23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the agreement to show full ownership. Despite my efforts to resolve this directly with the creditor, it remains unresolved. I request immediate investigation and removal due to inaccuracies across all 3 bureaus, as it is incorrect and does not reflect my true credit history.
Product: Mortgage

I had a mortgage with XXXX XXXX XXXX. My servicer changed to Select Portfolio Servicing Inc further referred to as SPS Inc.. When I logged into their website to make my first payment this month they charged me an additional {$15.00} to make the payment online and called it " EZ payment '' This is an additional fee I need to pay to make my mortgage payment each month. My amount due is {$1500.00} but I will have to pay {$1500.00} monthly for my mortgage. By charging the fees to pay online or over the phone, a portion of which it retains, SPS Inc is in violation of the federal Fair Debt Collection Practices Act, which prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. This amount is not authorized by my mortgage agreement and was never charged when I payed online through XXXX XXXX XXXX the originator. 

It should be criminal that this company is making me " pay to pay '', to wonder people go into foreclosure.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding an issue with my account. I believe this account has been reported incorrectly and should be investigated and removed. This misinformation is adversely affecting my credit score. The details of my complaint are as follows : XXXX XXXX XXXX Balance Owed : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Creditor Remarks state that the card was lost or stolen. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This company, as identified by Caller ID, has been calling frequently. We answer the phone politely, yet no one speaks to us ; neither human nor automated voice, no matter what we say. After a few moments, the caller hangs up. Since they will not identify themselves, nor respond to anything we say ; will not say who they're trying to reach ( there are several adults living in this household ), nor what they want - I refuse to contact them directly, and feel that this should be reported. I am tired of the harrassment of frequent phone calls for absolutely no purpose. If not for Caller ID ( and having looked them up on the Internet ), I wouldn't even know this was a collection agency. The calls all appear from " Audit Systems '', XXXX. These are the most recent XXXX calls I've recorded information on -- XX/XX/XXXX : XXXX am, XXXX pm, XXXX pm. XX/XX/XXXX : XXXX pm, XXXX pm. XX/XX/XXXX : XXXX am, XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm, XXXX pm, XXXX pm. XXXX : XXXX pm, XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm, XXXX pm. XXXX : XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm. XXXX : XXXX am, XXXX am
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and score which have been affected by your company 's inaccurate reporting and scoring. 

I noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. 

You guys did not respect my right to privacy which is under 15 USC 1681 a number 4.

You did not exercise your grave responsibility, you were unfair, and you were partial. I have already taken the liberty and filed an attorney general 's complaint. 

You never had a permissible purpose Under 1681 b number 2. 

I never instructed you guys to furnish this report and I never consented to this report in the first place. 

What I am demanding right now is that you guys delete all these inquiries off my report right now Inquires to be deleted are just below this sentence. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX - 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

On XX/XX/23 a charge of {$130.00} was made to my Apple Card ( Goldman Sachs ) through the XXXX app for an accommodation stay at the XXXX XXXX in XXXX NY. At arrival to the property for check-in the front desk attendant indicated that their printer was broken so I could not receive a printed confirmation of check-in. I was given a room key for another hotel ( XXXX ) and upon entering the room I found it to be in deplorable condition with a non-functioning AC unit blowing out hot air while emitting a terrible smell. I went down to the front desk to request another room and the front desk attendant was combative indicating that it was a take it or leave it reservation. He would not even go up to the room to assess its condition. I immediately contacted XXXX support notifying them of the situation. They could not reach the property by phone or e-mail. I was left without a place to stay for the night and had to rely on waiting in public spaces until the next day when I found availability at another property. When XXXX finally was able to get in touch with the property to request a refund waiver it was denied as they claimed I never arrived for check-in. 

A dispute was opened with my Apple Card XXXX in which after several attempts to have it resolved they sided with the merchant with the default determination that a refund credit could not be granted due to the property claiming I did not arrive for the reservation check-in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax credit bureau in regards to a repossession account with XXXX XXXX XXXX XXXX XXXX. 

I cited - XXXX. EFFECT OF ERRORS OR OMISSIONS. 

I have older credit reports that I can provide to prove that this account has been reporting incorrectly. I have submitted them to Equifax on more than one occasion. Which lead to Equifax updating the tradelines but now with changing the original date of deficiency, causing this tradeline to remain on my credit reports for longer than it should. 

It is the responsibility of Equifax to report factual, and actual instances on my credit reports. Therefore they are in violation of my rights. 

I have attached two files from 2019. It will show what was on my credit reports and what Equifax updated it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 dispute letters to all 3 credit bureaus ( XXXX, XXXX, and TransUnion ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP. I've been violated for months and this has to stop NOW.
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning multiple unauthorized inquiries listed on my Experian credit report. These inquiries are unrelated to any account or credit applications I have initiated, and I believe they were reported in error. Their presence on my report has adversely affected my credit score and overall creditworthiness. 

I have attempted to address this matter directly with Experian but have not received adequate assistance in removing the unauthorized inquiries. Since these inquiries do not correspond to any accounts or applications I recognize, they should be promptly removed. 

I respectfully request that the Consumer Financial Protection Bureau investigate this issue to ensure that Experian complies with federal regulations and removes these inquiries from my credit report. 

XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account to Equifax, the account continues to remain although my information was shared without my permission. My privacy was violated by XXXX XXXX XXXX, this must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to my previous CFPB complaint that I submitted to the Credit Bureaus. I sent a letter on XX/XX/XXXX, requesting to the Credit Bureaus to remove the accounts, inquiries, and personal information that are UNKNOWN to me. I came across the Federal law and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints # XXXX, # XXXX, and # XXXX, I am including these fraud items once again. If it is not too much to ask, please remove the following accounts and information as soon as possible from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance- XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX Balance- XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXXXX Balance : {$68000.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX - XXXX XXXX - XXXX XXXX  - XXXX
Product: Credit card or prepaid card

I purchased some solar panels from a company called XXXX XXXX on XX/XX/17. Included in the total {$1000.00} charge was a separate line item for {$340.00} of shipping charges for the components. After the payment was made, the vendor and I agreed that, I myself would arrange and pay for the shipping and the vendor agreed to refund my {$340.00} in shipping charges. This never happened. I tried to email and call the vendor multiple times to no avail. I tried to dispute this with XXXX to no avail. So far Bank of America has also refused to credit me back the {$340.00} shipping charges even after multiple phone calls to them. I have provided much documentation to Bank of America to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed eleven ( 11 ) credit inquiries that I find to be problematic. 

The inquiries in question are as follows : XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX / XXXX Inquiry : XX/XX/XXXXXXXX XXXX / XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Please investigate these inquiries at your earliest possible convenience, Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted numerous disputes for late payments to be removed due to natural disaster ( covid ). 30 days has passed and I didnt hear anything from the company involved XXXX XXXX or any of the credit companies. Late payments were for XXXX. Disputed late payments and Ive contacted the XXXX XXXX XXXX  and still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several complaints with CFCP after having no luck getting them to correct the mistakes on my credit files. 
In response to filing the complaints, the credit reporting companies took vindictive action on my credit file. 
After the creditors reported the updated information, XXXX, and Equifax both reported the same account MULTIPLE times on my credit file making my credit file appear much worst than it is. 
Instead of being fair and honest companies, it seems the Credit reporting companies are petty and corrupt. 
Included is a copy of said closed accounts on my Equifax report. The information is similar to the same on my XXXX file. 
The report detail I include truncates so you can not see the account numbers but the are the same, over and over. 
Doesn't same fair to have the same charged off ( paid in full ) reported multiple times, with both varying correct and bogus infomation.