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

My XXXX scire dropped significantly in late XXXX and the reason credit katana reports reported the change was due to a change in or use of another name on my credit file. The error was reported by XXXX and I obtain the information by reviewing credit karma free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to XXXX and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the XXXX score is lower
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking for a job for over 10 years and when tgey contact ne back they seem to say the same thing that i am overly qualified. And when i fill out for credit they say tgat it's derogatory remarks. I have really never had a credit card. and there are bad things sent and said on my report. And it's not fair. And yes i am XXXX- XXXX XXXX XXXX whatever. It's not fair. I am XXXX years old abd do not own nothing. I don't wont to die without a chance to be a real American.
Product: Credit card or prepaid card

I received a credit card offer and invitation from XXXX XXXX to applying for their credit card several times during XX/XX/XXXX. I decided to apply for the card on XX/XX/XXXX,, and it was approved with a {$3000.00} credit limit. After receiving the card and activating, I received a notice in the mail dated XX/XX/XXXX stating that the credit card is closed. Following the closing statement, I received another notice which states how to use the card and how to earn maximum points. 

It is disturbing to find that Comenity Bank used my personal and financial information, and now I have a hard inquiry on my credit report. The way they handle business is very unprofessional. I have not used the card at all and did not intend to use it for day to day purchases. I was planning to use it only during our trips to XXXX XXXX. 

I am requesting XXXX XXXXComenity Bank to reopen the card or remove the inquiries from my credit report from all reporting agencies such as XXXX, XXXX and XXXX   and send me a written confirmation that all the inquiries removed. 

I contacted the customer support and discussed the matter XXXX ( ID XXXX ) on XX/XX/XXXX around XXXX to XXXX XXXX  but he wasn't able to help.
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Unauthorized Inquiries and Account from Credit Report Dear EQUIFAX Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning unauthorized inquiries and the addition of an unauthorized account on my credit report. This breach of privacy has raised significant concerns regarding identity fraud and the violation of my rights under both Texas state laws and federal regulations. 

It has come to my attention that certain creditors have accessed my non-personal information without my consent. This blatant breach of privacy is not only unethical but may also constitute identity fraud, a matter of utmost concern. I am particularly troubled by the unauthorized addition of an account to my credit report, an action I did not authorize. 

Even in situations where a permissible purpose exists, it is essential to emphasize that the consent of the consumer is still required. I want to make it unequivocally clear that I did not provide consent for the creditors in question to access my personal information or add an account to my credit report. This violation of my privacy rights is unacceptable, and I demand immediate corrective action. 

To address this issue effectively, I kindly request the removal of all unauthorized inquiries and the associated account from my credit report. I believe that taking prompt action to rectify this situation is crucial not only for my financial well-being but also for upholding the principles of privacy and consumer protection. 

In accordance with Texas state laws, I would like to draw your attention to the following codes that pertain to the protection of consumer rights : Texas Finance Code, Title 3, Subtitle B, Chapter 392 Consumer Credit Commissioner Texas Business and Commerce Code, Title 1, Subtitle C, Chapter 35 Fraudulent Transfers Additionally, I urge you to consider the federal laws that support my case : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681m I expect that EQUIFAX, as a reputable credit bureau, will take swift and decisive action to rectify this breach of privacy. Your cooperation in this matter is crucial to maintaining the integrity of consumer credit reporting and protecting the rights of individuals. 

I anticipate a thorough investigation into this matter and request written confirmation of the removal of unauthorized inquiries and the associated account from my credit report within 30 days of receiving this letter. 

Thank you for your immediate attention to this matter. I trust that EQUIFAX will uphold its commitment to consumer rights and privacy. 

Sincerely, XXXX XXXX
Product: Mortgage

3RD COMPLAINT, THE CHAMPION MORTGAGE STILL REFUSES TO RETURN MY CALLS, OR MAIL ME COPIES OF ALL MONTHLY STATEMENTS FROM XXXX. THEY DID RESPOND VIA UPLOADED DOCUMENTS FOR XXXX, BUT THOSE DOCUMENTS I HAD ALREADY RECEIVED 6 TIMES VIA MAIL. THE COMPANY REFUSES TO ACKNOWLEDGE MY CREDIT LINE INTEREST GROWTH AND FAILS TO PROVIDE THE AFORMENTIONED DOCUMENTS. I MADE A CREDIT LINE DRAW FOR XXXX IN XXXX AND AM STILL GETTING THE RUNAROUND. REVERSE MORTGAGE RULES STATE THEY HAD 5 DAYS TO PAY OUT MY DRAW. REVERSE MORTGAGE RULES ALSO STATE THE SERVICER MUST HAVE ALL MONTHLY STATEMENTS ON FILE. I HAVE BEEN HAVING THIS PROBLEM SINCE XX/XX/2021. 

THE CREDIT LINE DRAWS OUTLINED BY THE COMPANY DO NO NOT PROVIDE SUPPORTING DOCUMENTS AND FAIL TO ACCOUNT FOR THE INTEREST GROWTH FROM XXXX, AND XXXX. PLEASE ESCALATE MY COMPLAINT TO A COMPETENT ACCOUNTANT IN REVERSE MORTGAGE SERVICING.
Product: Credit card or prepaid card

On XX/XX/XXXX I received 2 letters from a law firm ( clearly soliciting for debt resolution and had been forwarded to me from my last address ) informing me that Chase Bank had filed 2 lawsuits against me for non-payment on the 2 credit cards that I had with Chase Bank. 

I was laid off in XX/XX/XXXX permanently due to COVID-19. At that time I resided in XXXX, XXXX. 

I moved to XXXX, XXXX  in XX/XX/XXXX. 

On XX/XX/XXXX I entered into an agreement with XXXX XXXX XXXX to consolidate all of my credit cards. I had 4 credit cards. The only company that would not negotiate for a settlement was Chase Bank. 

I left XXXX XXXX state at the end of XX/XX/XXXX and returned to XXXX, XXXX  on XX/XX/XXXX On XX/XX/XXXX I did a change of address with Chase Bank to reflect that I was once again living in Texas. 

The lawsuits are filed in XXXX County Supreme Court, NY. I have never lived in XXXX County. I lived in XXXX County, NY. 

I have not been served any papers as of yet but I do not want to end up with a default judgement either. 

Why would Chase Bank not work with XXXX XXXX XXXX? 

Thank you!
Product: Credit reporting or other personal consumer reports

Credit first is reporting information to my equifax report that doesnt belong to me. I have disputed the account and it was removed, but then it was reported again. I was part of the equifax data breach and my report was merged with another persons. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX is reporting information to my equifax report that doesnt belong to me. I have disputed the account and it was removed, but then it was reported again. I was part of the equifax data breach and my report was merged with another persons. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} I would like these accounts blocked from being placed on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine,
Product: Credit reporting or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I've sent each copy of inaccurate information reported to XXXX, XXXX and Transunion regarding XXXX XXXX XXXX monthly late reporting. Each agency is reporting different information from XXXX XXXX XXXX. I've asked for this information to be deleted from my report due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX Credit Report on XXXX XXXX, 2017. This inquiry was not authorized by me. I contacted Syncb/jcp by mail and they did not send me a letter with proof that I authorized this Inquiry. I never received proof of a denial letter stating why I was not approved.
Product: Credit card or prepaid card

A credit card was taken out in my name thru the company XXXX XXXX XXXX ) on or about XX/XX/XXXX. I never opened this account. There were charges made on this account of {$1700.00} This account has been sold to a collection agency named Midland Credit Management XXXX XXXX : Tel : ( XXXX ) XXXX spoke to XXXX This has been filed as a legal case in XXXX XXXX, XXXX XXXX Texas XXXX Case # XXXX and they are suing me for {$1700.00}. 
I did not open or use this credit card. 
I was divorced in XXXX of XXXX and am trying to pay off credit card debt that was put on me by the court. I would not open nor have I opened any other credit card. 
Talking with XXXX she told me to contact the FTC to alert this matter to them. 
I also wanted to see any paper work to show ( I ) opened this account,,, Nothing. 
Case number Thru Midland Credit XXXX is XXXX This has been reported as a sign off on my credit and is affecting my credit, and I will not pay this.
Product: Money transfer, virtual currency, or money service

Cashapp won't give me my XXXX out of my old account I can't access
Product: Checking or savings account

My fiancee and I saw a small house for rent on XXXX XXXX, we took a tour in person and then went through the application process. We were approved, signed a lease, and I sent {$1900.00} total to my new landlord via XXXX for : application fees ( {$100.00} sent XX/XX/XXXX ), security deposit ( {$800.00} sent XX/XX/XXXX ), and first month 's rent ( {$1000.00} sent XX/XX/XXXX ). On XX/XX/XXXX, I discovered through public property tax records that my " landlord '' didn't own the home for rent and I was scammed. At this time the debit transactions were still pending, I called my bank PNC and asked them to reverse the charges. I was told that wasn't possible but they would investigate my dispute, and I'd receive a request for documentation in the mail. I received both the request for documentation and notice of rejection on XX/XX/XXXX. I was never given the chance to provide evidence for my dispute. I called PNC again to appeal my dispute, nothing changed. I went to my local PNC branch who said they would contact corporate about my case, and nothing changed. I've had a similar experience with XXXX. I've called many times and never could speak to anyone with authority or who could review my case. I could only contact the correct department through email. I was able to send them documentation but they've rejected my original dispute and my appeal.
Product: Checking or savings account

i replied to " XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX extension XXXX XXXX XXXXXXXX '' XXXX email on XXXX and she has not replied back and i also tried calling her ever since but no answer. 
i requested to XXXX XXXX  for what is a good time/day to call her, and i asked bofa customer service about why the card has not been sent to the new address edd updated
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence! provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I assumed a XXXX XXXX in XX/XX/XXXX. I was approved for assumption on the XXXX and closed the following week. 

Part of the assumption process required me to pre-pay for a years worth of home owners insurance which I did with XXXX. 

On XX/XX/XXXX XXXX XXXXXXXX XXXX paid the old mortgage owner 's insurance companies ( XXXX ) {$3300.00}. There was a notation on the account to not pay XXXX ( confirmed by a XXXX XXXX representative ). 

This put my escrow account significantly in the negative and resulted in an approximately 50 % increase in monthly mortgage payments. 

I was not able to begin investigating the situation until XX/XX/XXXX. After XXXX phone calls and a few emails, it was confirmed that XXXX XXXX paid the old insurance company in XXXX. It was said that they would request a refund and the process would take 20 days. 

I called again on XX/XX/XXXX, and I was told that the request had not been filed. At that point I asked them to ensure they filed the request. I called again on XX/XX/XXXX to ensure that the request had been filed. I was told that it had and the refund would be processed 30 days from XX/XX/XXXX. 

I called again on XX/XX/XXXX. XXXX XXXX has now explained that they are not able to refund my account. XXXX would only repay the old mortgage holder. 

I explained that XXXX XXXX was the institution that made the mis-payment in my account and they were responsible for fixing it. 

Planet Home Lending is now refusing to refund the mis-payment they made to my account saying that only the prior account holder can refund it. I do not have their contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresse on credit report is not correct. As proof of the address I uploaded XXXX bill which contain my real address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Sectio

n 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I am the original creditor, consumer and natural person. As a consumer, I hold all the power in this consumer credit transaction. One Main Financial failed to provide with an Adverse Action letter pursuant to 15 USC 1681m. Instead it provided me with an email stating it denied my application for credit. Pursuant to 15 USC 1602, One Main Financial use of my credit was unauthorized as I received no benefit. The language and referenced here are best interpreted by your legal counsel.
Product: Checking or savings account

I was directly contacted via phone to open an account and to visit a local branch office in XXXX located in XXXX XXXX in XXXX, va. When the account representative said that I will only stop by to sign the paperwork, however when I went the branch manager refused to open the account for me stating that I was in the XXXX XXXX when the rep on the phone said that I am not since all my accounts are paid off.
Product: Debt collection

I received a collection letter from Linebarger Goggan Blair & Sampson, LLP over two unpaid tolls amounting to {$10.00}. The collection notice also added {$50.00} in fees. The tolls were incurred over a year ago. I made multiple efforts to pay the tolls around the time that they were incurred, however I was told multiple times that there was no record of the money owed so I could not pay. I sent a letter via both postal mail and fax explaining my previous efforts to pay, and I enclosed the full amount demanded in order to evidence my good faith effort to pay the debt. By not allowing me to pay the debt, and then subsequently sending a demand letter which includes fees and other charges, this firm is engaging in an unfair and deceptive trade practice. After I sent the letter to the firm, they made no effort to investigate this matter or contact me to resolve this in any way. The letter is dated XXXX XXXX, XXXX and the checks were cashed on XXXX XXXX, XXXX. 

Additionally, this firm is violating the FDCPA by sending letters that would confuse the least sophisticated consumer. The letter clearly states that no lawyer has reviewed the account or made a determination as to the legal status. However, the letter also cites the statute which provides for payment of tolls, and then straightforwardly concludes that I owe this money as a result. It is plainly misleading to state that no attorney has made a determination yet state a legal conclusion.
Product: Student loan

I have attempted to reach out to Navient to gather how many payments were made under the graduate repayment plan from XX/XX/XXXX to XX/XX/XXXX. Due to my loan being transferred to XXXX XXXX XXXX as of XX/XX/XXXX I have been unsuccessful as I no longer have an active loan with Navient. I requesting an accounting of all payments received from XX/XX/XXXX to XX/XX/XXXX in order to determine if I may be eligible for the Temporary Expanded Public Service Loan Forgiveness.

Thank you in advance.