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

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XXXX1, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
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 Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Debt collection

XXXX 2013 was so sick and went to hospital. The finical rep ask me for ins 'i explained to her that I was on unemployment, She then told me she would put my case through charity. i then received a bill in XXXX 2013 for XXXX from the hospital showing the discount granted. XXXX months later I get a call at my job from a collection agency saying I owe XXXX. Since then I have done every thing to comply. to resolve this dispute and error. I have been treated badly by them as well as they lied about the dates when they sent me letters. I have been to XXXX hospital to resolve this error and the hospital has been working with me but the collection refuses to comply to clear this error. They lied when i asked to speak to the representive that there was not a person by that name working there name XXXX. I have a lot of health issues and I am on XXXX now they submitted it to court and refuse to even work with the hospital who is trying to help me.
Product: Credit reporting or other personal consumer reports

Please remove negative remarks and inquiries off my credit profile from XXXX, XXXX and TRANS UNION immediately! 

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

In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATIONXXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX ] BMG MONEY, INC. DBA BMG LOANSATWORK , LLC ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX XXXX ] XXXX XXXX XXXX ] XXXX XXXX XXXX ( XXXX XXXX XXXX ] XXXX XXXX ] involved parties that violated my consumer rights. please see attachment
Product: Debt collection

Dear Sirs! 

My previous landlord did not notify me in a written manner ( did not send a written notice ) about the collection moreover did not give me a possibility to dispute the debt. I got known about the collection while was applying for a new credit card. Collector " XXXX XXXX XXXX '' XXXX XXXX XXXX, XXXX, WA XXXX, the landlord " XXXX XXXX at XXXXXXXX XXXX ''. I did know that I can dispute the debt and require from them an additional information in order to validate the debt therefore paid in full. I scared that my credit score will go down and decided to make a payment ASAP. 

Appears that actually no matter if I have paid or unpaid collection nevertheless it hurts the credit history tremendously. After that I called a bunch of times and also send them both ( the collector and the landlord ) emails to remove a paid collection from my credit report and unfortunately any luck. 

The landlord gave me a notice to vacate to premises, I vacated the apartment unit moreover gave them a notice to vacate in a written form, same day the representative from the landlord inspected the premises. After that they did not inform me that created a collection debt for the lease termination. 

Looking fwd for your cooperation and help in the case In my opinion the landlord and collection agency did not give me a change and a possibility to validate the debt and prove my rightness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been contacting XXXX XXXX & TransUnion every since mad credit card company removed a mistake of a late payment keep calling all 3 and there not helping clear this situation at all waiting on it to clear to expand my business with business funding also my credit card company sent several notification to all 3 companies several times even to me and they are still giving me the run around I constantly call every single day neither company is not help with removing the negative remark
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

so since the XX/XX/2017, we had are car reposed and I filed a compliant then will that same day my husband drove out and talked to them and I called and to the GM at XXXX AR XXXX XXXX and he had told me that they have received the paperwork about or petition of affirmation of asset automatic stay well I sent a story behind that we were mislead and scammed and took for money and it was not filed at all, we did n't know till the next day when they took our truck well when I spoke with the gm from XXXX XXXX in XXXX ar, he said if we filed the petition the next day or when we could and GET IT APPROVED THROUGH THE COURTS THAT WE WOULD GET THE TRUCK BACK AND HE WOULD WORK THE LOAN OUT SO ARE PAYMENTS WOULD BE LOWER AND MONTHLY,. 

WHEN MY HUSBAND GOT THERE THEY TOLD HIM ANOTHER STORY THEY SAID HE HAD TO PAY THE TOWING FEE AND BRING TWO CHECK STUBS FROM ME AND HIM AND THEY WOULD RELEASE THE TRUCK BACK TO US. 

WELL THEY HAVE NOT CALLED OR SPOKE TO US BUT MAYBE THREE TIMES ALL THE WAY UP TO THE XXXX OF THIS MONTH AND THEY TOLD MY HUSBAND THAT WE WERE GETTING THE TRUCK BACK IF I DROPPED CIVIL SUITS AGIANST THEM WHICH I NEVER FILED I FILED COMPLAINTS AND IN THE COMPLAINTS SAID IF THEY DID NOT WORK SOMETHING OUT I WAS GOING TO FILE A SUIT WELL THEY STOPPED TALKING TO US AFTER THAT HERAD NOT A WORD AND FINALLY TODAY MY HUSBAND DECIDED TO CALL WHICH TOOK HIM 30 MINS AND HAD TO CALL 800 NUMBER CAUSE THEY KEPT HANGING UP ON HIM, WELL THEY SAID THEY WOULD CALL HIM BACK WHICH THEY DIDNT AND IT WAS GETTING VERY LATE WERE THEY WOULD CLOSE SO HE CALLED BACK AND THEY TOLD HIM A WHOLE DIFFERENT STORY THEN WHAT THEY HAD TOLD US BOTH AT ALL THEY SAID WE DEFAULTED AND DIDNT HAVE INSURANCE WHICH WE DID HAVE INSURANCE AND WE DIDNT DEFAULT HUSBAND HAD AUTOMATIC WITHDRAWAL WITH THEM WHICH WE HAVE THE SIGNED DOCUMENTS FOR THAT AND THE BANK CAN VERIFY ALL THAT AS WELL THIS IS WRONG AND HE TOLD US HE WASNT EVEN GOING TO CONTACT US ABOUT IT AT ALL THAT THEY WERE JUST GOING TO DO IT AND NOT SAY NOTHING FIRST THEY REPO THE CAR WRONGFULLY LIE TO US ABOUT EVERYTHING THEY WERE GOING TO DO FOR US AND THEN WITH ANY NOTICE OR WORD JUST THROW AWAY THE CONTRACT OUT OF THE SYSTEM
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see Additional information, as requested by XXXX  & Transunion in attachments for further details. 

As it appears on my recent Credit report. By Transunion & XXXX    XXXX is being reported inaccurately and is in violation. Please see attachment for further details. 


The company is currently reporting a balance of {$1500.00} this information is inaccurate. Delete this account immediately. 

In the attachment you will see a billing statement sent to me by XXXX for validation of debt. On the billing statement there is an address : XXXX XXXX XXXX XXXX XXXX New York, XXXX of which is not consistent with my mailing address of which I've lived at for over 15 years. There is no record of this address on any of my consumer reports or address history. As a result the information being reported is inaccurate and a violation. Remove XXXX from my TransUnion and XXXX  effective immediately.
Product: Mortgage

We have made several attempts to settle this matter and we have sent information requesting documents that prove that our position is correct, but they will not release those documents because they are very telling. So this has led us to file again the questions that were not addressed in their reply to you initially. They have already admitted that they do not have the original note and mortgage, but this was key to them getting a judgement against us. where is the fairness in that. The additional questions are being asked to ascertain the position that they have accepted or offer by singing the registered mail sent months ago, and it should be honored. and the sale stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to respond to my request for debt validation within thirty day as required by FCRA. This issue was never addressed by XXXX   as evidenced by their responses saved on the CFPB site. Despite this fact, XXXX  fraudulently claims the complaint is a duplicate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my report and noticed fraudulent accounts on my report. Please remove these accounts, they are negatively affecting the ability for me to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX last year my balance was updated on my credit report to XXXX dollars by SEQUIUM ASSET SOLUTION. They reported the same amount again to the credit bureau this month. The negative collection dropped my points down by XXXX points. Why are they reporting this same collection multiple times on my credit report? XXXX shouldn't allow this to happen either. Just doesn't make any sense.
Product: Credit card

We have a Chase Amazon.com Rewards Credit card. I had a declined transaction today. I phoned Chase customer service, eventually speaking with a supervisor XXXX XXXX. I made a payment through our bank 's Bill Pay on XXXX/XXXX/2015. I balanced our checkbook today, their {$300.00} payment cleared our bank on XXXX/XXXX/2015. The due date was XXXX XXXX, 2015. Please note that we made a {$4000.00} payment in on XXXX XXXX, 2015, so it was n't a late payment leftover from XXXX. 

I questioned if there was a " grace period ''. XXXX XXXX stated that the grace period is already built in. I have never had an issue with a credit card where when the payment was 4 days late, having made a {$4000.00} payment the month prior, the card is unusable as of the due date printed on the statement which was XXXX XXXX, 2015. 

Is it legal that the moment a credit card payment is late, they decline any transaction until the payment shows up ( which, according to my bank, this payment for XXXX has already cleared Chase 's bank )? 

Thanks in advance for your help with this matter. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Product: Credit reporting or other personal consumer reports

I fervently urge you to swiftly eliminate the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agreed upon settlement for account number XXXX and XXXX. Balance should reflect as XXXX  and paid in full on both accounts. Agency agreed to remove accounts from all credit bureaus they report to.
Product: Mortgage

2nd installment of taxes were due XX/XX/19. Escrow payments were collected in the full amount with surplus. I called in to verify and sent a letter of past due payments. XXXX my account shows the money was withdrawn. Taxes are still not paid and are now incurring penalties and fees. I have asked for a proof of the check that was issued along with proof of penalties and fee payments. XX/XX/XXXX and still no progress. 

No supervisor has ever called me back, I have called over 20 times now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within XXXX days, gives a reason to immediately remove those items from my credit report. It has been over XXXX days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the equifax and XXXX XXXX XXXXXXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the XXXX XXXX XXXX and XXXX XXXX XXXX  due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another XXXX days to hope a response/update will come.
Product: Debt collection

On XX/XX/2019, Alliance Collection Service Owner of ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX, called someone OTHER THAN the actual person who owed the debt.
Product: Credit card or prepaid card

In XXXX Wells Fargo was contacted to file a claim for a credit card benefit on an account that turned out to established under mis-information provided by the bank. 

The claim was rejected as a result of having a debit card issued by the bank as opposed to the the requested credit card. Although I requested a credit card, the Wells Fargo banker insisted I take a debit card and indicated that all the benefits on the credit card were applicable to the debit card. Upon making a first claim seven years later the claim was declined as the benefit was only applicable to the credit card. 

A follow up was send to the CFPB under case number # XXXX. 

The case was purportedly investigated, denied and closed by the bank and they informed me in writing that the results of their investigation could not be shared. 

So far the Wells Fargo has transferred me to about a dozen individuals and different divisions in the Executive Office call center. All that has been offered is the opportunity to ( now ) apply for a credit card and nothing regarding the card benefit to provide mobile phone repairs. I am seeking the {$270.00} for repair of the phone I was also informed in the past two weeks that the Visa logo on the debit card does not have any significance other than branding. I found this to be mis-leading and supports my contention that the Wells Fargo employee did not understand the features of the card that was not requested yet ordered. 

It is now being requested that the CFPB review the complaint process used by Wells Fargo as it could amount to stonewalling by virtue of investigative results that will not be shared and the use of a Visa logo. The net result is to receive the benefits as informed by a Wells Fargo and payment of {$270.00} to repair a phone where the monthly cell provider has billed the credit/debit card for over seven years, a requirement of the benefit. 

Thank you
Product: Mortgage

ON XXXX XXXX 2016 I STARTED A REFINANCE APP WITH MY MORTGAGE CO. CHASE I HAVE BEEN STRUNG ALONG WAS APPROVED AND INTO CLOSING STILL NOTHING I WAS TAKEN OFF THIER WEBSITE NO RESPONSE FROM ANYONE
Product: Credit reporting or other personal consumer reports

I received notice of an unauthorized inquiry on my consumer report. I contacted Equifax 7 times today and everyone gave me the run around or hung up in my face. They REFUSED to remove this unauthorized inquiry off my consumer report. I have filed a FTC report regarding this situation.
Product: Credit card

Hi, I want to dispute the Credit check. 
I recently opened a new XXXX account. I never applied for credit or filled out any application with my SSN. Ofcourse, I did accept the terms and conditions to open the XXXX account. When I created the account, XXXX forced me to link my bank account to XXXX. I tried to check if I can delete the XXXX credit that I noticed on my XXXX account. But there were no options. I did not suspect that a credit check was run by XXXX because I did not key in my full SSN anywhere, did not fill out an application for line of credit and did not accept anything that prompted my permission to run a credit check. I had been very careful not to apply for any credit to retain good credit. 
Please can you help me to get this credit inquiry removed from my credit account. 

PS - I was asked to select company 's name but XXXX 's name was not in the list. So i selected some random company name in order to submit my complaint. The name of the company this complaint is against is XXXX. 

Thanks, XXXX
Product: Credit card or prepaid card

This is a rebuttal One I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my number but my voice isnt me on capital one recordings And XXXX I dont eat XXXX XXXX on XXXX XXXX and I dont have a XXXX XXXX And I dont have a steady income XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for a capital one card or receive the card at my address XXXX XXXX XXXX XXXX XXXX XXXX And I will seek legal actions on capitol one credit card I didnt apply for a quicksilver XXXXXXXX XXXX XXXX Or had any other capital one cards in my life Im requesting a cease and desist I dont want any bills or statements or any offers get send to my address or again I will take additional legal actions against capital one
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding XXXX failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$620.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.