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

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX XXXX XXXX Retail Store stated XXXX XXXX XXXX was offering a " FREE PHONE '' with opening a line of new service.. Consumer did in good faith purchase such a service, received the " FREE PHONE ''. When at home, The XXXX XXXX XXXX Retail Store 's receipt, stated the phone brand and $ XXXX! 

Consumer went back to XXXX XXXX XXXX Retail store & returned this illegal " FREE PHONE ''. 
if I was going to be charged for a " FREE PHONE '' then I will get a phone I wanted. 

This XXXX XXXX XXXX Retail Store sold me a different model of the XXXX XXXX. Took that back ; until I received what I wanted. The Sales Tax during these exchanges ( approximately $ XXXX ) was NOT RETURNED to Consumer. 

Consumer Filed the 1st FCC Informal Consumer Complaint- was later part of 2019. Other FCC Complaints followed- FCC determined Discussion was finished and prepare for FCC Court , in Washington DC . ( This Consumer is XXXX ; low income based upon XXXX  Benefits. ) However, people can request Court permission to represent themselves as a " prose '' via wire and mail. 

I just realized the XXXX XXXX XXXX Office of the President did not follow through with XXXX XXXX XXXX 's promise statements from XXXX Credit Damages continually add up. 

Please Excuse me for not obeying the 2nd stated CFPB Restriction about personal information ; due to extensive rework to documents, that are included in the following Attachments below.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>
Product: Credit card

My Chase XXXX card was used by an unknown person to purchase something from XXXX XXXX XXXX  on XX/XX/year> in the amount of {$17.00}. I reported this as a fraudulent charge to Chase that morning. A few days later, I received an unordered composition book from this office supply retailer but again, I never ordered it. Chase 's Fraud Department sent me a letter on XX/XX/year> saying that they have determined that I am responsible for this charge because I received benefit from the transaction. But according to Federal Trade Commission 's web site on this subject, page XXXX, section titled " Your Rights When You Get Unordered Merchandise '' attached below states : " By law, companies can't send unordered merchandise to you, then demand payment. That means you never have to pay for things you get but didn't order. You also don't need to return unordered merchandise. '' Therefore, Chase Bank is not complying with Federal law in this matter.
Product: Debt collection

in XXXX i got a letter, 3rd party, AFNI c/o XXXX XXXX XXXX I immediately sent them a debt validation letter asking for proof if i am the responsible for the debt. They did not respond via mail, the responded by placing it on my credit anyway. A MAJOR VIOLATION of the FDCPA & the FCRA.
Product: Credit reporting or other personal consumer reports

I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score. Its already cost me far too much, and Ive had enough.
Product: Debt collection

Requested proof of debt from creditor and was not provided with it.
Product: Mortgage

We refinaced our home with Loan Depot. With our previous mortgage company, we were paying 2 times a month to equal our monthly mortgage payment. With Loan Depot, we were never told that we could not make payment this way, there is a program you have to sign up for to do that, which we were not told by our loan agent. We paid 2 payments of {$1000.00} in XXXX and 2 payments of {$1000.00} in XXXX, which would be for our XX/XX/XXXX and XX/XX/XXXX mortgage payments. All payments because they were not set up with their program ( don't know name of their program ), were applied to Principal, not our mortgage payment. We have been calling and trying to resolve this issue since XX/XX/XXXX. Loan Depot has sent our account to their collections departments saying we are delinquent. No one from customer service seems to know how to apply the payment to our account, they say they are going to escalate it to their supervisor and we hear nothing. As of today, XXXX XXXX, we have called Loan Depot 7 times and have spent over 10 hours on the phone with them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service, unauthorized fraudulent charges on my account, unfair practices which violates the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act : Regulation E. These actions have caused significant inconvenience and financial loss.
Product: Credit reporting or other personal consumer reports

This complaint is being filed by me regarding late payments appearing on my credit record. Upon inspection of my files, I identified these late payment entries. I sent correspondence about this issue more than 30 days ago, but have not received any response, nor has satisfactory validation been provided. I am requesting your assistance to resolve this matter swiftly and efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Product: Debt collection

This IS Cellular account was an ex boyfriend whom owned the account. I was not account holder. I have always used prepaid services. This account is from 2012. And just popped onto my credit. It was removed once a couple years ago and came back now. I do not feel I owe this money as it was not my account.
Product: Mortgage

They advised there was a small shortage in my escrow account and they are raising my payments {$94.00} each month. The first person I spoke with today advised they made an insurance payment in XXXX and I looked on my insurance company 's site and they had not. 
I called them back and spoke with another rep who advised that they did not pay an insurance payment and that the escrow was short one month and so they raised the monthly payment for next month. 
Why would that increase so much when my expenses did not? They said it was for a " cushion ''. That is unfair and want it investigated. That cushion is alot for me to pay every month. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has consistently reported old or inaccurate information on my report that has led to issues for me obtaining a mortgage. I would like information on how to move forward legally to sue if you can provide that for me I would appreciate it. What government agency can I reach out to next to take this further cause my multiple attempts here as well as letter and phone calls directly have done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I disputed many accounts and inquiries on XXXX, XXXX and Transunion in XXXX, 2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.
Product: Credit card or prepaid card

I went to buy a phone on XXXX and they told me my card was not working the lady that work there used my card without permission i contacted XXXX more then 60 times and they refer to my credit card company my credit card company send me to XXXX. i contacted the police and they told me since they dont keep video past 30 days to contact my credit card company since its fraud. my credit card company Discover send me to XXXX. and the circle continues. i didn't get anything from XXXX i didn't authorized the cashier to used my credit card for her personal used. she not working with them anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the attached settlement letter from XXXX XXXX XXXX XXXX ( XXXX ). I owe nothing for 3 reasons. I never had possession, fraudulent loan, BUT at a minimum, if XXXX had done their job as a professional company, we would not be talking today. XXXX and Experian did not have permission to access my private credit report. See attached application / permission sent to me by XXXX as reason for accessing my credit report. It is incomplete and should have not been processed AS IT EVEN STATES AT THE TOP OF APPLICATION! It is incomplete and undated. Experian can waste my time and their time by punting this to XXXX who will deny deny deny. XXXX will not admit an error and would rather extort a settlement from me. XXXX is making as much money as possible since they made a mistake. XXXX dangles poor credit over consumers heads.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company.

FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, XXXX who admitted that it was Wells Fargo error because my billing statement was sent to and they were aware and assured me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a payment statements so we wont have this maundering anymore of my account and stated that this mistake would be corrected. I never received such documentation. The results of my XXXX XXXX and XXXX and XXXX dispute have just come in, and say verified. How is this possible?. Reporting inaccurate information is also a violation of the FCRA. Enclosed is proof that payments was on time and never late Your company never sent me a billing statement and was advised that because of the mistake I would not have a late payment. I had to call your customer service and was told a statement was going to be sent to me and now I look at my credit report and you put 30 days late when it was your company and billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only bureau reporting 11 " unknown '' collections on my credit report. The other credit bureaus don't have anything negative on them. I have no idea what these are and it is unfair that they can just report " unknown '' items totaling 11 that aren't even mine let alone not doing a proper investigation by law that they are required to do when I file a dispute. They didn't respond to the one I filed ignoring it completely also a violation of the law. Supposed no-name account numbers below : Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX
Product: Debt collection

Concord Resolution calls and leaves me a message saying I have been belligerently unwilling to pay. They have called me every day threating to take action on a payday loan that I never received.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple XXXX fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 National Credit Systems placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenge experian to ask the debit for true accuracy, In which They state to be true accuracy. As Ive been in dispute with them for several months. I am submitting documents that they provide to me in XXXX the address that they state that is accurate is proof of validity to EXPERIAN was inaccurate ; Under the FCRA is a federal law. And violated in reporting false accuracy and Experian allowed this Company to damage my credit. As I stated in the dispute Ive also challenged other credit bureaus and have delete it from my credit for the lack of accurate information. They could not provide. I did that same to Experian, and it refuse to investigate and still allow XXXX Consumer a to violate the FCRA. If EXPERIAN still believe this company is being accurate. Here is a letter they send out to me with a different address in attachment of an address that has never belong to me. As They forward it to my new address and stated retaliating me to pay off the debt. EXPERIAN a allowed them to get personal information and violate the consumer privacy act. I am asking again to Please delete this from my credit report as other have done and protect my information from being in the black web and allowing this company to report false accuracy to Experience. Thank you
Product: Credit card or prepaid card

Comenity Bank Ultimate Rewards Master Card received my payment sent XXXX/XXXX/XXXX  and cashed the check ( as verified by by U.S. Post Office Signature Delivery Confirmation Card signed on XX/XX/XXXX XXXX  and sent to me by Comenity Bank MasterCard representative ) I received a bill today, XX/XX/ for {$62.00} due XX/XX/ that does not show they cashed the check ( which they cashed after the due date to incur penalty ) on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appilied for a loan, a credit report was provided to the creditor from Transunion they gave me a score of XXXX as a result of this low score I was denied credit. I asked for a copy of my report. I saw only one negative report that was a Bankruptcy discharged in XXXX, All my other account are in good standing All payed as agreed. I have not been treated fair by Trasunion. I asked one of my creditors for an increase one my Visa and it was approved I asked for my score it was XXXX from XXXX XXXX XXXX. Why the big differnce in the scores. The date were XX/XX/XXXX for trasunion.
Product: Credit reporting

A tax lien appeared on my credit report and I disputed this information, the credit bureau ( Experian ) stated they investigated the dispute and the information was verified and remained on my report, however I contacted the local Clerk of Courts office and they could not initially find anything and then was able to locate something which was from XXXX, in XXXX I paid all outstanding business taxes and received a letter ( provided to Experian ), neither the Louisiana XXXX or XXXX office is claiming to have provided this information to the credit agency ; so I 'm not sure who they verified this information with, this lien would have been part of re-aging, since the lien was reported in XXXX ( 16 years ago ) ; this information needs to be removed from my record, as I 'm told this debt is written off and the credit agency is indicating this debt to be current as of XXXX, which is incorrect, and has caused me issues with getting a loan. Also, I have never lived in XXXX, LA -- -this also showed up on the report at the same time as the lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have received multiples inquiries from companies i did not consent torun credit i do not have any accounts nor applied for any of these accounts that's showing on my credit report on my credit report, this is fraudulent activities with out my consent.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute and remove accounts that are the result of identity theft or other information from my Experian Credit report, Sent them FTC Report and Affidavit, Police report and other documentation to support my claim, They keep responding with they verified the information and no change, they are violating the FCRA and refusing to provide me with further details such as how they verified and with whom. 

Also 2 bankruptcies show on my credit report that are not mine. The name of the bankruptcy court address and phone number is reported incorrectly and I submitted a letter from the bankruptcy court clerk stating they researched and the bankruptcys belonged to someone with the same name but was not on me, Experian refused to remove told me their data furnished XXXX XXXX provided and verified, I contacted them and they investigated and determined the accounts were not mine and delete fro my consumer profile, I Submitted this letter and documentation to Experian who keeps saying they verified with XXXX XXXX and it remains, However my file with them shows its not there. 

They are conducting sham investigations, I filed a dispute over the phone today around XXXX, on over 8 sccounts, at XXXX I received and email my disputes were complete, they stated they were able to verify all accounts and no changes were made. No way is it possible to have conducted and investigation in less then 24 hours and receive a response.