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

I have been requesting all three credit reporting bureaus to Delete the following Names, Addresses and Employers from my credit report since XX/XX/XXXX and since then all three credit bureaus have failed to honor my requests without any form of correspondence. I am listing the Names, Addresses & Employers needing to be DELETED below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form XXXX, XXXX and XXXX. The first hard inquiry observed was from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX in XXXX XXXX, XXXX, XXXX on XX/XX/XXXX. In XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit  bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank accounts.
Product: Credit card or prepaid card

Advertised promotion for signing up for the new card included waiving the {$95.00} annual fee ( see screenshots taken at time I signed up for the card ). The fee was charged anyway. I contacted American Express on XX/XX/XXXX via phone XXXX ticket number they gave me was Ticket XXXX XXXX to request they refund the charge and was told they could submit a ticket but the person I spoke with could not refund the charge. They have not to date XXXX XX/XX/XXXX ) refunded the charge. All billing statement are attached since the time that I opened the card in XXXX, showing the annual fee charged on XX/XX/2020 ( the first charge on the card and is shown on the XX/XX/XXXX statement attached ). 

The advertisement ( see screenshot taken immediately before applying for the card ) clearly states there is a {$0.00} annual fee the first year.
Product: Credit reporting or other personal consumer reports

This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy. 

Due to the XXXX XXXX XXXX XXXX  in XX/XX/2024, which exposed sensitive personal information, including Social Security numbers, I have reason to believe these derogatory accounts may result from compromised data. This breach has significantly increased identity theft and fraudulent activity, raising serious concerns about the integrity of the reported information.
Product: Credit reporting or other personal consumer reports

I have no connection with these inquiries or the listed creditors.
Product: Debt collection

They 're saying I had gotten a phone with XXXX I got a bill for XXXX dollars back in 2013 but not thinking I never gave it attention and now they got me on a XXXX dollar bill that I never gotten or was told about just ended finding out about it on my credit report and I need to resolve this. .please thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

An auto car loan with XXXX XXXX XXXX XXXX XXXX it is not reporting to the credit bureaus for more than a year
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit report. I have contacted transunion on multiple occasions and they refuse to help even though their servers where compromised. I was informed by FTC to file here to escalate and have the following inquires removed as I have not gained anything from them except loss in score and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries where replaced on my credit in batches by XXXX illegally without my concent . I did not include factual inquiries. Please without discrimination delete these erroneous inquiries according to FTC GUIDELINES as soon as possible.
Product: Credit reporting, credit repair services, 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 : Mohela/Dofed 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 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: Debt collection

WAKEFIELD & ASSOCIATES , LLC {$1300.00} WAKEFIELD & ASSOCIATES, INC {$1800.00} Dear Wakefield & Associates I am writing to request that you provide me with validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt as mine and am requesting that you provide the following information to validate the debt : The name of the original creditor. 

The date of the original debt and amount due. 

Proof that you have the legal right to collect this debt ( such as a copy of the signed contract or other documentation ). 

A detailed accounting of how the amount was calculated, including any fees or interest. 
Proof that the statute of limitations has not expired on this debt. 

Please consider this letter a formal request to cease all collection activities until you have provided the requested information. I also request that any future communications be in writing and sent to my address above. 

Thank you for your attention to this matter. I look forward to your prompt reply. 

Sincerely, [ Your Name ]
Product: Credit reporting

XXXX has inserted false information on my Experian credit report that is false. They claim I owe for classes I never attempted. It is an old account from 2010 and I have tried numerous times to have them correct the information. Their claim is that I was signed up for the classes and thus owe them. I never attempted the classes and thus the fees are illegal. Information needs to be removed.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report XX/XX/XXXX. I saw hard inquires that did not have permissible purpose. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b 2. ( XXXX XXXX XXXX XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b 3. ( Trom/Milestone XX/XX/XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXXXXXX XXXX Collection Agency Name ] performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

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

See attached for more info. 
complaint numbers about this illegal matter ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX sent a letter to XXXX XXXX to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter that was mailed on XX/XX/scrub>XXXX  and an updated FTC identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a call from a company offering to help me with my unsecured loans. The call stated they new I had unsecured loans and could help with them. I asked where this information was obtained from, and was told Credit Karma. I contacted Credit Karma and informed them of what had transpired and asked how did this company get my information from Credit Karma. The response I received was it was probably a telemarking company or a scam. This did not answer how they received information on my unsecured loans and such. I have continued to try and resolve this with Credit Karma and have not had any response.
Product: Money transfer, virtual currency, or money service

I bought a product in XXXX from a merchant in XXXX and paid XXXX {$160.00} using PayPal on XX/XX/XXXX. I was charged USD {$130.00} at the exchange rate of 1.2754 CAD. 
The merchant did not have the item in stock and refunded me XXXX {$160.00} on XX/XX/XXXX. PayPal refunded me USD {$120.00} at the exchange rate of $ XXXX. I reviewed the currency exchange rates from XX/XX/XXXX to XX/XX/XXXX and there was no change in exchange rates like this. 

PayPal charged currency conversion fees on payment to seller and also on my refunds, resulting in me losing >4 % of the transaction. I contacted PayPal on XX/XX/XXXX but they mentioned the fees can not be refunded.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have significantly impacted my credit score and overall financial well-being, and despite my persistent efforts, they continue to remain on my credit report. The following fraudulent items have been adversely affecting my credit report : I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am prepared to take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/2020 I began receiving notifications from equifax with soft inquiries. I havent applied for any credit since XX/XX/2020 as i was going through an IRRRL Prior to XX/XX/2020 XXXX during the summer ) the same thing occurred so i reached out to them and after several calls it stopped. I subscribe to Equifaxs credit products so i know right away when there are any changes in my credit. Fast forward back to now, Ive emailed them to twice to address my concern and even advised them that if it dont stop i will notify the CFPB. Long story short Equifax is the requesting the inquiry and it comes up soft inquiry when i receive the notification. At least thats what it says when i open the alert.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX XXXX via email on XX/XX/2023 and via mail as well. The mail communication was sent on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. The communication was a dispute for the account number According to the FCRA 623 ( A ) ( # ) and ( A ) ( C ) and FDCPA 807 ( 8 ) the data furnisher has a duty to provide notice to the credit bureaus within 30 days. XXXX XXXX was required but Failed to notify the credit agencies of the dispute and therefore. I also contacted the credit reporting bureaus disputing this account and they failed to add the notice of dispute this account. Please see attached report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a hard inquiry into my XXXX credit report was gathered from XXXX. I called XXXX and was told there was nothing they could do to dispute it and I called XXXX and let them know it was not me and they directed me to this website and make a report. 

The following day on XX/XX/XXXX a hard inquiry into my XXXX credit report was gathered from XXXX  Im not familiar with this company and I did not apply for any type of credit over the last few days so all of this was a surprise to me.
Product: Debt collection

On XX/XX/2019 I wrote a check to XXXX and it was cleared through their system that the funds were available, as I was getting a {$3000.00} loan to cover the check that I was writing for {$2500.00}. I attempted to logon to their site to set up a payment plan to settle this, however it didn't work. I then e-mail saying my account was showing invalid. Today, XX/XX/2019, I was called by them, they have been calling me daily about 10 times per day, and I answered. During the conversation I was told that I had to pay the full balance in 48 hours or charges were going to be pressed and I had knowingly written a bad check, however I continually stated this was not that case and I had and could prove I had loan documentation to prove that the money was to be in the account. 

After several back and forth statements, he finally said if I do not make a payment by Tuesday XXXX then I will be reported to the local law officials. 

This is not fair and very threatening as I was not defrauding them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a debt validation letter exercising my rights as a consumer under the FCRA ( Fair Credit Reporting Act Section 809 ) and " I.C. System, INC '' has NOT complied with Federal law and regulations. " I.C. System, INC '' failed to respond to my debt validation letter section 809. This is now a federal violation of the Fair Debt Collection Practices Act which I intend to sue for Defamation, wiling financial injury, and FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. 

I've attached proof that I sent " I.C. System, INC '' a Debt Validation Letter and that they've received my letter at approximately on XX/XX/XXXX at XXXX XXXX. The Fair Debt Collection Practices Act requires companies to respond within 30 days after receiving a dispute. 

I intend to sue for the maximum amount which is {$20000.00}. I am now located in Texas, and this is the maximum amount that a person can sue for in small claims court. I've been denied housing and jobs because of this collection account so I intend to sue if this account is not removed immediately from my XXXX major credit reports. I have all the proper documents to win in small claims court without a reasonable doubt should this account not be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is incorrectly being reported on my credit reports.
Product: Mortgage

I applied for a reverse mortgage refinance with Finance of America Reverse, aka FAR, on XXXX with XXXX Mortgage. The intention was to obtain lower interest and receive money from refinancing. Important to note that I went with FAR because they already had my original 2017 reverse mortgage, which was taken over from XXXX, and I was assured by their in-house agent ( FAR ) that refinancing would take from 30 to 65 days. I was vigilant regarding the amount of time it would take to fund the refinance because I was almost completely out of personal funds due to COVID-19 and being evacuated from my home in XXXX XXXX XXXX XXXX CA due to the XXXX fire XXXX Throughout those, unfortunate situations, I provided support for my grandson who had been living with me for over 5 years. I have a timeline of every document I was asked to be provided. Received my XXXX counseling on XXXX FAR requested 2 appraisals ; the first was provided on XXXX with all necessary elements of the appraisal provided, the second appraisal was not requested until XXXX, in the middle of winter, and a great snowpack which prevented the second appraiser from taking a picture under the house. Which extended the time, I have pictures of snow and ice on XXXX which I provided to FAR and my grandson took pictures of the crawl space on XXXX when we finally got it accessible and I still had not received a call from the 2nd appraiser to come back out and in which far insisted we needed to compensate her even though it was her choice to come back. FAR challenged anything and everything they possibly could to put off funding this refinance, weeks would go by and then another request would be made, often for documentation they had already been provided with. FAR would not cooperate with my loan representatives on anything requested of them. This refinance was completed by me and my representatives in a timely and professional manner and in good faith. FAR, representation has been less than professional and should be held accountable for their lack of action and professionalism with regard to my refinance.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT XXXX XXXX  XXXX  is XXXX. The company have engaged in misrepresentation of credit card usage on which is between 0 % to 6 % for this period of XX/XX/year> to XX/XX/year>. I call on the company opensky to make full payment of {$190.00} on or before XX/XX/year> and it all went through. The company then reported today that was at 55 % utilization. After calling XXXX  back they confirm only XXXX small payment came out of the account {$13.00}, {$5.00}, and {$16.00} which is under 10 % utilization. This is misrepresents, fraud, and deceptive billing and credit reporting practices under Federal Law with an intend to desparately cause financial harm and injuries. To deter all future business personal credit request to be deny in Badfaith as a neglect. 

ATTACHMENTS
Product: Credit reporting

I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Experian continues to report the account incorrectly and needs to just remove the improperly reported account from my credit report.
Product: Debt collection

On XX/XX/2020 I spontaneously called XXXX Caine and Weiner company asking for some more information about a debit I found of {$800.00} from XXXX XXXX company . 

I talked to someone on the phone and I agreed to pay in full with the promises to receive a receipt letter and have it taken from my credit report. 

I called them and the person that I talked said it was not setup for sending this letter/receipt but he confirmed my address and made sure they would send the letter and also said they were still working on taking it from my credit report. 

The company is failing in providing the receipt even the total amount was taken from my account on XX/XX/2020.
Product: Credit reporting

I gave my notice to the property manger and moved out of a house. The room mates who stayed at the house did not pay rent and were evicted. The owner took them to court and got judgement against them but name is still attached to it - It has killed my already shaky credit. I have a letter from the attorney for the Property Manager stating to take me off of the Judgement and that was given to the superior court. Thank you XXXX