23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The supervisor assigned to my account, XXXX XXXX, has not returned any of my calls. I have left a message for her at XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The underwriter is refusing to accept my hardship application and saying the income can not be verified. My husband and I separated late last year and he moved into a rental home I had that was vacant. We have since reconciled and found a tenant who currently lives there and they are saying there is conflicting information. I have provided a letter of explanation, bank statements showing the tenants deposit, a new lease agreement and copies of her checks with her name and the address on it. They are making no effort to help me and will not return my phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX with a reported balance of {$5300.00} be removed from my credit report as I was only a young, oblivious authorized user added to this account. It appears that the primary account holder, my older brother may have added innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when i was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, non-financial responsibility authorized user. 
Thus, I am humbly asking that you please remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 

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

XXXX XXXX XX/XX/XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX FIRST XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX XX/XX/XXXX SYNCB/CHEAPOAIR XX/XX/XXXX
Product: Mortgage

I have tried to contact my mortgage company over 30 times in order to get copies of closing documents. I am trying to refinance through another company and my current company has not provided me with the documents that I need for 21 days now. I have tried every avenue to get this information to no avail. I dont know if there are rules in place about this.
Product: Debt collection

I being over charge for a service that I didn't know it was putting on my home, I ask XXXX XXXX for service.They came and put XXXX satellite on my home, when I went to paid my bill they said it was XXXX different bill, dish and XXXX, which I didn't agree, I was not tell about this XXXX service, I stay with XXXX and now XXXX is charging me to debt collector {$560.00} technical came and put channels that I didn't ask for, now they give me a penalty, they lie to me and don't gave me the correct Information and keep it for there self, I found out on XXXX, and extra charge of dish. Please help me my credit is good and they want to XXXX it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax released ALL my personal information including my card card information to an unknown entity during the major information release they experienced in XXXX (? ) 2017.
Equifax CEO 's also held back this information until they sold millions of dollars worth of stock, thereby stealing millions of dollars.
I suggest you charge Equifax with identity theft and credit protection of all Americans that they released personal information about, For Life. They could use all those millions stolen by the CEO 's and future money made by Equifax.
We, the consumers '', did not do anything wrong and we should not be held responsible, For Life, to pay to monitor for identity and credit theft. We can not change our names, SS number or most of the other stolen information.
Eqiufax needs to pay the other 2 credit reporting agencies to also protect our identit
y and credit For Life.
Product: Bank account or service

I used to have an account in the Bank of America. On XX/XX/XXXX, they did not get my permission to close all my accounts. I did not do anything wrong but just two months ago I was a victim of a financial fraud. But I reported this fraud as soon as possible and I did not have any loss on this fraud. But after two months, they closed my accounts without any warnings and refused to give me my money. I 'm just a student but I only have accounts in this bank, which means that I only have bank cards for this bank. I told me that I need my money right away because I need money to live and pay rents, insurance and other expenses. They ignored my requests. On XX/XX/XXXX, I called the customer service and I need the money right away and I can go get the money in person in the bank. On XX/XX/XXXX, I went to the bank and they told me they can not give me my money because they need to verify my account. I need to come back on next Monday ( which is XX/XX/XXXX ) to get the money. But on XX/XX/XXXX, I called the customer service, they just told me they can not give my money right away because they have already mailed the checks to me on XX/XX/XXXX. But I verified with the bank on XX/XX/XXXX and they told me they have not process my check yet. Why on XX/XX/XXXX they just told me they have already mailed the check on XX/XX/XXXX? And when I asked for the tracking number for my mailed check, they told me they did not have that and just ended the call! How can they be so rude when they did wrong and made me suffer the loss! Why did they give me any warning before that so I can have some preparation for that? Right now, I do not have any money with me to pay for the rent, insurance and other expenses just because of the bank of America! Also, the customer service did not answer my questions well and ended my call without helping me! As a student, I can do nothing but to ask for help from you! Please let me know what should I do to avoid suffer more loss or I just starve to death?
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX XXXX account I have disputed this with the credit reporting agency many times and they refuse to acknowledge the payments and that the account was paid in full. I have contacted XXXX and they have stated they have not reported what Experian is reporting. This has caused me financial loss because I have had to get loans with higher interest rates. It has even caused me to not get help from the SBA due to a low credit score that would have been higher had to reported accurate information. There are several accounts in the report that have this problem and I dont know what to do. Its costing us thousands a of dollars and we can not afford to keep this up. Reporting agencies need to be held accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX / 2.XXXX/XXXX XXXX    XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX / 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX i did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with 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. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Debt collection

Received a call on today from Halstead Financial with a phone number of ( XXXX  ) XXXX from XXXX, NC. My caller ID screen identified it as spam. I was asked to verify my name for a debt. I refused as I do not carry any outstanding debts at this time. The caller hung up when I would not confirm my identity. He stated OK maam since you dont want to say who you are. I asked him to leave a message. He refused to leave a message for the person of whom he was calling. This is DEFINITELY a scam and they will take advantage of innocent people who may not be as aware of their financial obligations. These crooked thieves need to be stopped.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Account # XXXX, XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern while checking my most recent credit report I noticed XXXX XXXX XXXX XXXX account # XXXX, has violated my right to privacy I did not authorize anyone employed by this company to furnish any of my private information or to create an account without my consent
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : Last four XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX on XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of XXXX XXXX XXXX credit acceptance and XXXX we on my report. Number one I XXXX XXXX XXXX because I have XXXX XXXX so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports. 
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

My checking chime account was charged by the merchant XXXX in XXXX XXXX with no consent or knowledge. I tried to dispute with my bank however my bank upheld the denial due to merchant providing a late transaction that I went to but not the recent one I never got services for. The merchant told Chime XXXX banking that I signed up for their membership that cost that much. However I was never told a membership had a fee or the website never stated that. The membership was free and the services was {$99.00}. Chime/XXXX  banking didnt investigate just went off based of what the merchant stated. 

Also I had a unsatisfied services for {$280.00} at XXXX XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX that I was confirmed by merchant they will fix and the merchant never responded back to me to fix it. Chime/XXXX  banking still upheld denial. After I sent proof of emails merchant was suppose to correct services and never responded. 

Chime/XXXX  would need to be investigated as well.
Product: Checking or savings account

Perp opened multiple accounts in my name most likely without any type of identification as my name was incorrect and bank was unwilling to assert that there was any type of ID to open the account. Perp also instantly overdrew on these accounts. Bank should have caught this activity as odd. Case # XXXX with the bank
Product: Payday loan, title loan, personal loan, or advance loan

The account is charged off with a past due balance that is different from the charged off amount. Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports.
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 : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Late/Closed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am notifying you that I have contacted Experian, XXXX, and XXXX regarding my identity theft stemming from the XXXX XXXX breach. I have also filed a report with the FTC Identity Theft ( Report ID : XXXX ) and am attaching it here for your reference. 

Despite my attempts to resolve this matter directly with the credit bureaus, I am requesting your assistance to ensure that my concerns are properly addressed. I am seeking the removal of fraudulent accounts, inquiries, and any discrepancies on my credit reports caused by this breach. 

Thank you for your attention to this matter, and I look forward to your guidance in resolving these issues. Please feel free to contact me for any additional information or documentation needed. 

Sincerely,
Product: Checking or savings account

THIS IS THE 5TH TIME THIS MONTH ALREADY IM DEALING WITH THIS ISSUE!!! WELLS FARGO EXECUTIVE AGENTS ARE NOT HELPING!!!
LOOK AT MY PREVIOUS COMPLAINTS!!!

MY CARD IS ALWAYS DECLINING AND CAN NEVER SPEND IT!!!

I NEED MY MONEY!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under National Credit Adjustment in XXXX of XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, NCA is reporting it as new debt. My current credit report shows the account was opened in XXXX of XXXX which is inaccurate. XXXX shows the last active date as XXXX of XXXX but XXXX says XXXX of XXXX while XXXX says XXXX of XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called NCA on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with NCA. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Removal Request for Unauthorized Hard Inquiries Dear Equifax, I hope this letter finds you well. I am writing to formally dispute several hard inquiries listed on my credit report. Upon reviewing my credit profile, I discovered multiple inquiries that I did not authorize nor recognize. These inquiries are adversely impacting my ability to secure new credit and are unjustifiably affecting my creditworthiness. 
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 As per the Fair Credit Reporting Act, I am entitled to dispute any inaccurate or unauthorized information present on my credit report. Therefore, I kindly request that the unauthorized hard inquiries be promptly investigated and removed from my credit report. 
I emphasize the urgency of this matter and request that these inquiries be expunged from my credit report within 30 days. Such timely action is essential to restoring the accuracy and integrity of my credit profile and ensuring fair access to credit opportunities.

Enclosed with this letter, please find copies of my credit report highlighting the disputed inquiries, along with any supporting documentation that may aid in your investigation. 
I appreciate your attention to this dispute and anticipate confirmation of the removal of these unauthorized inquiries from my credit report within the stipulated timeframe. 
Thank you for your prompt assistance in resolving this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing credit reports from all 3 agencies I noticed a bunch of unknown inquiries that are on my report and remain on there even after numerous disputes. I am beginning to think the credit agencies are ignoring my requests by taking shortcuts and not actually verifiying info because I keep getting the same generic answer for every dispute despite not being provided any documentation or proof such as forms with my signatures or authorizations. 
the following inquiries are as such transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I received 5 emails from Bank of America asking me to verify my email address ; Welcome to Online Banking ; Verify Email Address ; Welcome to Mobile Banking ; and Unable to Open Account. I have not attempted to open any accounts with Bank of America. Following these emails, on XX/XX/2023 I received a physical letter at my residence mail stating the account application was declined ; this letter showed a company name as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, mention of XXXX as location. Nothing of which I recognize. All attempts to contact Bank of America Fraud result in no answer ; request for account numbers to get a representative ( if you don't have an account, you can not progress on the phone system ) or full SSN - and continuous disconnections.