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

XXXX XXXX has made an illegal, invalid, erroneous, and unauthorized hard inquiry on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XX/XX/2018 Made with : Experian I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

In addition, the initial unauthorized inquiry was made over 2 years ago which is past the amount of time any inquiry is allowed to remain on a credit report. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

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

In accordance with the Fair Credit Reporting act XXXXXXXX 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 A 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

My credit report contains a significant number of unauthorized requests, as well as some reporting of fraudulent accounts and information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting you to please remove the following accounts and inroamtion that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section 605, and have the fraudulent accounts and inforamtion removed completely from my Credit File as soon as possible.
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 Account Number : XXXX Account Name : XXXX XXXX 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 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: Vehicle loan or lease

XX/XX/XXXX I went to XXXX XXXX XXXX dealership to purchase a vehicle. I purchased a XXXX XXXX XXXX. I slightly knew my car salesman so I was ok doing business with him. " I thought ''! I came into the dealership around XXXX XXXX and begin the actions of purchasing the XXXX SUV. The salesman sat and asked for my employment and he asked some other questions. Afterward, I passed him my driver 's license and he ran to do a credit check. He ran back excitedly about 5 min later and threw my employment information on the desk in front of me and yelled, " You're Approved! '' I was confused because I knew my credit score so I knew I would be approved I just wanted to have a good interest rate approval. That was not the case at all, my credit score is XXXX  now, and it was the same at the time of the vehicle purchase. I asked the salesman what is my interest rate? he hesitated, then finally said 9.645 % I said " WHAT! '' So I said you went with the first bank? You must try another one. Afterward, he went and grabbed his supervisor, he was being very dishonest to justify the very high-interest rate. I just couldn't believe my ears! So I asked the salesman supervisor what's going on with my interest rate? He replied your zip code and credit score decide your interest rate. FLOORED! My credit is XXXX. Be aware!
Product: Checking or savings account

I was told by Navy Federal Credit Union that I would have to wait 90 to 120 for a refund. I purchased an extended car warranty with a company names XXXX XXXX. They are no longer in business and they have filled for Bankruptcy. The bank has changed there policy from 7 to 10 days to 90 to 120 days for a refund.

According to the FDIC - The standard insurance amount is {$250000.00} per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. 

With that being stated the {$2800.00} should be refunded to be due to services not met by another company. 

I ask that NFCU follow FDIC protocol for the consumer.
Product: Credit card or prepaid card

XXXX XXXX XXXX HAS A CARD IN MY NAME THAT I DID NOT AUTHORIZE! 
Original address traced back to Ohio. I do not live there and have not lived there in over 5+ years. I have tried working this out with the credit card company. It was put into collections before I found out about it. The collection company XXXX XXXX XXXX claims they have sent me multiple letters which they never did. They threatened me with a sheriff by serving me papers but I was not home. I have been in contact with the Collection Agency ( lawyers office ). 

Collections Agency ( lawyer ) said I had to appear in court if you were accepting the papers. I AM NOT ACCEPTING PAPERS FOR SOMETHING I AM NOT RESPONSIBLE FOR.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Mortgage

I obtained a mortgage with XXXX and they sold my mortgage to Chase. Chase is a terrible mortgage service company. I paid them in XX/XX/XXXX and they did n't post my payment. Then when I tried calling them to resolve the issue they punted me to some call center in XXXX. Needless to say they did n't help me and the customer service was terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$38000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by maiL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX added {$190.00} for XXXX XXXX charges that were to be removed. Contacted XXXX XXXX, XXXX XXXX and was told this would be taken care of after speaking with 7 agents. Received statement with {$190.00} for XXXX XXXX, spoke with XXXX told me he would remove the charge. Next statement showed only {$190.00} credit was given, leaving a balance of {$7.00}. This was the {$5.00} balance and {$2.00} fee charged. I talked with 7 customer service members including supervisor on XX/XX/22. XXXX told me she took care of it. ref # XXXX. I then another statement showing a balance of {$9.00}, {$5.00} dollar balance and another {$2.00} fee charged bring the total to {$9.00} I once again tried speaking with customer service and was told I must have XXXX XXXX remove the balance and fees, then call XXXX XXXX customer service back to help with any credit issues. I was also told by XXXX cards it would be best if I went ahead and made the payment to stop the billing. 
I took all my paper work to XXXX XXXX on Saturday, XXXX to the XXXX XXXX asking for a supervisor, however XXXX XXXX XXXXid not have a supervisor available, so a XXXX XXXX supervisor came and talked with me. Her name was XXXX. After hearing and seeing all my paperwork and difficulty I've had she paid the balance off by posting {$35.00} payment to my account so it would stop the fee charges from continuing. 
However, due this error caused by the XXXX XXXX, my credit report was lowered by XXXX points, and I received a letter on XXXX from XXXX XXXX stating " Based on recent review of your account, we found it necessary to decrease the credit limit on your My XXXX XXXX Credit Card account. My limit was reduced from {$4000.00} to {$350.00} effective immediately. 
A note of interest is that the XXXX XXXX made this same problem XXXX years ago on my account. 
I have never been late on this account before. I have sent over ten hours of my time trying to get a resolution. I feel very wronged and all I heard was I'm but it's someone else 's problem. Want I want is a full report sent to credit reporting ( Experian ) to clear the wrong that has been done to me.
Product: Mortgage

XX/XX/2016, I received an escrow refund check and notice that my payment would drop by ~XXXX/month by my mortgage servicer. I was happy. On XXXX XXXX, 2016 I received notice via mail ( no email was sent ) stating that a new Escrow Analysis was conducted as a result of a negative escrow balance and that my payment would increase over {$200.00} beginning XXXX XXXX, 2016 - the same day I received the letter! As a family that plans every monthly budget, you can imagine how upset I was to learn of this change. After speaking to the representative, I learned that XXXX had failed to account for the escrow of my hazard insurance and only began escrowing for it after I called them to ask if they were going to pay my insurer ( they initially stated that I was responsible for my hazard insurance premium - but, I insisted that they had escrowed for it - we checked the closing docs and, yes, they were supposed to escrow for it ). RoundPoint totally mismanaged my escrow analysis, failed to follow the docs signed at closing and, as a result, I 'm stuck paying an additional {$200.00} a month for their failures.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I marked as inaccurate. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear, XXXX XXXX this is my 2nd attempt to you concerning a late payment that is not being reported to my credit report correctly there will not be a 3rd letter to this company regarding the late payment.Late payments are illegal according to 15 u.s.c 6802 ( b ) Opt out A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was given none of this i still have yet to receive a bill in the mail which i have asked for several times from this company despite affidavits being sent to this company gone unanswered.You are now willfully and knowingly continuing to report inaccurate information on my credit report which is a crime according to 15 u.s.c. 1681q obtaining information under false pretenses -Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

I demand that you supply the name of the person responding to this letter and also the name of the person that is responsible for furnishing the inaccurate information to my report or adjust the late payment to paid never late.Best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, 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 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I was scammed and tricked to sign up for the mobile service by an XXXX representative. They said I would get a phone and a line service for free ( $ XXXX month ). It came out that the bill is over {$30.00} and I had no need to use the service at all but the representative was telling me untrue promotion and insisted me to sign up for the XXXX service. I contacted XXXX multiple times to report to have the service removed and keep their promises for a free line of service. They asked to send back the phone. I sent back the phone but did not remove the amount that they billed me for the service that I don't have a need to use.
Product: Debt collection

I have requested over seven different times through written request, asking for validation of debt per my rights. None of the validation of debt forms have been disclosed to me such as original signature original agreement. I have sent various letters to all three credit reporting companies in addition to this company, none of which any validation of dead has been furnished from.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under metro 2 guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely,