23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries. I have asked XXXX and Experian to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if the high balance, last verified dates, dates of last activity, date reported, date opened, balance owed, creditor type, last payment, term length, account type, payment frequency, payment status, account status, XXXX-year history, payment status, and days late- 7 year history are not accurate. This is grounds for removal and they also violated my rights under 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

i was told citi bank that they froze my card b/c the credit bureaus too them too btw XXXX limit just paid XXXX to sears my balance is XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I paid {$800.00} down payment on a service, using the XXXX app via my USBank checking account. The service was not done. I contacted the bank to file a claim and was told that because i used XXXX. there is no way the bank can submit a fraud claim. I was also informed that a notation while using XXXX stated that if i didnt know the recipient I should not complete this transaction. I contend that there is not enough protection for consumers against fraud using this service, As the intermediary in the transaction process, i think it would be prudent of my bank to be able to claim from the receiver on my behalf. This would offer more protection and dissuade fraudsters from defrauding unsuspecting consumers
Product: Payday loan, title loan, personal loan, or advance loan

Loan express is practicing unfair debt collection practices and in violation of the Fair debt collection practice act. 
Ive been receiving multiple calls daily in regards to my loan which came due on XX/XX/XXXX. On Wednesday XX/XX/XXXX I spoke with store and informed them I will not be able to make a payment due to a hardship until XX/XX/XXXX. Store employee said they could not give me until then to make a payment to do what I can to try and borrow the money to pay. Yesterday XX/XX/XXXX I received XXXX calls and XXXX voicemails from XXXXoan express. XXXX at XXXX XXXX and the other at XXXX XXXX. It really felt they were doing this to annoy me. Because of this I wish to no longer do business with loan express in which Ive been a customer there for many years.
Product: Debt collection

I paid the account in full on XX/XX/XXXX. I have submitted documentation of the balance paid, but the account was updated as accurate and that I infact owe this money, when I DO NOT OWE ANYTHING.
Product: Debt collection

I have a debt that is reported on my credit report twice on Experian and XXXX. I have filed numerous disputes without any results. The debt is for XXXX XXXX XXXX. The reporting date is also incorrect it should be XXXX not XXXX.
Product: Credit reporting or other personal consumer reports

The XXXX, transunion and XXXX data breech has caused a case of identity theft with the accounts listed. The bureaus wrongfully put a debt on my credit report that is not authorized by XXXX XXXX . I have submitted an affidavit of truth, along with identity documents These accounts are due to identity theft. These accounts are not mine. I have uploaded and filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : XXXX XXXX  Account Number : XXXX Disputed Account : DEPT OF EDUCATION/XXXX  Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings.

XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$3700.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ).

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney John F. LeFevre, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and incorrect items on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. I demand these damaging accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My identity was stolen and my information was compromised in a security breach I have multiple other accounts on my credit report that are not accurate and opened up in my name without my knowledge when I try to get credit cards in my own Im unable to Name of Company : XXXX I first noticed this account in XX/XX/XXXX and XX/XX/XXXX Amount {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ITEMS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXO ) 6XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$180.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX F XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

My XXXX contract has been never renewed they do not have a signature on file to continue this service and as of today 's date I have on numerous attempts ask them to send the contract they said they have. They have renewed the contract themselves without a signature and continue to bill me fees for anything regarding their own upgrade or update of their alarm. Sometimes the system would work and there are days when it would not. I called them on numerous occasions to fix their system. They advised they would finally show up and that I would not be billed. Unfortunately they did bill me for up keep of their own system in charges that were more than {$500.00} in up keep they would not put batteries in their system to update nor would they update smoke detectors under a contract making the customer pay more than {$500.00} just for the smoke the detectors and glass breaker up keep. The customer is not advised after the tech leaves of the bill and is never aware of what is owe. The customer does not get an on site bill and later is in shock on money owed. When a customer calls they do not get accurate billing and it is a considerable long time in wait to get a hold of someone to handle account. I paid my bill they advised that I owed the amount of {$310.00} this amount was paid. Today I get a bill from a collection company for the same amount of {$310.00} that they deducted from my checking account. They are not advising the customer what they are doing not sending notices and billing the customers for services without the customers consent. The company is making money from the consumer by not upgrading their system and making the customer pay to do so. The company is not straight forward with the consumer about charges owed and the consumer is blinded not knowing money owed. The company renews contracts without signatures.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report please BLOCK and DELETE these fraudulent accounts fro my report.
Product: Credit reporting or other personal consumer reports

In accordance whith the fair credit reporting act XXXX  accoun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARDS INQUIERES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The financial institutions have violate my right.
Product: Debt collection

This company Sunrise Credit Service which i have NO CONTRACT with is Reporting on my credit reports fraudulently. 



* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ),  signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Debt collection

THE ACCOUNT IS INACCURATE AND I DID NOT OPEN I ATTEMPTED TO DISPUTE FROM MY CREDIT REPORT WITH ALL 3 CREDIT BUREAUS AND DEBIT COLLECTOR ITEM IS REALLY DAMAGING MY CREDIT REPORT AND MY CREDIT JOURNEY
Product: Mortgage

XXXX XXXX, 2016 CitiMortgage Consumer Financial Protection Bureau I have been working with CitiMortgage for the past seven months trying to remove PMI insurance ( {$120.00} per month ) from our home mortgage loan. I have followed all required instructions, including paying for the appraisal, using a company of their choice. The appraisal has multiple errors, and did not use fair comparables. I submitted in my Appraisal Appeal XXXX sold comparables and XXXX For Sale comparables that more fairly matched the exterior and interior features of our custom built home ; any of which would meet the LTV criteria in order to drop the PMI insurance. 
I have followed up with CitiMortgage over a dozen times to no avail. During my last conversation this week, I was told they do n't have record of my appeal! Exhausted and frustrated with their run-around, I am reaching out to a federal agency for assistance. 
Below are details of conversations : XX/XX/XXXX Requested specific details of how to request PMI to be cancelled from loan XX/XX/XXXX Submitted my request to cancel PMI XX/XX/XXXX Paid appraisal company thru XXXX {$380.00} XX/XX/XXXX Received appraisal details XX/XX/XXXX Contacted appraisal company directly. Per their representative, my dispute would need to be filed directly with CitiMortgage XX/XX/XXXX Received denial letter from CitiMortgage XX/XX/XXXX Contacted CitiMortgage requesting disputing rights appeal foam XX/XX/XXXX Called CitiMortgage ; never received dispute form. Requested email XX/XX/XXXX Per instructions, faxed completed Appraisal Appeal form ( XXXX pages ) XX/XX/XXXX Called CitiMortgage to confirm receipt of fax XX/XX/XXXX Called CitiMortgage for update on appeal request. Should receive letter in mail. 
XX/XX/XXXX Called CitiMortgage for update on appeal request. Told they will call me back XX/XX/XXXX XX/XX/XXXX Called CitiMortgage for update on appeal request. Told they will call back in 24-48 hour XX/XX/XXXX Open work order # XXXX XX/XX/XXXX Received standard letter about not qualifying for cancellation of PMI. Did not address Appraisal Appeal XX/XX/XXXX Call CitiMortgage to advise I will be filing a dispute with CFPB. Agent advised he could not find where I previously faxed my appeal. I confirmed the fax number that was used and stated on instruction letter. Agent asked that I re-fax to a new fax number.
Product: Credit reporting or other personal consumer reports

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I reached out to all the Original Creditors about my unauthorized inquiries on my credit report and they all basically said that I need to reach out to the credit bureaus and have them to send out information to where they can have the inquiries removed off of my credit report ... After talking to the original creditors, I contacted all XXXX of the Credit bureaus and explained in detail that the Original Creditors have gave permission to remove all the Hard unauthorized inquiries from credit report. 

The XXXX credit bureaus failed to remove anything off my credit report due to not having a CFPB report!!!!! 

I did also inform the XXXX Credit bureaus that the Fair Credit Reporting Act, legally these unverified and unauthorized items MUST be removed!!!!!!!!!!!!!!!!!!!!! 

( EXPERIAN ) XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX/XXXX/23 Experian decreased my credit score and can not tell me why. I called and get the run around then put on hold. I would like to know why they are changing my credit report but cant tell me why.
Product: Checking or savings account

US Bank systematically is cheating its customers by officially offering a cash bonus in exchange for fulfilling certain conditions and after the conditions are fulfilled by the customer every effort is made not to pay the bonus, particularly and specifically claiming the promotional code " can not be found ''. US Bank twice in a row used this tactics with me, refusing to pay a bonus upon opening a checking and a saving account - even so in both cases the accounts were opened through a US Bank promotional web page with the promotional codes properly entered. 
About a year ago after opening a checking account and fulfilling my conditions ( direct deposit ) I was told the checking bonus XXXX {$300.00} XXXX would not paid because promotional code " can not be found ''. 
After exchanging a number of e-mails, additional attempts were made to claim every other condition " was not fulfilled '' - even so they all were, which I systematically proved. XXXX effort was made to avoid the payment and only after repeated complaints the bonus was paid - after delaying as much as possible - well past the deadline stated. That was a year ago. 
This year, I opened a savings account with a bonus promised XXXX {$200.00} XXXX - and after fulfilling all the obligations ( maintain the balance ) received the same answer - " no promotional code '' and the bonus would not be paid. 
This bank is taking advantage of the difficult pandemic times to avoid their obligations. Every effort has been made to avoid communication - the phones get disconnected after long wait, customer service hangs up on you, refuse to identify themselves fully ( XXXX, XXXX, no last name, no ID ), do not return calls as promised. I have spoken to a number of people who identified themselves an managers, promised to " investigate '' within 3-4 business days and never did anything, Among them XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) - both promised to " investigate '' - no response whatsoever. 
I HAVE ALL THE E-MAILS FROM A YEAR AGO AND NOW to prove they use this tactics systematically and repeatedly! 
This information should be made as public as possible so people stay away from this disgusting bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number XXXX XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Mortgage

I've been trying to refinance my 1st mortgage for a few months now. I was approved on XX/XX/XXXX. SLS ( Specialized Loan Servicing ) services my 2nd mortgage so in order to refinance my 1st loan, they need to subordinate. When we requested the subordination we were told that the investor doesn't allow for subordination and that we would be able to find that wording in our original note. Well, we looked and it doesn't say that so it's now months later and we still do not have any resolution. We are told that someone will get back to us but no one ever does.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian and sent letters. Asking to delete and remove inquiries
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 : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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.