credit bureaus ( Experian, XXXX, and XXXX ) but have not heard back yet. Please have the credit bureaus remove this incorrect account which is not mine from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$11000.00}. 

This complaint is my follow-up to ensure that the listed accounts are investigated.
Product: Mortgage

On XXXX XXXX, XXXX I obtained a Chapter XXXX discharge. I own my home and have a mortgage serviced by Seterus. In spite of the bankruptcy I filed a Statement of Intention that I wanted to retain the home and make mortgage payments. Since the bankruptcy concluded in XXXX, XXXX I have been making mortgage payments and I believe I am current. 

However, Seterus refuses to resume sending periodic statements to me in spite of recent written requests. My most recent written request was on XXXX XXXX, XXXX. On XXXX XXXX, XXXX XXXX wrote back that they are voluntarily refusing to send monthly statements to me. This refusal is wrongheaded as it makes it more difficult for me to stay current with payments and it violates the most recent Reg Z Amendments XXXX which require mortgage servicers such as Seterus to send the statements upon request. I assume Seterus 's actions are based upon company policy and impact every other former chapter XXXX debtor which has a loan serviced by Seterus that wants to keep their property.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the detailed explanation required by Regulation X, 12 C.F.R. 1024.41 ( d ). 
also under the National Mortgage Settlement there is not a provision on the amount of delinquency or that 3 years being delinquent is reason to disqualify the file from review. The lender stated the because the Borrower applied and was denied in 2014 and they are 3 years past due making the borrower permanently barred from loan modification services. 
Pursuant to Regulation X, 12 C.F.R. 1024.41 ( h ) ( 4 ) we hereby request that you leave this modification offer open until a minimum of 14 days after a decision is made with respect to this appeal. We simultaneously ask that foreclosure be suspended in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquires that I did not authorized nor do I have any accounts with these companies. Please remove from my credit report. I have contacted those companies and they have verfied I do not have any accounts opened. 

XXXX XXXX XXXX IN XX/XX/ XXXX XXXX XX/XX/ XX/XX/XXXX
Product: Credit card or prepaid card

AMEX XXXX And the FTC. 

These people lie about everything. When I protested they sent police. They got me put in a XXXX. We left the state because they destroyed our lives. They continued to pursue the charges relentlessly, hiding evidence of criminal fraud and passing from department to department because no one will ever hold them accountable. 

They are no better than the criminals. They are even worse, they process the transactions for the criminals.
Product: Credit reporting or other personal consumer reports

Dear CONSUMER PORTFOLIO SVC, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : CONSUMER PORTFOLIO SVC, XX/XX/year>2023. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores . One of th ose factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in  2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notice of adverse decision from a financial institution made in reliance on an Equifax report. Since then, I have made numerous attempts to contact Equifax ( both online and over the phone ) to receive a copy of the report under the FCRA. Neither their online systems nor automated phone systems are processing the FCRA requests ( i.e., the online system is " unable to deliver [ my ] credit file '' directing me to the automated phone since, which is similarly fruitless ). Despite my repeated attempts ( in some cases involved more than ~40 minutes of hold time ), I have been unable to connect with a live representative about the matter to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. 

I would like to file a complaint on XXXX  XXXX Account # XXXX in the amount of a {$800.00} Credit Limit as well a XXXX XXXXXXXX Account # XXXX where both accounts are now showing on my consumer file as delinquent. 

I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking with my daughter and providing her with information regarding this debt advising debt information on a few occasions as well as via text messages, this violates 15 USC 1692 ( b ) ( 2 ) also by submitting XXXX XXXX Post cards/mail with logo which violates 15 USC 1692 ( b ) ( 4 ) ( 5 ) 15 USC 1692 ( d ) Harassment or Abuse this debt collection agency may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limited the general application of the foregoing, the following conduct is a violation of this section. This debtor has done so by repeatedly and continuously harassing me by causing telephone to ring, with the intent to annoy abuse and harass my daughter and I. 



I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.
Product: Money transfer, virtual currency, or money service

On XXXX I received an invoice from PayPal from whom the business customer uses their invoice services to receive money, due to high call volume they were advising to message the reps on an issue that I could not do myself, So on XX/XX/XXXX I sent a message stating that I have a problem with a service that was not rendered and I am not able to dispute the transaction, matter was looked into and then I had to link the card that I used to pay upon doing this a rep by the name of XXXX stated I was protected under the buyer payback protection as long as it was within 180 days, ok so upon looking at the day I purchased I was within the timeframe because I reached out on XXXX and followed up today XXXX purchase was done XX/XX/XXXX, so she comes back to say that PayPal can not go no further back on transactions before XX/XX/XXXX, she would not escalate the situation as I asked her to, her last response was she respect my decision, so I am asking PayPal to refund my XXXX because their business customer has not fulfilled a service that I paid for I was well within the 180 mark as she stated was your policy, the whole conversation is within my message inbox
Product: Debt collection

On XX/XX/XXXX I sent a letter of validation to this company as I have never given XXXX XXXX XXXX to release my medical information to a third party/or American Adjustment Bureau , INC. With no RESPONSE. I understand that HIPPA does allow for limited information about me but any details may only be revealed with patient authorization. On XX/XX/XXXX I made a complaint to XXXX  explaining my situation/ Asking the company for a validation of debt/To provide a copy of my signature with medical provided of services to release my medical information to this company. On XX/XX/XXXX I was provided with a medical itemized bill that described medication , Dr names/ procedures allegedly done, However no copy of my signature with medical provided of services to release my medical information to this company was provided. In fact the answer to the complaint read " Be sure, Your XXXX was not released by the provider The basic information to release the debt was released Which its FALSE this letter contains quite a few VIOLATIONS. I am XXXX XXXX, consumer, and natural Person, am aware of all my RIGHTS which are protected by the congress under the fair Credit reporting ACT. This account has violated my rights to privacy and confidentiality under U>SC 1681. 

1. American Adjustment Bureau , INC. # XXXX XXXX15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

I'm demanding this account to be DELETED immediately, Unless they want to be held {$1000.00} per violation.

In accordance with the Fair Credit Reporting act has violated my rights. 15 U.S.C 1681 section 602 A. American Adjustment Bureau, INC. # XXXX XXXX15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

States I have the right to Privacy. U.S.C 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 166b A Creditor May not treat a Payment on my credit card account under an open end consumer credit plan as late for any reason..
Product: Credit card or prepaid card

Hello! I am being charged numerous late fees and interest on a card I no longer use. It 's a Chase Freedom Ink card. I had not received any notice that there was an amount due. I have been a loyal long time customer of Chase and I called to have some of the fees waived to make this more manageable. It 's unfair to charge a person late fees when they were n't aware of a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the Company that is holding my account " XXXX XXXX '' multiple time this month XXXX XX/XX/XXXX. I've also been contacting XXXX XXXX on behalf being the company that submitted my account to collections. I spoke to a representative from XXXX and my account was never supposed to go into collections. XXXX XXXX on the other hand wants to hold my account and will not remove it from my credit report because there saying they don't have the capability even though they do. Now I've spoken to XXXX and they are submitting a courtesy deletion to XXXX XXXX to remove the account from my report. I believe XXXX XXXX will not remove it and want to hold my account just because they can and it is very frustrating. I've submitted disputes to all three credit holders XXXX, XXXX, and TransunionXXXX XXXX investigated it and removed it from there end, now Transunion updated my information but didn't remove it. Why would XXXX remove it but Transunion not. I am currently trying to buy my first home and need this removed from my credit report so I can qualify for my home. I've had this account paid off since XXXX. Please help me.