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

Account info Account name : SOCIAL SECURITY ADMIN Account number : XXXX Account type : Government Responsibility Individual Date opened : XX/XX/XXXX StatusCollection account. {$28.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance {$28000.00} Balance updated : XX/XX/XXXX Recent payment : $ 0 Monthly payment : {$0.00} Original balance : {$28000.00} Highest balance : {$0.00} Terms 1 Months On record : until XX/XX/XXXX I've already challenged these negative items with the credit bureaus, but I'm still seeing these false information on my credit report, which is negatively impacting my ability to obtain credit. I am certain that my legal rights as a consumer have been violated upon. Please help. - - SOC SEC ADMIN OFFICE O - Account # : XXXX - Previous Address : XXXX XXXX XXXX XXXX , TX XXXX | Date : XX/XX/XXXX - I've never lived here! This isn't mine. Please block and remove this information as well as the alleged date reported, ASAP! - Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX | Date : XX/XX/XXXX - I've never lived here! This isn't mine. Please block and remove this information as well as the alleged date reported, ASAP! Because the information reporting appears to be erroneous, I feel it is being reported illegally and in violation of the law. This item should be deleted from my credit report as soon as possible. 



In accordance with the Fair Credit Reporting act XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Several medical bills are on my credit still and they are from 20 years to current but I had insurance or either filed the financial affidavit. when i went to fix my credit the companies say i can not because the files are too old. I have documentation that i was under the care of XXXX  or some type of medicaid. billing did this wrongfully and i demand a remedy and recourse speedily. my credit has been in despair because of these derogotory accounts that literally should not be. I have suffered immensely and demand favor in this matter. 
XXXX XXXX Midwest service bureau for XXXX XXXX says I owe {$110.00} from XXXX This is either not me or they literally mis billed the info without checking my insurance. 
Also XXXX XXXX XXXX has caused much grief as well. they say i owe {$20.00} so i paid them but this account is from XXXX and they sent payment back to me and took me to small claims court without my knowledge, the XXXX XXXX sheriff got me pulled over at XXXX in a XXXX now i am about to go to court about this but found my records stating that they needed me in person to state the claim of the original debt from the {$20.00} to andover municipal. this is systematic terrorism at its finest.
Product: Debt collection

Choice recovery is on my credit report for medical debt that i have no idea where from. One balance is {$400.00} and one is {$570.00}. I can not pay either in full but can negotiate and pay XXXX  % of each one,  totaling {$530.00}, to settle both balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southeast Toyota Finance company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.
Product: Debt collection

This account was open for twice now. I did a dispute XX/XX/2021. They opened XX/XX/2021 for the second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged. XXXX of XXXX was contacted by DITECH the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over DITECH proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently DITECH applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX XXXX assume this debt & stated payments made to DITECH & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XXXX MORTGAGE PAYMENT HISTORY, XXXX STATEMENT
Product: Credit card

My Macy 's XXXX card was comprised at the end of XXXX with {$300.00} worth of fraudulent charges. I immediately reported the issue and was told it would be resolved within XXXX billing cycles. I was also assured that I would not be responsible for additional fees on the account that may add up until the charges were removed. While the {$300.00} charges were removed, the extra fees were not and continue to increase. Each month upon receiving a statement in the mail, I call and am told it would be {$0.00} within XXXX to XXXX billing cycles. No one has been able to assist me and make this go away. I am desperate for help because it is now XXXX ( 5 months later ) and the charges are still increasing. I have not used my Macy 's card and in fact have no interest in shopping with them.
Product: Mortgage

I asked to cancel my XXXX  as my home value is appraised and loan amount is less than XXXX XXXX of the loan amount. I reached out to chase they asked me as my account is less than XXXX XXXX in age asked me to do significant improvements, I did the add a new patio and again asked them to consider and they came back saying its not considered and now they are saying they dont provide a list of improvements they will consider and asking me not to fill the PMI cancellation form every time and they have been rejecting it every time this is the 4th time, and they refuse to provide me with list of improvements that will be considered. XXXX XXXX is my investor and as per their website for XXXX  cancellation nothing is mentioned as significant improvents are needed to cancel my XXXX, XXXX  XXXX  website only states my loan value should be XXXX XXXX or less than the appraised home value.
Product: Credit card or prepaid card

XXXX XXXX XXXX Synchrony card makes it impossible to see what your charges are for. 

If you have a huge balance on your account and want to know what the charges are for, it is impossible to get an answer. I have spent hours on chat with agents unable to provide basic details about charges. All I am seeking is an itemized receipt that lists the charge for the item as well as charges for taxes and shipping and credits for rewards dollars and returns. 

They offer you 2 options : - View Statements under Account Activity. This is just totals. No itemization. 
- Enter your order number into the main XXXX XXXX  XXXX site. Again, this only yields totals. No itemization. 

One agent mentioned that an itemized receipt could be sent within 30-60 days ( well past the payment due date ). She did not confirm that she would send this and no one else was able to offer this.
Product: Credit card

Roomate took personal id information and submitted online application to American Express ( AMEX ) for credit card. Roomate included his name as an associate account holder-but I was the primary account holder. Roomate is young and thought he was helping his cause of improving his credit rating. Roomate accrued {$8000.00} and has made monthly payments on the account. He has placed money in my checking account and submitted payment through my bank checking. I have been in contact with AMEX on numerous occasions and they always assured they would proceed with Fraud Claim upon my decision. I did not sign nor apply for this account. I believe that the issue should be between my roommate and AMEX. Not me. The young man is making the payments and I would like for the account to placed in his name not mine. If this means, AMEX needs to proceed with Fraud -- then it is their decision to proceed with the roommate. AMEX promised upon each conversation they would proceed with Fraud. I would like for AMEX to proceed with this account and the young man and stop harassing me.
Product: Credit reporting or other personal consumer reports

Upon checking my consumer credit report I noticed several UNAUTHORIZED inquiries on my credit report to which I did NOT EVER give consent to. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. & 1681i ), unverified inquiries must be REMOVED. Please investigate and remove any unverifiable inquires!

ACCORDING to The Gramm-Leach-Bliley ACT ( GLBA ) enacted in 1999, is a U.S. law that requires financial institutions to establish privacy policies and practices, including informing consumers about their information-sharing practices. 


Upon reviewing my credit report, I noticed the following hard inquiries : [ XXXX  XXXX ] - XX/XX/XXXX [ XXXX  XXXX ] - XX/XX/XXXX [ XXXX XXXX XXXX XXXX ] - XX/XX/XXXX Thank you for your attention to this matter. I look forward to your prompt response confirming the removal of these unauthorized inquiries. If you need any further information from me, please do not hesitate to contact me at the phone number or email address listed above. 

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

Equifax has knowingly furnished my inaccurate personal information, WITHOUT obtaining my wet ink written instruction to do so. This is in violation of 15 USC 1681B ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstances and not other ; in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute several unauthorized hard inquiries on my credit report with Equifax. This dispute is filed under the Fair Credit Reporting Act ( FCRA ) Sections 611, 609, and 603. I have reviewed my credit report and found numerous hard inquiries that I did not authorize and have no knowledge of. 

Details of Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Relevant Information : FTC Report Number : XXXX Identity Theft Report : Attached I am a victim of identity theft, as indicated in the attached Identity Theft Report filed with the Federal Trade Commission ( FTC ). According to FCRA Section 611, I have the right to dispute information in my credit report that I believe is inaccurate or incomplete. Section 609 grants me the right to request all information in my file, including the sources of the information. Section 603 defines the permissible purposes for which a consumer reporting agency may furnish a consumer report. 

These inquiries have had a significant negative impact on my credit score and overall financial health. As a result, I demand that Equifax immediately remove these unauthorized hard inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I seen my credit was down over XXXX points to see random places running my credit for loans I never requested.
Product: Debt collection

I am unaware of this alleged debt that was placed on my XXXX AND XXXX consumer report ( See HELVEY ASSOC_Exhibit A ) and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See Exhibit B ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See Exhibit C ) If you, HELVEY ASSOC believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. I want this alleged debt removed from all my consumer reports effective Immediately.

This is really disheartening to know that HELVEY ASSOC can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See Exhibit D ) I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. ( See Exhibit E ) To validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. HELVEY ASSOC license and documentation proving your authority to collect this debt from me. 

Additionally, I request my written consent for HELVEY ASSOC to have my NPI ( Nonpublic Personal Information ) social security number, date of birth, address, and the contract that I agreed to publish the alleged debt to HELVEY ASSOC. Please be advised that this request is not an admission on my part, but rather a request for validation of the alleged debt. Upon receipt of the requested information and verification of its accuracy, I will then be in a position to discuss resolution. Please provide the requested documentation within the timeframe specified by the FDCPA. No validation of the alleged debt may result in taking further action to protect my rights. 

Thank you. 
XXXX XXXX XXXX
Product: Debt collection

I was informed by XXXX and XXXX on XX/XX/XXXX of a change to my credit file and because I have an account with them I logged in and was made aware that I have an outstanding debt with XXXX XXXX in the amount of {$1800.00}. This account was opened in XXXX of XXXX. I have never had XXXX XXXX and contacted the debt collection company that this debt is owned by, XXXX XXXX XXXX yesterday XX/XX/XXXX to let them know this account is not mine and that it is fraud, and that I would like it immediately removed from my credit report. They informed me I would receive a fraud package in the mail in 2-3 weeks and that I would need to contact the credit reporting agency to let them know it is fraudulent because they do not deal with this type of thing. I have since tried to dispute this account on my credit report 2 times and XXXX  continues to claim this debt is mine, when it is not. This account previously showed up on my credit report with another collection agency named XXXX XXXX XXXX in XXXX of XXXX and I disputed it because it was not my account and it was removed from my credit report. I am not sure why this keeps popping back up on my credit report, but it is not mine. I have also disputed this with XXXX, but have yet to hear back. Please resolve this issue because it is negatively impacting my credit score and should NOT be on my report.
Product: Debt collection

On XXXX XXXX 2021 I formally sent an Affidavit of truth outlining every violation American Express has done towards me. This was notarized and sent via certified mail and I have attached the receipt. I received a generic response from an unknown person from American Express. Attached is my original Affidavit of truth. I explicitly told them to cease and desist phone calls in my affidavit and they did NOT respect that at all, calling me all times of the day and while at work. I would ask if they have seen my affidavit and they would answer no and attempt to collect a debt. Now on XXXX2021, I was served in person for a lawsuit that has been filed since XXXX!! They expect me to take off work to go to a court house for an issue I've been trying to address since XXXX! At this point I, XXXX XXXX, am the original creditor, only creditor, and natural person, pursuant to 15 USC 1692 A. I am being harassed and extorted from a private company/ agent, American Express XXXX XXXX represented by XXXX XXXX XXXX XXXX for an alleged debt I have no awareness of. Once again, I am asking to provide me with proof of a contract that shows that I owe American Express a debt. Not billing statements or credit applications of me extending credit to American Express, but an actual contract. If you are unable to show proof, cease and desist, and delete any alleged account of debt that you are trying to collect from me. Your actions are in direct violation of the 1974 Privacy Act and 15 USC 1692E ( 3 ), 15 USC 1692E ( 4 ), and 15 USC 1692E ( 5 ). Your policies, agreements and allegiance are also in extreme violation of the XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX XXXXXXXX. I, XXXX XXXX, hope we can solve this matter in civilized and timely fashion. Kind Regards.
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. 

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

XXXX has been illegally reporting XXXX bankruptcies on my credit report. When disputing, the response is, " verified, remains ''. When I've asked who XXXX spoke with at the XXXX XXXX XXXX Michigan ( XXXX XXXX ), they have stated they got the information from XXXX XXXX. 

I do not have an account with XXXX XXXX and I am not sure how they have access to my SSN. I requested an XXXX XXXX as of XX/XX/2023 and XXXX XXXX states it will suppress any public records to third parties. 

XXXX XXXX and XXXX have mislead the info seekers resulting in high interest rates and turn downs on home loans, credit cards, and a loan from XXXX Bank XXXX XXXX which helps minority businesses with their small business loans. Additionally, the XXXX also refused lending to me because of these XXXX bankruptcies illegally reported on my credit report.
Product: Mortgage

I was seeking to refinance an existing long term loan following many offers to do so from the company, Mr. Cooper. I had problems with an inadequate appraiser but then it was redone correctly. I was approved easily and loan moved forward then it went to a nameless, faceless underwriter. I sent in more and more paperwork, much of it repeating that sent originally. At every step I had to call on progress as I was not informed as time passed. Finally the underwriter determined that I did not live in the house I live in. He based this on one paycheck going to my rental property. I produced the lease on the rental property. I complained and was told by two persons it could be corrected and it was not. Finally I was told there was nothing could be done. 

The persons involved are XXXX XXXX, XXXX XXXX and XXXX XXXX. I complained politely and worked unceasingly to resolve this matter to no avail over 3 months.. 

Again this is a refi of an existing loan with same company.Now I ahve to start all over with another firm to get away from this company.
Product: Student loan

In XX/XX/XXXXI took out a student private loan ( XXXX XXXX ) to get thru the struggles of financing school and being on my own. Although I do understand the amount and responsibility I had to repay the loan, the banks had made IMPOSSIBLE to pay back. I make every monthly payment, never late. Once I Finish paying the interest and start on the principal the Banks sell my loan to another company and now I am tied to another interest where I now have to pay another bank ( AMERICAN EDUCATION SERVICES ), I started paying them in XX/XX/XXXX and now that they have collected their interest, They now have sold my loan to ANOTHER BANK ( XXXX  ) and NOW I OWE THEM INTEREST!!! WITHOUT EVER paying the PRINCIPAL!!! I Am ANGRY THAT THE SYSTEM IS a FAILED BANKING LOAN SYSTEM, they should REALLY be CALLED the FRAUDULENT and PYRAMID SYSTEM. I have now PAID DOUBLE WHAT I BORROWED AND HAVE YET TO PAY DOWN THE PRINCIPAL!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to all 3 credit bureaus, XXXX, Experian and XXXX about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. XXXX XXXX claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. XXXX & Experian have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX credit card & XXXX Visa Credit card.
Product: Checking or savings account

Received multiple direct mail packages in XXXX for a Citi XXXX Savings Account. Opened account on XXXX with a deposit of {$10000.00}. 

Offer terms were to hold the deposit for at least XXXX to receive XXXX XXXX bonus miles. It is now XX/XX/XXXX and bonus miles have not been received. I have contacted Citibank no less than XXXX times about this offer fulfillment, via both chat and phone. I have been given the run around- told to call when Im chatting. Told the offer willl be fulfilled on x date. Told to fax in the offer. Told to send in a hard copy. I am angry and frustrated as I have spent at least three hours on the phone this evening trying to resolve. 

I was disconnected twice. Waited over 40 minutes to speak with a supervisor. Told that I would be out on hold for 10-15 minutes. Spoken over time after time. Told that I couldnt submit photos of the offer via email. Fax only? Really- in XXXX for one of the biggest banks in the US ? Then told I had to mail in a hard copy? So then I no longer have physical evidence of the offer? 

Why should the onus be on the consumer to prove that I have an offer? I completed every step as outlined- from going to the URL on the direct mail package to depositing funds to holding them. 

I am moving my money now and hope that the CFPB can help. 

Having just worked on solving an OCC consent order at XXXX, I can not believe that Citibank can stay in business with offers like this one that they are not fulfilling. Ive also worked at XXXX XXXX in XXXX and have experience with the CFPB there. Please intervene here on behalf of the consumer. Thank you.