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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law.

There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered 21 days of the due date.

Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Please update the following account below : 1. Account Name : XXXX 2. Account Number : XXXX I demand these violations be removed and/or updated on my consumer report immediately.

You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Sincerely yours,
Product: Mortgage

I applied for a loan through Quicken Loans in XXXX and ended up getting approved for XXXX. I found a house in midXXXX and the closing process started. I signed every document they sent my way including the contract ( I was prodded multiple times to do so over the phone despite my hours being in question ), put down {$1000.00} in earnest money, paid for a {$500.00} inspection and was about to switch my address over. At that time, I received a call from one of the underwriters who stated she couldn't approve the loan due to my hours at work. I work full-time for XXXX but we can't get scheduled XXXX hours because we would go into overtime and this seemed to be the issue. I get scheduled around 36-38 hours/week. This should have been caught during the pre-approval process and I should have never gotten that far. I asked Quicken Loans to compensate me for the money I lost paying for the inspection and they denied the request. I believe this is the very least they can do for me after going through that exhausting process.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of the Equifax data breach, and I am utterly appalled by the gross negligence that has resulted in unauthorized, fraudulent activity on my credit report. I DEMAND the IMMEDIATE BLOCKING and PERMANENT DELETION of all fraudulent accounts and unauthorized inquiries linked to this breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to expunge this fraudulent information upon notification and receipt of supporting documentation. 
The fraudulent items that must be removed include : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To support my claim, I have enclosed the following documentation : A copy of my government-issued ID Proof of address FTC Identity Theft Report The breach of my personal information is unacceptable, and Equifaxs failure to protect my data has caused me significant harm. I expect nothing less than swift and decisive action on your part. I DEMAND written confirmation that the fraudulent accounts and inquiries have been permanently removed from my credit report. Moreover, should any of these disputed items be reinserted into my credit file, I expect a full, detailed explanation, including all evidence used to verify their accuracy. 
If Equifax fails to comply with this demand within the legally mandated timeframe, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I am fully prepared to pursue all available legal remedies to enforce my rights under the law. 
I insist that you confirm receipt of this letter and provide a resolution immediately. For any further correspondence, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC
Product: Credit reporting or other personal consumer reports

The CFPB complaints has been filed to request that XXXX, XXXX and Experian block fraudulent and inaccurate information from my consumer credit report, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). I am a victim of identity theft and fraud, and the following accounts and inquiries on my credit report were opened without my knowledge or consent. I am requesting that XXXX, XXXX, and Experian block and remove the fraudulent information from my credit report within XXXX business days of receipt of this complaint, as required under federal law. The fraudulent accounts have resulted in the appearance of multiple fraudulent hard inquiries and late payment accounts on my consumer credit report. I do not recognize any of the aforementioned accounts, or inquiries. These Items were not opened, initiated, or authorized by me, and i assert that they are the direct result of identity theft and fraud.
Product: Mortgage

Regarding case # XXXX. I do n't have the time to mail this in as Bayview is proceeding with trying to steal my home. Newest foreclosure auction date is XXXX/XXXX/17. I am attaching the supposed report they sent me showing the audit of my loan and crediting my account that I can not decipher because it looks to be an in-house report with codes. It shoiuld have been attached, but it would n't allow me to attach it
Product: Payday loan, title loan, or personal loan

I cancelled the loan within the cancellation period of 3 days at CashMax in XXXX XXXX, Texas, paid the loan back and they gave me a lien release but are now refusing to give me my title. They keep saying it hasnt come to them in the mail which is a lie. It doesnt take over a week for the title to come from XXXX which is only an hour away. When I paid the loan, XXXX XXXX said i could get my title the same day, so we drove all the way to the XXXX Texas DMV but were told we had to wait until CashMax got it in the mail. Then XXXX said it would take a week. Its been over 2 weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit XXXX & XXXX XXXX error To Whom It May Concern, In XX/XX/2022, I received a copy of my credit report. The credit report showed a credit XXXX error by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an XXXX on my credit file, unless I have authorized it. Please have my fico score points restored back to my credit file where my fico score was before your error/mistake was made immediately, because it is making it very hard for me to acquire credit. 

I am also requesting that you request a rapid rescore on my behalf from XXXX. 

I have also sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've restored my decreased fico score points. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thank you, XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letters to XXXX, Transunion and XXXX credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.
Product: Credit card or prepaid card

Citi has repeatedly shut off my card even after verifying my identity with them. I have now tried to cancel the account, and they are refusing to do so, claiming that they sent a letter to my house which has a " code '' in it, even though no letter has arrived. I have given them my security words, let them send text messages to my phone, logged in through the website, talked to chat agents, talked to at least five phone agents, and I am still unable to cancel my account. I think, at this point, it's just fraud.
Product: Credit card or prepaid card

I ordered two " XXXX XXXX XXXX '' XXXX XXXX chargers on XX/XX/2019 from XXXX XXXX XXXX for {$100.00}, Order # XXXX, using my Wells Fargo debit card. 

I received the items I ordered on XX/XX/2019, about a month after I placed the order. 

The items I ordered do not work correctly. While it charges my XXXX XXXX, it does so extremely slowly. I recording the battery percentage as well as the time, and checked back throughout the day to record the status. Here were the results : 25 % XXXX 32 % XXXX 35 % XXXX 39 % XXXX 37 % XXXX 54 % XXXX 63 % XXXX I contacted the seller on XX/XX/2019 to request a replacement or a refund. The seller replied that it was already past their XXXX warranty. But it took more than 14 days for the items I ordered to arrive, so even if I had tried to return it the day I received it, it would have already been out of warranty. 

I filed a debit card dispute with Wells Fargo on XX/XX/2019, with reference number XXXX. Wells Fargo completed their investigation on XX/XX/2019. Wells Fargo did not decide the dispute in my favor because the item was delivered by the seller, even though it did not function correctly. 

There are 43 similar complaints about this company filed with the XXXX XXXX XXXX within the last year, either not receiving the item at all or receiving non-functioning items.
Product: Debt collection

The apartments was over 10 years ago that has been removed from my credit report. I tried to tell the representative that my sister also called to explain to Pro Collect about the nature of the un owed debt which has fallen off my credit report and she wouldn't speak to her. I recently pulled my credit report and XXXX XXXX isn't on there. I wan them to remove my number and stop calling me before I purse legal action against them.
Product: Debt collection

This company has continuously called me during work hours and I am a teacher. This company has also disclosed my bill information to family members without me giving consent to disclose this information. My family members have expressed that company have continuously called and asked about my bill to them while they were paying their bills. This company is Credit Central of XXXX, Alabama. This company is by far the worst company that has ever receive my business.
Product: Debt or credit management

XXXX went out of business and sent the debts to SST. I now " owe '' SST {$5600.00} and have to continue paying my credit card as well, which XXXX was paying for me. I don't understand how I owe {$5600.00} when SST is no longer handling my credit card debt. There is also no itemized statement available. When trying to review account information from XXXX I am not able due to it being closed down. SST doesn't have any information available. It appears I owe them XXXX XXXX for nothing. The interest rate on the loan is also super high and not what was agreed to with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair Credit Reporting Act the company or services below have violated my rights. 

1.US Dept.Of EDXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX 2XXXXXXXX XXXX XXXX XX/XX/XXXX. account # XXXX 3.XXXX XXXX XX/XX/XXXX. account # XXXX XXXX XXXX XXXX XX/XX/XXXX acct XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right for privacy 15 U.S.C.1681 section 604 A it also states it consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In checking my equifax online, I noticed another account being merged with mine. We do have similar names and other similar information. We have two diffrent social security numbers. Mine ends in XXXX and I am seeing some one elses report ending XXXX. This is a huge breach in privacy and is affecting my and this other individual as I see a collection of mine and a hard inquiry of mine on this other report. Equifax needs to get this fixed and stop reporting my information to this other credit profile as well as stop reporting this others profile 's information to my report.
Product: Money transfer, virtual currency, or money service

The beneficiary for a wire that I sent to XXXX is complaining after 120 days that the Citibank is recalling the funds that I sent to her. I had called the Citibank over 25 times from different parts of the world costing me a lot of money and time, but I need to solve this situation. The beneficiary bank is requesting a simple letter from Citibank showing and proving that there is no pending recall so the beneficiary can use the funds. In XXXX this type of recalls can mean imprisonment for the beneficiary but Citibank seems not to understand the urgency of this matter and the need of releasing the funds to the beneficiary because I am NOT claiming the funds back.
Product: Debt collection

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from JEFFERSON CAPITAL SYSTEM : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX grantee, beneficiary All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied employment around XX/XX/XXXX due to my credit score and delinquent student loan accounts. So I pulled my credit and found that XXXX had placed several student loans on my credit report. 

I currently have three student loans reporting that I owe navient {$8500.00} and after interest I owe {$11000.00}. 

On XX/XX/XXXX I sent out disputes to XXXX, Equifax and XXXX  indicating XXXX is reporting 3 separate accounts with the same exact dollar amount. All 3 Credit bureaus sent back accounts have been verified. 

I havent received a Debt verification indicating I owe {$11000.00} times 3 to XXXX. 

All three credit bureaus are reporting the following debt owed to XXXX  XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current
Product: Debt collection

LVNV FUNDING has reported false open dates onto my credit account re-aging old debt and they did not send proof to collect on this debt when asked
Product: Debt collection

Hello I contacted COMENITYCB/XXXX  Account number XXXX by mail in XXXX and XXXX regarding this account being placed on my credit file. I requested documentation from the company with my original signature showing I opened this account. I have no knowledge of this account. The creditor failed to respond to my request & failed to delete the negative item from my report. I advised that under Section 611 ( 5 ) ( A ) of the FCRA that the creditor is required to promptly DELETE all information which can not be verified. 
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) the creditor failed to comply with Federal Law. I am a litigious consumer and pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I been receiving death threats, threats of been sent to jail or prison, harassing, profane and abusive telephone calls from XXXX in regards to a debt of {$560.00}. The XXXX credit card account is a fraudulent account and not my account. The debt is not my debt. I did not apply for a XXXX XXXX credit card account. The account is a fraudulent account and is not my account or debt.
Product: Credit reporting or other personal consumer reports

This account was open fraudulently most likely by an ex partner but in my name. As a business account it is now showing on my credit report and although fraudulent I still tried to take care of the transaction but the account is no longer active and no login exists. Any contract from this company should be null and void as it was closed due to XXXX company problems. This is fraud and I believe it should be dealt with. Many other complaints online similar are calling for filing a lawsuit as am I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law. I did not submit this in error. I never gave Transunion my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.
Product: Student loan

Incorrect information from XXXX MOHELA representatives and poor service all around by the lender resulted in interest charges.
Product: Credit reporting or other personal consumer reports

I am disputing the presence of this bankruptcy on my credit report. The filing and reporting dates, along with the closing dates, are not in sync. This is worrisome since I possess a court letter clearly stating that this bankruptcy should not be reported. Moreover, the involvement of an unauthorized third party adds absurdity to the situation.
Product: Credit card or prepaid card

So I downgraded my card with the promise of the annual fee being reimbursed since I am in Massachusetts. 

I have yet to be reimbursed please look into XXXX
Product: Checking or savings account

I bought tickets to XXXX XXXX concert on XXXX for XX/XX/XXXX. They literally rescheduled the concert the day before. Now it is going to take place until XX/XX/XXXX. I will not be living in XXXX XXXX by then. 

I sent a message to XXXX to get my refund and they simply stated the event organizer was not authorizing refunds. 

I disputed it with my bank, Navy Federal Credit Union and they too denied it because no refunds at this time.
Product: Credit card or prepaid card

In XXXX I obtained a credit card from TD Bank. I had a previous credit card from another bank and I attempted to obtain a balance transfer. After explaining the request to TD Bank, they then sent the physical check with the balance to the wrong location, specifically the branch where I had opened the original card but not the company/address which actually receives payments. I have been trying to contact TD Credit Card Services for several days and no one actually picks up. There have been occasions where I have left my phone connected for a half hour to an hour and the usual " representatives are assisting other customers '' keeps replaying. I actually went to a TD Bank location in XXXXXXXX XXXX XXXX where a customer representative actually sent an e-mail and tried to call on my behalf and was unsuccessful. I have attempted to contact both TD Bank and their credit card unit on XXXX and have been unsuccessful in getting a response. If this is not resolved soon, it will affect my credit rating and ability to pay.
Product: Credit reporting 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX